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Home Loan Financial Corporation (HLFN)

USD43.00 -0.43 (-0.99%)
US OTC Financial Services Banks - Regional
Address 413 Main Street 43812-1547
Coshocton, OH, US
CEO Robert C. Hamilton
IPO 1998-03-26
ISIN US4371832050

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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 of deposit accounts. Regarding its credit portfolio, the institution provides residential and non-residential mortgages, financing for residential construction and land acquisition, commercial loans, and various consumer credit products. These consumer credit options extend to home improvement loans, education loans, vehicle loans, unsecured personal loans, and credit cards, alongside loans secured by savings accounts. The corporation also deals in life insurance, annuities, long-term care insurance, and investment products. Its financial services are accessible through its main office in Coshocton, Ohio, and several branch locations in Coshocton, Mount Vernon, and West Lafayette, Ohio. Home Loan Financial Corporation was established in 1997 and maintains its principal place of business in Coshocton, Ohio.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
USD43.00 -0.43 (-0.99%)
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Volume Profile
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Liquidity & share structure
Average Volume
180
Beta
0.12
Float Shares
1.40M
Free Float %
99.4%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+4.63% -2.17% -1.42% +8.43% +30.47% +29.05% +36.57% +48.51% +40.63% +78.22% +195.08%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

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By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
43.00
DCF (Unlevered) 128.96 +199.9%
DCF (Levered) 121.48 +182.5%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM)
Rating 2024-11 Change
Strong Buy 0 0
Buy 0 0
Hold 0 0
Sell 0 0
Strong Sell 0 0
Quality scores
Altman Z-Score
-0.54
Distress
Piotroski F-Score
5 / 9
Average
Composite Rating
A+
Overall Score
4 / 5
High
DCF Score
5 / 5
High
ROE Score
5 / 5
High
ROA Score
5 / 5
High
D/E Score
2 / 5
Medium
P/E Score
4 / 5
High
P/Book Score
3 / 5
Medium
Operational MOAT
  • Revenue growth
    +21.2% Q1'26: +14.1% (vs Q1'25)
  • EPS growth
    +31.8% Q1'26: +32.8% (vs Q1'25)
  • FCF margin
    Q1'26: +0.0% (vs Q1'25)
  • EBIT margin
    Q1'26: +38.9% (vs Q1'25)
  • ROIC
    Q1'26: +13.7% (vs Q1'25)
  • Share dilution
    +0.0% Q1'26: +0.2% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: 1.80× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.13) × ERP
WACC = 68% × Ke + 32% × Kd (25.1%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 128.96 Current price: 43.00
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-26 A- 4/5 5/5 5/5 4/5 2/5 3/5 2/5
2026-05-18 A- 4/5 5/5 5/5 4/5 2/5 3/5 2/5
2026-05-14 A 4/5 5/5 5/5 4/5 2/5 4/5 2/5
2026-05-12 A 4/5 5/5 5/5 4/5 2/5 4/5 2/5
2026-05-11 A 4/5 5/5 5/5 4/5 2/5 4/5 2/5
2026-05-08 A 4/5 5/5 5/5 5/5 2/5 4/5 2/5
2026-05-05 A 4/5 5/5 5/5 5/5 2/5 4/5 2/5
2026-05-04 A 4/5 5/5 5/5 5/5 2/5 4/5 2/5
2026-04-30 A 4/5 5/5 5/5 5/5 2/5 4/5 2/5
2026-04-28 A+ 4/5 5/5 5/5 5/5 2/5 4/5 3/5
2026-04-27 A+ 4/5 5/5 5/5 5/5 2/5 4/5 3/5
2026-04-24 A+ 4/5 5/5 5/5 5/5 2/5 4/5 3/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
892.3K
OE per share TTM
0.64
Owner's Yield
1.41%
Maintenance CapEx ratio
5.85%
Maint CapEx / Avg PPE
18.4%

Ownership Overview

Ownership breakdown
At a glance
Institutional holders
1
Total invested
181.3K
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend From To
13F snapshot — 2025 Q4
Investors holding
1
+0 vs prev Q
New positions
0
Closed positions
0
Increased
1
Reduced
0
Put/Call ratio
0.00
Calls held
Puts held
Top institutional holders
# Investor Shares / Δ Mkt value / Δ Own% / Δ Weight% / Δ Avg px / Perf. Hold / Status
1 SIENA CAPITAL PARTNERS GP, LLC 5.2K +2.2K (+71.7%) 181.3K +81.7K (+82.0%) 0.37% +0.152 pp 0.05% +0.020 pp USD34.07 +2.3% 2 qtrs
Ownership breakdown by holder

ETF Ownership

Top ETFs holding this stock

This company is not held by any ETF in our universe.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
199.4K
Shares Outstanding
1.41M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Robert C. Hamilton Chairman & Chief Executive Officer 285.1K male
Kyle R. Hamilton President & Director 121.2K male
Breann L. Miller Chief Financial Officer female
Thomas R. Conidi Vice President & Director male
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits