HLFN (Home Loan Financial) EPS (Basic): $5.86 (TTM As of Mar. 2026)


HLFN Home Loan Financial Corp HLFN
68 GF Score
Price $43.43
GF Value $41.32
Valuation Fairly Valued
! 5 Warning Signs
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What is Home Loan Financial EPS (Basic)?

Home Loan Financial HLFN 68 EPS (Basic) is $5.86 as of Mar. 2026. GuruFocus rates HLFN with a GF Score™ of 68/100 and a GF Value™ of $41.32 (Fairly Valued). The stock has 5 warning signs investors should review.

Home Loan Financial's basic earnings per share (Basic EPS) for the three months ended in Mar. 2026 was $1.54. Its basic earnings per share (Basic EPS) for the trailing twelve months (TTM) ended in Mar. 2026 was $5.86.

Home Loan Financial's EPS (Diluted) for the three months ended in Mar. 2026 was $1.54. Its EPS (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 was $5.86.

Home Loan Financial's EPS without NRI for the three months ended in Mar. 2026 was $1.54. Its EPS without NRIearnings per share without non-recurring items for the trailing twelve months (TTM) ended in Mar. 2026 was 5.86.

During the past 12 months, Home Loan Financial's average EPS without NRIGrowth Rate was 21.80% per year. During the past 3 years, the average EPS without NRI Growth Rate was 20.00% per year. During the past 5 years, the average EPS without NRI Growth Rate was 14.50% per year. During the past 10 years, the average EPS without NRI Growth Rate was 23.30% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the EPS without NRI Growth Rate using EPS without NRI data.

During the past 13 years, Home Loan Financial's highest 3-Year average EPS without NRI Growth Rate was 79.70% per year. The lowest was -23.80% per year. And the median was 12.80% per year.

Home Loan Financial  (OTCPK:HLFN) EPS (Basic) Explanation

EPS is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists EPS without NRI, which better reflects the company's underlying performance.

Be Aware

Compared with Earnings per share, a company's cash flow is better indicator of the company's earnings power.

If a company's earnings per share is less than cash flow per share over long term, investors need to be cautious and find out why.

Home Loan Financial EPS (Basic) Related Terms

Home Loan Financial EPS (Basic) Historical Data

* Premium members only.

The historical data trend for Home Loan Financial's EPS (Basic) 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.

Home Loan Financial EPS (Basic) Chart

Home Loan Financial Annual Data
Trend Jun05 Jun06 Jun07 Jun19 Jun20 Jun21 Jun22 Jun23 Jun24 Jun25
EPS (Basic)
Get a 7-Day Free Trial Premium Member Only Premium Member Only 2.74 2.97 3.69 3.90 5.13

Home Loan Financial Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
EPS (Basic) 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 Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 1.16 1.42 1.38 1.52 1.54
HLFN
68GF Score
Home Loan Financial Corp HLFN
EPS (Basic) is just one metric. See GF Score™, valuation, warning signs, and more.
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Home Loan Financial EPS (Basic) Calculation

EPS (Basic) is a rough measurement of the amount of a company's profit that can be allocated to one share of its stock. Basic earnings per share (EPS) do not factor in the dilutive effects on convertible securities.

Home Loan Financial's Basic EPS for the fiscal year that ended in Jun. 2025 is calculated as

Basic EPS (A: Jun. 2025 )=(Net Income-Preferred Dividends)/Shares Outstanding (Basic Average)
=(7.217-0)/1.407
=5.13

Home Loan Financial's Basic EPS for the quarter that ended in Mar. 2026 is calculated as

Basic EPS (Q: Mar. 2026 )=(Net Income-Preferred Dividends)/Shares Outstanding (Basic Average)
=(2.173-0)/1.411
=1.54

EPS (Basic) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $5.86

* 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 EPS (Basic) →
What does a EPS (Basic) of $5.86 mean?
Home Loan Financial (HLFN) has a EPS (Basic) of $5.86 as of Mar. 2026. Earnings per share (basic) equals net income divided by the standard, non-diluted average shares outstanding. View historical data on Home Loan Financial and its competitors.
Is Home Loan Financial's EPS (Basic) too high?
Home Loan Financial's current EPS (Basic) is $5.86. Overall, Home Loan Financial has a GF Score™ of 68/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Home Loan Financial's EPS (Basic) compare to CBWA and ASRV?
Home Loan Financial's EPS (Basic) of $5.86 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 EPS (Basic) for a Banks company?
A good EPS (Basic) depends on the Banks industry context. However, EPS (Basic) 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 EPS (Basic) mean?
A high EPS (Basic) can signal that a stock is expensive relative to its fundamentals. Earnings per share (basic) equals net income divided by the standard, non-diluted average shares outstanding. View historical data on Home Loan Financial and its competitors. Home Loan Financial's current EPS (Basic) is $5.86. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Home Loan Financial stock overvalued right now?
Based on GuruFocus' analysis, Home Loan Financial (HLFN) is currently considered Fairly Valued. The stock's GF Value™ is $41.32, compared to a current price of $43.43 — trading 5.1% above its estimated fair value. The current EPS (Basic) is $5.86. Home Loan Financial's overall GF Score™ is 68/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EPS (Basic) calculated?
EPS (Basic) is calculated from a company's financial statements. For Home Loan Financial (HLFN), the current EPS (Basic) is $5.86 as of Mar. 2026. 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 Home Loan Financial (HLFN) Overvalued in 2026?

Based on GuruFocus' analysis, Home Loan Financial stock appears to be overvalued. The current stock price of $43.43 is trading 5.1% above its estimated GF Value™ of $41.32. GuruFocus considers Home Loan Financial to be Fairly Valued.

Key valuation signals for HLFN:

  • EPS (Basic): $5.86
  • GF Value™: $41.32 vs. price of $43.43 (5.1% above fair value)
  • GF Score™: 68/100 with 5 warning signs

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

Home Loan Financial Business Description

Address 413 Main Street, Coshocton, OH, USA, 43812-1547
Home Loan Financial Corp is an Ohio corporation providing insurance and investment services. its main business is originating permanent first-mortgage loans on one- to four-family residential real estate in Coshocton County, Ohio, with limited lending for residential construction, multifamily and nonresidential real estate, commercial loans, and consumer credits. It invests in interest-bearing deposits, U.S. Treasury and agency securities, mortgage-backed securities and other investments. Key deposit products are checking, savings and term certificates, and key lending products are residential and nonresidential mortgage, residential construction and land, commercial and consumer loans. Revenues are generated from financial products and services in its branch areas.
68GF Score

Get the complete analysis for HLFN

EPS (Basic) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$43.43
Price
$41.32
GF Value