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    Banks - Regional
HFB Financial Corporation

HFB Financial Corporation

HFBA
HFB Financial CorporationUS flagOther OTC
36.50
USD
+0.10
- -
41.64MMarket Cap
HFB Financial Corporation
HFBA
(Other OTC)

Recent

price

36.50

P/E

ratio

- -

div

yld

- -

ROIC.AI

1996
1997
1998
1999
2000
2001
2002
2002
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
0.29
0.68
0.72
0.44
0.6
0.89
1.13
- -
13.7
14.76
16.25
17.33
16.99
17.25
- -
1.21
Revenue per Share
0.63
0.8
1.16
0.94
1.09
1.2
1.27
- -
2.47
2.89
3.09
4.15
2.69
2.23
- -
1.43
Basic EPS, GAAP
0.18
0.76
1.09
0.78
-0.39
0.62
2.92
- -
2.71
3.23
4.02
3.69
0.24
1.05
- -
2.32
Free Cash Flow per Basic Share
- -
0.32
0.36
0.37
0.36
0.4
0.4
- -
0.78
0.8
0.8
0.82
0.82
0.82
- -
0.41
Dividend per Share
8.88
10.06
10.82
11.22
10.14
11.62
12.39
- -
35.42
37.65
40.05
43.53
45.8
47.73
- -
12.31
Book Value per Share
11.68
12.82
13.86
13.45
13.6
16.49
17.69
- -
38.22
40.95
42.76
36.9
39.73
41.26
- -
17.86
Tangible Book Value per Share
1
1
1
1
1
1
1
- -
1
1
1
1
1
1
- -
1
Basic Weighted Avg Shares
- -
1
1
1
1
1
1
- -
16
17
19
20
20
20
24
2
Sales/Revenue/Turnover
-743.58
-386.32
- -
- -
- -
-349.35
-339.47
- -
- -
- -
- -
- -
- -
- -
- -
-330.42
Operating Margin (%)
- -
- -
- -
- -
- -
- -
1
- -
1
1
1
1
1
1
1
- -
Depreciation Expense
1
1
2
1
1
1
2
- -
3
3
4
5
3
3
5
2
Net Income, GAAP
35.87
36.3
34.49
34.61
35.34
34
31.95
- -
16.42
18.76
20.26
19.71
17.76
19.59
21.62
31.74
Effective Tax Rate (%)
216.72
117.36
160.77
214.91
180.74
134.92
112.47
- -
18.04
19.6
19
23.97
15.86
12.94
19.62
117.66
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
3
1
6
11
13
13
21
27
27
28
20
32
13
24
- -
26
LT Debt
16
17
18
18
18
20
22
24
45
49
51
43
46
47
53
23
Total Equity
- -
-9.95
- -
- -
- -
-7.75
-8.51
- -
- -
- -
- -
- -
- -
- -
- -
-8.19
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
8.35
11.11
8.6
10.22
10.7
10.62
- -
10.04
7.9
7.94
9.92
5.98
4.75
8.22
12.07
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Mar'02
Jun'02
Sep'02
ST Debt
- -
- -
2
LT Borrowings
21
21
26
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
1
1
1
Market Capitalization
10
9
10

Working Capital

FRC

•

in mil. unless spec.
Mar'02
Jun'02
Sep'02
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
8
5
5
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
2
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
13.92%
2.24%
12.78%
Free Cash Flow
- -
130.09%
397.26%
Net Income, GAAP
- -
13.51%
81.58%
Sales/Revenue/Turnover
- -
6.47%
19.78%
Total Cash Common Dividend
- -
-0.34%
-0.49%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
20
2024
- -
- -
- -
- -
20
2025
- -
- -
- -
- -
24

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
2.69
2024
- -
- -
- -
- -
2.23
2025
- -
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
0.82
2024
- -
- -
- -
- -
0.82
2025
- -
- -
- -
- -
- -
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Business
HFB Financial Corporation HFB Financial Corporation (HFBA) operates as the bank holding company for Home Federal Bank, which provides retail and commercial banking services, consumer and business loans, and wealth management products to individuals and businesses primarily in Bell County, Kentucky, and surrounding areas of Tennessee and Virginia. Home Federal Bank offers deposit products including checking accounts, savings accounts, money market accounts, time deposits, health savings accounts, individual retirement accounts, and overdraft protection; consumer and mortgage lending options such as personal loans, recreational vehicle and automobile loans, mortgages, home improvement loans, construction loans, home equity lines of credit, and business loans; insurance products encompassing life insurance, long-term care insurance, fixed annuities, and variable annuities; investment services covering retirement planning, college funding, estate planning, mutual funds, stocks, bonds, real estate investment trusts, options, and unit investment trusts; and additional services like debit cards, online banking, and estate planning. Founded in 1920 and headquartered in Middlesboro, Kentucky, the company maintains a regional focus in the southeastern United States with approximately 70 employees under the leadership of President and CEO D. Alex Cook. Recent financial performance as of late 2024 includes a market capitalization around $33 million, a dividend yield of approximately 2.8%, and steady operations without major acquisitions, partnerships, funding rounds, or strategic shifts reported in the past two years.