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HFB Financial Corp (HFBA) fair value: what the stock is really worth

As of Oct 30, 2026: fair value (intrinsic value) of HFB Financial Corp stock $44.52, price $37.70, upside +18.1%, quality 55 out of 100. Rating: undervalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services US

HF HFB Financial Corp logo Broad data Nov 8, 2026

HFB Financial Corp

HFBA · US
Undervalued, in an uptrend

The stock costs 15% less than our calculation considers fair.

Fair value $44.52 · Undervalued
Highly profitable · 21.9% net margin (TTM)
2.0% dividend yield · Low payout
Broad data
Costs just 9.3 times its yearly profit.
Quality 55/100
Mixed Growth (revenue 5y +11.4 %/yr in USD)
Mixed vs. peers (8/15)
Moderate moat 60/100 · thin data
⚠ Thinly traded
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$38.06 $16.18 Fair Value $44.52 Jul 2015 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 8, 2026.

How to read this chart

60‑month range $16.18 – $38.06 · fair‑value band $33.48 – $51.97 · the $37.70 price screens below the $44.52 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 8, 2026.

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Company profile

HFB Financial Corporation operates as the bank holding company for Home Federal Bank Corporation that provides various banking and financial services to individuals and corporate customers.

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The company offers checking accounts, saving accounts, money market accounts, time deposits, health savings accounts, individual retirement accounts, and overdrafts. It also provides personal, recreational and car, mortgages, home improvement, construction, home equity, and business loans.

In addition, the company offers various insurance products, such as life and long-term care insurance products, as well as fixed and variable annuities.

Further, it invests in retirement planning, college funding, and estate planning; and mutual funds, stocks, bonds, real estate investment trusts, options, and unit investment trusts. Additionally, the company offers estate planning services; and debit cards and online banking services.

It primarily operates in Bell County, Kentucky, as well as surrounding counties and states of Tennessee and Virginia. The company was founded in 1920 and is headquartered in Middlesboro, Kentucky.

Stock analysis

HFB Financial Corp (HFBA) currently trades at $37.70, while our model-based Fair Value estimate is $44.52, implying the stock looks roughly 15% undervalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of $44.64 per share, and 2 of the 6 models we run sit above the $37.70 price.

Bear case: the Dividend Discount group reads lowest at $10.35, and 4 of the 6 models stay below the price. Data coverage for this calculation is high.

Scenario range: $33.48 (bear) to $51.97 (bull), the price of $37.70 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 55/100 (solid quality), in the Financial Services sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

HFB Financial Corp reported revenue of $34.9M in FY2025 versus $20.4M in FY2021, a compound +14.4%/yr. Reported net income was $4.6M in FY2025, compounding +6.1%/yr from FY2021.

Key figures

Market cap $42.9M Micro · P/E ratio 9.3 · P/S ratio 1.23 · EPS (TTM) $4.07 · Dividend yield 2.0% · Net margin 13.3% · Return on equity 8.6% · Return on assets (EBIT) 1.0% (5-year average).

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 60 out of 100 (low confidence).

What moves the price

The share trades about 1% below its 52-week high and 28% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at 18%, HFBA screens cheaper than that median.

Fair Value models

Bear $33.48 Fair Value $44.52 Bull $51.97
Price $37.70 · Upside +18.1%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($2.84 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income $40.84 $44.52 $51.97 76
Gordon GGM $7.90 $9.91 $12.08 69
DDM Multi-Stage $7.90 $10.79 $14.49 67
All 6 models by family
Dividend Discount
Gordon GGM $7.90 $9.91 $12.08 69
DDM Multi-Stage $7.90 $10.79 $14.49 67
Multiples
P/E Multiple $39.82 $53.09 $66.36 63
P/B Multiple $27.14 $36.19 $45.23 55
Asset-Based
NCAV (Graham) $23.44 $31.41 $46.87 54
Economic Profit
Residual Income $40.84 $44.52 $51.97 76

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Quality Score breakdown

Overall quality 55/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 26
How much profit the company makes from its sales and capital
Quality Growth 43
Are margins and returns getting better?
Cashflow 74
Do the profits arrive as real cash?
Financial strength 9
Debt, balance sheet and risk of trouble
Investment 80
Does it invest with discipline instead of growing at any price?
Low Volatility 75
How calm the share price moves, does not count
Price momentum 58
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 86
Distance to the 52-week high, does not count
New shares 90
Buys back shares or issues new ones?

