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Home Loan FinancialHLFN -0.02%71 Equity-to-Asset is 0.13 as of Jun. 2026, which is at its 10-year median of 0.13. GuruFocus rates HLFN with a GF Score™ of 71/100 and a GF Value™ of $41.95 (Fairly Valued). The stock has 1 warning sign investors should review. Among 1,525 Banks companies, Home Loan Financial ranks better than 78.23% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. Home Loan Financial's Total Stockholders Equity for the quarter that ended in Jun. 2026 was $49.62 Mil. Home Loan Financial's Total Assets for the quarter that ended in Jun. 2026 was $386.66 Mil.
Therefore, Home Loan Financial's Equity to Asset Ratio for the quarter that ended in Jun. 2026 was 0.13.
The historical rank and industry rank for Home Loan Financial's Equity-to-Asset or its related term are showing as below:
HLFN'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.12 Med: 0.13 Max: 0.14
Current: 0.13
During the past 13 years, the highest Equity to Asset Ratio of Home Loan Financial was 0.14. The lowest was 0.12. And the median was 0.13.
HLFN's Equity-to-Asset is ranked better than 78.23% of 1525
companies
in the Banks industry
Industry Median: 0.1
vs HLFN: 0.13
Home Loan Financial (OTCPK:HLFN) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Home Loan Financial Equity-to-Asset Related Terms
Home Loan Financial Equity-to-Asset Historical Data
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The historical data trend for Home Loan Financial's Equity-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.
HLFN vs RWCB, CEFC, FFBW: Equity-to-Asset Comparison
For the Banks - Regional subindustry, Home Loan Financial's Equity-to-Asset, along with its competitors' market caps and Equity-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.
Home Loan Financial Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Home Loan Financial's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Home Loan Financial's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Home Loan Financial's Equity to Asset Ratio for the fiscal year that ended in Jun. 2026 is calculated as
* 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 Equity-to-Asset of 0.13 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Home Loan Financial and its competitors. This is near median its historical median of 0.13. Over the past decade, Home Loan Financial's Equity-to-Asset has ranged from 0.12 to 0.14. According to the industry distribution chart, Home Loan Financial ranks #332 out of 1525 companies in the Banks industry, placing it in the top 21.8%.
Is Home Loan Financial's Equity-to-Asset too high?
Home Loan Financial's current Equity-to-Asset of 0.13 is near median its 10-year median of 0.13. Over the past 10 years, this metric has ranged from a low of 0.12 to a high of 0.14. The Banks industry median Equity-to-Asset is 0.10. Home Loan Financial's value of 0.13 is 30% above this industry median. Based on the distribution chart, Home Loan Financial ranks #332 out of 1525 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 71/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Home Loan Financial's Equity-to-Asset compare to RWCB and CEFC?
According to the Banks industry distribution chart, Home Loan Financial ranks #332 out of 1525 companies for Equity-to-Asset. This places Home Loan Financial in the top 22% of its industry — outperforming the majority of peers. The industry median Equity-to-Asset is 0.10. Home Loan Financial's value of 0.13 is 30% above this benchmark. Historically, Home Loan Financial's own Equity-to-Asset has ranged from 0.12 to 0.14 over the past decade. While the company's 10-year median is 0.13 vs. the industry median of 0.10, Home Loan Financial has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,525 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Home Loan Financial's current Equity-to-Asset of 0.13 is 30% above 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Home Loan Financial and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Home Loan Financial's current Equity-to-Asset is 0.13, which is near median its own 10-year median of 0.13. 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 $41.95, compared to a current price of $44.10 — trading 5.1% above its estimated fair value. The current Equity-to-Asset is 0.13, which is near median its 10-year median of 0.13 and 30% above the Banks industry median of 0.10. Home Loan Financial's overall GF Score™ is 71/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Home Loan Financial (HLFN), the current Equity-to-Asset is 0.13 as of Jun. 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 $44.10 is trading 5.1% above its estimated GF Value™ of $41.95.
GuruFocus considers Home Loan Financial to be Fairly Valued.
Key valuation signals for HLFN:
Equity-to-Asset: 0.13 (near median its 10-year median of 0.13)
GF Value™: $41.95 vs. price of $44.10 (5.1% above fair value)
Industry Position: 30% above the Banks median (#332 of 1525)
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.
71GF Score
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