HLFN (Home Loan Financial) ROE % Adjusted to Book Value: 15.29% (As of Mar. 2026)


HLFN Home Loan Financial Corp HLFN
68 GF Score
Price $43.43
GF Value $41.35
Valuation Fairly Valued
! 5 Warning Signs
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What is Home Loan Financial ROE % Adjusted to Book Value?

Home Loan Financial HLFN 68 ROE % Adjusted to Book Value is 15.29% as of Mar. 2026. GuruFocus rates HLFN with a GF Score™ of 68/100 and a GF Value™ of $41.35 (Fairly Valued). The stock has 5 warning signs investors should review.

Home Loan Financial's ROE % for the quarter that ended in Mar. 2026 was 18.65%. Home Loan Financial's PB Ratio for the quarter that ended in Mar. 2026 was 1.22. Home Loan Financial's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 was 15.29%.


Home Loan Financial ROE % Adjusted to Book Value Related Terms


Home Loan Financial ROE % Adjusted to Book Value Historical Data

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The historical data trend for Home Loan Financial's ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value Chart

Home Loan Financial Annual Data
Trend Jun05 Jun06 Jun07 Jun19 Jun20 Jun21 Jun22 Jun23 Jun24 Jun25
ROE % Adjusted to Book Value
Get a 7-Day Free Trial Premium Member Only Premium Member Only 8.63 8.98 13.42 14.25 16.47

Home Loan Financial Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
ROE % Adjusted to Book Value Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 14.21 17.52 16.56 17.80 15.29

HLFN vs CBWA, ASRV, INFT: ROE % Adjusted to Book Value Comparison

For the Banks - Regional subindustry, Home Loan Financial's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value vs Banks Industry

For the Banks industry and Financial Services sector, Home Loan Financial's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where Home Loan Financial's ROE % Adjusted to Book Value falls into.


HLFN
68GF Score
Home Loan Financial Corp HLFN
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
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Home Loan Financial ROE % Adjusted to Book Value Calculation

Home Loan Financial's ROE % Adjusted to Book Value for the fiscal year that ended in Jun. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=17.46% / 1.06
=16.47%

Home Loan Financial's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=18.65% / 1.22
=15.29%

* 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.

What does a ROE % Adjusted to Book Value of 15.29% mean?
Home Loan Financial (HLFN) has a ROE % Adjusted to Book Value of 15.29% as of Mar. 2026. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Home Loan Financial and its competitors.
Is Home Loan Financial's ROE % Adjusted to Book Value too high?
Home Loan Financial's current ROE % Adjusted to Book Value is 15.29%. 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 ROE % Adjusted to Book Value compare to CBWA and ASRV?
Home Loan Financial's ROE % Adjusted to Book Value of 15.29% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % Adjusted to Book Value for a Banks company?
A good ROE % Adjusted to Book Value depends on the Banks industry context. However, ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Home Loan Financial and its competitors. Home Loan Financial's current ROE % Adjusted to Book Value is 15.29%. 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 $41.35, compared to a current price of $43.43 — trading 5% above its estimated fair value. The current ROE % Adjusted to Book Value is 15.29%. 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 ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For Home Loan Financial (HLFN), the current ROE % Adjusted to Book Value is 15.29% 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% above its estimated GF Value™ of $41.35. GuruFocus considers Home Loan Financial to be Fairly Valued.

Key valuation signals for HLFN:

  • ROE % Adjusted to Book Value: 15.29%
  • GF Value™: $41.35 vs. price of $43.43 (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

Get the complete analysis for HLFN

ROE % Adjusted to Book Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$43.43
Price
$41.35
GF Value