HLFN (Home Loan Financial) Moat Score: 3/10 (As of Jun. 29, 2026)


HLFN Home Loan Financial Corp HLFN
68 GF Score
Price $43.43
GF Value $41.35
Valuation Fairly Valued
! 5 Warning Signs
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What is Home Loan Financial Moat Score?

Home Loan Financial HLFN 68 Moat Score is 3 as of Jun. 29, 2026. GuruFocus rates HLFN with a GF Score™ of 68/100 and a GF Value™ of $41.35 (Fairly Valued). The stock has 5 warning signs investors should review. Among 1,614 Banks companies, Home Loan Financial ranks better than 74.54% on this metric.

Home Loan Financial has the Moat Score of 3, which implies that the company might have No Moat - Very weak/transient advantages.

Home Loan Financial has No Moat: Home Loan Financial Corp operates in a highly competitive financial services sector with limited market leadership and no significant customer switching costs. The company lacks strong brand strength, durable cost advantages, or significant regulatory barriers. Its competitive position is weak, with no discernible moat characteristics.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Home Loan Financial might have No Moat - Very weak/transient advantages.

Home Loan Financial  (OTCPK:HLFN) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Home Loan Financial Moat Score Related Terms

HLFN vs FBVI, INFT, PGNN: Moat Score Comparison

For the Banks - Regional subindustry, Home Loan Financial's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Home Loan Financial's Moat Score distribution charts can be found below:

* The bar in red indicates where Home Loan Financial's Moat Score falls into.


HLFN
68GF Score
Home Loan Financial Corp HLFN
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 3 mean?
Home Loan Financial (HLFN) has a Moat Score of 3 as of Jun. 29, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Home Loan Financial ranks #411 out of 1614 companies in the Banks industry, placing it in the top 25.5%.
Is Home Loan Financial's Moat Score too high?
Home Loan Financial's current Moat Score is 3. Based on the distribution chart, Home Loan Financial ranks #411 out of 1614 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 Moat Score compare to FBVI and INFT?
According to the Banks industry distribution chart, Home Loan Financial ranks #411 out of 1614 companies for Moat Score. This puts Home Loan Financial in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Home Loan Financial's current Moat Score is 3. 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 $41.35, compared to a current price of $43.43 — trading 5% above its estimated fair value. The current Moat Score is 3. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Home Loan Financial (HLFN), the current Moat Score is 3 as of Jun. 29, 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% above its estimated GF Value™ of $41.35. GuruFocus considers Home Loan Financial to be Fairly Valued.

Key valuation signals for HLFN:

  • Moat Score: 3
  • GF Value™: $41.35 vs. price of $43.43 (5% above fair value)
  • GF Score™: 68/100 with 5 warning signs

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 Business Description

Address 413 Main Street, Coshocton, OH, USA, 43812-1547
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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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$43.43
Price
$41.35
GF Value