HMLN (Hamlin Bank and Trust Co) LT-Debt-to-Total-Asset: 0.00 (As of Dec. 2025)

What is Hamlin Bank and Trust Co LT-Debt-to-Total-Asset?

Hamlin Bank and Trust Co HMLN 71 LT-Debt-to-Total-Asset is 0.00 as of Dec. 2025. GuruFocus rates HMLN with a GF Score™ of 71/100 and a GF Value™ of $273.56 (Modestly Undervalued). The stock has 3 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Hamlin Bank and Trust Co's long-term debt to total assests ratio for the quarter that ended in Dec. 2025 was 0.00.

Hamlin Bank and Trust Co's long-term debt to total assets ratio declined from Dec. 2023 (0.05) to Dec. 2025 (0.00). It may suggest that Hamlin Bank and Trust Co is progressively becoming less dependent on debt to grow their business.

Hamlin Bank and Trust Co (OTCPK:HMLN) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Hamlin Bank and Trust Co LT-Debt-to-Total-Asset Related Terms

Hamlin Bank and Trust Co LT-Debt-to-Total-Asset Historical Data

* Premium members only.

The historical data trend for Hamlin Bank and Trust Co's LT-Debt-to-Total-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.

Hamlin Bank and Trust Co LT-Debt-to-Total-Asset Chart

Hamlin Bank and Trust Co Annual Data

Trend

Dec04

Dec05

Dec06

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

LT-Debt-to-Total-Asset

Get a 7-Day Free Trial

0.00

0.05

0.01

0.00

Hamlin Bank and Trust Co Semi-Annual Data
	Dec02	Dec03	Dec04	Dec05	Dec06	Dec19	Dec20	Dec21	Dec22	Dec23	Dec24	Dec25
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial							0.00	0.00	0.05	0.01	0.00

71GF Score

Hamlin Bank and Trust Co HMLN

LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.

View Full Analysis

Hamlin Bank and Trust Co LT-Debt-to-Total-Asset Calculation

Hamlin Bank and Trust Co's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )	/	Total Assets (A: Dec. 2025 )
	=	0	/	481.273
	=	0.00

Hamlin Bank and Trust Co's Long-Term Debt to Total Asset Ratio for the quarter that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (Q: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (Q: Dec. 2025 )	/	Total Assets (Q: Dec. 2025 )
	=	0	/	481.273
	=	0.00

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.00 mean?

Hamlin Bank and Trust Co (HMLN) has a LT-Debt-to-Total-Asset of 0.00 as of Dec. 2025. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Hamlin Bank and Trust Co and its competitors.

Is Hamlin Bank and Trust Co's LT-Debt-to-Total-Asset too high?

Hamlin Bank and Trust Co's current LT-Debt-to-Total-Asset is 0.00. Overall, Hamlin Bank and Trust Co has a GF Score™ of 71/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.

How does Hamlin Bank and Trust Co's LT-Debt-to-Total-Asset compare to SOBS and BKOR?

Hamlin Bank and Trust Co's LT-Debt-to-Total-Asset of 0.00 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 LT-Debt-to-Total-Asset for a Banks company?

A good LT-Debt-to-Total-Asset depends on the Banks industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Hamlin Bank and Trust Co and its competitors. Hamlin Bank and Trust Co's current LT-Debt-to-Total-Asset 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 Hamlin Bank and Trust Co stock overvalued right now?

Based on GuruFocus' analysis, Hamlin Bank and Trust Co (HMLN) is currently considered Modestly Undervalued. The stock's GF Value™ is $273.56, compared to a current price of $240.00 — trading 12.3% below its estimated fair value. The current LT-Debt-to-Total-Asset is 0.00. Hamlin Bank and Trust Co's overall GF Score™ is 71/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.

How is LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Hamlin Bank and Trust Co (HMLN), the current LT-Debt-to-Total-Asset is 0.00 as of Dec. 2025. 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 Hamlin Bank and Trust Co (HMLN) Overvalued in 2026?

Based on GuruFocus' analysis, Hamlin Bank and Trust Co stock appears to be undervalued. The current stock price of $240.00 is trading 12.3% below its estimated GF Value™ of $273.56. GuruFocus considers Hamlin Bank and Trust Co to be Modestly Undervalued.

Key valuation signals for HMLN:

LT-Debt-to-Total-Asset: 0.00
GF Value™: $273.56 vs. price of $240.00 (12.3% below fair value)
GF Score™: 71/100 with 3 warning signs

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

Hamlin Bank and Trust Co Business Description

Industry Financial Services Banks

Comparable Companies SOBS BKOR EDVR FDSB MCBK IBTN SLRK CZBT KSBI UWHR SGX:D05 SHSE:600036 MIL:UCG XPAR:BNP NSE:HDFCBANK MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK NSE:SBIN

Address 333 West Main Street, PO Box 367, Smethport, PA, USA, 16749

Website https://www.hamlinbank.com

Hamlin Bank and Trust Co are a United States-based state charted commercial bank. It offers a variety of financial and trust services. The company provides services such as personal banking services, business banking services, trust services, and other banking services. The Banks principal sources of revenue emanate from its portfolio of residential real estate, commercial mortgage, commercial, and consumer loans, as well as interest on investment securities and a variety of deposit and trust services provided to its customers.

71GF Score

Get the complete analysis for HMLN

LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$240.00

Price

$273.56

GF Value

View HMLN Analysis

See LT-Debt-to-Total-Asset data for all stocks →