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Home Loan Financial Corp
Buy, Hold or Sell?

Let's analyse Home Loan Financial Corp together

PenkeI guess you are interested in Home Loan Financial Corp. Buy, hold or sell? I don't know! However, I do recommend doing research before doing anything. I will help you with that.

I'm going to help you getting a better view of Home Loan Financial Corp. At the end you don't have to ask anyone for trading advice. You can make your own decision, with more confidence, the odds in your favor, backed by data.

You can find me behind Let's Analyse Together in the top-right of each section.

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Quick analysis of Home Loan Financial Corp (30 sec.)










What can you expect buying and holding a share of Home Loan Financial Corp? (30 sec.)

How much money do you get?

How much money do you get?
$7.66
When do you have the money?
1 year
How often do you get paid?
100.0%

What is your share worth?

Current worth
$25.46
Expected worth in 1 year
$32.82
How sure are you?
100.0%

+ What do you gain per year?

Total Gains per Share
$15.02
Return On Investment
53.5%

For what price can you sell your share?

Current Price per Share
$28.05
Expected price per share
$28.00 - $
How sure are you?
50%

1. Valuation of Home Loan Financial Corp (5 min.)




Live pricePrice per Share (EOD)

$28.05

Intrinsic Value Per Share

$25.80 - $45.13

Total Value Per Share

$51.26 - $70.60

2. Growth of Home Loan Financial Corp (5 min.)




Is Home Loan Financial Corp growing?

Current yearPrevious yearGrowGrow %
How rich?$35.7m$33m$2.6m7.3%

How much money is Home Loan Financial Corp making?

Current yearPrevious yearGrowGrow %
Making money$5.1m$4.1m$1m19.6%
Net Profit Margin32.6%33.1%--

How much money comes from the company's main activities?

3. Financial Health of Home Loan Financial Corp (5 min.)




4. Comparing to competitors in the Banks - Regional industry (5 min.)




  Industry Rankings (Banks - Regional)  

What can you expect buying and holding a share of Home Loan Financial Corp? (5 min.)

Welcome investor! Home Loan Financial Corp's management wants to use your money to grow the business. In return you get a share of Home Loan Financial Corp.

What can you expect buying and holding a share of Home Loan Financial Corp?

First you should know what it really means to hold a share of Home Loan Financial Corp. And how you can make/lose money.

Speculation

The Price per Share of Home Loan Financial Corp is $28.05. The market price reflects what other people think it is worth; not what it's really worth. Your job is to find out if the market price is fair, overpriced, or underpriced. I will help you with that.

If you buy blind, there is a 50% chance of making or losing money by selling the stock in the future. However, we can look at a few things to determine the odds in our favor:

  • The fundamentals: the financial health trends of Home Loan Financial Corp.
  • The technials: based on market psychology, we can make a calculated estimate of what the price will do in the future. We can do this through technical analysis. We can calculate the probabilities and the expected value (millionaire math). That's called speculation.
  • The book value: what is the market price compared to it's book value.

Investing

If you really want to invest in Home Loan Financial Corp, you will have to let go of the thought of selling in the future. If you have to sell the share for less than you bought it, it can still be a good investment. Focus on what it means to hold the stock forever:

  • You own a part of the company. The equity of this part can grow or shrink. The current Book Value per Share is $25.46. Based on the TTM, the Book Value Change Per Share is $1.84 per quarter. Based on the YOY, the Book Value Change Per Share is $0.71 per quarter.
  • You may receive quarterly/yearly dividend in the form of additional shares.
  • You may receive quarterly/yearly dividend in the form of cash. Based on the TTM the Dividend per Share is $1.92 per quarter.
Based on historical numbers we can estimate the returns while holding a share of Home Loan Financial Corp.

How much money are you going to get?

 MRQTTMYOY5Y10Y
 $% of Price per Share$% of Price per Share$% of Price per Share$% of Price per Share$% of Price per Share
Usd Eps3.6913.1%3.6913.1%2.9710.6%2.9310.4%2.488.8%
Usd Book Value Change Per Share1.846.6%1.846.6%0.712.5%1.405.0%1.114.0%
Usd Dividend Per Share1.926.8%1.926.8%1.816.5%1.736.2%1.475.2%
Usd Total Gains Per Share3.7513.4%3.7513.4%2.529.0%3.1311.2%2.589.2%
Usd Price Per Share28.65-28.65-33.50-31.87-19.82-
Price to Earnings Ratio7.77-7.77-11.29-11.12-7.57-
Price-to-Total Gains Ratio7.63-7.63-13.29-10.60-10.44-
Price to Book Ratio1.13-1.13-1.42-1.40-0.95-
Price-to-Total Gains Ratio7.63-7.63-13.29-10.60-10.44-

When do you get the money?

Usd Investment
$.00
Usd Price Per Share28.05
Number of shares35
Gains per QuarterTrailing 12 Months5 Year
Usd Dividend Per Share1.921.73
Usd Book Value Change Per Share1.841.40
Usd Total Gains Per Share3.753.13
Gains per Quarter (35 shares)131.41109.47
Gains per Year (35 shares)525.64437.87
YearsReturn on Investment (TTM)Return on Investment (5Y)
 DividendBook Value gainTotal gainsDividendBook Value gainTotal gains
Broker costs---10---10
1268257516242196428
25365151042484392866
380577215687265881304
41073103020949687831742
513411287262012109792180
6160915443146145211752618
7187818023672169413713056
8214620594198193615673494
9241423174724217817633932
10268225745250242019584370

How sure are you?

Based on the past periods, how sure are you to get value out of your investment.

Linear %
 Trailing 12 Months3Y5 Year10 YearALLTIME
  % % % % %
Earnings Per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%10.00.00.0100.0%24.00.00.0100.0%
Book Value Change Per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%10.00.00.0100.0%18.06.00.075.0%
Dividend per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%10.00.00.0100.0%19.00.05.079.2%
Total Gains per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%10.00.00.0100.0%19.05.00.079.2%

Fundamentals of Home Loan Financial Corp

About 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 consumer credits, such as home improvement loans, education loans, loans secured by savings accounts, motor vehicle loans, unsecured loans, and credit cards. In addition, the company sells life insurance, annuity, long-term care insurance, and investment products. It provides financial services through its main office in Coshocton, Ohio; and branch offices in Coshocton, Mount Vernon, and West Lafayette, Ohio. The company was incorporated in 1997 and is based in Coshocton, Ohio.

Fundamental data was last updated by Penke on 2024-03-10 00:20:03.

Financial Health

Profitability Details
 Compared to previous yearCompared to industry
The company is making a huge profit.
Using its assets, the company is less efficient in making profit.
Using its investors money, the company is less efficient in making profit.
Operating Efficiency Details
 Compared to previous yearCompared to industry
The company is very efficient in keeping operating costs low.
Liquidity Details
 Compared to previous yearCompared to industry
The company is unable to pay all its short-term debts.
The company is unable to pay all its short-term debts with the most liquid assets.
Solvency Details
 Compared to previous yearCompared to industry
The company is just able to pay all its debts by selling its assets.
The company is unable to pay all its debts with equity.

Valuation

Valuation Details
 Compared to previous yearCompared to industry
Based on the equity, the company is underpriced.
Based on the earnings, the company is underpriced.
Based on how much money comes from the company's main activities, the company is cheap.

1.1. Profitability of Home Loan Financial Corp.

1.1. Profitability
1.1.1. Net Profit Margin

Measures how much net profit Home Loan Financial Corp earns for each $1 of revenue.

  • Above 10% is considered healthy but always compare Home Loan Financial Corp to the Banks - Regional industry mean.
  • A Net Profit Margin of 32.6% means that $0.33 for each $1 in revenue is generated as profit.

Let's take a look of the Net Profit Margin trends of Home Loan Financial Corp:

  • The MRQ is 32.6%. The company is making a huge profit. +2
  • The TTM is 32.6%. The company is making a huge profit. +2
Trends
Current periodCompared to+/- 
MRQ32.6%TTM32.6%0.0%
TTM32.6%YOY33.1%-0.4%
TTM32.6%5Y30.8%+1.8%
5Y30.8%10Y31.9%-1.1%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ32.6%18.4%+14.2%
TTM32.6%28.0%+4.6%
YOY33.1%25.2%+7.9%
5Y30.8%22.8%+8.0%
10Y31.9%19.8%+12.1%
1.1.2. Return on Assets

Shows how efficient Home Loan Financial Corp is using its assets to generate profit.

  • Above 5% is considered healthy but always compare Home Loan Financial Corp to the Banks - Regional industry mean.
  • 1.8% Return on Assets means that Home Loan Financial Corp generated $0.02 profit for each $1 in assets.

