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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 1.02
HFBC's Cash to Debt is ranked lower than
54% of the 984 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.36 vs. HFBC: 1.02 )
Ranked among companies with meaningful Cash to Debt only.
HFBC' s 10-Year Cash to Debt Range
Min: 0.08  Med: 0.26 Max: No Debt
Current: 1.02
Equity to Asset 0.10
HFBC's Equity to Asset is ranked higher than
50% of the 1355 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 10-Year Equity to Asset Range
Min: 0.07  Med: 0.10 Max: 0.28
Current: 0.1
0.07
0.28
Interest Coverage 0.23
HFBC's Interest Coverage is ranked lower than
91% of the 1272 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.60 vs. HFBC: 0.23 )
Ranked among companies with meaningful Interest Coverage only.
HFBC' s 10-Year Interest Coverage Range
Min: 0.09  Med: 0.38 Max: 0.74
Current: 0.23
0.09
0.74
F-Score: 6
WACC vs ROIC
7.64%
2.12%
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 (%) 6.01
HFBC's Operating margin (%) is ranked lower than
89% of the 1425 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.25 vs. HFBC: 6.01 )
Ranked among companies with meaningful Operating margin (%) only.
HFBC' s 10-Year Operating margin (%) Range
Min: -343.07  Med: 23.18 Max: 60.53
Current: 6.01
-343.07
60.53
Net-margin (%) 6.16
HFBC's Net-margin (%) is ranked lower than
88% of the 1425 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.01 vs. HFBC: 6.16 )
Ranked among companies with meaningful Net-margin (%) only.
HFBC' s 10-Year Net-margin (%) Range
Min: 5.33  Med: 17.18 Max: 369.16
Current: 6.16
5.33
369.16
ROE (%) 2.26
HFBC's ROE (%) is ranked lower than
86% of the 1427 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.44 vs. HFBC: 2.26 )
Ranked among companies with meaningful ROE (%) only.
HFBC' s 10-Year ROE (%) Range
Min: 1.19  Med: 5.94 Max: 10.16
Current: 2.26
1.19
10.16
ROA (%) 0.24
HFBC's ROA (%) is ranked lower than
85% of the 1436 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.87 vs. HFBC: 0.24 )
Ranked among companies with meaningful ROA (%) only.
HFBC' s 10-Year ROA (%) Range
Min: 0.2  Med: 0.62 Max: 1.29
Current: 0.24
0.2
1.29
Revenue Growth (3Y)(%) -3.40
HFBC's Revenue Growth (3Y)(%) is ranked lower than
75% of the 1215 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.10 vs. HFBC: -3.40 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
HFBC' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0  Med: 3.40 Max: 30.6
Current: -3.4
0
30.6
EBITDA Growth (3Y)(%) -12.80
HFBC's EBITDA Growth (3Y)(%) is ranked lower than
87% of the 1072 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.60 vs. HFBC: -12.80 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
HFBC' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: -4.00 Max: 35
Current: -12.8
0
35
EPS Growth (3Y)(%) 6.30
HFBC's EPS Growth (3Y)(%) is ranked lower than
61% of the 1070 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.60 vs. HFBC: 6.30 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
HFBC' s 10-Year EPS Growth (3Y)(%) Range
Min: 0  Med: 1.60 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) 36.20
HFBC's P/E(ttm) is ranked lower than
92% of the 1293 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.10 vs. HFBC: 36.20 )
Ranked among companies with meaningful P/E(ttm) only.
HFBC' s 10-Year P/E(ttm) Range
Min: 5.5  Med: 15.03 Max: 168.72
Current: 36.2
5.5
168.72
Forward P/E 17.18
HFBC's Forward P/E is ranked lower than
89% of the 714 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.85 vs. HFBC: 17.18 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 36.20
HFBC's PE(NRI) is ranked lower than
92% of the 1291 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.20 vs. HFBC: 36.20 )
Ranked among companies with meaningful PE(NRI) only.
HFBC' s 10-Year PE(NRI) Range
Min: 5.52  Med: 14.97 Max: 181.38
Current: 36.2
5.52
181.38
P/B 0.89
HFBC's P/B is ranked higher than
65% of the 1370 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.06 vs. HFBC: 0.89 )
Ranked among companies with meaningful P/B only.
HFBC' s 10-Year P/B Range
Min: 0.35  Med: 0.85 Max: 1.28
Current: 0.89
0.35
1.28
P/S 2.18
HFBC's P/S is ranked higher than
66% of the 1409 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.86 vs. HFBC: 2.18 )
Ranked among companies with meaningful P/S only.
HFBC' s 10-Year P/S Range
Min: 0.85  Med: 2.13 Max: 3.78
Current: 2.18
0.85
3.78
PFCF 14.76
HFBC's PFCF is ranked lower than
69% of the 863 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.51 vs. HFBC: 14.76 )
Ranked among companies with meaningful PFCF only.
HFBC' s 10-Year PFCF Range
Min: 3.66  Med: 9.99 Max: 196.44
Current: 14.76
3.66
196.44
POCF 9.79
HFBC's POCF is ranked lower than
55% of the 956 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.00 vs. HFBC: 9.79 )
Ranked among companies with meaningful POCF only.
HFBC' s 10-Year POCF Range
Min: 3.45  Med: 8.78 Max: 16.05
Current: 9.79
3.45
16.05
EV-to-EBIT 36.41
HFBC's EV-to-EBIT is ranked lower than
87% of the 1284 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.41 vs. HFBC: 36.41 )
Ranked among companies with meaningful EV-to-EBIT only.
HFBC' s 10-Year EV-to-EBIT Range
Min: 8.6  Med: 24.10 Max: 525.4
Current: 36.41
8.6
525.4
Shiller P/E 25.32
HFBC's Shiller P/E is ranked lower than
80% of the 786 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.81 vs. HFBC: 25.32 )
Ranked among companies with meaningful Shiller P/E only.
HFBC' s 10-Year Shiller P/E Range
Min: 5.94  Med: 13.63 Max: 28.93
Current: 25.32
5.94
28.93
Days Sales Outstanding 40.33
HFBC's Days Sales Outstanding is ranked lower than
58% of the 795 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 34.20 vs. HFBC: 40.33 )
Ranked among companies with meaningful Days Sales Outstanding only.
HFBC' s 10-Year Days Sales Outstanding Range
Min: 28.24  Med: 62.85 Max: 788.61
Current: 40.33
28.24
788.61

