Home Loan Financial Corp (HLFN) fair value: what the stock is really worth
As of Nov 2, 2026: fair value (intrinsic value) of Home Loan Financial Corp stock $43.95, price $46.00, that is 4.5% below the price, quality 59 out of 100. Rating: fairly valued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 4, 2026.
How to read this chart
60‑month range $11.51 – $62.99 · fair‑value band $35.11 – $61.56 · the $46.00 price screens above the $43.95 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 4, 2026.
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Home Loan Financial Corporation, a unitary thrift holding company, provides various banking products and services in the United States.
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The company's primary deposit products include checking, savings, and term certificate accounts; and lending products comprise residential mortgage, nonresidential mortgage, residential construction and land, commercial, and consumer loans.
It also provides consumer credits, such as home improvement loans, education loans, loans secured by savings accounts, motor vehicle loans, unsecured loans, and credit cards. In addition, the company sells life insurance, annuity, long-term care insurance, and investment products.
Home Loan Financial Corporation was incorporated in 1997 and is based in Coshocton, Ohio.
Stock analysis
Home Loan Financial Corp (HLFN) currently trades at $46.00, while our model-based Fair Value estimate is $43.95, so the stock looks roughly fairly valued today (gap 4.7%).
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Valuation
Bull case: the Multiples group reads highest at a median of $64.83 per share, and 2 of the 6 models we run sit above the $46.00 price.
Bear case: the Asset-Based group reads lowest at $23.55, and 4 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: $35.11 (bear) to $61.56 (bull), the price of $46.00 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 59/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Home Loan Financial Corp reported revenue of $27.9M in FY2026 versus $12.5M in FY2022, a compound +22.3%/yr. Reported net income was $8.8M in FY2026, compounding +20.5%/yr from FY2022.
Key figures
Market cap $64.6M Micro · P/E ratio 7.4 · P/S ratio 3.26 · EPS (TTM) $6.22 · Dividend yield 1.8% · Net margin 45.5% · Return on equity 19.3% · Return on assets (EBIT) 2.3% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 73 out of 100 (low confidence).
What moves the price
The share trades about 27% below its 52-week high and 41% 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 −4%, HLFN screens cheaper than that median.
Fair Value models
Bear$35.11Fair Value $43.95Bull$61.56
Price $46.00 · Downside -4.5%
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 2026 figures (about 4 months old). Earnings retained since then ($1.95 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.
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.92/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+11.1%
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.
+20.8%
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.
+17.1%
Start year 2021 (pandemic). Over 10 years: +10.4% a year
Revenue growth 29 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.
+9.3%
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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.
+19.8%
Earnings growth per share plus dividend.
Earnings per share, growth per year+18.0%
Dividend (yield on the price)1.8%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.17.9% vs 11.1%, picking up
Profit margin 2021 to 2026 ⓘ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.37% → 40%
2026 sits 60% above its own trend. The rate follows the median trend of the last 5 years, not that single year.
Compare Home Loan Financial Corp with another stock
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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 11/15 measures
Overall it ranks above its industry peers.
Valuation
Quality Score59 · Above median
Fair Value upside−4.5% · Above median
Profitability
Return on equity (12 months)19.3% · Top 25%
Return on assets2.3% · Top 25%
Net margin (12 months)45.5% · Top 25%
Operating margin (12 months)55.0% · Top 25%
Growth and dividend
Revenue growth (quarter YoY)9.2% · Below median
Dividend yield (12 months)1.8% · Below median
Balance sheet
Debt / equity0.11× · Below median
Valuation Multiplesvs Banks - Regional median · lower = cheaper
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Is Home Loan Financial Corp (HLFN) overvalued or undervalued?
As of Nov 4, 2026, our model estimates a fair value of $43.95 versus the last price from Nov 2, 2026 of $46.00, about 4% lower (fairly valued).
What is the fair value of HLFN?
Our model-based fair value for Home Loan Financial Corp is $43.95 (as of Nov 4, 2026), built from audited fundamentals. Last price (from Nov 2, 2026): $46.00.
What is the quality score of HLFN?
Home Loan Financial Corp has a Quality Score of 59/100. 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 Home Loan Financial Corp (HLFN)?
Our model-based price target is the fair value of $43.95 (as of Nov 4, 2026) from 6 valuation models. Cautious scenario $35.11, optimistic scenario $61.56. It is a calculation from audited fundamentals, not an analyst target.
What is the Home Loan Financial Corp stock forecast for 2026?
Our models put fair value at $43.95, about 4% lower versus the last price from Nov 2, 2026 of $46.00 (fairly valued). Cautious scenario $35.11, optimistic scenario $61.56. The calculation is refreshed regularly with new filings.
What is the revenue of Home Loan Financial Corp (HLFN)?
Home Loan Financial Corp reported trailing-twelve-month revenue of about $19.8M (latest available figure, as of Nov 4, 2026).
Does Home Loan Financial Corp pay a dividend?
Home Loan Financial Corp currently shows a dividend yield of 1.79% relative to its recent price (as of Nov 4, 2026).
