OTC · Banks - Regional

HFB Financial Corporation (HFBA) Stock

$38.00 +0.00% OTC: HFBA Financial Services

HFB Financial Corporation, the parent company of Home Federal Bank Corporation, offers a comprehensive range of banking and financial solutions to both retail and corporate customers. The institution provides a variety of deposit accounts, including checking, savings, money market, time deposits, health savings accounts, and individual retirement accounts, alongside overdraft protection.

Valuation

MetricValue
Price$38.00
Market Cap$43.35M
P/E Ratio9.34
P/B Ratio0.81
P/S Ratio1.24
EPS (TTM)$4.07
52-Week High$41.75
52-Week Low$25.60
Dividend Yield2.16%

Financials & Margins

MetricValue
ROE9.24%
ROA0.81%
ROCE10.06%
Gross Margin67.58%
Operating Margin16.92%
Net Margin13.26%
Debt/Equity0.00
Current Ratio0.03

Annual Financials (USD)

Metric20212022202320242025
Revenue$20.0M$20.0M$20.0M$20.0M$35.0M
Operating Profit$5.0M$7.0M$4.0M$4.0M$6.0M
Net Profit$4.0M$5.0M$3.0M$3.0M$5.0M
EPS$3.09$4.15$2.69$2.23$4.07
Op Margin22.4%32.1%21.7%18.4%16.9%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$463.0M$496.0M$513.0M$561.0M$571.0M
Total Liabilities$413.0M$453.0M$467.0M$514.0M$518.0M
Cash$36.0M$16.0M$15.0M$12.0M$15.0M
Borrowings$20.0M$32.0M$13.0M$24.0M$0

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$4.0M$7.0M$4.0M$4.0M$6.0M
Investing Cash Flow$-25.0M$-68.0M$-21.0M$-54.0M$-5.0M
Financing Cash Flow$39.0M$28.0M$33.0M$34.0M$26.0M
Net Cash Flow$10.0M$-20.0M$-2.0M$-3.0M$3.0M
Free Cash Flow$4.0M$4.0M$0$1.0M$6.0M

Valuation & Return Ratios

MetricValue
PEG Ratio0.29
EV / EBITDA
FCF Yield
Quick Ratio
Interest Coverage
Return 1Y52.28%
Return 3Y25.00%
Return 5Y38.84%

Ownership

Insiders Held0.00%
Institutions Held0.00%
Institutions Float Held0.00%

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
AAPLApple Inc. $313.33 +0.29% 37.72 $4.60T 0.34%
MSFTMicrosoft Corporation $499.99 +0.03% 22.95 $3.71T 0.94%
GOOGLAlphabet Inc. $354.30 -0.96% 27.68 $4.29T 0.23%
AMZNAmazon.com, Inc. $274.48 +0.82% 28.76 $2.95T 0.00%
METAMeta Platforms, Inc. $592.10 +0.37% 21.47 $1.51T 0.35%

About HFB Financial Corporation

HFB Financial Corporation, the parent company of Home Federal Bank Corporation, offers a comprehensive range of banking and financial solutions to both retail and corporate customers. The institution provides a variety of deposit accounts, including checking, savings, money market, time deposits, health savings accounts, and individual retirement accounts, alongside overdraft protection. Its lending portfolio encompasses consumer loans (personal, recreational, auto), a full suite of mortgages (home purchase, improvement, construction, and equity loans), and commercial business financing. Beyond traditional banking, the company furnishes insurance products, such as life and long-term care coverage, as well as fixed and variable annuities. It also assists clients with financial planning, covering retirement, college funding, and estate strategies, and offers a selection of investment vehicles like mutual funds, stocks, bonds, real estate investment trusts, options, and unit investment trusts. Convenient digital services, including debit cards and online banking, are also provided. Primarily operating within Bell County, Kentucky, HFB Financial Corporation extends its services into neighboring counties and the states of Tennessee and Virginia. Established in 1920, the company maintains its headquarters in Middlesboro, Kentucky.

HFB Financial Corporation is headquartered in US.

HFB Financial Corporation (HFBA) stock trades at $38.00 with a market capitalization of $43.35M. The stock is valued at a price-to-earnings (P/E) ratio of 9.34, price-to-book of 0.81, price-to-sales of 1.24. Over the past 52 weeks the stock has ranged between $25.60 and $41.75, and currently trades 9.0% below its 52-week high. It pays a dividend yielding 2.16%.

On profitability, HFB Financial Corporation generates a return on equity (ROE) of 9.24%, return on capital employed of 10.06%, an operating margin of 16.92%, a net profit margin of 13.26%.

Official website: homefederalbanktn.com

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