HLFN (Home Loan Financial) OCF Margin %: 0.00% (As of Jun. 2026)

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HLFN Home Loan Financial Corp HLFN
72 GF Score
Price $42.01
GF Value $41.68
Valuation Fairly Valued
! 3 Warning Signs
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What is Home Loan Financial OCF Margin %?

Home Loan Financial HLFN 72 OCF Margin % is 0.00% as of Jun. 2026. GuruFocus rates HLFN with a GF Score™ of 72/100 and a GF Value™ of $41.68 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,496 Banks companies, Home Loan Financial ranks worse than 66844.85% on this metric.

OCF Margin % is calculated as Cash Flow from Operations divided by its Revenue. Home Loan Financial's Cash Flow from Operations for the three months ended in Jun. 2026 was $0.00 Mil. Home Loan Financial's Revenue for the three months ended in Jun. 2026 was $5.15 Mil. Therefore, Home Loan Financial's OCF Margin % for the quarter that ended in Jun. 2026 was 0.00%.

As of today, Home Loan Financial's current OCF Yield % is 0.00%.

The historical rank and industry rank for Home Loan Financial's OCF Margin % or its related term are showing as below:


During the past 13 years, the highest OCF Margin % of Home Loan Financial was 56.89%. The lowest was 16.72%. And the median was 44.96%.

HLFN's OCF Margin % is not ranked *
in the Banks industry.
Industry Median: 29.64
* Ranked among companies with meaningful OCF Margin % only.

Home Loan Financial OCF Margin % Related Terms

Home Loan Financial OCF Margin % Historical Data

* Premium members only.

The historical data trend for Home Loan Financial's OCF 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.

Home Loan Financial OCF Margin % Chart

Home Loan Financial Annual Data
Trend Jun06 Jun07 Jun19 Jun20 Jun21 Jun22 Jun23 Jun24 Jun25 Jun26
OCF Margin %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 56.89 44.96 44.31 47.05 0.00

Home Loan Financial Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
OCF Margin % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 0.00
HLFN
72GF Score
Home Loan Financial Corp HLFN
OCF Margin % is just one metric. See GF Score™, valuation, warning signs, and more.
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Home Loan Financial OCF Margin % Calculation

OCF Margin % is the ratio of Cash Flow from Operations divided by net sales or Revenue, usually presented in percent.

Home Loan Financial's OCF Margin for the fiscal year that ended in Jun. 2026 is calculated as

OCF Margin=Cash Flow from Operations (A: Jun. 2026 )/Revenue (A: Jun. 2026 )
=0/20.432
=0.00 %

Home Loan Financial's OCF Margin for the quarter that ended in Jun. 2026 is calculated as

OCF Margin=Cash Flow from Operations (Q: Jun. 2026 )/Revenue (Q: Jun. 2026 )
=0/5.153
=0.00 %

* 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.

Frequently Asked Questions Learn more about OCF Margin % →
What does a OCF Margin % of 0.00% mean?
Home Loan Financial (HLFN) has a OCF Margin % of 0.00% as of Jun. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Home Loan Financial and its competitors. Over the past decade, Home Loan Financial's OCF Margin % has ranged from 16.72 to 56.89. According to the industry distribution chart, Home Loan Financial ranks #999999 out of 1496 companies in the Banks industry.
Is Home Loan Financial's OCF Margin % too high?
Home Loan Financial's current OCF Margin % is 0.00%. Over the past 10 years, this metric has ranged from a low of 16.72 to a high of 56.89. Based on the distribution chart, Home Loan Financial ranks #999999 out of 1496 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Home Loan Financial has a GF Score™ of 72/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Home Loan Financial's OCF Margin % compare to RWCB and CEFC?
According to the Banks industry distribution chart, Home Loan Financial ranks #999999 out of 1496 companies for OCF Margin %. This places Home Loan Financial in the lower half of its industry. The industry median OCF Margin % is 29.64. Historically, Home Loan Financial's own OCF Margin % has ranged from 16.72 to 56.89 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 OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.64, based on 1,496 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Home Loan Financial and its competitors. For the Banks industry, the median OCF Margin % is 29.64 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Home Loan Financial's current OCF 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 $41.68, compared to a current price of $42.01 — trading 0.8% above its estimated fair value. The current OCF Margin % is 0.00%. Home Loan Financial's overall GF Score™ is 72/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Home Loan Financial (HLFN), the current OCF Margin % is 0.00% as of Jun. 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 $42.01 is trading 0.8% above its estimated GF Value™ of $41.68. GuruFocus considers Home Loan Financial to be Fairly Valued.

Key valuation signals for HLFN:

  • OCF Margin %: 0.00%
  • GF Value™: $41.68 vs. price of $42.01 (0.8% above fair value)
  • GF Score™: 72/100 with 3 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.
72GF Score

Get the complete analysis for HLFN

OCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$42.01
Price
$41.68
GF Value