Home Loan FinancialHLFN 68 PB Ratio is 1.29 as of Jun. 25, 2026, which is 2% above its 10-year median of 1.27. GuruFocus rates HLFN with a GF Score™ of 68/100 and a GF Value™ of $41.33 (Fairly Valued). The stock has 5 warning signs investors should review. Among 1,515 Banks companies, Home Loan Financial ranks worse than 65.81% on this metric.
Home Loan Financial Corp stock PB Ratio (=1.29) is close to 3-year high of 1.35.
The historical rank and industry rank for Home Loan Financial's PB Ratio or its related term are showing as below:
HLFN'
s PB Ratio Range Over the Past 10 Years
Min: 0.97 Med: 1.27 Max: 1.62
Current: 1.29
During the past 13 years, Home Loan Financial's highest PB Ratio was 1.62. The lowest was 0.97. And the median was 1.27.
HLFN's PB Ratio is ranked worse than 65.81% of 1515
companies
in the Banks industry
Industry Median: 1.08
vs HLFN: 1.29
During the past 12 months, Home Loan Financial's average Book Value Per Share Growth Rate was 12.80% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 9.50% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 7.10% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 10.30% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Home Loan Financial was 23.00% per year. The lowest was -13.60% per year. And the median was 6.50% per year.
Back to Basics: PB Ratio
Home Loan Financial (OTCPK:HLFN) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Home Loan Financial PB Ratio Related Terms
Home Loan Financial PB Ratio Historical Data
* Premium members only.
The historical data trend for Home Loan Financial's PB 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.
For the Banks - Regional subindustry, Home Loan Financial's PB Ratio, along with its competitors' market caps and PB 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 PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Home Loan Financial's PB Ratio distribution charts can be found below:
* The bar in red indicates where Home Loan Financial's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Home Loan Financial (HLFN) has a PB Ratio of 1.29 as of Jun. 25, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Home Loan Financial and its competitors. This is near median its historical median of 1.27. Over the past decade, Home Loan Financial's PB Ratio has ranged from 0.97 to 1.62. According to the industry distribution chart, Home Loan Financial ranks #997 out of 1515 companies in the Banks industry, placing it in the top 65.8%.
Is Home Loan Financial's PB Ratio too high?
Home Loan Financial's current PB Ratio of 1.29 is near median its 10-year median of 1.27. Over the past 10 years, this metric has ranged from a low of 0.97 to a high of 1.62. The Banks industry median PB Ratio is 1.08. Home Loan Financial's value of 1.29 is 19.4% above this industry median. Based on the distribution chart, Home Loan Financial ranks #997 out of 1515 companies in the Banks industry, which is below 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 PB Ratio compare to CBWA and ASRV?
According to the Banks industry distribution chart, Home Loan Financial ranks #997 out of 1515 companies for PB Ratio. This places Home Loan Financial in the lower half of its industry. The industry median PB Ratio is 1.08. Home Loan Financial's value of 1.29 is 19.4% above this benchmark. Historically, Home Loan Financial's own PB Ratio has ranged from 0.97 to 1.62 over the past decade. While the company's 10-year median is 1.27 vs. the industry median of 1.08, 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.08, based on 1,515 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Home Loan Financial's current PB Ratio of 1.29 is 19.4% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Home Loan Financial and its competitors. For the Banks industry, the median PB Ratio is 1.08 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Home Loan Financial's current PB Ratio is 1.29, which is near median its own 10-year median of 1.27. 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 $41.33, compared to a current price of $43.43 — trading 5.1% above its estimated fair value. The current PB Ratio is 1.29, which is near median its 10-year median of 1.27 and 19.4% above the Banks industry median of 1.08. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Home Loan Financial (HLFN), the current PB Ratio is 1.29 as of Jun. 25, 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 $41.33.
GuruFocus considers Home Loan Financial to be Fairly Valued.
Key valuation signals for HLFN:
PB Ratio: 1.29 (near median its 10-year median of 1.27)
GF Value™: $41.33 vs. price of $43.43 (5.1% above fair value)
Industry Position: 19.4% above the Banks median (#997 of 1515)
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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