Let's take a look of the Return on Assets trends of Home Loan Financial Corp:

  • The MRQ is 1.8%. Using its assets, the company is less efficient in making profit.
  • The TTM is 1.8%. Using its assets, the company is less efficient in making profit.
Trends
Current periodCompared to+/- 
MRQ1.8%TTM1.8%0.0%
TTM1.8%YOY1.6%+0.1%
TTM1.8%5Y1.6%+0.1%
5Y1.6%10Y1.6%+0.0%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ1.8%0.1%+1.7%
TTM1.8%0.2%+1.6%
YOY1.6%0.2%+1.4%
5Y1.6%0.2%+1.4%
10Y1.6%0.2%+1.4%
1.1.3. Return on Equity

Shows how efficient Home Loan Financial Corp is using its investors money to generate profit.

  • Above 15%-20% is considered healthy but always compare Home Loan Financial Corp to the Banks - Regional industry mean.
  • 14.5% Return on Equity means Home Loan Financial Corp generated $0.14 for each $1 the owners (shareholders) invested.

Let's take a look of the Return on Equity trends of Home Loan Financial Corp:

  • The MRQ is 14.5%. Using its investors money, the company is less efficient in making profit.
  • The TTM is 14.5%. Using its investors money, the company is less efficient in making profit.
Trends
Current periodCompared to+/- 
MRQ14.5%TTM14.5%0.0%
TTM14.5%YOY12.6%+1.9%
TTM14.5%5Y12.7%+1.8%
5Y12.7%10Y12.4%+0.3%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ14.5%1.4%+13.1%
TTM14.5%2.5%+12.0%
YOY12.6%2.7%+9.9%
5Y12.7%2.5%+10.2%
10Y12.4%2.8%+9.6%

1.2. Operating Efficiency of Home Loan Financial Corp.

1.2. Operating Efficiency
1.2.1. Operating Margin

Measures how efficient Home Loan Financial Corp is operating .

  • Measures how much profit Home Loan Financial Corp makes for each $1 of sales after paying variable costs (production costs, wages, etc) but before taxes.
  • Above 15% is considered healthy but always compare Home Loan Financial Corp to the Banks - Regional industry mean.
  • An Operating Margin of 0.0% means the company generated $0.00  for each $1 in revenue (before taxes).

Let's take a look of the Operating Margin trends of Home Loan Financial Corp:

  • The MRQ is 0.0%. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.0%
TTM-YOY-1.6%+1.6%
TTM-5Y-0.9%+0.9%
5Y-0.9%10Y-0.5%-0.5%
1.2.2. Operating Ratio

Measures how efficient Home Loan Financial Corp is keeping operating costs low.

  • Below 1 is considered healthy (always compare to Banks - Regional industry mean).
  • An Operation Ratio of 0.11 means that the operating costs are $0.11 for each $1 in net sales.

Let's take a look of the Operating Ratio trends of Home Loan Financial Corp:

  • The MRQ is 0.112. The company is very efficient in keeping operating costs low. +2
  • The TTM is 0.112. The company is very efficient in keeping operating costs low. +2
Trends
Current periodCompared to+/- 
MRQ0.112TTM0.1120.000
TTM0.112YOY0.148-0.036
TTM0.1125Y0.129-0.017
5Y0.12910Y0.361-0.232

1.3. Liquidity of Home Loan Financial Corp.

1.3. Liquidity
1.3.1. Current Ratio

Measures if Home Loan Financial Corp is able to pay off Short-term Debt.

  • Above 1.5 is considered healthy (always compare to Banks - Regional industry mean).
  • A Current Ratio of 0.05 means the company has $0.05 in assets for each $1 in short-term debts.

Let's take a look of the Current Ratio trends of Home Loan Financial Corp:

  • The MRQ is 0.053. The company is unable to pay all its short-term debts. -2
  • The TTM is 0.053. The company is unable to pay all its short-term debts. -2
Trends
Current periodCompared to+/- 
MRQ0.053TTM0.0530.000
TTM0.053YOY0.089-0.036
TTM0.0535Y0.428-0.375
5Y0.42810Y0.251+0.177
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
TTM0.0530.124-0.071
YOY0.0890.225-0.136
5Y0.4280.219+0.209
10Y0.2510.131+0.120
1.3.2. Quick Ratio

Measures if Home Loan Financial Corp is able to pay off Short-term Debt but only using the most liquid assets.

  • Above 1 is considered healthy but always compare Home Loan Financial Corp to the Banks - Regional industry mean.
  • A Quick Ratio of -0.03 means the company can pay off $-0.03 for each $1 in debt (using most liquid assets).

