Home Loan FinancialHLFN 68 ROA % is 2.29% as of Mar. 2026, which is 43% above its 10-year median of 1.60. GuruFocus rates HLFN with a GF Score™ of 68/100 and a GF Value™ of $41.32 (Fairly Valued). The stock has 5 warning signs investors should review. Among 1,529 Banks companies, Home Loan Financial ranks better than 90.52% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Home Loan Financial's annualizedNet Income for the quarter that ended in Mar. 2026 was $8.69 Mil.
Home Loan Financial's average Total Assets over the quarter that ended in Mar. 2026 was $379.57 Mil. Therefore, Home Loan Financial's annualized ROA % for the quarter that ended in Mar. 2026 was 2.29%.
The historical rank and industry rank for Home Loan Financial's ROA % or its related term are showing as below:
HLFN'
s ROA % Range Over the Past 10 Years
Min: 0.47 Med: 1.6 Max: 2.24
Current: 2.24
During the past 13 years, Home Loan Financial's highest ROA % was 2.24%. The lowest was 0.47%. And the median was 1.60%.
HLFN's ROA % is ranked better than 90.52% of 1529
companies
in the Banks industry
Industry Median: 0.98
vs HLFN: 2.24
Home Loan Financial (OTCPK:HLFN) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
Home Loan Financial ROA % Related Terms
Home Loan Financial ROA % Historical Data
* Premium members only.
The historical data trend for Home Loan Financial's ROA % 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 ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Banks Industry
For the Banks industry and Financial Services sector, Home Loan Financial's ROA % distribution charts can be found below:
* The bar in red indicates where Home Loan Financial's ROA % 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 ROA %, the net income of the last fiscal year and the average total assets 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.
ROA % is displayed in the 30-year financial page.
Home Loan Financial (HLFN) has a ROA % of 2.29% as of Mar. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Home Loan Financial and its competitors. This is 43% above median its historical median of 1.60. Over the past decade, Home Loan Financial's ROA % has ranged from 0.47 to 2.24. According to the industry distribution chart, Home Loan Financial ranks #145 out of 1529 companies in the Banks industry, placing it in the top 9.5%.
Is Home Loan Financial's ROA % too high?
Home Loan Financial's current ROA % of 2.29% is 43% above median its 10-year median of 1.60. Over the past 10 years, this metric has ranged from a low of 0.47 to a high of 2.24. The Banks industry median ROA % is 0.98. Home Loan Financial's value of 2.29% is 133.7% above this industry median. Based on the distribution chart, Home Loan Financial ranks #145 out of 1529 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 ROA % compare to CBWA and ASRV?
According to the Banks industry distribution chart, Home Loan Financial ranks #145 out of 1529 companies for ROA %. This places Home Loan Financial in the top 10% of its industry — outperforming the majority of peers. The industry median ROA % is 0.98. Home Loan Financial's value of 2.29% is 133.7% above this benchmark. Historically, Home Loan Financial's own ROA % has ranged from 0.47 to 2.24 over the past decade. While the company's 10-year median is 1.60 vs. the industry median of 0.98, 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 ROA % for a Banks company?
The median ROA % among Banks companies is 0.98, based on 1,529 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Home Loan Financial's current ROA % of 2.29% is 133.7% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Home Loan Financial and its competitors. For the Banks industry, the median ROA % is 0.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Home Loan Financial's current ROA % is 2.29%, which is 43% above median its own 10-year median of 1.60. 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 $41.32, compared to a current price of $43.43 — trading 5.1% above its estimated fair value. The current ROA % is 2.29%, which is 43% above median its 10-year median of 1.60 and 133.7% above the Banks industry median of 0.98. 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 ROA % calculated?
ROA % is calculated from a company's financial statements. For Home Loan Financial (HLFN), the current ROA % is 2.29% 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 5.1% above its estimated GF Value™ of $41.32.
GuruFocus considers Home Loan Financial to be Fairly Valued.
Key valuation signals for HLFN:
ROA %: 2.29% (43% above median its 10-year median of 1.60)
GF Value™: $41.32 vs. price of $43.43 (5.1% above fair value)
Industry Position: 133.7% above the Banks median (#145 of 1529)
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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