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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 : 6/10

vs
industry
vs
history
Cash to Debt 1.21
HFBC's Cash to Debt is ranked lower than
60% of the 1610 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.14 vs. HFBC: 1.21 )
Ranked among companies with meaningful Cash to Debt only.
HFBC' s Cash to Debt Range Over the Past 10 Years
Min: 0.1  Med: 0.55 Max: No Debt
Current: 1.21
Equity to Asset 0.10
HFBC's Equity to Asset is ranked lower than
52% of the 1614 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. HFBC: 0.10 )
Ranked among companies with meaningful Equity to Asset only.
HFBC' s Equity to Asset Range Over the Past 10 Years
Min: 0.06  Med: 0.1 Max: 0.28
Current: 0.1
0.06
0.28
Interest Coverage 0.62
HFBC's Interest Coverage is ranked lower than
77% of the 1610 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.66 vs. HFBC: 0.62 )
Ranked among companies with meaningful Interest Coverage only.
HFBC' s Interest Coverage Range Over the Past 10 Years
Min: 0.09  Med: 0.29 Max: 0.62
Current: 0.62
0.09
0.62
F-Score: 7
WACC vs ROIC
6.29%
3.81%
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 : 7/10

vs
industry
vs
history
Operating margin (%) 9.50
HFBC's Operating margin (%) is ranked lower than
87% of the 1627 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 31.10 vs. HFBC: 9.50 )
Ranked among companies with meaningful Operating margin (%) only.
HFBC' s Operating margin (%) Range Over the Past 10 Years
Min: 5.94  Med: 11.11 Max: 22.12
Current: 9.5
5.94
22.12
Net-margin (%) 8.45
HFBC's Net-margin (%) is ranked lower than
85% of the 1625 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.46 vs. HFBC: 8.45 )
Ranked among companies with meaningful Net-margin (%) only.
HFBC' s Net-margin (%) Range Over the Past 10 Years
Min: 5.33  Med: 9.66 Max: 15.79
Current: 8.45
5.33
15.79
ROE (%) 3.30
HFBC's ROE (%) is ranked lower than
82% of the 1623 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.50 vs. HFBC: 3.30 )
Ranked among companies with meaningful ROE (%) only.
HFBC' s ROE (%) Range Over the Past 10 Years
Min: 1.19  Med: 2.96 Max: 7.62
Current: 3.3
1.19
7.62
ROA (%) 0.33
HFBC's ROA (%) is ranked lower than
80% of the 1632 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.90 vs. HFBC: 0.33 )
Ranked among companies with meaningful ROA (%) only.
HFBC' s ROA (%) Range Over the Past 10 Years
Min: 0.2  Med: 0.36 Max: 0.62
Current: 0.33
0.2
0.62
Revenue Growth (3Y)(%) 6.00
HFBC's Revenue Growth (3Y)(%) is ranked higher than
59% of the 1366 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 4.20 vs. HFBC: 6.00 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
HFBC' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -21.9  Med: 6 Max: 142.6
Current: 6
-21.9
142.6
EBITDA Growth (3Y)(%) -13.50
HFBC's EBITDA Growth (3Y)(%) is ranked lower than
88% of the 1264 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.20 vs. HFBC: -13.50 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
HFBC' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -33.2  Med: -7.05 Max: 35.2
Current: -13.5
-33.2
35.2
EPS Growth (3Y)(%) -2.00
HFBC's EPS Growth (3Y)(%) is ranked lower than
74% of the 1244 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.50 vs. HFBC: -2.00 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
HFBC' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 0 Max: 30.6
Current: -2
0
30.6
GuruFocus has detected 5 Warning Signs with HopFed Bancorp Inc $HFBC.
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» HFBC's 10-Y Financials

Financials


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

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Business Description

Industry: Banks » Savings & Cooperative Banks    NAICS: 522120    SIC: 6035
Compare:NAS:LSBK, AMEX:BKJ, NAS:FCAP, NAS:MSBF, OTCBB:NWIN, NAS:PBBI, OTCPK:SFDL, NAS:FSBK, NAS:KFFB, NAS:HMNF, NAS:IROQ, NAS:PBSK, NAS:UCBA, NAS:OFED, NAS:ANCB, OTCPK:GRRB, NAS:PBHC, NAS:MLVF, OTCPK:BHWB, NAS:HFBL » details
HopFed Bancorp Inc serves as a savings and loan holding company of Heritage Bank. The Bank attracts deposits from the general public and investing such deposits in loans secured by single family residential real estate and investment securities.

