HFB Financial (HFB Financial) Debt-to-Equity : 1.20 (As of Sep. 2003)

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What is HFB Financial Debt-to-Equity?

HFB Financial's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Sep. 2003 was $0.00 Mil. HFB Financial's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Sep. 2003 was $28.93 Mil. HFB Financial's Total Stockholders Equity for the quarter that ended in Sep. 2003 was $24.02 Mil. HFB Financial's debt to equity for the quarter that ended in Sep. 2003 was 1.20.

A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.

The historical rank and industry rank for HFB Financial's Debt-to-Equity or its related term are showing as below:

HFBA's Debt-to-Equity is not ranked ^*
in the Banks industry.
Industry Median: 0.65
* Ranked among companies with meaningful Debt-to-Equity only.

HFB Financial Debt-to-Equity Historical Data

The historical data trend for HFB Financial's Debt-to-Equity 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.

* Premium members only.

HFB Financial Debt-to-Equity Chart

HFB Financial Annual Data

Trend

Jun96

Jun97

Jun98

Jun99

Jun00

Jun01

Jun02

Debt-to-Equity

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0.71

1.01

0.77

0.66

0.94

HFB Financial Quarterly Data
	Jun96	Jun97	Jun98	Jun99	Dec99	Mar00	Jun00	Sep00	Dec00	Mar01	Jun01	Sep01	Dec01	Mar02	Jun02	Sep02	Dec02	Mar03	Jun03	Sep03
Debt-to-Equity	Get a 7-Day Free Trial															1.20	1.20	1.15	1.22	1.20

Competitive Comparison of HFB Financial's Debt-to-Equity

For the Banks - Regional subindustry, HFB Financial's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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's Debt-to-Equity Distribution in the Banks Industry

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

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

HFB Financial Debt-to-Equity Calculation

Debt to Equity measures the financial leverage a company has.

HFB Financial's Debt to Equity Ratio for the fiscal year that ended in Jun. 2002 is calculated as

Debt to Equity	=	Total Debt			/	Total Stockholders Equity
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	Total Stockholders Equity
	=	(0	+	20.726)	/	22.141
	=	0.94

HFB Financial's Debt to Equity Ratio for the quarter that ended in Sep. 2003 is calculated as

Debt to Equity	=	Total Debt			/	Total Stockholders Equity
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	Total Stockholders Equity
	=	(0	+	28.927)	/	24.016
	=	1.20

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

In the calculation of Debt to Equity, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by Total Stockholders Equity. In some calculations, Total Liabilities is used to for calculation.

Be Aware

Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.

HFB Financial Debt-to-Equity Related Terms

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HFB Financial (HFB Financial) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » HFB Financial Corp (OTCPK:HFBA) » Definitions » Debt-to-Equity

Comparable Companies

Traded in Other Exchanges

N/A

Address

1602 Cumberland Avenue, Middlesboro, KY, USA, 40965-1225

Website

https://www.hearthsidebank.com

HFB Financial Corp is a United States based company engaged in providing banking and financial services. The company offers checking accounts, saving accounts, money market accounts, certificates of deposit, health savings accounts, individual retirement accounts, overdrafts, and card facilities Further, it also offers loans, online banking, investment, and insurance-related services.

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