Let's take a look of the Quick Ratio trends of Home Loan Financial Corp:

  • The MRQ is -0.028. The company is unable to pay all its short-term debts with the most liquid assets. -2
  • The TTM is -0.028. The company is unable to pay all its short-term debts with the most liquid assets. -2
Trends
Current periodCompared to+/- 
MRQ-0.028TTM-0.0280.000
TTM-0.028YOY0.061-0.089
TTM-0.0285Y0.344-0.372
5Y0.34410Y0.179+0.166

1.4. Solvency of Home Loan Financial Corp.

1.3. Liquidity
1.4.1. Debt to Asset Ratio

Measures how much % of Home Loan Financial Corp assets are financed with debt.

  • Below 1 (100%) is considered healthy but always compare Home Loan Financial Corp to Banks - Regional industry mean.
  • A Debt to Asset Ratio of 0.88 means that Home Loan Financial Corp assets are financed with 87.7% credit (debt) and the remaining percentage (100% - 87.7%) is financed by its owners/shareholders. 

Let's take a look of the Debt to Asset Ratio trends of Home Loan Financial Corp:

  • The MRQ is 0.877. The company is just able to pay all its debts by selling its assets.
  • The TTM is 0.877. The company is just able to pay all its debts by selling its assets.
Trends
Current periodCompared to+/- 
MRQ0.877TTM0.8770.000
TTM0.877YOY0.870+0.007
TTM0.8775Y0.872+0.006
5Y0.87210Y0.871+0.001
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.8770.915-0.038
TTM0.8770.917-0.040
YOY0.8700.919-0.049
5Y0.8720.919-0.047
10Y0.8710.927-0.056
1.4.2. Debt to Equity Ratio

Measures if Home Loan Financial Corp is able to pay off its debts by using shareholders equity.

  • Below 2 is considered healthy but always compare Home Loan Financial Corp to the Banks - Regional industry mean.
  • A Debt to Equity ratio of 715.6% means that company has $7.16 debt for each $1 in shareholders equity.

Let's take a look of the Debt to Equity Ratio trends of Home Loan Financial Corp:

  • The MRQ is 7.156. The company is unable to pay all its debts with equity. -1
  • The TTM is 7.156. The company is unable to pay all its debts with equity. -1
Trends
Current periodCompared to+/- 
MRQ7.156TTM7.1560.000
TTM7.156YOY6.691+0.465
TTM7.1565Y6.802+0.354
5Y6.80210Y6.740+0.062
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ7.15610.829-3.673
TTM7.15611.013-3.857
YOY6.69111.363-4.672
5Y6.80211.437-4.635
10Y6.74013.038-6.298

2. Market Valuation of Home Loan Financial Corp

2.1. Earnings Per Share
2.1. Price to Earnings Ratio

Measures how much money you pay for each share for every $1 in earnings Home Loan Financial Corp generates.

  • Above 15 is considered overpriced but always compare Home Loan Financial Corp to the Banks - Regional industry mean.
  • A PE ratio of 7.77 means the investor is paying $7.77 for every $1 in earnings.

Let's take a look of the Price to Earnings Ratio trends of Home Loan Financial Corp:

  • The EOD is 7.606. Based on the earnings, the company is underpriced. +1
  • The MRQ is 7.769. Based on the earnings, the company is underpriced. +1
  • The TTM is 7.769. Based on the earnings, the company is underpriced. +1
Trends
Current periodCompared to+/- 
EOD7.606MRQ7.769-0.163
MRQ7.769TTM7.7690.000
TTM7.769YOY11.293-3.524
TTM7.7695Y11.121-3.352
5Y11.12110Y7.569+3.551
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD7.6067.491+0.115
MRQ7.7696.680+1.089
TTM7.7695.295+2.474
YOY11.2936.943+4.350
5Y11.1219.770+1.351
10Y7.5699.943-2.374
2.2. Price To Free Cash Flow Ratio

Let's take a look of the Price To Free Cash Flow Ratio trends of Home Loan Financial Corp:

  • The EOD is 6.689. Based on how much money comes from the company's main activities, the company is cheap. +2
  • The MRQ is 6.832. Based on how much money comes from the company's main activities, the company is cheap. +2
  • The TTM is 6.832. Based on how much money comes from the company's main activities, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD6.689MRQ6.832-0.143
MRQ6.832TTM6.8320.000
TTM6.832YOY11.592-4.760
TTM6.8325Y13.737-6.905
5Y13.73710Y8.743+4.994
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD6.689-2.094+8.783
MRQ6.832-1.868+8.700
TTM6.832-0.342+7.174
YOY11.5926.448+5.144
5Y13.7370.429+13.308
10Y8.7430.091+8.652
2. Book Value per Share
2.3. Price to Book Ratio

Measures if the stock price of Home Loan Financial Corp is to cheap or to expensive compared to its book value.