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Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 81/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+77.3%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+19.6%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+11.4%
Start year 2020 (pandemic)
Revenue growth 30 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+5.3%
What shareholders gained per year (last 5 years) (mathematically smoothed) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip.
+1.3%
Earnings growth per share plus dividend.
Earnings per share, growth per year−0.7%
Dividend (yield on the price)2.0%
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.21% → 17%
2025 sits 51% above its own trend. The rate follows the median trend of the last 5 years, not that single year.

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks

Beats the industry median on 8/15 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 55 · Above median
Fair Value upside +18.1% · Top 25%
Profitability
Return on equity (12 months) 8.6% · Below median
Return on assets 0.8% · Below median
Net margin (12 months) 21.9% · Bottom 25%
Operating margin (12 months) 30.2% · Below median
Growth and dividend
Revenue growth (quarter YoY) 5.2% · Below median
Dividend yield (12 months) 2.0% · Below median
Balance sheet
Debt / equity 0.26× · Below median

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 9.3× · Cheaper than median
P/B 0.81× · Cheapest 25%
P/S (12 months) 2.63× · Cheaper than median
Price / free cash flow (fiscal year) 7.2× · Cheaper than median
EV/EBITDA 6.0× · Cheapest 25%
PEG 2.90× · Priciest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)57 · sector 8
FUTURE (revenue growth)26 · sector 47
PAST (return on equity)34 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)40 · sector 53

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Postal Savings Bank of China Co 601658 ¥5.53 ¥7.59 +37% vs HFBA
China Merchants Bank Co 600036 ¥42.88 ¥52.73 +23% vs HFBA
BNP Paribas SA BNP €91.93 €106.01 +15% vs HFBA
Intesa Sanpaolo S.p.A ISP €6.18 €4.49 −27% vs HFBA
State Bank of India SBIN ₹1,019 ₹736.65 −28% vs HFBA
UniCredit S.p.A UCG €76.80 €50.44 −34% vs HFBA
Mizuho Financial Group MFG $9.40 $5.89 −37% vs HFBA
DBS Group D05 69.72 SGD 40.39 SGD −42% vs HFBA
HDFC Bank Limited HDFCBANK ₹788.25 ₹406.39 −48% vs HFBA
ICICI Bank Limited ICICIBANK ₹1,571 ₹615.63 −61% vs HFBA

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HFB Financial Corp: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "HFB Financial Corp Fair Value". https://www.fairvalue-calculator.com/stock/HFBA

