Hamlin Bank and Trust CoHMLN 71 PE Ratio (TTM) is 12.48 as of Jul. 02, 2026, which is 3% above its 10-year median of 12.16. GuruFocus rates HMLN with a GF Score™ of 71/100 and a GF Value™ of $273.67 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 1,445 Banks companies, Hamlin Bank and Trust Co ranks worse than 56.26% on this metric.
The PE Ratio (TTM), or Price-to-Earnings ratio, or P/E Ratio, is a financial ratio used to compare a company's market price to its Earnings per Share (Diluted). As of today (2026-07-02), Hamlin Bank and Trust Co's share price is
$240.00.
Hamlin Bank and Trust Co's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was $19.23. Therefore, Hamlin Bank and Trust Co's PE Ratio (TTM) for today is 12.48.
The historical rank and industry rank for Hamlin Bank and Trust Co's PE Ratio (TTM) or its related term are showing as below:
HMLN'
s PE Ratio (TTM) Range Over the Past 10 Years
Min: 7.24 Med: 12.16 Max: 29.31
Current: 12.48
During the past 12 years, the highest PE Ratio (TTM) of Hamlin Bank and Trust Co was 29.31. The lowest was 7.24. And the median was 12.16.
HMLN's PE Ratio (TTM) is ranked worse than 56.26% of 1445
companies
in the Banks industry
Industry Median: 11.78
vs HMLN: 12.48
During the past 12 years, Hamlin Bank and Trust Co's highest 3-Year average EPS without NRI Growth Rate was 31.10% per year. The lowest was -29.70% per year. And the median was 6.60% per year.
Hamlin Bank and Trust Co (OTCPK:HMLN) PE Ratio (TTM) Explanation
The PE Ratio (TTM) can be viewed as the number of years it takes for the company to earn back the price you pay for the stock. For example, if a company earns $2 a share per year, and the stock is traded at $30, the PE Ratio (TTM) is 15. Therefore it takes 15 years for the company to earn back the $30 you paid for its stock, assuming the earnings stays constant over the next 15 years.
In real business, earnings never stay constant. If a company can grow its earnings, it takes fewer years for the company to earn back the price you pay for the stock. If a company's earnings decline it takes more years. As a shareholder, you want the company to earn back the price you pay as soon as possible. Therefore, lower P/E stocks are more attractive than higher P/E stocks so long as the PE Ratio (TTM) is positive. Also for stocks with the same PE Ratio (TTM), the one with faster growth business is more attractive.
If a company loses money, the PE Ratio (TTM) becomes meaningless.
To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the PE Ratio (TTM) divided by the growth ratio. He thinks a company with a PE Ratio (TTM) equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a PE Ratio (TTM) of 20, instead of a company growing 10% a year with a PE Ratio (TTM) of 10.
Because the PE Ratio (TTM) measures how long it takes to earn back the price you pay, the PE Ratio (TTM) can be applied to the stocks across different industries. That is why it is the one of the most important and widely used indicators for the valuation of stocks.
Investors need to be aware that the PE Ratio (TTM) can be misleading a lot of times, especially when the underlying business is cyclical and unpredictable. As Peter Lynch pointed out, cyclical businesses have higher profit margins at the peaks of the business cycles. Their earnings are high and PE Ratio (TTM)s are artificially low. It is usually a bad idea to buy a cyclical business when the PE Ratio (TTM) is low. A better ratio to identify the time to buy a cyclical businesses is the PS Ratio .
PE Ratio (TTM) can also be affected by non-recurring-items such as the sale of part of businesses. This may increase for the current year or quarter dramatically. But it cannot be repeated over and over. Therefore PE Ratio without NRI is a more accurate indication of valuation than PE Ratio (TTM).
Hamlin Bank and Trust Co PE Ratio (TTM) Related Terms
Hamlin Bank and Trust Co PE Ratio (TTM) Historical Data
* 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.
HMLN vs SOBS, BKOR, EDVR: PE Ratio (TTM) Comparison
For the Banks - Regional subindustry, Hamlin Bank and Trust Co's PE Ratio (TTM), along with its competitors' market caps and PE Ratio (TTM) 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.
Hamlin Bank and Trust Co PE Ratio (TTM) vs Banks Industry
For the Banks industry and Financial Services sector, Hamlin Bank and Trust Co's PE Ratio (TTM) distribution charts can be found below:
* The bar in red indicates where Hamlin Bank and Trust Co's PE Ratio (TTM) falls into.
Hamlin Bank and Trust Co PE Ratio (TTM) Calculation
The PE Ratio (TTM), or Price-to-Earnings ratio, or P/E Ratio, is a financial ratio used to compare a company's market price to its Earnings per Share (Diluted). It is the most widely used ratio in the valuation of stocks.
Hamlin Bank and Trust Co's Share Price of today is $240.00.
For company reported annually, GuruFocus uses latest annual data as the TTM data. Hamlin Bank and Trust Co's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was $19.23.
* 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:
There are at least three kinds of PE Ratio (TTM)s used by different investors. They are Trailing Twelve Month PE Ratio (TTM) or PE Ratio (TTM) (TTM), Forward PE Ratio, or PE Ratio without NRI. A new PE Ratio (TTM) based on inflation-adjusted normalized PE Ratio (TTM) is called Shiller PE Ratio, after Yale professor Robert Shiller.
