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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 : 4/10

vs
industry
vs
history
Cash to Debt 1.22
HFBC's Cash to Debt is ranked higher than
70% of the 1748 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.86 vs. HFBC: 1.22 )
HFBC' s 10-Year Cash to Debt Range
Min: 0.08   Max: No Debt
Current: 1.22

Equity to Asset 0.10
HFBC's Equity to Asset is ranked higher than
69% of the 2312 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.09 vs. HFBC: 0.10 )
HFBC' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.28
Current: 0.1

0.07
0.28
Interest Coverage 0.23
HFBC's Interest Coverage is ranked higher than
50% of the 2185 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.17 vs. HFBC: 0.23 )
HFBC' s 10-Year Interest Coverage Range
Min: 0.09   Max: 0.74
Current: 0.23

0.09
0.74
F-Score: 7
Z-Score: 0.22
WACC vs ROIC
9.72%
2.98%
WACC
ROIC
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 (%) 10.15
HFBC's Operating margin (%) is ranked higher than
53% of the 2426 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.22 vs. HFBC: 10.15 )
HFBC' s 10-Year Operating margin (%) Range
Min: -343.07   Max: 60.53
Current: 10.15

-343.07
60.53
Net-margin (%) 9.09
HFBC's Net-margin (%) is ranked higher than
54% of the 2426 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.12 vs. HFBC: 9.09 )
HFBC' s 10-Year Net-margin (%) Range
Min: 5.33   Max: 369.16
Current: 9.09

5.33
369.16
ROE (%) 3.29
HFBC's ROE (%) is ranked higher than
55% of the 2426 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.98 vs. HFBC: 3.29 )
HFBC' s 10-Year ROE (%) Range
Min: 2.27   Max: 10.16
Current: 3.29

2.27
10.16
ROA (%) 0.34
HFBC's ROA (%) is ranked higher than
56% of the 2433 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.80 vs. HFBC: 0.34 )
HFBC' s 10-Year ROA (%) Range
Min: 0.2   Max: 1.29
Current: 0.34

0.2
1.29
ROC (Joel Greenblatt) (%) 15.52
HFBC's ROC (Joel Greenblatt) (%) is ranked higher than
54% of the 2392 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 89.92 vs. HFBC: 15.52 )
HFBC' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 8.68   Max: 368
Current: 15.52

8.68
368
Revenue Growth (3Y)(%) -3.40
HFBC's Revenue Growth (3Y)(%) is ranked higher than
61% of the 2094 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.20 vs. HFBC: -3.40 )
HFBC' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0   Max: 30.6
Current: -3.4

0
30.6
EBITDA Growth (3Y)(%) -12.80
HFBC's EBITDA Growth (3Y)(%) is ranked higher than
54% of the 1872 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.10 vs. HFBC: -12.80 )
HFBC' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 35
Current: -12.8

0
35
EPS Growth (3Y)(%) 6.30
HFBC's EPS Growth (3Y)(%) is ranked higher than
70% of the 1904 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.20 vs. HFBC: 6.30 )
HFBC' s 10-Year EPS Growth (3Y)(%) Range
Min: 0   Max: 30.7
Current: 6.3

0
30.7
» HFBC's 10-Y Financials

Financials


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

» Details

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Ratios

vs
industry
vs
history
P/E(ttm) 28.60
HFBC's P/E(ttm) is ranked higher than
65% of the 3227 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 18.40 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
Forward P/E 17.18
HFBC's Forward P/E is ranked higher than
73% of the 3227 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. HFBC: 17.18 )
N/A
PE(NRI) 28.30
HFBC's PE(NRI) is ranked higher than
67% of the 3227 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 18.40 vs. HFBC: 28.30 )
HFBC' s 10-Year PE(NRI) Range
Min: 5.52   Max: 181.38
Current: 28.3

5.52
181.38
P/B 1.01
HFBC's P/B is ranked higher than
80% of the 3227 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.40 vs. HFBC: 1.01 )
HFBC' s 10-Year P/B Range
Min: 0.35   Max: 1.35
Current: 1.01

0.35
1.35
P/S 2.63
HFBC's P/S is ranked higher than
76% of the 3227 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.73 vs. HFBC: 2.63 )
HFBC' s 10-Year P/S Range
Min: 0.85   Max: 3.87
Current: 2.63

