Switch to:

GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 5/10

vs
industry
vs
history
Cash to Debt 0.59
HFBC's Cash to Debt is ranked higher than
69% of the 1365 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.30 vs. HFBC: 0.59 )
HFBC' s 10-Year Cash to Debt Range
Min: 0.08   Max: No Debt
Current: 0.59

Equity to Asset 0.11
HFBC's Equity to Asset is ranked higher than
78% of the 1753 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.09 vs. HFBC: 0.11 )
HFBC' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.28
Current: 0.11

0.07
0.28
Interest Coverage 0.42
HFBC's Interest Coverage is ranked higher than
53% of the 1622 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.27 vs. HFBC: 0.42 )
HFBC' s 10-Year Interest Coverage Range
Min: 0.09   Max: 0.74
Current: 0.42

0.09
0.74
F-Score: 5
Z-Score: 0.20
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry
vs
history
Operating margin (%) 9.21
HFBC's Operating margin (%) is ranked higher than
54% of the 1776 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 28.81 vs. HFBC: 9.21 )
HFBC' s 10-Year Operating margin (%) Range
Min: -343.07   Max: 60.53
Current: 9.21

-343.07
60.53
Net-margin (%) 8.76
HFBC's Net-margin (%) is ranked higher than
55% of the 1783 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.59 vs. HFBC: 8.76 )
HFBC' s 10-Year Net-margin (%) Range
Min: 5.33   Max: 369.16
Current: 8.76

5.33
369.16
ROE (%) 2.96
HFBC's ROE (%) is ranked higher than
56% of the 1790 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.54 vs. HFBC: 2.96 )
HFBC' s 10-Year ROE (%) Range
Min: 2.5   Max: 10.16
Current: 2.96

2.5
10.16
ROA (%) 0.30
HFBC's ROA (%) is ranked higher than
58% of the 1790 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.79 vs. HFBC: 0.30 )
HFBC' s 10-Year ROA (%) Range
Min: 0.2   Max: 1.29
Current: 0.3

0.2
1.29
ROC (Joel Greenblatt) (%) 13.48
HFBC's ROC (Joel Greenblatt) (%) is ranked higher than
56% of the 1757 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 72.81 vs. HFBC: 13.48 )
HFBC' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 9.16   Max: 368
Current: 13.48

9.16
368
Revenue Growth (%) -13.70
HFBC's Revenue Growth (%) is ranked higher than
55% of the 1555 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.20 vs. HFBC: -13.70 )
HFBC' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 30.6
Current: -13.7

0
30.6
EBITDA Growth (%) -25.10
HFBC's EBITDA Growth (%) is ranked higher than
55% of the 1398 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.70 vs. HFBC: -25.10 )
HFBC' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 35
Current: -25.1

0
35
EPS Growth (%) -19.50
HFBC's EPS Growth (%) is ranked higher than
57% of the 1407 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.90 vs. HFBC: -19.50 )
HFBC' s 10-Year EPS Growth (%) Range
Min: 0   Max: 30.7
Current: -19.5

0
30.7
» HFBC's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q2 2012

HFBC Guru Trades in Q2 2012

Chuck Royce 294,752 sh (-0.07%)
» More
Q3 2012

HFBC Guru Trades in Q3 2012

Chuck Royce 118,528 sh (-59.79%)
» More
Q4 2012

HFBC Guru Trades in Q4 2012

Chuck Royce 59,009 sh (-50.22%)
» More
Q1 2013

HFBC Guru Trades in Q1 2013

Chuck Royce Sold Out
» More
» Details

Insider Trades

Latest Guru Trades with HFBC

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)



No Guru Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 28.60
HFBC's P/E(ttm) is ranked higher than
61% of the 1927 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.50 vs. HFBC: 28.60 )
HFBC' s 10-Year P/E(ttm) Range
Min: 5.5   Max: 168.72
Current: 28.6

5.5
168.72
P/B 0.84
HFBC's P/B is ranked higher than
85% of the 1927 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.13 vs. HFBC: 0.84 )
HFBC' s 10-Year P/B Range
Min: 0.35   Max: 1.42
Current: 0.84

