The historical rank and industry rank for Home Loan Financial's FCF Margin % or its related term are showing as below:
HLFN'
s FCF Margin % Range Over the Past 10 Years
Min: 16.12 Med: 43.17 Max: 48.26
Current: 41.5
During the past 13 years, the highest FCF Margin % of Home Loan Financial was 48.26%. The lowest was 16.12%. And the median was 43.17%.
HLFN's FCF Margin % is ranked better than 70.17% of 1505
companies
in the Banks industry
Industry Median: 26.42
vs HLFN: 41.50
Home Loan Financial FCF Margin % Related Terms
Home Loan Financial FCF Margin % Historical Data
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The historical data trend for Home Loan Financial's FCF Margin % 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.
For the Banks - Regional subindustry, Home Loan Financial's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Home Loan Financial's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Home Loan Financial's FCF Margin % falls into.
* 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 FCF Margin % of 0.00% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Home Loan Financial and its competitors. Over the past decade, Home Loan Financial's FCF Margin % has ranged from 16.12 to 48.26. According to the industry distribution chart, Home Loan Financial ranks #449 out of 1505 companies in the Banks industry, placing it in the top 29.8%.
Is Home Loan Financial's FCF Margin % too high?
Home Loan Financial's current FCF Margin % is 0.00%. Over the past 10 years, this metric has ranged from a low of 16.12 to a high of 48.26. Based on the distribution chart, Home Loan Financial ranks #449 out of 1505 companies in the Banks industry, which is above the industry midpoint. 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 FCF Margin % compare to CBWA and ASRV?
According to the Banks industry distribution chart, Home Loan Financial ranks #449 out of 1505 companies for FCF Margin %. This puts Home Loan Financial in the upper half of its industry. The industry median FCF Margin % is 26.42. Historically, Home Loan Financial's own FCF Margin % has ranged from 16.12 to 48.26 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.42, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Home Loan Financial and its competitors. For the Banks industry, the median FCF Margin % is 26.42 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Home Loan Financial's current FCF Margin % 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 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 FCF Margin % is 0.00%. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Home Loan Financial (HLFN), the current FCF Margin % is 0.00% 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:
FCF Margin %: 0.00%
GF Value™: $41.32 vs. price of $43.43 (5.1% above fair value)
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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FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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