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Home Loan FinancialHLFN 71 12-1 Month Momentum % is 28.59% as of Aug. 26, 2026. GuruFocus rates HLFN with a GF Score™ of 71/100 and a GF Value™ of $41.97 (Fairly Valued). The stock has 1 warning sign investors should review. Among 1,590 Banks companies, Home Loan Financial ranks better than 64.59% on this metric.
12-1 Month Momentum % is the total return of the stock from 12-month ago to 1-month ago. As of today (2026-08-26), Home Loan Financial's 12-1 Month Momentum % is 28.59%.
The industry rank for Home Loan Financial's 12-1 Month Momentum % or its related term are showing as below:
HLFN's 12-1 Month Momentum % is ranked better than 64.59% of 1590
companies
in the Banks industry
Industry Median: 17.2
vs HLFN: 28.59
Home Loan Financial (OTCPK:HLFN) 12-1 Month Momentum % Explanation
Momentum investing is a trading strategy in which investors buy securities that are rising and sell before the prices start to go back down. The 12-1 Month Momentum % measures the total return to a stock over the past twelve months, but ignores the previous month.
The reason why the most recent month’s return dropped related to the short-term reversal effect associated with momentum. There is an academic finding that short-term momentum actually has a reversal effect, whereby the previous winners (measured over the past months) do poorly the next month, while the previous losers do well the next month. In order to eliminate the short-term reversal effect, the previous month return was not included in this calculation.
Home Loan Financial 12-1 Month Momentum % Related Terms
HLFN vs RWCB, CEFC, FFBW: 12-1 Month Momentum % Comparison
For the Banks - Regional subindustry, Home Loan Financial's 12-1 Month Momentum %, along with its competitors' market caps and 12-1 Month Momentum % 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 12-1 Month Momentum % vs Banks Industry
For the Banks industry and Financial Services sector, Home Loan Financial's 12-1 Month Momentum % distribution charts can be found below:
* The bar in red indicates where Home Loan Financial's 12-1 Month Momentum % falls into.
Home Loan Financial (OTCPK:HLFN) 12-1 Month Momentum % Calculation
12-1 Month Momentum % is calculated as following:
12-1 Month Momentum %
=
( Price 1-month ago
/
Price 12-month ago
- 1 )
*
100 %
* 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 12-1 Month Momentum % of 28.59% as of Aug. 26, 2026. 12-1 Month Momentum measures the total return of the stock from 12-month ago to 1-month ago. View historical data on Home Loan Financial and its competitors. According to the industry distribution chart, Home Loan Financial ranks #563 out of 1590 companies in the Banks industry, placing it in the top 35.4%.
Is Home Loan Financial's 12-1 Month Momentum % too high?
Home Loan Financial's current 12-1 Month Momentum % is 28.59%. The Banks industry median 12-1 Month Momentum % is 17.20. Home Loan Financial's value of 28.59% is 66.2% above this industry median. Based on the distribution chart, Home Loan Financial ranks #563 out of 1590 companies in the Banks industry, which is above the industry midpoint. Overall, Home Loan Financial has a GF Score™ of 71/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Home Loan Financial's 12-1 Month Momentum % compare to RWCB and CEFC?
According to the Banks industry distribution chart, Home Loan Financial ranks #563 out of 1590 companies for 12-1 Month Momentum %. This puts Home Loan Financial in the upper half of its industry. The industry median 12-1 Month Momentum % is 17.20. Home Loan Financial's value of 28.59% is 66.2% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 12-1 Month Momentum % for a Banks company?
The median 12-1 Month Momentum % among Banks companies is 17.20, based on 1,590 companies in the industry. Companies in the top quartile (top 25%) have a 12-1 Month Momentum % significantly above this median, while those in the bottom quartile fall well below. However, 12-1 Month Momentum % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Home Loan Financial's current 12-1 Month Momentum % of 28.59% is 66.2% 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 12-1 Month Momentum % mean?
A high 12-1 Month Momentum % can signal that a stock is expensive relative to its fundamentals. 12-1 Month Momentum measures the total return of the stock from 12-month ago to 1-month ago. View historical data on Home Loan Financial and its competitors. For the Banks industry, the median 12-1 Month Momentum % is 17.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Home Loan Financial's current 12-1 Month Momentum % is 28.59%. 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 $41.97, compared to a current price of $44.10 — trading 5.1% above its estimated fair value. The current 12-1 Month Momentum % is 28.59% and 66.2% above the Banks industry median of 17.20. Home Loan Financial's overall GF Score™ is 71/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 12-1 Month Momentum % calculated?
12-1 Month Momentum % is calculated from a company's financial statements. For Home Loan Financial (HLFN), the current 12-1 Month Momentum % is 28.59% as of Aug. 26, 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 $44.10 is trading 5.1% above its estimated GF Value™ of $41.97.
GuruFocus considers Home Loan Financial to be Fairly Valued.
Key valuation signals for HLFN:
12-1 Month Momentum %: 28.59%
GF Value™: $41.97 vs. price of $44.10 (5.1% above fair value)
Industry Position: 66.2% above the Banks median (#563 of 1590)
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.
71GF Score
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