Home Loan FinancialHLFN 68 Net Margin % is 41.88% as of Mar. 2026, which is 20% above its 10-year median of 34.89. 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 1,527 Banks companies, Home Loan Financial ranks better than 86.71% on this metric.
The historical rank and industry rank for Home Loan Financial's Net Margin % or its related term are showing as below:
HLFN'
s Net Margin % Range Over the Past 10 Years
Min: 11.52 Med: 34.89 Max: 41.49
Current: 41.49
HLFN's Net Margin % is ranked better than 86.71% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs HLFN: 41.49
Home Loan Financial (OTCPK:HLFN) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Home Loan Financial Net Margin % Related Terms
Home Loan Financial Net Margin % Historical Data
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The historical data trend for Home Loan Financial's Net 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 Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Home Loan Financial's Net Margin % distribution charts can be found below:
* The bar in red indicates where Home Loan Financial's Net 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 Net Margin % of 41.88% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Home Loan Financial and its competitors. This is 20% above median its historical median of 34.89. Over the past decade, Home Loan Financial's Net Margin % has ranged from 11.52 to 41.49. According to the industry distribution chart, Home Loan Financial ranks #203 out of 1527 companies in the Banks industry, placing it in the top 13.3%.
Is Home Loan Financial's Net Margin % too high?
Home Loan Financial's current Net Margin % of 41.88% is 20% above median its 10-year median of 34.89. Over the past 10 years, this metric has ranged from a low of 11.52 to a high of 41.49. The Banks industry median Net Margin % is 26.95. Home Loan Financial's value of 41.88% is 55.4% above this industry median. Based on the distribution chart, Home Loan Financial ranks #203 out of 1527 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 Net Margin % compare to CBWA and ASRV?
According to the Banks industry distribution chart, Home Loan Financial ranks #203 out of 1527 companies for Net Margin %. This places Home Loan Financial in the top 13% of its industry — outperforming the majority of peers. The industry median Net Margin % is 26.95. Home Loan Financial's value of 41.88% is 55.4% above this benchmark. Historically, Home Loan Financial's own Net Margin % has ranged from 11.52 to 41.49 over the past decade. While the company's 10-year median is 34.89 vs. the industry median of 26.95, 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.95, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Home Loan Financial's current Net Margin % of 41.88% is 55.4% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Home Loan Financial and its competitors. For the Banks industry, the median Net Margin % is 26.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Home Loan Financial's current Net Margin % is 41.88%, which is 20% above median its own 10-year median of 34.89. 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 Net Margin % is 41.88%, which is 20% above median its 10-year median of 34.89 and 55.4% above the Banks industry median of 26.95. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Home Loan Financial (HLFN), the current Net Margin % is 41.88% 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:
Net Margin %: 41.88% (20% above median its 10-year median of 34.89)
GF Value™: $41.32 vs. price of $43.43 (5.1% above fair value)
Industry Position: 55.4% above the Banks median (#203 of 1527)
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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