Home Loan Financial Corp
Home Loan Financial Corporation, a unitary thrift holding company, provides various banking products and services in the United States. The company's primary deposit products include checking, savings, and term certificate accounts; and lending products comprise residential mortgage, nonresidential mortgage, residential construction and land, commercial, and consumer loans. It also provides consu… Read more
Home Loan Financial Corp (HLFN) - Net Assets
Latest net assets as of December 2025: $45.72 Million USD
Based on the latest financial reports, Home Loan Financial Corp (HLFN) has net assets worth $45.72 Million USD as of December 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($375.98 Million) and total liabilities ($330.26 Million). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $45.72 Million |
| % of Total Assets | 12.16% |
| Annual Growth Rate | 5.27% |
| 5-Year Change | 36.2% |
| 10-Year Change | 71.99% |
| Growth Volatility | 40.89 |
Home Loan Financial Corp - Net Assets Trend (1997–2025)
This chart illustrates how Home Loan Financial Corp's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Home Loan Financial Corp (1997–2025)
The table below shows the annual net assets of Home Loan Financial Corp from 1997 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-06-30 | $43.73 Million | +12.31% |
| 2024-06-30 | $38.94 Million | +9.06% |
| 2023-06-30 | $35.70 Million | +7.86% |
| 2022-06-30 | $33.10 Million | +3.10% |
| 2021-06-30 | $32.11 Million | +4.77% |
| 2020-06-30 | $30.64 Million | +4.32% |
| 2019-06-30 | $29.38 Million | +5.83% |
| 2018-06-30 | $27.76 Million | +4.71% |
| 2017-06-30 | $26.51 Million | +4.27% |
| 2016-06-30 | $25.42 Million | +5.61% |
| 2015-06-30 | $24.07 Million | +5.33% |
| 2014-06-30 | $22.86 Million | +6.16% |
| 2013-06-30 | $21.53 Million | +6.96% |
| 2012-06-30 | $20.13 Million | +4.50% |
| 2011-06-30 | $19.26 Million | +4.01% |
| 2007-06-30 | $18.52 Million | -0.52% |
| 2006-06-30 | $18.62 Million | -18.91% |
| 2005-06-30 | $22.96 Million | +2.91% |
| 2004-06-30 | $22.31 Million | +2.76% |
| 2003-06-30 | $21.71 Million | +7.77% |
| 2002-06-30 | $20.14 Million | +4.20% |
| 2001-06-30 | $19.33 Million | -0.60% |
| 2000-06-30 | $19.45 Million | -2.27% |
| 1999-06-30 | $19.90 Million | -37.03% |
| 1998-06-30 | $31.60 Million | +204.72% |
| 1997-06-30 | $10.37 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Home Loan Financial Corp's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 279.9% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (June 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $39.39 Million | 90.07% |
| Other Comprehensive Income | $-23.09K | -0.05% |
| Other Components | $4.36 Million | 9.98% |
| Total Equity | $43.73 Million | 100.00% |
Home Loan Financial Corp Competitors by Market Cap
The table below lists competitors of Home Loan Financial Corp ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Antisense Therapeutics Limited
PINK:ATHJF
|
$26.77 Million |
|
Bluerock Homes Trust Inc.
NYSE MKT:BHM
|
$26.77 Million |
|
RTRZY
OTCGREY:RTRZY
|
$26.78 Million |
|
Shinyoung Waco
KO:005800
|
$26.78 Million |
|
GameSquare Holdings Inc.
NASDAQ:GAME
|
$26.76 Million |
|
Iqstel Inc
OTCQX:IQST
|
$26.76 Million |
|
Garo AB
ST:GARO
|
$26.75 Million |
|
LanzaTech Global Inc.
NASDAQ:LNZA
|
$26.75 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Home Loan Financial Corp's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 38,936,078 to 43,727,679, a change of 4,791,601 (12.3%).
- Net income of 7,217,125 contributed positively to equity growth.
- Dividend payments of 2,723,933 reduced retained earnings.