In the calculation of PE Ratio (TTM), the earnings per share used are the earnings per share over the past 12 months. For Forward PE Ratio, the earnings are the expected earnings for the next twelve months. In the case of PE Ratio without NRI, the reported earnings less the non-recurring items are used.
For Shiller PE Ratio, the earnings of the past 10 years are inflation-adjusted and averaged. Since it looks at the average over the last 10 years, Shiller PE Ratio is also called PE10.
Hamlin Bank and Trust Co (HMLN) has a PE Ratio (TTM) of 12.48 as of Jul. 02, 2026. Trailing 12-month P/E ratio is the ratio of share price to a company's trailing 12-month earnings per share. View historical data on Hamlin Bank and Trust Co and its competitors. This is near median its historical median of 12.16. Over the past decade, Hamlin Bank and Trust Co's PE Ratio (TTM) has ranged from 7.24 to 29.31. According to the industry distribution chart, Hamlin Bank and Trust Co ranks #813 out of 1445 companies in the Banks industry, placing it in the top 56.3%.
Is Hamlin Bank and Trust Co's PE Ratio (TTM) too high?
Hamlin Bank and Trust Co's current PE Ratio (TTM) of 12.48 is near median its 10-year median of 12.16. Over the past 10 years, this metric has ranged from a low of 7.24 to a high of 29.31. The Banks industry median PE Ratio (TTM) is 11.78. Hamlin Bank and Trust Co's value of 12.48 is 5.9% above this industry median. Based on the distribution chart, Hamlin Bank and Trust Co ranks #813 out of 1445 companies in the Banks industry, which is below the industry midpoint. Overall, Hamlin Bank and Trust Co has a GF Score™ of 71/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Hamlin Bank and Trust Co's PE Ratio (TTM) compare to SOBS and BKOR?
According to the Banks industry distribution chart, Hamlin Bank and Trust Co ranks #813 out of 1445 companies for PE Ratio (TTM). This places Hamlin Bank and Trust Co in the lower half of its industry. The industry median PE Ratio (TTM) is 11.78. Hamlin Bank and Trust Co's value of 12.48 is 5.9% above this benchmark. Historically, Hamlin Bank and Trust Co's own PE Ratio (TTM) has ranged from 7.24 to 29.31 over the past decade. While the company's 10-year median is 12.16 vs. the industry median of 11.78, Hamlin Bank and Trust Co 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 PE Ratio (TTM) for a Banks company?
The median PE Ratio (TTM) among Banks companies is 11.78, based on 1,445 companies in the industry. Companies in the top quartile (top 25%) have a PE Ratio (TTM) significantly above this median, while those in the bottom quartile fall well below. However, PE Ratio (TTM) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Hamlin Bank and Trust Co's current PE Ratio (TTM) of 12.48 is 5.9% 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 PE Ratio (TTM) mean?
A high PE Ratio (TTM) can signal that a stock is expensive relative to its fundamentals. Trailing 12-month P/E ratio is the ratio of share price to a company's trailing 12-month earnings per share. View historical data on Hamlin Bank and Trust Co and its competitors. For the Banks industry, the median PE Ratio (TTM) is 11.78 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Hamlin Bank and Trust Co's current PE Ratio (TTM) is 12.48, which is near median its own 10-year median of 12.16. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Hamlin Bank and Trust Co stock overvalued right now?
Based on GuruFocus' analysis, Hamlin Bank and Trust Co (HMLN) is currently considered Modestly Undervalued. The stock's GF Value™ is $273.67, compared to a current price of $240.00 — trading 12.3% below its estimated fair value. The current PE Ratio (TTM) is 12.48, which is near median its 10-year median of 12.16 and 5.9% above the Banks industry median of 11.78. Hamlin Bank and Trust Co's overall GF Score™ is 71/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PE Ratio (TTM) calculated?
PE Ratio (TTM) is calculated from a company's financial statements. For Hamlin Bank and Trust Co (HMLN), the current PE Ratio (TTM) is 12.48 as of Jul. 02, 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 Hamlin Bank and Trust Co (HMLN) Overvalued in 2026?
Based on GuruFocus' analysis, Hamlin Bank and Trust Co stock appears to be undervalued.
The current stock price of $240.00 is trading 12.3% below its estimated GF Value™ of $273.67.
GuruFocus considers Hamlin Bank and Trust Co to be Modestly Undervalued.
Key valuation signals for HMLN:
PE Ratio (TTM): 12.48 (near median its 10-year median of 12.16)
GF Value™: $273.67 vs. price of $240.00 (12.3% below fair value)
Industry Position: 5.9% above the Banks median (#813 of 1445)
No single metric tells the full story. See the HMLN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Hamlin Bank and Trust Co are a United States-based state charted commercial bank. It offers a variety of financial and trust services. The company provides services such as personal banking services, business banking services, trust services, and other banking services. The Banks principal sources of revenue emanate from its portfolio of residential real estate, commercial mortgage, commercial, and consumer loans, as well as interest on investment securities and a variety of deposit and trust services provided to its customers.
71GF Score
Get the complete analysis for HMLN
PE Ratio (TTM) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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