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.

Ratios

vs
industry
vs
history
P/E(ttm) 32.13
HFBC's P/E(ttm) is ranked lower than
91% of the 1585 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.23 vs. HFBC: 32.13 )
Ranked among companies with meaningful P/E(ttm) only.
HFBC' s P/E(ttm) Range Over the Past 10 Years
Min: 5.48  Med: 19.48 Max: 100
Current: 32.13
5.48
100
PE(NRI) 32.13
HFBC's PE(NRI) is ranked lower than
90% of the 1517 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.53 vs. HFBC: 32.13 )
Ranked among companies with meaningful PE(NRI) only.
HFBC' s PE(NRI) Range Over the Past 10 Years
Min: 5.49  Med: 19.48 Max: 100
Current: 32.13
5.49
100
Price/Owner Earnings (ttm) 61.89
HFBC's Price/Owner Earnings (ttm) is ranked lower than
94% of the 868 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.84 vs. HFBC: 61.89 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
HFBC' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 9.56  Med: 38.98 Max: 630.53
Current: 61.89
9.56
630.53
P/B 1.18
HFBC's P/B is ranked higher than
51% of the 1683 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.19 vs. HFBC: 1.18 )
Ranked among companies with meaningful P/B only.
HFBC' s P/B Range Over the Past 10 Years
Min: 0.35  Med: 0.85 Max: 1.22
Current: 1.18
0.35
1.22
P/S 2.74
HFBC's P/S is ranked higher than
63% of the 1674 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.44 vs. HFBC: 2.74 )
Ranked among companies with meaningful P/S only.
HFBC' s P/S Range Over the Past 10 Years
Min: 0.85  Med: 2.07 Max: 3.13
Current: 2.74
0.85
3.13
PFCF 14.38
HFBC's PFCF is ranked higher than
51% of the 868 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.80 vs. HFBC: 14.38 )
Ranked among companies with meaningful PFCF only.
HFBC' s PFCF Range Over the Past 10 Years
Min: 3.33  Med: 9.9 Max: 176.63
Current: 14.38
3.33
176.63
POCF 13.26
HFBC's POCF is ranked lower than
51% of the 933 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.53 vs. HFBC: 13.26 )
Ranked among companies with meaningful POCF only.
HFBC' s POCF Range Over the Past 10 Years
Min: 3.13  Med: 8.7 Max: 16.1
Current: 13.26
3.13
16.1
EV-to-EBIT 29.70
HFBC's EV-to-EBIT is ranked lower than
85% of the 1281 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.38 vs. HFBC: 29.70 )
Ranked among companies with meaningful EV-to-EBIT only.
HFBC' s EV-to-EBIT Range Over the Past 10 Years
Min: 8.6  Med: 24.6 Max: 1394.8
Current: 29.7
8.6
1394.8
EV-to-EBITDA 29.70
HFBC's EV-to-EBITDA is ranked lower than
88% of the 1295 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.35 vs. HFBC: 29.70 )
Ranked among companies with meaningful EV-to-EBITDA only.
HFBC' s EV-to-EBITDA Range Over the Past 10 Years
Min: 8.2  Med: 24.3 Max: 791.6
Current: 29.7
8.2
791.6
Shiller P/E 23.43
HFBC's Shiller P/E is ranked lower than
54% of the 489 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.50 vs. HFBC: 23.43 )
Ranked among companies with meaningful Shiller P/E only.
HFBC' s Shiller P/E Range Over the Past 10 Years
Min: 5.09  Med: 11.53 Max: 23.81
Current: 23.43
5.09
23.81

