Home Loan Financial (HLFN) AI Stock Analysis

• Market Cap: $57.96M
• Dividend Yield: 5.77%
• Average Volume (3M): 276.00
• Price to Earnings (P/E): 5.7
• Beta (1Y): 0.18
• Revenue Growth: N/A
• EPS Growth: N/A
• Country: US
• Employees: 45
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 1.52
• Shares Outstanding: 1,403,668
• 10 Day Avg. Volume: 382
• 30 Day Avg. Volume: 276
• PEG Ratio: 0.20
• Price to Book (P/B): 1.05
• Price to Sales (P/S): 1.83
• P/FCF Ratio: 5.43
• Enterprise Value/Market Cap: 1.21
• Enterprise Value/Revenue: 2.78
• Enterprise Value/Gross Profit: 3.97
• Enterprise Value/Ebitda: 7.79
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 77 Outperform
• Price Target: $47.00 ▲(27.13% Upside)
• Action: Reiterated Date: 12/11/25
• Date: Action: Reiterated 12/11/25

Home Loan Financial's strong technical indicators and attractive valuation are the primary drivers of its high score. The company's solid financial performance supports its stability, though inconsistent revenue and cash flow growth present potential risks. The absence of recent earnings call data or notable corporate events did not impact the score.

Positive Factors

High and Stable Margins

Sustained high gross and net margins indicate durable cost advantages and strong pricing power in core lending operations, supporting consistent earnings conversion. Margin resilience underpins long-term cash flow generation and returns even if revenue growth moderates.

Negative Factors

Inconsistent Revenue Growth

Fluctuating top-line growth weakens predictability of earnings and makes budgeting, loan portfolio expansion and strategic planning harder. Over time this can constrain scale economies, limit reinvestment, and increase reliance on episodic gains rather than steady expansion.

Home Loan Financial Business Overview & Revenue Model

Company Description

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 pr...

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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 pr...

How the Company Makes Money

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Home Loan Financial Financial Statement Overview

Breakdown	Jun 2024	Jun 2023	Jun 2022	Jun 2021	Jun 2020
Income Statement
Total Revenue	25.12M	20.73M	15.83M	12.47M	12.66M
Gross Profit	17.60M	15.07M	13.62M	11.47M	11.17M
EBITDA	8.97M	7.24M	6.71M	5.23M	4.87M
Net Income	7.22M	5.48M	5.17M	4.16M	3.84M
Balance Sheet
Total Assets	361.17M	330.61M	291.17M	254.57M	252.63M
Cash, Cash Equivalents and Short-Term Investments	9.66M	9.23M	8.26M	8.21M	35.87M
Total Debt	30.00M	42.80M	32.04M	4.25M	4.76M
Total Liabilities	317.44M	291.67M	255.47M	221.47M	220.52M
Stockholders Equity	43.73M	38.94M	35.70M	33.10M	32.11M
Cash Flow
Free Cash Flow	8.49M	6.32M	5.88M	4.05M	1.57M
Operating Cash Flow	8.53M	6.67M	6.12M	5.04M	1.64M
Investing Cash Flow	-31.76M	-40.06M	-37.23M	-30.96M	-6.79M
Financing Cash Flow	22.65M	32.37M	30.43M	-2.74M	5.38M

Home Loan Financial Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 36.97
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HLFN, the sentiment is Neutral. The current price of 36.97 is below the 20-day moving average (MA) of 41.25, below the 50-day MA of 41.17, and above the 200-day MA of 35.60, indicating a neutral trend. The MACD of 0.08 indicates Positive momentum. The RSI at 51.28 is Neutral, neither overbought nor oversold. The STOCH value of 42.34 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for HLFN.

Home Loan Financial Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
HFBL	78 Outperform	$55.99M	8.12	9.28%	3.21%	0.32%	37.93%
OPHC	78 Outperform	$64.36M	3.00	14.54%	―	14.91%	0.81%
HLFN	77 Outperform	$57.96M	5.74	17.55%	5.77%	―	―
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
ASRV	64 Neutral	$62.60M	9.39	4.93%	3.87%	6.89%	―
TCBS	64 Neutral	$50.14M	17.24	5.34%	1.10%	12.12%	―