Home Loan FinancialHLFN 68 Median PS Value is $57.52 as of Jun. 24, 2026, which is 7889% above its 10-year median of 0.72. 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. Among 1,043 Banks companies, Home Loan Financial ranks better than 86.39% on this metric.
This valuation method assumes that the stock valuation will revert to its historical (10-Year) median in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
The historical rank and industry rank for Home Loan Financial's Median PS Value or its related term are showing as below:
HLFN'
s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.53 Med: 0.72 Max: 3.99
Current: 0.76
During the past 13 years, the highest Price to Median PS Value of Home Loan Financial was 3.99. The lowest was 0.53. And the median was 0.72.
HLFN's Price-to-Median-PS-Value is ranked better than 86.39% of 1043
companies
in the Banks industry
Industry Median: 1.09
vs HLFN: 0.76
Home Loan Financial (OTCPK:HLFN) Median PS Value Explanation
This valuation method assumes that the stock valuation will revert to its historical (10-Year) mean in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio
is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
It also assumes that over time the profit margin is constant. If a company increases its profit margin to a sustainable level, this value might under-estimate its value. If it has permanent declined profit margins, this may over-estimate the company's value.
Home Loan Financial's Price to Median PS Value for today is calculated as
Price to Median PS Value
=
Share Price
/
Median PS Value
=
43.43
/
57.52
=
0.76
* 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 Median PS Value Related Terms
Home Loan Financial Median PS Value Historical Data
* Premium members only.
The historical data trend for Home Loan Financial's Median PS Value 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 CBWA, ASRV, INFT: Median PS Value Comparison
For the Banks - Regional subindustry, Home Loan Financial's Price-to-Median-PS-Value, along with its competitors' market caps and Price-to-Median-PS-Value 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 Price-to-Median-PS-Value vs Banks Industry
For the Banks industry and Financial Services sector, Home Loan Financial's Price-to-Median-PS-Value distribution charts can be found below:
* The bar in red indicates where Home Loan Financial's Price-to-Median-PS-Value falls into.
10-Year Median PS Ratio is 4.0713.
Home Loan Financial's Revenue per Share 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 $14.128.
* 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 Median PS Value of $57.52 as of Jun. 24, 2026. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on Home Loan Financial and its competitors. This is 7889% above median its historical median of 0.72. Over the past decade, Home Loan Financial's Median PS Value has ranged from 0.53 to 3.99. According to the industry distribution chart, Home Loan Financial ranks #142 out of 1043 companies in the Banks industry, placing it in the top 13.6%.
Is Home Loan Financial's Median PS Value too high?
Home Loan Financial's current Median PS Value of $57.52 is 7889% above median its 10-year median of 0.72. Over the past 10 years, this metric has ranged from a low of 0.53 to a high of 3.99. The Banks industry median Median PS Value is 1.09. Home Loan Financial's value of $57.52 is 5177.1% above this industry median. Based on the distribution chart, Home Loan Financial ranks #142 out of 1043 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 Median PS Value compare to CBWA and ASRV?
According to the Banks industry distribution chart, Home Loan Financial ranks #142 out of 1043 companies for Median PS Value. This places Home Loan Financial in the top 14% of its industry — outperforming the majority of peers. The industry median Median PS Value is 1.09. Home Loan Financial's value of $57.52 is 5177.1% above this benchmark. Historically, Home Loan Financial's own Median PS Value has ranged from 0.53 to 3.99 over the past decade. While the company's 10-year median is 0.72 vs. the industry median of 1.09, 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 Median PS Value for a Banks company?
The median Median PS Value among Banks companies is 1.09, based on 1,043 companies in the industry. Companies in the top quartile (top 25%) have a Median PS Value significantly above this median, while those in the bottom quartile fall well below. However, Median PS Value should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Home Loan Financial's current Median PS Value of $57.52 is 5177.1% 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 Median PS Value mean?
A high Median PS Value can signal that a stock is expensive relative to its fundamentals. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on Home Loan Financial and its competitors. For the Banks industry, the median Median PS Value is 1.09 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Home Loan Financial's current Median PS Value is $57.52, which is 7889% above median its own 10-year median of 0.72. 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 Median PS Value is $57.52, which is 7889% above median its 10-year median of 0.72 and 5177.1% above the Banks industry median of 1.09. 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 Median PS Value calculated?
Median PS Value is calculated from a company's financial statements. For Home Loan Financial (HLFN), the current Median PS Value is $57.52 as of Jun. 24, 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:
Median PS Value: $57.52 (7889% above median its 10-year median of 0.72)
GF Value™: $41.32 vs. price of $43.43 (5.1% above fair value)
Industry Position: 5177.1% above the Banks median (#142 of 1043)
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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