Home Loan Financial Corporation (HLFN)
OTHER OTC:HLFN
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Home Loan Financial
(OTC:HLFN)
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Rating:73Outperform
Price Target:
$51.00
▲(37.95% Upside)
Action:Reiterated
Date:05/02/26
The score is driven primarily by solid underlying financial performance (strong margins, improving leverage, and robust ROE) and very attractive valuation (low P/E and high dividend yield). Technicals are supportive due to the uptrend, but the extremely overbought RSI/Stoch readings reduce the overall score due to near-term pullback risk.
Positive Factors
High gross and net margins
Sustained gross margins above 70% and mid-to-high twenties net margins indicate durable cost advantage and pricing power in core lending operations. This margin profile supports long-term profitability, resilience to moderate rate cycles, and capacity to fund dividends and reinvestment.
Negative Factors
Volatile revenue and free cash flow growth
Irregular revenue and FCF growth impair predictability for capital allocation and planning. Over several quarters this volatility can stress dividend coverage, slow strategic initiatives, and raise the cost of capital as stakeholders demand larger buffers for uncertainty.
Read all positive and negative factors
Positive Factors
Negative Factors
High gross and net margins
Sustained gross margins above 70% and mid-to-high twenties net margins indicate durable cost advantage and pricing power in core lending operations. This margin profile supports long-term profitability, resilience to moderate rate cycles, and capacity to fund dividends and reinvestment.
Read all positive factors
Home Loan Financial (HLFN) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$60.36M
Dividend Yield5.77%
Average Volume (3M)276.00
Price to Earnings (P/E)6.7
Beta (1Y)0.17
Revenue Growth11.73%
EPS Growth21.68%
CountryUS
Employees45
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)5.14
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 Cap1.29
Enterprise Value/Revenue3.09
Enterprise Value/Gross Profit4.41
Enterprise Value/Ebitda8.66
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
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...
How the Company Makes Money
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Home Loan Financial Financial Statement Overview
Summary
Income Statement
75
Positive
Balance Sheet
70
Positive
Cash Flow
65
Positive
| 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
Positive
36.97
Price Trends
41.20
Positive
39.03
Positive
35.94
Positive
Market Momentum
0.10
Negative
61.25
Neutral
90.67
Negative
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 41.30, below the 50-day MA of 41.20, and above the 200-day MA of 35.94, indicating a bullish trend. The MACD of 0.10 indicates Negative momentum. The RSI at 61.25 is Neutral, neither overbought nor oversold. The STOCH value of 90.67 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for HLFN.
Home Loan Financial Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
80 Outperform | $60.72M | 8.86 | 9.28% | 3.21% | 5.66% | 79.41% | |
77 Outperform | $67.60M | 3.27 | 14.63% | ― | 15.64% | 5.72% | |
73 Outperform | $60.36M | 6.68 | 17.55% | 5.77% | 11.73% | 21.68% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | $65.65M | 8.54 | 4.93% | 3.87% | 4.99% | 50.85% | |
64 Neutral | $48.04M | 15.11 | 5.34% | 1.10% | 3.83% | 59.54% |
* Financial Sector Average
HLFN
Home Loan Financial
43.00
12.38
40.44%
ASRV
Ameriserv Financial
3.87
1.43
58.74%
HFBL
Home Federal Bancorp Of Louisiana
19.75
6.77
52.17%
OPHC
Optimumbank Holdings
5.51
0.87
18.75%
TCBS
Texas Community
16.65
1.12
7.20%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.