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Home Loan Financial
(OTC:HLFN)
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Rating:76Outperform
Price Target:
$51.00
▲(13.21% Upside)
Action:Reiterated
Date:08/04/26
The score is driven primarily by attractive valuation (low P/E and strong dividend yield) and solid underlying financial performance (strong margins, improving leverage, and robust ROE). Technicals are supportive with price above key moving averages and positive MACD, though near-overbought momentum indicators temper the outlook. Financial growth and cash flow stability remain the main risks given inconsistent revenue and volatile free cash flow growth.
Positive Factors
Strong profitability and margins
Sustained 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.
Negative Factors
Inconsistent revenue growth
Irregular 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.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong profitability and margins
Sustained 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.
Read all positive factors
Home Loan Financial (HLFN) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$64.57M
Dividend Yield4.83%
Average Volume (3M)87.00
Price to Earnings (P/E)7.4
Beta (1Y)0.13
Revenue Growth11.07%
EPS Growth21.30%
CountryUS
Employees45
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)4.71
Shares Outstanding1,403,668
10 Day Avg. Volume84
30 Day Avg. Volume87
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 Cap1.23
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
Home Loan Financial Business Overview & Revenue Model
Company Description
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 certificat...
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 2025 | Jun 2024 | Jun 2023 | Jun 2022 | Jun 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 27.90M | 25.12M | 20.73M | 15.83M | 12.47M |
| Gross Profit | 19.41M | 17.60M | 15.07M | 13.62M | 11.47M |
| EBITDA | 11.02M | 8.97M | 7.24M | 6.71M | 5.23M |
| Net Income | 8.76M | 7.22M | 5.48M | 5.17M | 4.16M |
Balance Sheet | |||||
| Total Assets | 386.66M | 361.17M | 330.61M | 291.17M | 254.57M |
| Cash, Cash Equivalents and Short-Term Investments | 4.71M | 9.66M | 9.23M | 8.26M | 8.21M |
| Total Debt | 16.50M | 30.00M | 42.80M | 32.04M | 4.25M |
| Total Liabilities | 337.03M | 317.44M | 291.67M | 255.47M | 221.47M |
| Stockholders Equity | 49.62M | 43.73M | 38.94M | 35.70M | 33.10M |
Cash Flow | |||||
| Free Cash Flow | 0.00 | 8.49M | 6.32M | 5.88M | 4.05M |
| Operating Cash Flow | 0.00 | 8.53M | 6.67M | 6.12M | 5.04M |
| Investing Cash Flow | 0.00 | -31.76M | -40.06M | -37.23M | -30.96M |
| Financing Cash Flow | 0.00 | 22.65M | 32.37M | 30.43M | -2.74M |
Home Loan Financial Technical Analysis
Positive
45.05
Price Trends
44.19
Positive
43.24
Positive
40.45
Positive
Market Momentum
0.30
Negative
53.07
Neutral
44.74
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 45.05 is below the 20-day moving average (MA) of 46.58, above the 50-day MA of 44.19, and above the 200-day MA of 40.45, indicating a neutral trend. The MACD of 0.30 indicates Negative momentum. The RSI at 53.07 is Neutral, neither overbought nor oversold. The STOCH value of 44.74 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
83 Outperform | $114.49M | 5.24 | 16.39% | ― | 24.01% | 20.16% | |
76 Outperform | $76.06M | 12.25 | 10.69% | 2.22% | 7.71% | 60.72% | |
76 Outperform | $64.57M | 7.38 | 18.77% | 4.83% | 11.07% | 21.30% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $83.03M | 9.64 | 7.13% | 2.45% | 4.91% | 127.20% | |
65 Neutral | $49.93M | 14.48 | 6.14% | 1.44% | 5.94% | 51.02% |
* Financial Sector Average
HLFN
Home Loan Financial
46.00
14.64
46.68%
ASRV
Ameriserv Financial
4.89
2.03
70.80%
HFBL
Home Federal Bancorp Of Louisiana
25.00
11.90
90.84%
OPHC
Optimumbank Holdings
9.07
4.88
116.47%
TCBS
Texas Community
17.38
1.42
8.91%
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.