Home Loan Financial (HLFN) AI Stock Analysis

Home Loan Financial

(Other OTC:HLFN)

Select Model

Rating:76Outperform

Price Target:$51.00▲(8.22% 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 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.

Negative Factors

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.

Home Loan Financial (HLFN) vs. SPDR S&P 500 ETF (SPY)

Market Cap: $65.44M
Dividend Yield: 4.75%
Average Volume (3M): 436
Price to Earnings (P/E): 7.2
Beta (1Y): 0.03
Revenue Growth: 11.07%
EPS Growth: 21.17%
Country: US
Employees: 45
Sector: Financial
Sector Strength: 68
Industry: Banks - Regional

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 certificate o...

How the Company Makes Money

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Home Loan Financial Financial Statement Overview

Summary

Solid profitability and margin profile with improving leverage (debt-to-equity down to 0.68) and robust ROE (>12%). Offsetting this, revenue growth and free cash flow growth have been inconsistent/volatile, and operating cash flow efficiency is noted as relatively low.

Income Statement

75Positive

Balance Sheet

70Positive

Cash Flow

65Positive

Financial statement breakdown
Breakdown	TTM	Jun 2025	Jun 2024	Jun 2023	Jun 2022	Jun 2021
Income Statement
Total Revenue	19.14M	27.90M	25.12M	20.73M	15.83M	12.47M
Gross Profit	15.10M	19.41M	17.60M	15.07M	13.62M	11.47M
EBITDA	5.86M	11.02M	8.97M	7.24M	6.71M	5.23M
Net Income	6.90M	8.76M	7.22M	5.48M	5.17M	4.16M
Balance Sheet
Total Assets	388.76M	386.66M	361.17M	330.61M	291.17M	254.57M
Cash, Cash Equivalents and Short-Term Investments	0	4.71M	9.66M	9.23M	8.26M	8.21M
Total Debt	13.83M	16.50M	30.00M	42.80M	32.04M	4.25M
Total Liabilities	338.95M	337.03M	317.44M	291.67M	255.47M	221.47M
Stockholders Equity	49.82M	49.62M	43.73M	38.94M	35.70M	33.10M
Cash Flow
Free Cash Flow	0	0	8.49M	6.32M	5.88M	4.05M
Operating Cash Flow	0	0	8.53M	6.67M	6.12M	5.04M
Investing Cash Flow	0	0	-31.76M	-40.06M	-37.23M	-30.96M
Financing Cash Flow	0	0	22.65M	32.37M	30.43M	-2.74M

Home Loan Financial Technical Analysis

Technical Analysis SentimentPositive

Last Price47.13

Price Trends

50DMA46.13Positive

100DMA44.70Positive

200DMA42.49Positive

Market Momentum

MACD-0.04Positive

RSI58.85Neutral

STOCH16.57Positive

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 47.13 is above the 20-day moving average (MA) of 46.61, above the 50-day MA of 46.13, and above the 200-day MA of 42.49, indicating a bullish trend. The MACD of -0.04 indicates Positive momentum. The RSI at 58.85 is Neutral, neither overbought nor oversold. The STOCH value of 16.57 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for HLFN.

Home Loan Financial Peers Comparison

Overall Rating

UnderperformOutperform

Sector (68)

Financial Indicators

HLFN against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
OPHC	83Outperform	$115.50M	5.29	16.39%	―	24.01%	20.16%
HLFN	76Outperform	$66.15M	7.23	18.75%	4.75%	11.07%	21.17%
ASRV	70Outperform	$83.42M	9.14	7.48%	2.44%	2.43%	75.47%
Sector *	68Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
TCBS	65Neutral	$49.87M	14.34	6.14%	1.44%	5.94%	51.02%
HFBL	64Neutral	$69.25M	10.68	11.12%	2.49%	7.94%	43.98%

* Financial Sector Average

Performance Comparison

HLFN and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
HLFN	Home Loan Financial Corporation	47.13	15.10	47.14%
ASRV	AmeriServ Financial, Inc.	4.91	1.88	62.15%
HFBL	Home Federal Bancorp Inc. Of Louisiana	22.85	6.90	43.23%
OPHC	Optimumbank	9.15	5.05	123.17%
TCBS	Texas Community Bancshares, Inc.	17.36	1.70	10.83%

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.

Date of analysis: Aug 04, 2026

Home Loan Financial AI Stock Analysis