How much is the dividend of Home Loan Financial Corp (HLFN) and when is the ex-dividend date?
Home Loan Financial Corp pays a dividend of $0.825 per share a year, a dividend yield of 1.8%. The last ex-dividend date was Oct 30, 2026. A dividend has been paid every year since at least 1998. The payout ratio is 13.3% 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 Home Loan Financial Corp (HLFN)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Home Loan Financial Corp it is $43.95 per share (as of Nov 4, 2026), against a price of $46.00. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Home Loan Financial Corp stock overvalued or undervalued in 2026?
As of Nov 4, 2026, HLFN trades above its calculated fair value: price $46.00, fair value $43.95, a gap of about −4% (fairly valued). 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 HLFN?
No. The price is what the market pays today ($46.00); the fair value is what the company's own numbers justify ($43.95). For Home Loan Financial Corp the two are $2.05 per share apart. That gap is exactly why we show both numbers side by side.
How much is Home Loan Financial Corp worth?
The market values Home Loan Financial Corp at about $64.6M (market capitalisation, as of Nov 4, 2026). Per share that is $46.00; our models calculate a fair value of $43.95 per share.
What do the bullish and bearish scenarios say about HLFN?
Our models span a range for Home Loan Financial Corp: cautious scenario $35.11, base $43.95, optimistic $61.56 per share (as of Nov 4, 2026, price $46.00). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of HLFN?
Home Loan Financial Corp trades at a price-to-earnings ratio of 7.4 (as of Nov 4, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $43.95 is built from several models across several years. Median P/E at fiscal year-end, 10 fiscal years (2017 to 2026), reported earnings: 11.4. Other multiples: PEG 7.7, P/B 1.3, P/S 3.3, EV/EBITDA 5.9.
What is the PEG ratio of HLFN?
The PEG ratio of Home Loan Financial Corp is 7.70 (P/E divided by earnings growth, as of Nov 4, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of Home Loan Financial Corp (HLFN)?
Balance-sheet figures for Home Loan Financial Corp (as of Nov 4, 2026): return on equity 19.3%, debt of 0.11 per unit of equity. They feed the Quality Score of 59/100, which measures business quality independently of the share price.
How far is HLFN from its 52-week high?
Home Loan Financial Corp trades at $46.00, about 27% below its 52-week high of $62.99 and 41% above the low of $32.67 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $43.95 is for.
Which stocks are comparable to Home Loan 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 Home Loan Financial Corp stock attractive at the current price?
The data as of Nov 4, 2026: price $46.00, calculated fair value $43.95 (−4%), Quality Score 59/100, 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 HLFN calculated?
We run Home Loan 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 $43.95 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. Home Loan Financial Corp itself currently trades above fair value. 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 Home Loan Financial Corp (HLFN)?
The latest price we hold is from Nov 2, 2026 and stands at $46.00. Our model-based fair value is $43.95, about 4% lower (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Home Loan Financial Corp right now?
The price sits close to our fair value, market and models broadly agree here, little valuation tension. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of Home Loan Financial Corp (HLFN) come from?
Earnings per share at Home Loan Financial Corp grew +9.8 % a year from 2015 to 2026. Broken into its drivers: revenue per share +10.6 %, EBIT margin −2.2 %, tax rate +1.3 %, residual (interest, one-offs) +0.2 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of Home Loan Financial Corp
How large is the market capitalisation of Home Loan Financial Corp (HLFN)?
The market capitalisation of Home Loan Financial Corp is $64.6M. 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 Home Loan Financial Corp (HLFN)?
The price-to-sales ratio of Home Loan Financial Corp is 3.26 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Home Loan Financial Corp (HLFN)?
Earnings per share at Home Loan Financial Corp are $6.22 (price ÷ EPS = P/E 7.4). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Home Loan Financial Corp (HLFN)?
The dividend yield of Home Loan Financial Corp is 1.8% (payout 13.3%). 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 Home Loan Financial Corp (HLFN)?
The net margin of Home Loan Financial Corp is 45.5% (last twelve months). 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 Home Loan Financial Corp (HLFN)?
The return on equity (ROE) of Home Loan Financial Corp is 19.3% (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 Home Loan Financial Corp (HLFN)?
On an EBIT basis the return on assets of Home Loan Financial Corp is 2.3% (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 Home Loan Financial Corp (HLFN)?
The operating margin of Home Loan Financial Corp is 55.0% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Home Loan Financial Corp (HLFN)?
Revenue at Home Loan Financial Corp is growing +9.2% versus a year earlier (3y avg +20.8%). 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 Home Loan Financial Corp (HLFN)?
Earnings per share at Home Loan Financial Corp are growing +13.8% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Home Loan Financial Corp (HLFN) generate?
The free cash flow of Home Loan Financial Corp is $10.0M (fiscal year 2026). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Home Loan Financial Corp (HLFN) carry?
The net debt of Home Loan Financial Corp is $11.8M (fiscal year 2026, ≈ 1.2 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Broad data
Nov 4, 2026