Frequently asked questions

Is HFB Financial Corp (HFBA) overvalued or undervalued?
As of Nov 8, 2026, our model estimates a fair value of $44.52 versus the last price from Oct 30, 2026 of $37.70, about +18% upside (undervalued).
What is the fair value of HFBA?
Our model-based fair value for HFB Financial Corp is $44.52 (as of Nov 8, 2026), built from audited fundamentals. Last price (from Oct 30, 2026): $37.70.
What is the quality score of HFBA?
HFB Financial Corp has a Quality Score of 55/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for HFB Financial Corp (HFBA)?
Our model-based price target is the fair value of $44.52 (as of Nov 8, 2026) from 6 valuation models. Cautious scenario $33.48, optimistic scenario $51.97. It is a calculation from audited fundamentals, not an analyst target.
What is the HFB Financial Corp stock forecast for 2026?
Our models put fair value at $44.52, about +18% upside versus the last price from Oct 30, 2026 of $37.70 (undervalued). Cautious scenario $33.48, optimistic scenario $51.97. The calculation is refreshed regularly with new filings.
What is the revenue of HFB Financial Corp (HFBA)?
HFB Financial Corp reported trailing-twelve-month revenue of about $16.3M (latest available figure, as of Nov 8, 2026).
Does HFB Financial Corp pay a dividend?
HFB Financial Corp currently shows a dividend yield of 2.02% relative to its recent price (as of Nov 8, 2026).
How much is the dividend of HFB Financial Corp (HFBA) and when is the ex-dividend date?
HFB Financial Corp pays a dividend of $0.76 per share a year, a dividend yield of 2.0%. The last ex-dividend date was Sep 11, 2026. A dividend has been paid every year since at least 1994. The payout ratio is 18.7% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.
What is the intrinsic value of HFB Financial Corp (HFBA)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For HFB Financial Corp it is $44.52 per share (as of Nov 8, 2026), against a price of $37.70. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is HFB Financial Corp stock overvalued or undervalued in 2026?
As of Nov 8, 2026, HFBA trades below its calculated fair value: price $37.70, fair value $44.52, a gap of about +18% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of HFBA?
No. The price is what the market pays today ($37.70); the fair value is what the company's own numbers justify ($44.52). For HFB Financial Corp the two are $6.82 per share apart. That gap is exactly why we show both numbers side by side.
How much is HFB Financial Corp worth?
The market values HFB Financial Corp at about $42.9M (market capitalisation, as of Nov 8, 2026). Per share that is $37.70; our models calculate a fair value of $44.52 per share.
What do the bullish and bearish scenarios say about HFBA?
Our models span a range for HFB Financial Corp: cautious scenario $33.48, base $44.52, optimistic $51.97 per share (as of Nov 8, 2026, price $37.70). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of HFBA?
HFB Financial Corp trades at a price-to-earnings ratio of 9.3 (as of Nov 8, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $44.52 is built from several models across several years. Median P/E at fiscal year-end, 9 fiscal years (2017 to 2025), reported earnings: 10.7. Other multiples: PEG 2.9, P/B 0.8, P/S 2.6, EV/EBITDA 6.0.
What is the PEG ratio of HFBA?
The PEG ratio of HFB Financial Corp is 2.90 (P/E divided by earnings growth, as of Nov 8, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of HFB Financial Corp (HFBA)?
Balance-sheet figures for HFB Financial Corp (as of Nov 8, 2026): return on equity 8.6%, debt of 0.26 per unit of equity. They feed the Quality Score of 55/100, which measures business quality independently of the share price.
How far is HFBA from its 52-week high?
HFB Financial Corp trades at $37.70, about 1% below its 52-week high of $38.06 and 28% above the low of $29.39 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $44.52 is for.
Which stocks are comparable to HFB Financial Corp?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is HFB Financial Corp stock attractive at the current price?
The data as of Nov 8, 2026: price $37.70, calculated fair value $44.52 (+18%), Quality Score 55/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of HFBA calculated?
We run HFB Financial Corp through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $44.52 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. HFB Financial Corp currently trades 15% below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of HFB Financial Corp (HFBA)?
The latest price we hold is from Oct 30, 2026 and stands at $37.70. Our model-based fair value is $44.52, about +18% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with HFB Financial Corp right now?
For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly. The price sits in the lower half of our model range, the side with the larger margin of safety. The data supports the verdict: every model runs on fully documented inputs.

Key figures of HFB Financial Corp

How large is the market capitalisation of HFB Financial Corp (HFBA)?
The market capitalisation of HFB Financial Corp is $42.9M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of HFB Financial Corp (HFBA)?
The price-to-sales ratio of HFB Financial Corp is 1.23 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of HFB Financial Corp (HFBA)?
Earnings per share at HFB Financial Corp are $4.07 (price ÷ EPS = P/E 9.3). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of HFB Financial Corp (HFBA)?
The dividend yield of HFB Financial Corp is 2.0% (payout 18.7%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of HFB Financial Corp (HFBA)?
The net margin of HFB Financial Corp is 13.3% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of HFB Financial Corp (HFBA)?
The return on equity (ROE) of HFB Financial Corp is 8.6% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of HFB Financial Corp (HFBA)?
On an EBIT basis the return on assets of HFB Financial Corp is 1.0% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of HFB Financial Corp (HFBA)?
The operating margin of HFB Financial Corp is 30.2% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at HFB Financial Corp (HFBA)?
Revenue at HFB Financial Corp is growing +5.2% versus a year earlier (3y avg +19.6%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at HFB Financial Corp (HFBA)?
Earnings per share at HFB Financial Corp are growing −0.4% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does HFB Financial Corp (HFBA) generate?
The free cash flow of HFB Financial Corp is $5.9M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does HFB Financial Corp (HFBA) hold?
HFB Financial Corp holds more cash than debt, $15.1M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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