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    Banks - Regional
Home Loan Financial Corporation

Home Loan Financial Corporation

HLFN
Home Loan Financial CorporationUS flagOther OTC
43.01
USD
-0.42
- -
60.62MMarket Cap
Home Loan Financial Corporation
HLFN
(Other OTC)

Recent

price

43.01

P/E

ratio

- -

div

yld

- -

ROIC.AI

1999
2000
2001
2002
2003
2004
2005
2006
2007
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
2.32
2.63
3.18
3.81
4.39
4.36
3.93
4.34
4.18
7.56
7.62
7.98
8.19
9.72
10.73
12.51
14.13
Revenue per Share
0.67
0.61
0.87
0.99
1.25
1.13
0.76
0.5
0.68
2.67
2.57
2.74
2.97
3.69
3.9
5.13
5.86
Basic EPS, GAAP
0.98
0.69
1.19
1.51
1.66
1.89
- -
- -
- -
3.18
3.48
1.29
3.95
4.2
4.5
- -
- -
Free Cash Flow per Basic Share
0.26
0.3
0.43
0.48
0.62
0.83
- -
- -
- -
1.56
1.68
1.68
1.81
1.92
1.92
- -
- -
Dividend per Share
6.29
7.5
8.26
9.28
9.68
9.32
8.51
9.01
8.94
18.07
18.95
20
21.16
22.92
24.84
28
30.62
Book Value per Share
10.26
11.51
12
13.52
14.48
14.12
13.51
12.06
12.32
21
21.89
22.92
23.64
25.48
27.72
31.09
33.77
Tangible Book Value per Share
2
2
2
1
1
2
2
2
2
1
1
1
1
1
1
1
1
Basic Weighted Avg Shares
4
4
5
6
7
7
7
7
6
11
11
11
11
14
15
18
20
Sales/Revenue/Turnover
- -
- -
41.8
39.89
- -
40.07
29.66
16.44
23.05
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
1
1
1
1
2
2
1
1
1
4
4
4
4
5
5
7
8
Net Income, GAAP
35
35.96
34.5
34.8
33.96
35.32
34.88
29.88
29.8
18.65
18.03
18.54
18.53
20.69
22.02
19.58
19.76
Effective Tax Rate (%)
28.89
23.18
27.38
26.01
28.45
25.92
19.32
11.52
16.18
35.39
33.67
34.39
36.23
37.96
36.35
41.01
41.49
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
17
- -
- -
- -
39
45
45
37
29
9
5
5
4
32
43
30
20
LT Debt
20
19
19
20
22
22
23
18
19
29
31
32
33
36
39
44
47
Total Equity
- -
- -
2.85
2.97
- -
2.72
1.85
1.22
1.99
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
11.06
8.29
10.79
10.87
13.22
12.21
8.84
5.38
7.53
19.33
13.86
14.09
14.42
16.75
16.35
19.43
19.96
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Sep'26
Dec'26
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
1
1
1
Market Capitalization
47
49
58

Working Capital

FRC

•

in mil. unless spec.
Sep'26
Dec'26
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
11
10
10
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
8.39%
7.42%
12.31%
Free Cash Flow
- -
- -
- -
Net Income, GAAP
30.64%
15.45%
31.75%
Sales/Revenue/Turnover
11.36%
10.72%
16.8%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
4
4
4
4
15
2025
4
4
4
5
18
2026
5
5
5
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.88
1.01
0.93
1.09
3.9
2025
1.21
1.35
1.16
1.42
5.13
2026
1.38
1.52
1.54
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
1.92
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
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Business
Home Loan Financial Corporation (HLFN) is a unitary thrift holding company that provides banking and financial services through its subsidiaries, The Home Loan Savings Bank and Home Loan Financial Services, Inc., primarily in Ohio. The company offers deposit products including checking accounts, savings accounts, and term certificate accounts; lending products such as residential mortgage loans secured by one- to four-family properties, nonresidential mortgage loans, residential construction and land loans, commercial loans, and consumer loans including home improvement, education, savings-secured, motor vehicle, unsecured, and credit card loans; and additional services encompassing individual retirement accounts, certificates of deposit, health savings accounts, money market accounts, life insurance, annuities, long-term care insurance, investment products, brokerage services, stock and bond accounts, 401(k) plans, variable and fixed annuities, 529 plans, direct mutual funds, and fixed income products. Headquartered in Coshocton, Ohio, with main and branch offices in Coshocton, West Lafayette, and Mount Vernon, it operates in the U.S. financial services sector targeting retail and commercial customers in its local markets. Incorporated in 1997, the company maintains a stable operational focus without reported major acquisitions, partnerships, funding rounds, product launches, or strategic shifts in the last 1-2 years.