0.35
1.42
P/S 2.53
HFBC's P/S is ranked higher than
79% of the 1927 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.97 vs. HFBC: 2.53 )
HFBC' s 10-Year P/S Range
Min: 0.85   Max: 4.25
Current: 2.53

0.85
4.25
PFCF 12.93
HFBC's PFCF is ranked higher than
79% of the 1927 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 98.89 vs. HFBC: 12.93 )
HFBC' s 10-Year PFCF Range
Min: 3.66   Max: 196.44
Current: 12.93

3.66
196.44
EV-to-EBIT 34.08
HFBC's EV-to-EBIT is ranked higher than
62% of the 1927 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 17.23 vs. HFBC: 34.08 )
HFBC' s 10-Year EV-to-EBIT Range
Min: 8.6   Max: 525.4
Current: 34.08

8.6
525.4
Shiller P/E 19.69
HFBC's Shiller P/E is ranked higher than
80% of the 1927 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 27.04 vs. HFBC: 19.69 )
HFBC' s 10-Year Shiller P/E Range
Min: 5.94   Max: 21.88
Current: 19.69

5.94
21.88

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.42
HFBC's Dividend Yield is ranked lower than
72% of the 1505 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.44 vs. HFBC: 1.42 )
HFBC' s 10-Year Dividend Yield Range
Min: 0.7   Max: 5.87
Current: 1.42

0.7
5.87
Dividend Payout 0.41
HFBC's Dividend Payout is ranked higher than
68% of the 1927 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.47 vs. HFBC: 0.41 )
HFBC' s 10-Year Dividend Payout Range
Min: 0.06   Max: 1.11
Current: 0.41

0.06
1.11
Dividend growth (3y) -32.40
HFBC's Dividend growth (3y) is ranked higher than
60% of the 1053 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.60 vs. HFBC: -32.40 )
HFBC' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 43.2
Current: -32.4

0
43.2
Yield on cost (5-Year) 0.16
HFBC's Yield on cost (5-Year) is ranked lower than
94% of the 1518 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.80 vs. HFBC: 0.16 )
HFBC' s 10-Year Yield on cost (5-Year) Range
Min: 0.08   Max: 0.69
Current: 0.16

0.08
0.69
Share Buyback Rate -9.30
HFBC's Share Buyback Rate is ranked higher than
60% of the 1327 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.90 vs. HFBC: -9.30 )
HFBC' s 10-Year Share Buyback Rate Range
Min: 0   Max: -26.3
Current: -9.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.84
HFBC's Price/Tangible Book is ranked higher than
87% of the 1927 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.32 vs. HFBC: 0.84 )
HFBC' s 10-Year Price/Tangible Book Range
Min: 0.37   Max: 1.51
Current: 0.84

0.37
1.51
Price/DCF (Projected) 0.55
HFBC's Price/DCF (Projected) is ranked higher than
85% of the 1927 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.03 vs. HFBC: 0.55 )
HFBC' s 10-Year Price/DCF (Projected) Range
Min: 0.25   Max: 1
Current: 0.55

0.25
1
Price/Median PS Value 1.21
HFBC's Price/Median PS Value is ranked higher than
64% of the 1927 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.08 vs. HFBC: 1.21 )
HFBC' s 10-Year Price/Median PS Value Range
Min: 0.41   Max: 5.49
Current: 1.21

0.41
5.49
Price/Graham Number 1.04
HFBC's Price/Graham Number is ranked higher than
72% of the 1927 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.04 vs. HFBC: 1.04 )
HFBC' s 10-Year Price/Graham Number Range
Min: 0.42   Max: 2.19
Current: 1.04

0.42
2.19
Earnings Yield (Greenblatt) 2.90
HFBC's Earnings Yield (Greenblatt) is ranked higher than
55% of the 1692 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.00 vs. HFBC: 2.90 )
HFBC' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.2   Max: 11.7
Current: 2.9

0.2
11.7
Forward Rate of Return (Yacktman) -2.32
HFBC's Forward Rate of Return (Yacktman) is ranked higher than
54% of the 1423 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.24 vs. HFBC: -2.32 )
HFBC' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -9.2   Max: 31.8
Current: -2.32

