HMLN (Hamlin Bank and Trust Co) Net Loan: $300.33 Mil (As of Dec. 2025)

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HMLN Hamlin Bank and Trust Co HMLN
71 GF Score
Price $233.50
GF Value $275.86
Valuation Modestly Undervalued
! 4 Warning Signs
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What is Hamlin Bank and Trust Co Net Loan?

Hamlin Bank and Trust Co HMLN 71 Net Loan is $300.33 Mil as of Dec. 2025. GuruFocus rates HMLN with a GF Score™ of 71/100 and a GF Value™ of $275.86 (Modestly Undervalued). The stock has 4 warning signs investors should review.

Hamlin Bank and Trust Co's quarterly net loan increased from Dec. 2023 ($271.60 Mil) to Dec. 2024 ($287.60 Mil) and increased from Dec. 2024 ($287.60 Mil) to Dec. 2025 ($300.33 Mil).

Hamlin Bank and Trust Co's annual net loan increased from Dec. 2023 ($271.60 Mil) to Dec. 2024 ($287.60 Mil) and increased from Dec. 2024 ($287.60 Mil) to Dec. 2025 ($300.33 Mil).

Hamlin Bank and Trust Co Net Loan Historical Data

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The historical data trend for Hamlin Bank and Trust Co'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.

Hamlin Bank and Trust Co Net Loan Chart

Hamlin Bank and Trust Co Annual Data
Trend Dec04 Dec05 Dec06 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Loan
Get a 7-Day Free Trial Premium Member Only Premium Member Only 241.44 251.04 271.60 287.60 300.33

Hamlin Bank and Trust Co Semi-Annual Data
Dec02 Dec03 Dec04 Dec05 Dec06 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 241.44 251.04 271.60 287.60 300.33
HMLN
71GF Score
Hamlin Bank and Trust Co HMLN
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
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Hamlin Bank and Trust Co 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 $300.33 Mil mean?
Hamlin Bank and Trust Co (HMLN) has a Net Loan of $300.33 Mil as of Dec. 2025. The total net loans as recorded on a bank's balance sheet. View historical data on Hamlin Bank and Trust Co and its competitors.
Is Hamlin Bank and Trust Co's Net Loan too high?
Hamlin Bank and Trust Co's current Net Loan is $300.33 Mil. Overall, Hamlin Bank and Trust Co has a GF Score™ of 71/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Hamlin Bank and Trust Co's Net Loan compare to SOBS and BKOR?
Hamlin Bank and Trust Co's Net Loan of $300.33 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 Hamlin Bank and Trust Co and its competitors. Hamlin Bank and Trust Co's current Net Loan is $300.33 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Hamlin Bank and Trust Co stock overvalued right now?
Based on GuruFocus' analysis, Hamlin Bank and Trust Co (HMLN) is currently considered Modestly Undervalued. The stock's GF Value™ is $275.86, compared to a current price of $233.50 — trading 15.4% below its estimated fair value. The current Net Loan is $300.33 Mil. Hamlin Bank and Trust Co's overall GF Score™ is 71/100 with 4 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 Hamlin Bank and Trust Co (HMLN), the current Net Loan is $300.33 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 Hamlin Bank and Trust Co (HMLN) Overvalued in 2026?

Based on GuruFocus' analysis, Hamlin Bank and Trust Co stock appears to be undervalued. The current stock price of $233.50 is trading 15.4% below its estimated GF Value™ of $275.86. GuruFocus considers Hamlin Bank and Trust Co to be Modestly Undervalued.

Key valuation signals for HMLN:

  • Net Loan: $300.33 Mil
  • GF Value™: $275.86 vs. price of $233.50 (15.4% below fair value)
  • GF Score™: 71/100 with 4 warning signs

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

Hamlin Bank and Trust Co Business Description

Address 333 West Main Street, PO Box 367, Smethport, PA, USA, 16749
Hamlin Bank and Trust Co are a United States-based state charted commercial bank. It offers a variety of financial and trust services. The company provides services such as personal banking services, business banking services, trust services, and other banking services. The Banks principal sources of revenue emanate from its portfolio of residential real estate, commercial mortgage, commercial, and consumer loans, as well as interest on investment securities and a variety of deposit and trust services provided to its customers.
71GF Score

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

$233.50
Price
$275.86
GF Value