Home Loan Financial (HLFN) AI Stock Analysis

• Market Cap: $57.91M
• Dividend Yield: 5.77%
• Average Volume (3M): 276.00
• Price to Earnings (P/E): 5.7
• Beta (1Y): 0.19
• 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: 7.78
• 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 margins

Consistently very high gross and strong net margins indicate durable pricing power and efficient cost structure. Over a multi-month horizon this supports resilient profitability, higher return on invested capital and the ability to absorb cyclic revenue fluctuations without large margin erosion.

Improving leverage

A materially lower debt-to-equity and sustained ROE above 12% reflect improving capital structure and effective use of equity. This durable improvement reduces financial risk, expands strategic flexibility for lending or investment, and strengthens balance sheet resilience over months.

Strong cash conversion

Consistent positive operating cash flow and a FCF-to-net-income ratio near 1 show the company converts earnings into cash efficiently. This sustained cash generation supports dividends, deleveraging or selective reinvestment and underpins financial stability over the medium term.

Negative Factors

Inconsistent revenue

Intermittent top-line growth reduces predictability for planning and capital allocation. Over a 2-6 month horizon this can constrain sustainable investment in growth initiatives, increase sensitivity to single-quarter shocks, and make earnings and cash trends harder to rely on.

Volatile free cash flow

Meaningful year-to-year swings in free cash flow undermine the stability of internally funded dividends, capex and debt repayment plans. Persistent volatility elevates refinancing and liquidity risk and forces greater reliance on balance sheet buffers during weaker periods.

Limited balance sheet detail

Absent disclosure of the equity ratio constrains assessment of capital adequacy and asset financing mix. For medium-term risk analysis this opacity hampers evaluation of solvency under stress and reduces confidence in conclusions about long-term balance sheet strength.

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 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.

How the Company Makes Money

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Home Loan Financial Financial Statement Overview

Summary

Home Loan Financial demonstrates solid profitability and leverage management, with strong margins and improving debt ratios. However, revenue and cash flow growth have been inconsistent, which could impact future financial stability.

Income Statement

Home Loan Financial shows a strong gross profit margin consistently above 70%, indicating efficient cost management. The net profit margin has been stable around 28-36%, reflecting solid profitability. However, revenue growth has been inconsistent, with fluctuations over the years, which could indicate market challenges or operational inefficiencies. The EBIT and EBITDA margins are healthy, supporting the company's operational strength.

Balance Sheet

The company maintains a moderate debt-to-equity ratio, which has improved from over 1.0 to 0.68, suggesting better leverage management. Return on equity is robust, consistently above 12%, indicating effective use of equity capital. However, the equity ratio is not explicitly provided, which limits a full assessment of asset financing stability.

Cash Flow

Operating cash flow has been positive, with a strong free cash flow to net income ratio close to 1, indicating efficient cash generation. However, free cash flow growth has been volatile, with significant fluctuations year-over-year, which could pose risks to cash flow stability. The operating cash flow to net income ratio is relatively low, suggesting potential room for improvement in cash flow efficiency.

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: Positive
• 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 Positive. The current price of 36.97 is below the 20-day moving average (MA) of 41.31, below the 50-day MA of 40.26, and above the 200-day MA of 34.81, indicating a neutral trend. The MACD of 0.28 indicates Positive momentum. The RSI at 58.96 is Neutral, neither overbought nor oversold. The STOCH value of 39.59 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive 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	$54.54M	8.12	9.28%	3.21%	0.32%	37.93%
OPHC	78 Outperform	$65.94M	3.00	14.54%	―	14.91%	0.81%
HLFN	77 Outperform	$57.91M	5.74	17.55%	5.77%	―	―
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
ASRV	66 Neutral	$61.46M	9.14	4.97%	3.87%	6.89%	―
TCBS	55 Neutral	$47.69M	16.46	4.74%	1.10%	12.12%	―