Home Loan FinancialHLFN 64 Return-on-Tangible-Equity is 18.65% as of Mar. 2026, which is 49% above its 10-year median of 12.50. GuruFocus rates HLFN with a GF Score™ of 64/100 and a GF Value™ of $41.48 (Fairly Valued). The stock has 5 warning signs investors should review. Among 1,523 Banks companies, Home Loan Financial ranks better than 86.34% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Home Loan Financial's annualized net income for the quarter that ended in Mar. 2026 was $8.69 Mil. Home Loan Financial's average shareholder tangible equity for the quarter that ended in Mar. 2026 was $46.61 Mil. Therefore, Home Loan Financial's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 18.65%.
The historical rank and industry rank for Home Loan Financial's Return-on-Tangible-Equity or its related term are showing as below:
HLFN'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 3.67 Med: 12.5 Max: 18.48
Current: 18.48
During the past 13 years, Home Loan Financial's highest Return-on-Tangible-Equity was 18.48%. The lowest was 3.67%. And the median was 12.50%.
HLFN's Return-on-Tangible-Equity is ranked better than 86.34% of 1523
companies
in the Banks industry
Industry Median: 11.2
vs HLFN: 18.48
Home Loan Financial (OTCPK:HLFN) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Home Loan Financial Return-on-Tangible-Equity Related Terms
Home Loan Financial Return-on-Tangible-Equity Historical Data
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The historical data trend for Home Loan Financial's Return-on-Tangible-Equity 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 Return-on-Tangible-Equity Chart
HLFN vs FBVI, INFT, PGNN: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Home Loan Financial's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Home Loan Financial's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Home Loan Financial's Return-on-Tangible-Equity falls into.
* 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 18.65% mean?
Home Loan Financial (HLFN) has a Return-on-Tangible-Equity of 18.65% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Home Loan Financial and its competitors. This is 49% above median its historical median of 12.50. Over the past decade, Home Loan Financial's Return-on-Tangible-Equity has ranged from 3.67 to 18.48. According to the industry distribution chart, Home Loan Financial ranks #208 out of 1523 companies in the Banks industry, placing it in the top 13.7%.
Is Home Loan Financial's Return-on-Tangible-Equity too high?
Home Loan Financial's current Return-on-Tangible-Equity of 18.65% is 49% above median its 10-year median of 12.50. Over the past 10 years, this metric has ranged from a low of 3.67 to a high of 18.48. The Banks industry median Return-on-Tangible-Equity is 11.20. Home Loan Financial's value of 18.65% is 66.5% above this industry median. Based on the distribution chart, Home Loan Financial ranks #208 out of 1523 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 64/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Home Loan Financial's Return-on-Tangible-Equity compare to FBVI and INFT?
According to the Banks industry distribution chart, Home Loan Financial ranks #208 out of 1523 companies for Return-on-Tangible-Equity. This places Home Loan Financial in the top 14% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 11.20. Home Loan Financial's value of 18.65% is 66.5% above this benchmark. Historically, Home Loan Financial's own Return-on-Tangible-Equity has ranged from 3.67 to 18.48 over the past decade. While the company's 10-year median is 12.50 vs. the industry median of 11.20, 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 Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.20, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Home Loan Financial's current Return-on-Tangible-Equity of 18.65% is 66.5% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Home Loan Financial and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Home Loan Financial's current Return-on-Tangible-Equity is 18.65%, which is 49% above median its own 10-year median of 12.50. 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 $41.48, compared to a current price of $43.43 — trading 4.7% above its estimated fair value. The current Return-on-Tangible-Equity is 18.65%, which is 49% above median its 10-year median of 12.50 and 66.5% above the Banks industry median of 11.20. Home Loan Financial's overall GF Score™ is 64/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Home Loan Financial (HLFN), the current Return-on-Tangible-Equity is 18.65% 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 4.7% above its estimated GF Value™ of $41.48.
GuruFocus considers Home Loan Financial to be Fairly Valued.
Key valuation signals for HLFN:
Return-on-Tangible-Equity: 18.65% (49% above median its 10-year median of 12.50)
GF Value™: $41.48 vs. price of $43.43 (4.7% above fair value)
Industry Position: 66.5% above the Banks median (#208 of 1523)
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.
64GF Score
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