HFBA (HFB Financial) Net Loan: $432.75 Mil (As of Dec. 2025)

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HFBA HFB Financial Corp HFBA
54 GF Score
Price $38.00
GF Value $36.39
Valuation Fairly Valued
! 5 Warning Signs
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What is HFB Financial Net Loan?

HFB Financial HFBA 54 Net Loan is $432.75 Mil as of Dec. 2025. GuruFocus rates HFBA with a GF Score™ of 54/100 and a GF Value™ of $36.39 (Fairly Valued). The stock has 5 warning signs investors should review.

HFB Financial's quarterly net loan increased from Dec. 2023 ($378.21 Mil) to Dec. 2024 ($429.99 Mil) and increased from Dec. 2024 ($429.99 Mil) to Dec. 2025 ($432.75 Mil).

HFB Financial's annual net loan increased from Dec. 2023 ($378.21 Mil) to Dec. 2024 ($429.99 Mil) and increased from Dec. 2024 ($429.99 Mil) to Dec. 2025 ($432.75 Mil).

HFB Financial Net Loan Historical Data

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The historical data trend for HFB Financial's Net Loan can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

HFB Financial Net Loan Chart

HFB Financial Annual Data
Trend Jun00 Jun01 Jun02 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Loan
Get a 7-Day Free Trial Premium Member Only Premium Member Only 304.04 349.73 378.21 429.99 432.75

HFB Financial Semi-Annual Data
Jun96 Jun97 Jun98 Jun99 Jun00 Jun01 Jun02 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Loan Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 304.04 349.73 378.21 429.99 432.75
HFBA
54GF Score
HFB Financial Corp HFBA
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
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HFB Financial Net Loan Calculation

Total loans on banks' book. These are the fund that banks have lent out. The loans contribute to banks' income. Some borrower of the loans may stop paying their payment. In this case, the loan is called non-performing loans.

Loans can be divided into residential loans, commercial loans or consumer loans. Peter Lynch loved

Frequently Asked Questions Learn more about Net Loan →
What does a Net Loan of $432.75 Mil mean?
HFB Financial (HFBA) has a Net Loan of $432.75 Mil as of Dec. 2025. The total net loans as recorded on a bank's balance sheet. View historical data on HFB Financial and its competitors.
Is HFB Financial's Net Loan too high?
HFB Financial's current Net Loan is $432.75 Mil. Overall, HFB Financial has a GF Score™ of 54/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does HFB Financial's Net Loan compare to HCBC and TMAK?
HFB Financial's Net Loan of $432.75 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Loan for a Banks company?
A good Net Loan depends on the Banks industry context. However, Net Loan should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Loan mean?
A high Net Loan can signal that a stock is expensive relative to its fundamentals. The total net loans as recorded on a bank's balance sheet. View historical data on HFB Financial and its competitors. HFB Financial's current Net Loan is $432.75 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is HFB Financial stock overvalued right now?
Based on GuruFocus' analysis, HFB Financial (HFBA) is currently considered Fairly Valued. The stock's GF Value™ is $36.39, compared to a current price of $38.00 — trading 4.4% above its estimated fair value. The current Net Loan is $432.75 Mil. HFB Financial's overall GF Score™ is 54/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Loan calculated?
Net Loan is calculated from a company's financial statements. For HFB Financial (HFBA), the current Net Loan is $432.75 Mil as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is HFB Financial (HFBA) Overvalued in 2026?

Based on GuruFocus' analysis, HFB Financial stock appears to be overvalued. The current stock price of $38.00 is trading 4.4% above its estimated GF Value™ of $36.39. GuruFocus considers HFB Financial to be Fairly Valued.

Key valuation signals for HFBA:

  • Net Loan: $432.75 Mil
  • GF Value™: $36.39 vs. price of $38.00 (4.4% above fair value)
  • GF Score™: 54/100 with 5 warning signs

No single metric tells the full story. See the HFBA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

HFB Financial Business Description

Address 1602 Cumberland Avenue, Middlesboro, KY, USA, 40965-1225
HFB Financial Corp is a United States-based company providing a full range of banking and financial services to individuals and corporate customers, mainly in Bell County, Kentucky, and surrounding areas in Tennessee and Virginia. It offers checking, savings, money market, certificates of deposit, health savings, and individual retirement accounts, along with overdraft and card services. The Company also provides loans, online banking, investment, and insurance-related services.
54GF Score

Get the complete analysis for HFBA

Net Loan is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$38.00
Price
$36.39
GF Value