-9.2
31.8

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:OCN, HOME, NYCB, PBCT, HCBK » details
HopFed Bancorp, Inc., was incorporated under the laws of the State of Delaware in May 1997. The Company serves as a savings and loan holding company of Heritage Bank (the 'Bank'). The Bank is a federally chartered stock savings bank operating in the states of Kentucky and Tennessee. The business of the Bank mainly consists of attracting deposits from the general public and investing such deposits in loans secured by single family residential real estate and investment securities, including U.S. Government and agency securities, municipal and corporate bonds, collateralized mortgages obligations, and mortgage-backed securities. The Bank also originates single-family residential/construction loans and multi-family and commercial real estate loans, as well as loans secured by deposits, other consumer loans and commercial loans. The Bank emphasizes the origination of residential real estate loans with adjustable interest rates and other assets, which are responsive to changes in interest rates and allow the bank to more closely match the interest rate maturation of its assets and liabilities. The Bank faces competition both in originating mortgage and other loans and in attracting deposits. It competes for loans mainly on the basis of interest rates, the types of loans it originates, the deposit products it offers and the quality of services it provides to borrowers. Its competition in originating real estate loans comes mainly from other savings institutions, commercial banks and mortgage bankers making loans secured by real estate located in the Bank's market area. Commercial banks, credit unions and finance companies provide vigorous competition in consumer lending. The Company is subject to examination, supervision, and comprehensive regulation by various federal agencies, including the Office of the Comptroller of the Currency and the Federal Deposit Insurance Corporation.
» More Articles for HFBC

Headlines

Articles On GuruFocus.com
Small Banks Can Lead to Big Dividends Mar 31 2014 
Smaller Could Be Bigger in Bank Stocks Dec 16 2013 
First and Always: Margin of Safety Oct 07 2013 
comment on HFBC Dec 22 2011 
HopFed Bancorp Inc. Reports Operating Results (10-Q) Nov 12 2010 
HopFed Bancorp Inc. Reports Operating Results (10-Q) Aug 12 2010 
HopFed Bancorp Inc. Reports Operating Results (10-Q) May 14 2010 
HopFed Bancorp Inc. Reports Operating Results (10-Q) Aug 14 2009 
HopFed Bancorp Inc. Reports Operating Results (10-Q) May 14 2009 

More From Other Websites
Exclusive: A Look Into HopFed Bancorp, Inc. With CEO John Peck Sep 15 2014
HOPFED BANCORP INC Files SEC form 8-K, Other Events, Financial Statements and Exhibits Sep 08 2014
HOPFED BANCORP INC Financials Aug 19 2014
HOPFED BANCORP INC Files SEC form 10-Q, Quarterly Report Aug 11 2014
HOPFED BANCORP INC Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Jul 31 2014
HopFed Bancorp, Inc. Reports Second Quarter Results Jul 31 2014
HOPFED BANCORP INC Files SEC form 8-K, Change in Directors or Principal Officers Jun 20 2014
HOPFED BANCORP INC Files SEC form 8-K, Submission of Matters to a Vote of Security Holders, Other... May 27 2014
Nasdaq stocks posting largest volume decreases May 19 2014
HOPFED BANCORP INC Files SEC form 10-Q, Quarterly Report May 09 2014
HOPFED BANCORP INC Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Apr 28 2014
HopFed Bancorp, Inc. Reports First Quarter Results Apr 25 2014
HOPFED BANCORP, INC. DECLARES QUARTERLY CASH DIVIDEND Mar 26 2014
HOPFED BANCORP INC Files SEC form 10-K, Annual Report Mar 14 2014
HopFed Shares Hit 52-Week High Mar 14 2014
U.S./Canada daily earnings hits & misses Jan 30- 1800 ET Jan 30 2014
HOPFED BANCORP INC Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Jan 30 2014
HopFed Bancorp, Inc. Reports Fourth Quarter Results Jan 30 2014
HOPFED BANCORP INC Files SEC form 8-K, Change in Directors or Principal Officers Jan 22 2014
HopFed Bancorp: 50%-80% Upside Potential With A Catalyst Already In Play Dec 22 2013

Personalized Checklist








Within your circle of competence?
Macro economic environment favorable?
High quality business?
Enough margin of safety with stocks?
Gurus are buying?
Insiders are buying?
Management capable and shareholder friendly?
Catalyst for stock price to appreciate?
Your level of confidence with the research?

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)
Free 7-day Trial
FEEDBACK