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Hamlin Bank and Trust Company (HMLN) Fair Value & Analysis

Financial Services · US · Market cap $82.2M

Price$240.00
Fair Value$250.11
Upside+4.2%
Quality95/100
Evidence: High Range $187.58 – $312.63

Fair value as of: Jun 26, 2026

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Analysis

Hamlin Bank and Trust Company (HMLN) currently trades at $240.00, while our model-based Fair Value estimate is $250.11 — implying the stock looks roughly 4.2% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

About the company

Hamlin Bank and Trust Company provides various financial and trust services in Northwestern Pennsylvania. The company accepts checking, savings, individual retirement accounts, and certificates of deposit. Its loan products include mortgage loans; consumer loans, including personal, auto, home equity, boat, camper, and recreational vehicle loans; and commercial lines of credit, property and equipment loans, land development and acquisition loans, construction loans, and commercial mortgages. The company also offers debit cards; estate settlement, as well as personal trusts, investment management, and custodial services; and safe deposit boxes, night depository, cashier's checks, travelers checks, and telephone banking services. Hamlin Bank and Trust Company was founded in 1863 and is based in Smethport, Pennsylvania.

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Frequently asked questions

Is Hamlin Bank and Trust Company (HMLN) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $250.11 versus a price of $240.00 — about +4% (undervalued). Model-based estimate, not financial advice.
What is the fair value of HMLN?
Our 21-model fair value for Hamlin Bank and Trust Company is $250.11 (as of Jun 26, 2026), built from audited fundamentals. The current price is $240.00.
What is the quality score of HMLN?
Hamlin Bank and Trust Company has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.