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.45
HFBC's Dividend Yield is ranked lower than
78% of the 2258 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.76 vs. HFBC: 1.45 )
Ranked among companies with meaningful Dividend Yield only.
HFBC' s 10-Year Dividend Yield Range
Min: 0.7  Med: 2.99 Max: 5.87
Current: 1.45
0.7
5.87
Dividend Payout 0.51
HFBC's Dividend Payout is ranked lower than
75% of the 1330 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.33 vs. HFBC: 0.51 )
Ranked among companies with meaningful Dividend Payout only.
HFBC' s 10-Year Dividend Payout Range
Min: 0.06  Med: 0.42 Max: 1.11
Current: 0.51
0.06
1.11
Dividend growth (3y) -6.70
HFBC's Dividend growth (3y) is ranked lower than
79% of the 674 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.40 vs. HFBC: -6.70 )
Ranked among companies with meaningful Dividend growth (3y) only.
HFBC' s 10-Year Dividend growth (3y) Range
Min: 0  Med: 0.00 Max: 43.2
Current: -6.7
0
43.2
Yield on cost (5-Year) 0.36
HFBC's Yield on cost (5-Year) is ranked lower than
97% of the 2253 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.23 vs. HFBC: 0.36 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
HFBC' s 10-Year Yield on cost (5-Year) Range
Min: 0.18  Med: 0.75 Max: 1.47
Current: 0.36
0.18
1.47
Share Buyback Rate 0.70
HFBC's Share Buyback Rate is ranked higher than
86% of the 1013 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.90 vs. HFBC: 0.70 )
Ranked among companies with meaningful Share Buyback Rate only.
HFBC' s 10-Year Share Buyback Rate Range
Min: 0  Med: 0.50 Max: -26.3
Current: 0.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.88
HFBC's Price/Tangible Book is ranked higher than
68% of the 1347 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.13 vs. HFBC: 0.88 )
Ranked among companies with meaningful Price/Tangible Book only.
HFBC' s 10-Year Price/Tangible Book Range
Min: 0.37  Med: 1.00 Max: 1.51
Current: 0.88
0.37
1.51
Price/Projected FCF 0.50
HFBC's Price/Projected FCF is ranked higher than
68% of the 805 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.65 vs. HFBC: 0.50 )
Ranked among companies with meaningful Price/Projected FCF only.
HFBC' s 10-Year Price/Projected FCF Range
Min: 0.26  Med: 0.58 Max: 1.02
Current: 0.5
0.26
1.02
Price/Median PS Value 1.02
HFBC's Price/Median PS Value is ranked higher than
52% of the 1310 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.04 vs. HFBC: 1.02 )
Ranked among companies with meaningful Price/Median PS Value only.
HFBC' s 10-Year Price/Median PS Value Range
Min: 0.4  Med: 1.23 Max: 5.39
Current: 1.02
0.4
5.39
Price/Graham Number 1.18
HFBC's Price/Graham Number is ranked lower than
81% of the 1181 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.82 vs. HFBC: 1.18 )
Ranked among companies with meaningful Price/Graham Number only.
HFBC' s 10-Year Price/Graham Number Range
Min: 0.42  Med: 0.89 Max: 2.19
Current: 1.18
0.42
2.19
Earnings Yield (Greenblatt) (%) 2.71
HFBC's Earnings Yield (Greenblatt) (%) is ranked lower than
78% of the 1408 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.80 vs. HFBC: 2.71 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
HFBC' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.2  Med: 4.10 Max: 11.7
Current: 2.71
0.2
11.7
Forward Rate of Return (Yacktman) (%) -10.53
HFBC's Forward Rate of Return (Yacktman) (%) is ranked lower than
87% of the 792 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.82 vs. HFBC: -10.53 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
HFBC' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -11.7  Med: 1.70 Max: 25.8
Current: -10.53
-11.7
25.8

Analyst Estimate

Dec15
EPS($) 0.68
EPS without NRI($) 0.68

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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