- Other comprehensive income increased equity by 194,662.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $7.22 Million | +16.5% |
| Dividends Paid | $2.72 Million | -6.23% |
| Other Comprehensive Income | $194.66K | +0.45% |
| Other Changes | $103.75K | +0.24% |
| Total Change | $- | 12.31% |
Book Value vs Market Value Analysis
This analysis compares Home Loan Financial Corp's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.06x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 5.97x to 1.06x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 1997-06-30 | $5.54 | $33.06 | x |
| 1998-06-30 | $16.87 | $33.06 | x |
| 1999-06-30 | $10.10 | $33.06 | x |
| 2000-06-30 | $11.32 | $33.06 | x |
| 2001-06-30 | $12.00 | $33.06 | x |
| 2002-06-30 | $13.11 | $33.06 | x |
| 2003-06-30 | $14.02 | $33.06 | x |
| 2004-06-30 | $13.87 | $33.06 | x |
| 2005-06-30 | $13.51 | $33.06 | x |
| 2006-06-30 | $12.33 | $33.06 | x |
| 2007-06-30 | $12.32 | $33.06 | x |
| 2013-06-30 | $15.42 | $33.06 | x |
| 2014-06-30 | $16.37 | $33.06 | x |
| 2015-06-30 | $17.24 | $33.06 | x |
| 2016-06-30 | $18.20 | $33.06 | x |
| 2017-06-30 | $18.97 | $33.06 | x |
| 2018-06-30 | $19.85 | $33.06 | x |
| 2019-06-30 | $20.99 | $33.06 | x |
| 2020-06-30 | $21.89 | $33.06 | x |
| 2021-06-30 | $22.92 | $33.06 | x |
| 2022-06-30 | $23.64 | $33.06 | x |
| 2023-06-30 | $25.46 | $33.06 | x |
| 2024-06-30 | $27.73 | $33.06 | x |
| 2025-06-30 | $31.13 | $33.06 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Home Loan Financial Corp utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 16.50%
- The company demonstrates strong efficiency in generating profits from shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 28.73%
- • Asset Turnover: 0.07x
- • Equity Multiplier: 8.26x
- Recent ROE (16.50%) is above the historical average (9.86%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 1997 | 5.74% | 28.19% | 0.03x | 5.82x | $-441.78K |
| 1998 | 2.85% | 16.36% | 0.07x | 2.59x | $-2.26 Million |
| 1999 | 6.53% | 18.31% | 0.07x | 5.42x | $-690.00K |
| 2000 | 5.30% | 12.08% | 0.07x | 5.85x | $-914.27K |
| 2001 | 7.25% | 14.10% | 0.08x | 6.33x | $-531.44K |
| 2002 | 7.32% | 14.86% | 0.08x | 6.57x | $-539.04K |
| 2003 | 8.63% | 17.74% | 0.07x | 6.81x | $-297.39K |
| 2004 | 8.00% | 16.97% | 0.07x | 7.17x | $-445.51K |
| 2005 | 5.62% | 19.32% | 0.04x | 7.06x | $-1.01 Million |
| 2006 | 4.06% | 11.52% | 0.04x | 8.53x | $-1.11 Million |
| 2007 | 5.50% | 16.18% | 0.04x | 8.58x | $-834.24K |
| 2011 | 9.64% | 18.85% | 0.06x | 8.43x | $-70.30K |
| 2012 | 12.12% | 24.74% | 0.06x | 8.27x | $426.10K |
| 2013 | 13.20% | 33.49% | 0.05x | 7.65x | $689.31K |
| 2014 | 12.61% | 33.71% | 0.05x | 7.44x | $596.33K |
| 2015 | 12.18% | 33.02% | 0.05x | 7.80x | $525.06K |
| 2016 | 12.62% | 30.98% | 0.05x | 7.88x | $666.88K |
| 2017 | 11.46% | 29.01% | 0.05x | 7.87x | $386.94K |
| 2018 | 11.61% | 29.26% | 0.05x | 7.40x | $445.92K |
| 2019 | 12.74% | 30.61% | 0.06x | 7.31x | $803.77K |
| 2020 | 11.72% | 28.42% | 0.05x | 7.98x | $526.49K |
| 2021 | 11.97% | 30.35% | 0.05x | 7.87x | $631.80K |
| 2022 | 12.56% | 33.34% | 0.05x | 7.69x | $846.20K |
| 2023 | 14.48% | 32.67% | 0.05x | 8.16x | $1.60 Million |
| 2024 | 14.07% | 36.42% | 0.05x | 8.49x | $1.58 Million |
| 2025 | 16.50% | 28.73% | 0.07x | 8.26x | $2.84 Million |
Industry Comparison
This section compares Home Loan Financial Corp's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $25,670,820,700
- Average return on equity (ROE) among peers: 9.44%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Home Loan Financial Corp (HLFN) | $45.72 Million | 5.74% | 7.22x | $26.77 Million |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $4.91 Billion |
| ACNB Corporation (ACNB) | $2.75 Billion | 1.01% | 0.01x | $462.57 Million |
| Addiko Bank AG (ADBKF) | $839.50 Million | 5.41% | 6.63x | $210.07 Million |
| Affinity Bancshares Inc (AFBI) | $120.97 Million | 6.26% | 5.51x | $79.94 Million |
| Absa Group Limited (AGRPF) | $19.52 Billion | 23.08% | 14.72x | $6.72 Billion |
| AIB Group plc (AIBGY) | $14.46 Billion | -16.17% | 8.45x | $21.72 Billion |
| Akbank Turk Anonim Sirketi (AKBTY) | $211.22 Billion | 31.48% | 8.02x | $8.60 Billion |
| Alpha Bank SA (ALBKY) | $7.32 Billion | 8.44% | 8.89x | $1.12 Billion |
| Community Capital Bancshares Inc (ALBY) | $9.19 Million | 7.09% | 8.66x | $19.76 Million |
| Alpine Banks of Colorado (ALPIB) | $342.89 Million | 16.92% | 10.27x | $248.47 Million |