0.85
3.87
PFCF 11.15
HFBC's PFCF is ranked higher than
84% of the 3227 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. HFBC: 11.15 )
HFBC' s 10-Year PFCF Range
Min: 3.66   Max: 196.44
Current: 11.15

3.66
196.44
POCF 9.45
HFBC's POCF is ranked higher than
85% of the 3227 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 194.36 vs. HFBC: 9.45 )
HFBC' s 10-Year POCF Range
Min: 3.45   Max: 16.05
Current: 9.45

3.45
16.05
EV-to-EBIT 23.84
HFBC's EV-to-EBIT is ranked higher than
68% of the 3227 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 20.17 vs. HFBC: 23.84 )
HFBC' s 10-Year EV-to-EBIT Range
Min: 8.6   Max: 525.4
Current: 23.84

8.6
525.4
Shiller P/E 27.10
HFBC's Shiller P/E is ranked higher than
78% of the 3226 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. HFBC: 27.10 )
HFBC' s 10-Year Shiller P/E Range
Min: 6   Max: 27.31
Current: 27.1

6
27.31
Days Sales Outstanding 43.84
HFBC's Days Sales Outstanding is ranked higher than
86% of the 3227 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. HFBC: 43.84 )
HFBC' s 10-Year Days Sales Outstanding Range
Min: 28.24   Max: 788.61
Current: 43.84

28.24
788.61

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.23
HFBC's Dividend Yield is ranked lower than
77% of the 2288 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.49 vs. HFBC: 1.23 )
HFBC' s 10-Year Dividend Yield Range
Min: 0.7   Max: 5.87
Current: 1.23

0.7
5.87
Dividend Payout 0.36
HFBC's Dividend Payout is ranked higher than
78% of the 3227 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.69 vs. HFBC: 0.36 )
HFBC' s 10-Year Dividend Payout Range
Min: 0.06   Max: 1.11
Current: 0.36

0.06
1.11
Dividend growth (3y) -6.70
HFBC's Dividend growth (3y) is ranked higher than
64% of the 1377 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.10 vs. HFBC: -6.70 )
HFBC' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 43.2
Current: -6.7

0
43.2
Yield on cost (5-Year) 0.30
HFBC's Yield on cost (5-Year) is ranked lower than
92% of the 2296 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.82 vs. HFBC: 0.30 )
HFBC' s 10-Year Yield on cost (5-Year) Range
Min: 0.18   Max: 1.47
Current: 0.3

0.18
1.47
Share Buyback Rate 0.70
HFBC's Share Buyback Rate is ranked higher than
89% of the 1722 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.70 vs. HFBC: 0.70 )
HFBC' s 10-Year Share Buyback Rate Range
Min: 0   Max: -26.3
Current: 0.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.01
HFBC's Price/Tangible Book is ranked higher than
83% of the 3227 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.66 vs. HFBC: 1.01 )
HFBC' s 10-Year Price/Tangible Book Range
Min: 0.37   Max: 1.51
Current: 1.01

0.37
1.51
Price/DCF (Projected) 0.60
HFBC's Price/DCF (Projected) is ranked higher than
89% of the 3227 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. HFBC: 0.60 )
HFBC' s 10-Year Price/DCF (Projected) Range
Min: 0.26   Max: 1.07
Current: 0.6

0.26
1.07
Price/Median PS Value 1.24
HFBC's Price/Median PS Value is ranked higher than
70% of the 3227 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.30 vs. HFBC: 1.24 )
HFBC' s 10-Year Price/Median PS Value Range
Min: 0.4   Max: 5.39
Current: 1.24

0.4
5.39
Price/Graham Number 1.13
HFBC's Price/Graham Number is ranked higher than
71% of the 3227 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.20 vs. HFBC: 1.13 )
HFBC' s 10-Year Price/Graham Number Range
Min: 0.42   Max: 2.19
Current: 1.13

0.42
2.19
Earnings Yield (Greenblatt) 4.20
HFBC's Earnings Yield (Greenblatt) is ranked higher than
60% of the 2417 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.50 vs. HFBC: 4.20 )
HFBC' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.2   Max: 11.7
Current: 4.2

0.2
11.7
Forward Rate of Return (Yacktman) -9.80
HFBC's Forward Rate of Return (Yacktman) is ranked higher than
54% of the 1444 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.67 vs. HFBC: -9.80 )
HFBC' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -9.8   Max: 25.8
Current: -9.8

-9.8
25.8

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 or 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 

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