Home Loan FinancialHLFN 68 ROE % 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 68/100 and a GF Value™ of $41.32 (Fairly Valued). The stock has 5 warning signs investors should review. Among 1,524 Banks companies, Home Loan Financial ranks better than 89.17% on this metric.
The historical rank and industry rank for Home Loan Financial's ROE % or its related term are showing as below:
HLFN'
s ROE % 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 ROE % was 18.48%. The lowest was 3.67%. And the median was 12.50%.
HLFN's ROE % is ranked better than 89.17% of 1524
companies
in the Banks industry
Industry Median: 10.22
vs HLFN: 18.48
Home Loan Financial (OTCPK:HLFN) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
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. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % 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 ROE %s can be extremely high.
Home Loan Financial ROE % Related Terms
Home Loan Financial ROE % Historical Data
* Premium members only.
The historical data trend for Home Loan Financial's ROE % 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 ROE %, along with its competitors' market caps and ROE % 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 % vs Banks Industry
For the Banks industry and Financial Services sector, Home Loan Financial's ROE % distribution charts can be found below:
* The bar in red indicates where Home Loan Financial's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder 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.
ROE % is displayed in the 30-year financial page.
Home Loan Financial (HLFN) has a ROE % of 18.65% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total 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 ROE % has ranged from 3.67 to 18.48. According to the industry distribution chart, Home Loan Financial ranks #165 out of 1524 companies in the Banks industry, placing it in the top 10.8%.
Is Home Loan Financial's ROE % too high?
Home Loan Financial's current ROE % 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 ROE % is 10.22. Home Loan Financial's value of 18.65% is 82.5% above this industry median. Based on the distribution chart, Home Loan Financial ranks #165 out of 1524 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 ROE % compare to CBWA and ASRV?
According to the Banks industry distribution chart, Home Loan Financial ranks #165 out of 1524 companies for ROE %. This places Home Loan Financial in the top 11% of its industry — outperforming the majority of peers. The industry median ROE % is 10.22. Home Loan Financial's value of 18.65% is 82.5% above this benchmark. Historically, Home Loan Financial's own ROE % 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 10.22, 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.22, based on 1,524 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Home Loan Financial's current ROE % of 18.65% is 82.5% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Home Loan Financial and its competitors. For the Banks industry, the median ROE % is 10.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Home Loan Financial's current ROE % 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 $41.32, compared to a current price of $43.43 — trading 5.1% above its estimated fair value. The current ROE % is 18.65%, which is 49% above median its 10-year median of 12.50 and 82.5% above the Banks industry median of 10.22. 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 % calculated?
ROE % is calculated from a company's financial statements. For Home Loan Financial (HLFN), the current ROE % 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 5.1% above its estimated GF Value™ of $41.32.
GuruFocus considers Home Loan Financial to be Fairly Valued.
Key valuation signals for HLFN:
ROE %: 18.65% (49% above median its 10-year median of 12.50)
GF Value™: $41.32 vs. price of $43.43 (5.1% above fair value)
Industry Position: 82.5% above the Banks median (#165 of 1524)
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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