HFBA (HFB Financial) Debt-to-Asset : 0.00 (As of Dec. 2025)

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HFBA HFB Financial Corp HFBA
54 GF Score
Price $37.67
GF Value $36.70
Valuation Fairly Valued
! 5 Warning Signs
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What is HFB Financial Debt-to-Asset?

HFB Financial HFBA -0.52% 54 Debt-to-Asset is 0.00 as of Dec. 2025. GuruFocus rates HFBA with a GF Score™ of 54/100 and a GF Value™ of $36.70 (Fairly Valued). The stock has 5 warning signs investors should review.

HFB Financial's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2025 was $0.06 Mil. HFB Financial's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2025 was $0.06 Mil. HFB Financial's Long-Term Debt & Capital Lease ObligationTotal Assets for the quarter that ended in Dec. 2025 was $570.97 Mil. HFB Financial's debt to asset for the quarter that ended in Dec. 2025 was 0.00.

HFB Financial  (OTCPK:HFBA) Debt-to-Asset Explanation

In the calculation of Debt-to-Asset, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by Total Assets.

HFB Financial Debt-to-Asset Related Terms

HFB Financial Debt-to-Asset Historical Data

* Premium members only.

The historical data trend for HFB Financial's Debt-to-Asset 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 Debt-to-Asset Chart

HFB Financial Annual Data
Trend Dec02 Dec10 Dec11 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Debt-to-Asset
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.04 0.06 0.03 0.04 0.00

HFB Financial Semi-Annual Data
Jun97 Jun98 Jun99 Jun00 Jun01 Dec02 Dec10 Dec11 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Debt-to-Asset Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.04 0.06 0.03 0.04 0.00

HFBA vs OTTW, CYSM, BHDB: Debt-to-Asset Comparison

For the Banks - Regional subindustry, HFB Financial's Debt-to-Asset, along with its competitors' market caps and Debt-to-Asset data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

HFB Financial Debt-to-Asset vs Banks Industry

For the Banks industry and Financial Services sector, HFB Financial's Debt-to-Asset distribution charts can be found below:

* The bar in red indicates where HFB Financial's Debt-to-Asset falls into.


HFBA
54GF Score
HFB Financial Corp HFBA
Debt-to-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
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HFB Financial Debt-to-Asset Calculation

Debt to Asset measures the financial leverage a company has.

HFB Financial's Debt-to-Asset for the fiscal year that ended in Dec. 2025 is calculated as

Debt-to-Asset=Total Debt / Total Assets
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Assets
=(0.062 + 0.060144) / 570.972363
=0.00

HFB Financial's Debt-to-Asset for the quarter that ended in Dec. 2025 is calculated as

Debt-to-Asset=Total Debt / Total Assets
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Assets
=(0.062 + 0.060144) / 570.972363
=0.00

* 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.

Frequently Asked Questions Learn more about Debt-to-Asset →
What does a Debt-to-Asset of 0.00 mean?
HFB Financial (HFBA) has a Debt-to-Asset of 0.00 as of Dec. 2025. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on HFB Financial and its competitors.
Is HFB Financial's Debt-to-Asset too high?
HFB Financial's current Debt-to-Asset is 0.00. 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 Debt-to-Asset compare to OTTW and CYSM?
HFB Financial's Debt-to-Asset of 0.00 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 Debt-to-Asset for a Banks company?
A good Debt-to-Asset depends on the Banks industry context. However, Debt-to-Asset 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 Debt-to-Asset mean?
A high Debt-to-Asset can signal that a stock is expensive relative to its fundamentals. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on HFB Financial and its competitors. HFB Financial's current Debt-to-Asset is 0.00. 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 $36.70, compared to a current price of $37.67 — trading 2.6% above its estimated fair value. The current Debt-to-Asset is 0.00. 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 Debt-to-Asset calculated?
Debt-to-Asset is calculated from a company's financial statements. For HFB Financial (HFBA), the current Debt-to-Asset is 0.00 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 $37.67 is trading 2.6% above its estimated GF Value™ of $36.70. GuruFocus considers HFB Financial to be Fairly Valued.

Key valuation signals for HFBA:

  • Debt-to-Asset: 0.00
  • GF Value™: $36.70 vs. price of $37.67 (2.6% 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

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

$37.67
Price
$36.70
GF Value