HLFN (Home Loan Financial) Dividend Payout Ratio: 0.18 (As of Mar. 2026) — 55% Below Median


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 Dividend Payout Ratio?

Home Loan Financial HLFN 68 Dividend Payout Ratio is 0.18 as of Mar. 2026, which is 55% below its 10-year median of 0.40. 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 1,168 Banks companies, Home Loan Financial ranks better than 80.65% on this metric.

The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period. Home Loan Financial's Dividend Payout Ratio for the months ended in Mar. 2026 was 0.18.

The historical rank and industry rank for Home Loan Financial's Dividend Payout Ratio or its related term are showing as below:

HLFN' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.19   Med: 0.4   Max: 1.6
Current: 0.19

During the past 13 years, the highest Dividend Payout Ratio of Home Loan Financial was 1.60. The lowest was 0.19. And the median was 0.40.

HLFN's Dividend Payout Ratio is ranked better than
80.65% of 1168 companies
in the Banks industry
Industry Median: 0.32 vs HLFN: 0.19

As of today (2026-06-27), the Dividend Yield % of Home Loan Financial is 2.53%.

During the past 13 years, the highest Trailing Annual Dividend Yield of Home Loan Financial was 4.01%. The lowest was 0.75%. And the median was 3.36%.

Home Loan Financial's Dividends per Share for the months ended in Mar. 2026 was $0.28.

During the past 12 months, Home Loan Financial's average Dividends Per Share Growth Rate was 0.90% per year. During the past 3 years, the average Dividends Per Share Growth Rate was 0.50% per year. During the past 5 years, the average Dividends Per Share Growth Rate was 0.20% per year. During the past 10 years, the average Dividends Per Share Growth Rate was 4.50% per year.

During the past 13 years, the highest 3-Year average Dividends Per Share Growth Rate of Home Loan Financial was 28.80% per year. The lowest was 0.00% per year. And the median was 10.50% per year.

The growth rate is calculated with least square regression.

For more information regarding to dividend, please check our Dividend Page.

* Please note that "special dividend" is not included in the calculation of dividend per share and related fields.

Home Loan Financial (OTCPK:HLFN) Dividend Payout Ratio Explanation

In dividends investing, Dividend Payout Ratio and Dividend Growth Rate are the two most important variables for consideration. A lower payout ratio may indicate that the company has more room to increase its dividends.

Home Loan Financial Dividend Payout Ratio Related Terms

Home Loan Financial Dividend Payout Ratio Historical Data

* Premium members only.

The historical data trend for Home Loan Financial's Dividend Payout Ratio 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 Dividend Payout Ratio Chart

Home Loan Financial Annual Data
Trend Jun05 Jun06 Jun07 Jun19 Jun20 Jun21 Jun22 Jun23 Jun24 Jun25
Dividend Payout Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.39 0.36 0.29 0.28 0.21

Home Loan Financial Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Dividend Payout Ratio 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 0.24 0.19 0.20 0.18 0.18

HLFN vs CBWA, ASRV, INFT: Dividend Payout Ratio Comparison

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

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

* The bar in red indicates where Home Loan Financial's Dividend Payout Ratio falls into.


HLFN
68GF Score
Home Loan Financial Corp HLFN
Dividend Payout Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Home Loan Financial Dividend Payout Ratio Calculation

The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period.

Home Loan Financial's Dividend Payout Ratio for the fiscal year that ended in Jun. 2025 is calculated as

Dividend Payout Ratio=Dividends per Share (A: Jun. 2025 )/ EPS without NRI (A: Jun. 2025 )
=1.095/ 5.13
=0.21

Home Loan Financial's Dividend Payout Ratio for the quarter that ended in Mar. 2026 is calculated as

Dividend Payout Ratio=Dividends per Share (Q: Mar. 2026 )/ EPS without NRI (Q: Mar. 2026 )
=0.275/ 1.54
=0.18

* 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 Dividend Payout Ratio →
What does a Dividend Payout Ratio of 0.18 mean?
Home Loan Financial (HLFN) has a Dividend Payout Ratio of 0.18 as of Mar. 2026. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Home Loan Financial and its competitors. This is 55% below median its historical median of 0.40. Over the past decade, Home Loan Financial's Dividend Payout Ratio has ranged from 0.19 to 1.60. According to the industry distribution chart, Home Loan Financial ranks #226 out of 1168 companies in the Banks industry, placing it in the top 19.3%.
Is Home Loan Financial's Dividend Payout Ratio too high?
Home Loan Financial's current Dividend Payout Ratio of 0.18 is 55% below median its 10-year median of 0.40. Over the past 10 years, this metric has ranged from a low of 0.19 to a high of 1.60. The Banks industry median Dividend Payout Ratio is 0.32. Home Loan Financial's value of 0.18 is 43.8% below this industry median. Based on the distribution chart, Home Loan Financial ranks #226 out of 1168 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 Dividend Payout Ratio compare to CBWA and ASRV?
According to the Banks industry distribution chart, Home Loan Financial ranks #226 out of 1168 companies for Dividend Payout Ratio. This places Home Loan Financial in the top 19% of its industry — outperforming the majority of peers. The industry median Dividend Payout Ratio is 0.32. Home Loan Financial's value of 0.18 is 43.8% below this benchmark. Historically, Home Loan Financial's own Dividend Payout Ratio has ranged from 0.19 to 1.60 over the past decade. While the company's 10-year median is 0.40 vs. the industry median of 0.32, Home Loan Financial has consistently been below 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 Dividend Payout Ratio for a Banks company?
The median Dividend Payout Ratio among Banks companies is 0.32, based on 1,168 companies in the industry. Companies in the top quartile (top 25%) have a Dividend Payout Ratio significantly above this median, while those in the bottom quartile fall well below. However, Dividend Payout Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Home Loan Financial's current Dividend Payout Ratio of 0.18 is 43.8% below 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 Dividend Payout Ratio mean?
A high Dividend Payout Ratio can signal that a stock is expensive relative to its fundamentals. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Home Loan Financial and its competitors. For the Banks industry, the median Dividend Payout Ratio is 0.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Home Loan Financial's current Dividend Payout Ratio is 0.18, which is 55% below median its own 10-year median of 0.40. 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 Dividend Payout Ratio is 0.18, which is 55% below median its 10-year median of 0.40 and 43.8% below the Banks industry median of 0.32. 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 Dividend Payout Ratio calculated?
Dividend Payout Ratio is calculated from a company's financial statements. For Home Loan Financial (HLFN), the current Dividend Payout Ratio is 0.18 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% above its estimated GF Value™ of $41.35. GuruFocus considers Home Loan Financial to be Fairly Valued.

Key valuation signals for HLFN:

  • Dividend Payout Ratio: 0.18 (55% below median its 10-year median of 0.40)
  • GF Value™: $41.35 vs. price of $43.43 (5% above fair value)
  • GF Score™: 68/100 with 5 warning signs
  • Industry Position: 43.8% below the Banks median (#226 of 1168)

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

Get the complete analysis for HLFN

Dividend Payout Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$43.43
Price
$41.35
GF Value