Home Loan Financial Corporation (HLFN)

OTHER OTC:HLFN

HLFN

Home Loan Financial

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Home Loan Financial (HLFN) Price & Analysis

31 Followers

HLFN Stock Chart & Stats

$36.97

$0.00(0.00%)

At close: Jan 07 4:00 PM EST

$36.97

$0.00(0.00%)

Day’s Range― - ―

52-Week Range$31.10 - $43.81

Previous CloseN/A

Volume1.38K

Average Volume (3M)276.00

Market Cap

$57.96M

Enterprise Value$69.96M

Total Cash (Recent Filing)$9.66M

Total Debt (Recent Filing)$30.00M

Price to Earnings (P/E)5.7

Beta0.18

Next Earnings

Oct 21, 2026

EPS EstimateN/A

Next Dividend Ex-DateN/A

Dividend Yield5.77%

Share Statistics

EPS (TTM)1.52

Shares Outstanding1,403,668

10 Day Avg. Volume382

30 Day Avg. Volume276

Financial Highlights & Ratios

PEG Ratio0.20

Price to Book (P/B)1.05

Price to Sales (P/S)1.83

P/FCF Ratio5.43

Enterprise Value/Market Cap1.21

Enterprise Value/Revenue2.78

Enterprise Value/Gross Profit3.97

Enterprise Value/Ebitda7.80

Forecast

1Y Price TargetN/A

Price Target UpsideN/A

Rating ConsensusN/A

Number of Analyst Covering0

EPS Forecast (FY)N/A

Revenue Forecast (FY)N/A

Bulls Say, Bears Say

Bulls Say

High Profit MarginsSustained gross margins above 70% and net margins in the high-20s to mid-30s reflect durable cost efficiency and pricing power in Home Loan Financial's core lending operations. High margins support internal funding for dividends, reserves and reinvestment, providing a cushion against cyclical pressure and enabling steady profitability over the medium term.

Improving Leverage And Strong ROEA meaningful reduction in debt-to-equity to 0.68 and consistently >12% ROE indicates improving capital structure and efficient use of equity. Lower leverage reduces refinancing and interest risk, increasing financial flexibility to invest, pay down debt or sustain distributions, which strengthens resilience across multiple quarters.

Solid Cash ConversionPositive operating cash flow and a free cash flow to net income ratio near 1 demonstrate effective cash conversion from earnings. Reliable cash generation supports debt servicing, operational needs and potential shareholder returns, reducing reliance on external financing and improving sustainability of capital allocation over time.

Bears Say

Inconsistent Revenue GrowthAlthough reported revenue growth can be positive in any period, the company’s historical inconsistency in top-line growth signals demand variability or execution issues. Persistent revenue volatility complicates multi-quarter planning, weakens predictability of margins and cash flows, and can limit confidence in sustained expansion strategies.

Volatile Free Cash FlowYear-over-year swings in free cash flow create structural uncertainty for capital allocation. Volatility can force reliance on short-term financing, constrain dividend consistency, and limit organic investment during downturns. Over multiple quarters, this unpredictability hampers strategic planning and increases financial risk.

Limited Scale And LiquidityA small workforce and low average trading volume point to limited operational scale and market liquidity. Reduced scale can limit product breadth and geographic reach, while low liquidity raises fundraising costs and deters institutional participation, constraining growth initiatives and making strategic execution more difficult over the medium term.

HLFN FAQ

What was Home Loan Financial Corporation’s price range in the past 12 months?

Home Loan Financial Corporation lowest stock price was $31.10 and its highest was $43.81 in the past 12 months.

What is Home Loan Financial Corporation’s market cap?

Home Loan Financial Corporation’s market cap is $57.96M.

When is Home Loan Financial Corporation’s upcoming earnings report date?

Home Loan Financial Corporation’s upcoming earnings report date is Oct 21, 2026 which is in 203 days.

How were Home Loan Financial Corporation’s earnings last quarter?

Home Loan Financial Corporation released its earnings results on Jan 21, 2026. The company reported $1.518 earnings per share for the quarter, beating the consensus estimate of N/A by $1.518.

Is Home Loan Financial Corporation overvalued?

According to Wall Street analysts Home Loan Financial Corporation’s price is currently Overvalued. Get more investment ideas with TipRanks Premium

Does Home Loan Financial Corporation pay dividends?

Home Loan Financial Corporation pays a Quarterly dividend of $0.275 which represents an annual dividend yield of 5.77%. See more information on Home Loan Financial Corporation dividends here

What is Home Loan Financial Corporation’s EPS estimate?

Home Loan Financial Corporation’s EPS estimate for its next earnings report is not yet available.

How many shares outstanding does Home Loan Financial Corporation have?

Home Loan Financial Corporation has 1,403,668 shares outstanding.

What happened to Home Loan Financial Corporation’s price movement after its last earnings report?

Home Loan Financial Corporation reported an EPS of $1.518 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went same 0%.

Which hedge fund is a major shareholder of Home Loan Financial Corporation?

Currently, no hedge funds are holding shares in HLFN

What is the TipRanks Smart Score and how is it calculated?

Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology

Home Loan Financial Stock Smart Score

Neutral

Technicals

Fundamentals

Return on Equity

17.55%

Trailing 12-Months

Asset Growth

9.22%

Trailing 12-Months

Top Smart Score Stocks >

Company Description

Home Loan Financial Corporation

Home Loan Financial Corporation, a unitary thrift holding company, provides various banking products and services in the United States. The company's primary deposit products include checking, savings, and term certificate accounts; and lending products comprise residential mortgage, nonresidential mortgage, residential construction and land, commercial, and consumer loans. It also provides consumer credits, such as home improvement loans, education loans, loans secured by savings accounts, motor vehicle loans, unsecured loans, and credit cards. In addition, the company sells life insurance, annuity, long-term care insurance, and investment products. It provides financial services through its main office in Coshocton, Ohio; and branch offices in Coshocton, Mount Vernon, and West Lafayette, Ohio. The company was incorporated in 1997 and is based in Coshocton, Ohio.