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.06
HFBC's Dividend Yield is ranked lower than
86% of the 2302 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.67 vs. HFBC: 1.06 )
Ranked among companies with meaningful Dividend Yield only.
HFBC' s Dividend Yield Range Over the Past 10 Years
Min: 0.7  Med: 2.94 Max: 5.87
Current: 1.06
0.7
5.87
Dividend Payout 0.40
HFBC's Dividend Payout is ranked lower than
61% of the 1292 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.33 vs. HFBC: 0.40 )
Ranked among companies with meaningful Dividend Payout only.
HFBC' s Dividend Payout Range Over the Past 10 Years
Min: 0.21  Med: 0.41 Max: 1.81
Current: 0.4
0.21
1.81
Dividend Growth (3y) 10.10
HFBC's Dividend Growth (3y) is ranked higher than
57% of the 766 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.70 vs. HFBC: 10.10 )
Ranked among companies with meaningful Dividend Growth (3y) only.
HFBC' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: 0 Max: 43.2
Current: 10.1
0
43.2
Forward Dividend Yield 1.07
HFBC's Forward Dividend Yield is ranked lower than
89% of the 2243 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.84 vs. HFBC: 1.07 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 1.28
HFBC's Yield on cost (5-Year) is ranked lower than
84% of the 2646 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.34 vs. HFBC: 1.28 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
HFBC' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.85  Med: 3.56 Max: 7.11
Current: 1.28
0.85
7.11
3-Year Average Share Buyback Ratio 3.40
HFBC's 3-Year Average Share Buyback Ratio is ranked higher than
95% of the 1063 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -2.10 vs. HFBC: 3.40 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
HFBC' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -26.2  Med: 0.4 Max: 3.5
Current: 3.4
-26.2
3.5

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.17
HFBC's Price/Tangible Book is ranked higher than
54% of the 1680 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.23 vs. HFBC: 1.17 )
Ranked among companies with meaningful Price/Tangible Book only.
HFBC' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.41  Med: 1 Max: 1.51
Current: 1.17
0.41
1.51
Price/Projected FCF 0.66
HFBC's Price/Projected FCF is ranked higher than
67% of the 911 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.84 vs. HFBC: 0.66 )
Ranked among companies with meaningful Price/Projected FCF only.
HFBC' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.32  Med: 0.58 Max: 0.9
Current: 0.66
0.32
0.9
Price/Median PS Value 1.32
HFBC's Price/Median PS Value is ranked lower than
66% of the 1545 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.16 vs. HFBC: 1.32 )
Ranked among companies with meaningful Price/Median PS Value only.
HFBC' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.43  Med: 1.23 Max: 4.24
Current: 1.32
0.43
4.24
Price/Graham Number 1.30
HFBC's Price/Graham Number is ranked lower than
72% of the 1465 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.95 vs. HFBC: 1.30 )
Ranked among companies with meaningful Price/Graham Number only.
HFBC' s Price/Graham Number Range Over the Past 10 Years
Min: 0.42  Med: 0.95 Max: 1.32
Current: 1.3
0.42
1.32
Earnings Yield (Greenblatt) (%) 3.38
HFBC's Earnings Yield (Greenblatt) (%) is ranked lower than
64% of the 1696 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.70 vs. HFBC: 3.38 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
HFBC' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.1  Med: 4.1 Max: 11.7
Current: 3.38
0.1
11.7
Forward Rate of Return (Yacktman) (%) -15.13
HFBC's Forward Rate of Return (Yacktman) (%) is ranked lower than
93% of the 893 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.05 vs. HFBC: -15.13 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
HFBC' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -19.7  Med: 1.5 Max: 17
Current: -15.13
-19.7
17

More Statistics

Revenue (TTM) (Mil) $34.36
EPS (TTM) $ 0.47
Beta0.08
Short Percentage of Float0.05%
52-Week Range $10.82 - 15.45
Shares Outstanding (Mil)6.72
» 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 
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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