Home Loan Financial's earnings per share without non-recurring items for the
three
months ended in Mar. 2026 was $1.54.
Its earnings 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 earnings per share (NRI) Growth Rate was 21.80% per year.
During the past 3 years, the average earnings per share (NRI) Growth Rate was 20.00% per year.
During the past 5 years, the average earnings per share (NRI) Growth Rate was 14.50% per year.
During the past 10 years, the average earnings per share (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 Earnings per share without Non-Recurring Items (NRI) data.
The historical rank and industry rank for Home Loan Financial's EPS without NRI or its related term are showing as below:
HLFN'
s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -23.8 Med: 12.8 Max: 79.7
Current: 20
During the past 13 years, Home Loan Financial's highest 3-Year average Earnings Per Share (NRI) Growth Rate was 79.70% per year. The lowest was -23.80% per year. And the median was 12.80% per year.
HLFN's 3-Year EPS without NRI Growth Rate is ranked better than 76.82% of 1415
companies
in the Banks industry
Industry Median: 7.2
vs HLFN: 20.00
Home Loan Financial's EPS (Basic) for the
three
months ended in Mar. 2026 was $1.54.
Its EPS (Basic) for the trailing twelve months (TTM) ended in Mar. 2026 was $5.86.
Home Loan Financial (OTCPK:HLFN) EPS without NRI Explanation
EPS without NRI removes onetime and unusual items from EPS, to provide investors with a more accurate measure of the company’s true earnings. The earnings are adjusted for items that are irregular or unusual in nature, and/or are non-recurring. This is calculated using Net Income (Continuing Operations) plus/minus any tax affected unusual Items and Goodwill Impairments/Write Offs. This can be used to fairly measure a company's profitability.
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 without NRI Related Terms
Home Loan Financial EPS without NRI Historical Data
* Premium members only.
The historical data trend for Home Loan Financial's EPS without NRI 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.
HLFN vs FBVI, INFT, PGNN: EPS without NRI Comparison
For the Banks - Regional subindustry, Home Loan Financial's PE Ratio without NRI, along with its competitors' market caps and PE Ratio without NRI 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.
Home Loan Financial PE Ratio without NRI vs Banks Industry
For the Banks industry and Financial Services sector, Home Loan Financial's PE Ratio without NRI distribution charts can be found below:
* The bar in red indicates where Home Loan Financial's PE Ratio without NRI falls into.
Earnings Per Share (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.
Earnings Per Share without Non-Recurring Items is the amount of earnings without non-recurring items per outstanding share of the company's stock.
EPS without NRI 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.
Home Loan Financial (HLFN) has a EPS without NRI of $5.86 as of Mar. 2026. EPS without NRI represents per-share earnings excluding one-time charges. View historical data on Home Loan Financial and its competitors. According to the industry distribution chart, Home Loan Financial ranks #328 out of 1415 companies in the Banks industry, placing it in the top 23.2%.
Is Home Loan Financial's EPS without NRI too high?
Home Loan Financial's current EPS without NRI is $5.86. The Banks industry median EPS without NRI is 7.20. Home Loan Financial's value of $5.86 is 18.6% below this industry median. Based on the distribution chart, Home Loan Financial ranks #328 out of 1415 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 without NRI compare to FBVI and INFT?
According to the Banks industry distribution chart, Home Loan Financial ranks #328 out of 1415 companies for EPS without NRI. This places Home Loan Financial in the top 23% of its industry — outperforming the majority of peers. The industry median EPS without NRI is 7.20. Home Loan Financial's value of $5.86 is 18.6% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EPS without NRI for a Banks company?
The median EPS without NRI among Banks companies is 7.20, based on 1,415 companies in the industry. Companies in the top quartile (top 25%) have a EPS without NRI significantly above this median, while those in the bottom quartile fall well below. However, EPS without NRI should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Home Loan Financial's current EPS without NRI of $5.86 is 18.6% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EPS without NRI mean?
A high EPS without NRI can signal that a stock is expensive relative to its fundamentals. EPS without NRI represents per-share earnings excluding one-time charges. View historical data on Home Loan Financial and its competitors. For the Banks industry, the median EPS without NRI is 7.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Home Loan Financial's current EPS without NRI 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 $41.48, compared to a current price of $43.43 — trading 4.7% above its estimated fair value. The current EPS without NRI is $5.86 and 18.6% below the Banks industry median of 7.20. 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 without NRI calculated?
EPS without NRI is calculated from a company's financial statements. For Home Loan Financial (HLFN), the current EPS without NRI 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 4.7% above its estimated GF Value™ of $41.48.
GuruFocus considers Home Loan Financial to be Fairly Valued.
Key valuation signals for HLFN:
EPS without NRI: $5.86
GF Value™: $41.48 vs. price of $43.43 (4.7% above fair value)
Industry Position: 18.6% below the Banks median (#328 of 1415)
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 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
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EPS without NRI is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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