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Home Loan Financial (HLFN) Price & Analysis

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HLFN Stock Chart & Stats

$44.00

-$0.43(-0.99%)

At close: Jul 15 4:00 PM EDT

$44.00

-$0.43(-0.99%)

Day’s Range― - ―

52-Week Range$33.00 - $46.00

Previous CloseN/A

Volume285.00

Average Volume (3M)276.00

Market Cap

$63.02M

Enterprise Value$79.59M

Total Cash (Recent Filing)$4.71M

Total Debt (Recent Filing)$16.50M

Price to Earnings (P/E)7.1

Beta0.18

Next Earnings

Oct 21, 2026

EPS EstimateN/A

Next Dividend Ex-DateN/A

Dividend Yield4.94%

Share Statistics

EPS (TTM)4.71

Shares Outstanding1,403,668

10 Day Avg. Volume382

30 Day Avg. Volume276

Financial Highlights & Ratios

PEG Ratio0.33

Price to Book (P/B)1.23

Price to Sales (P/S)2.19

P/FCF Ratio0.00

Enterprise Value/Market Cap1.26

Enterprise Value/Revenue3.83

Enterprise Value/Gross Profit5.36

Enterprise Value/Ebitda9.57

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

Strong Profitability And MarginsSustained high gross and net margins indicate durable core profitability and effective cost control in lending operations. This margin profile supports internal cash generation, resilience to credit volatility, and ongoing capacity to fund dividends or selective reinvestment without relying on external capital.

Improving Leverage ManagementA meaningful reduction in leverage reduces financial risk and interest burden, expanding strategic flexibility. Lower debt-to-equity improves the bank's ability to absorb shocks, preserve capital ratios, and allocate cash toward growth or shareholder returns while maintaining robust ROE dynamics.

Consistent Cash GenerationNear parity of free cash flow to net income demonstrates the business converts earnings into cash reliably, supporting dividend payments and debt servicing. Persistent cash generation provides optionality for capital allocation and reduces dependence on volatile funding markets over the medium term.

Bears Say

Inconsistent Revenue GrowthIrregular top-line growth complicates long-term planning and weakens predictability of earnings and capital needs. For a regional bank, cyclical or volatile revenue reduces visibility into credit provisioning and investment capacity, limiting stable expansion and strategic scaling over months to a few years.

Volatile Free Cash FlowLarge swings in free cash flow introduce execution risk for dividends, deleveraging, and reinvestment. Even with positive OCF, volatility impairs management's ability to commit to multi-period projects and raises the probability of funding stress if adverse credit or market conditions coincide with a cash trough.

Small Scale And Low LiquidityLimited scale constrains economies of scale, product breadth, and regional reach. Low trading liquidity and a small workforce raise execution and operational risk, slow growth initiatives, and can increase relative fixed costs, making margin maintenance and competitive response harder over time.

HLFN FAQ

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

Home Loan Financial Corporation lowest stock price was $33.00 and its highest was $46.00 in the past 12 months.

What is Home Loan Financial Corporation’s market cap?

Home Loan Financial Corporation’s market cap is $63.02M.

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 72 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 $1.375 which represents an annual dividend yield of 4.94%. 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

Company Description

Home Loan Financial Corporation

Home Loan Financial Corporation, which operates as a unitary thrift holding company, delivers a diverse range of banking and financial services across the United States. Its fundamental deposit offerings encompass checking, savings, and certificate of deposit accounts. Regarding its credit portfolio, the institution provides residential and non-residential mortgages, financing for residential construction and land acquisition, commercial loans, and various consumer credit products. These consumer credit options extend to home improvement loans, education loans, vehicle loans, unsecured personal loans, and credit cards, alongside loans secured by savings accounts. The corporation also deals in life insurance, annuities, long-term care insurance, and investment products. Its financial services are accessible through its main office in Coshocton, Ohio, and several branch locations in Coshocton, Mount Vernon, and West Lafayette, Ohio. Home Loan Financial Corporation was established in 1997 and maintains its principal place of business in Coshocton, Ohio.