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Asset Turnover measures how quickly a company turns over its asset through sales. It is calculated as Revenue divided by Total Assets. HFB Financial's Revenue for the
six
months ended in Dec. 2025 was $23.59 Mil. HFB Financial's Total Assets for the quarter that ended in Dec. 2025 was $566.04 Mil. Therefore, HFB Financial's Asset Turnover for the quarter that ended in Dec. 2025 was 0.04.
Asset Turnover is linked to ROE % through Du Pont Formula. HFB Financial's annualizedROE % for the quarter that ended in Dec. 2025 was 18.47%. It is also linked to ROA % through Du Pont Formula. HFB Financial's annualizedROA % for the quarter that ended in Dec. 2025 was 1.64%.
Note:
The Net Income data used here is two times the semi-annual (Dec. 2025) net income data. The Revenue data used here is two times the semi-annual (Dec. 2025) 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.
** The ROE % used above is for Du Pont Analysis only. It is different from the defined ROE % page on our website, as here it uses Net Income instead of Net Income attributable to Common Stockholders in the calculation.
It is also linked to ROA % through Du Pont Formula:
HFB Financial's annulizedROA % for the quarter that ended in Dec. 2025 is
Note:
The Net Income data used here is two times the semi-annual (Dec. 2025) net income data. The Revenue data used here is two times the semi-annual (Dec. 2025) 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
In the article Joining The Dark Side: Pirates, Spies and Short Sellers, James Montier reported that In their US sample covering the period 1968-2003, Cooper et al find that firms with low asset growth outperformed firms with high asset growth by an astounding 20% p.a. equally weighted. Even when controlling for market, size and style, low asset growth firms outperformed high asset growth firms by 13% p.a. Therefore a company with fast asset growth may underperform.
Therefore, it is a good sign if a company's Asset Turnover is consistent or even increases. If a company's asset grows faster than sales, its Asset Turnover will decline, which can be a warning sign.
HFB Financial Asset Turnover Related Terms
HFB Financial Asset Turnover Historical Data
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The historical data trend for HFB Financial's Asset Turnover 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.
HFBA vs HCBC, TMAK, MBBC: Asset Turnover Comparison
For the Banks - Regional subindustry, HFB Financial's Asset Turnover, along with its competitors' market caps and Asset Turnover 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.
HFB Financial Asset Turnover vs Banks Industry
For the Banks industry and Financial Services sector, HFB Financial's Asset Turnover distribution charts can be found below:
* The bar in red indicates where HFB Financial's Asset Turnover 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.
Companies with low profit margins tend to have high Asset Turnover, while those with high profit margins have low Asset Turnover. Companies in the retail industry tend to have a very high turnover ratio.
HFB Financial (HFBA) has a Asset Turnover of 0.04 as of Dec. 2025. Asset turnover equals current-period sales over average total assets over the past two periods. View historical data on HFB Financial and its competitors.
Is HFB Financial's Asset Turnover too high?
HFB Financial's current Asset Turnover is 0.04. Overall, HFB Financial has a GF Score™ of 54/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does HFB Financial's Asset Turnover compare to HCBC and TMAK?
HFB Financial's Asset Turnover of 0.04 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 Asset Turnover for a Banks company?
A good Asset Turnover depends on the Banks industry context. However, Asset Turnover 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 Asset Turnover mean?
A high Asset Turnover can signal that a stock is expensive relative to its fundamentals. Asset turnover equals current-period sales over average total assets over the past two periods. View historical data on HFB Financial and its competitors. HFB Financial's current Asset Turnover is 0.04. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is HFB Financial stock overvalued right now?
Based on GuruFocus' analysis, HFB Financial (HFBA) is currently considered Fairly Valued. The stock's GF Value™ is $36.39, compared to a current price of $38.00 — trading 4.4% above its estimated fair value. The current Asset Turnover is 0.04. HFB Financial's overall GF Score™ is 54/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Asset Turnover calculated?
Asset Turnover is calculated from a company's financial statements. For HFB Financial (HFBA), the current Asset Turnover is 0.04 as of Dec. 2025. 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 HFB Financial (HFBA) Overvalued in 2026?
Based on GuruFocus' analysis, HFB Financial stock appears to be overvalued.
The current stock price of $38.00 is trading 4.4% above its estimated GF Value™ of $36.39.
GuruFocus considers HFB Financial to be Fairly Valued.
Key valuation signals for HFBA:
Asset Turnover: 0.04
GF Value™: $36.39 vs. price of $38.00 (4.4% above fair value)
No single metric tells the full story. See the HFBA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
HFB Financial Corp is a United States-based company providing a full range of banking and financial services to individuals and corporate customers, mainly in Bell County, Kentucky, and surrounding areas in Tennessee and Virginia. It offers checking, savings, money market, certificates of deposit, health savings, and individual retirement accounts, along with overdraft and card services. The Company also provides loans, online banking, investment, and insurance-related services.
54GF Score
Get the complete analysis for HFBA
Asset Turnover is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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