HLFN (Home Loan Financial) ROC (Joel Greenblatt) %: % (As of Mar. 2026)


HLFN Home Loan Financial Corp HLFN
68 GF Score
Price $43.43
GF Value $41.56
Valuation Fairly Valued
! 5 Warning Signs
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What is Home Loan Financial ROC (Joel Greenblatt) %?

Home Loan Financial HLFN 68 ROC (Joel Greenblatt) % is % as of Mar. 2026. GuruFocus rates HLFN with a GF Score™ of 68/100 and a GF Value™ of $41.56 (Fairly Valued). The stock has 5 warning signs investors should review. Among 46 Banks companies, Home Loan Financial ranks worse than 2173910.87% on this metric.

ROC (Joel Greenblatt) % does not apply to banks and insurance companies.

HLFN
68GF Score
Home Loan Financial Corp HLFN
ROC (Joel Greenblatt) % is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a ROC (Joel Greenblatt) % of % mean?
Home Loan Financial (HLFN) has a ROC (Joel Greenblatt) % of % as of Mar. 2026. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Home Loan Financial and its competitors. According to the industry distribution chart, Home Loan Financial ranks #999999 out of 46 companies in the Banks industry.
Is Home Loan Financial's ROC (Joel Greenblatt) % too high?
Home Loan Financial's current ROC (Joel Greenblatt) % is %. Based on the distribution chart, Home Loan Financial ranks #999999 out of 46 companies in the Banks industry, which is in the bottom quartile 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 ROC (Joel Greenblatt) % compare to FBVI and INFT?
According to the Banks industry distribution chart, Home Loan Financial ranks #999999 out of 46 companies for ROC (Joel Greenblatt) %. This places Home Loan Financial in the lower half of its industry. The industry median ROC (Joel Greenblatt) % is 63.63. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC (Joel Greenblatt) % for a Banks company?
The median ROC (Joel Greenblatt) % among Banks companies is 63.63, based on 46 companies in the industry. Companies in the top quartile (top 25%) have a ROC (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, ROC (Joel Greenblatt) % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROC (Joel Greenblatt) % mean?
A high ROC (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Home Loan Financial and its competitors. For the Banks industry, the median ROC (Joel Greenblatt) % is 63.63 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Home Loan Financial's current ROC (Joel Greenblatt) % is %. 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 $41.56, compared to a current price of $43.43 — trading 4.5% above its estimated fair value. The current ROC (Joel Greenblatt) % is %. 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 ROC (Joel Greenblatt) % calculated?
ROC (Joel Greenblatt) % is calculated from a company's financial statements. For Home Loan Financial (HLFN), the current ROC (Joel Greenblatt) % is % 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 4.5% above its estimated GF Value™ of $41.56. GuruFocus considers Home Loan Financial to be Fairly Valued.

Key valuation signals for HLFN:

  • ROC (Joel Greenblatt) %: %
  • GF Value™: $41.56 vs. price of $43.43 (4.5% above fair value)
  • GF Score™: 68/100 with 5 warning signs

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 Business Description

Address 413 Main Street, Coshocton, OH, USA, 43812-1547
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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ROC (Joel Greenblatt) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$43.43
Price
$41.56
GF Value