  • At or below 1 is considered healthy (always compare to Banks - Regional industry mean).
  • A PB ratio of 1.13 means the investor is paying $1.13 for each $1 in book value.

Let's take a look of the Price to Book Ratio trends of Home Loan Financial Corp:

  • The EOD is 1.102. Based on the equity, the company is underpriced. +1
  • The MRQ is 1.125. Based on the equity, the company is underpriced. +1
  • The TTM is 1.125. Based on the equity, the company is underpriced. +1
Trends
Current periodCompared to+/- 
EOD1.102MRQ1.125-0.024
MRQ1.125TTM1.1250.000
TTM1.125YOY1.418-0.293
TTM1.1255Y1.398-0.272
5Y1.39810Y0.947+0.450
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD1.1020.433+0.669
MRQ1.1250.386+0.739
TTM1.1250.470+0.655
YOY1.4180.642+0.776
5Y1.3980.795+0.603
10Y0.9471.025-0.078
2. Total Gains per Share

3. Summary

3.1. Key Performance Indicators

The key performance indicators of Home Loan Financial Corp compared to the Most Recent Quarter (MRQ).

 End of day+/-Most Recent QuarterTrailing 12 Months+/-Year-Over-Year+/-5 Year+/-10 Year+/-
Book Value Change Per Share--1.8391.8390%0.710+159%1.399+31%1.114+65%
Book Value Per Share--25.46325.4630%23.624+8%22.968+11%19.909+28%
Current Ratio--0.0530.0530%0.089-40%0.428-88%0.251-79%
Debt To Asset Ratio--0.8770.8770%0.870+1%0.872+1%0.871+1%
Debt To Equity Ratio--7.1567.1560%6.691+7%6.802+5%6.740+6%
Dividend Per Share--1.9161.9160%1.810+6%1.729+11%1.467+31%
Eps--3.6883.6880%2.966+24%2.926+26%2.480+49%
Free Cash Flow Per Share--4.1934.1930%2.890+45%2.852+47%2.485+69%
Free Cash Flow To Equity Per Share--25.89525.8950%0.936+2667%12.028+115%8.749+196%
Gross Profit Margin--1.0001.0000%0.007+14860%0.186+438%0.593+69%
Intrinsic Value_10Y_max--45.133--------
Intrinsic Value_10Y_min--25.802--------
Intrinsic Value_1Y_max--3.220--------
Intrinsic Value_1Y_min--2.536--------
Intrinsic Value_3Y_max--10.667--------
Intrinsic Value_3Y_min--7.708--------
Intrinsic Value_5Y_max--19.311--------
Intrinsic Value_5Y_min--12.937--------
Market Cap39300855.000-2%40170021.75040170021.7500%46936850.000-14%44654555.050-10%28172444.525+43%
Net Profit Margin--0.3260.3260%0.331-1%0.308+6%0.319+2%
Operating Margin----0%-0.0160%-0.0090%-0.0050%
Operating Ratio--0.1120.1120%0.148-24%0.129-13%0.361-69%
Pb Ratio1.102-2%1.1251.1250%1.418-21%1.398-19%0.947+19%
Pe Ratio7.606-2%7.7697.7690%11.293-31%11.121-30%7.569+3%
Price Per Share28.050-2%28.65028.6500%33.500-14%31.867-10%19.823+45%
Price To Free Cash Flow Ratio6.689-2%6.8326.8320%11.592-41%13.737-50%8.743-22%
Price To Total Gains Ratio7.471-2%7.6317.6310%13.292-43%10.595-28%10.439-27%
Quick Ratio---0.028-0.0280%0.061-146%0.344-108%0.179-116%
Return On Assets--0.0180.0180%0.016+9%0.016+9%0.016+11%
Return On Equity--0.1450.1450%0.126+15%0.127+14%0.124+17%
Total Gains Per Share--3.7553.7550%2.520+49%3.128+20%2.581+45%
Usd Book Value--35701286.00035701286.0000%33099932.000+8%32185012.000+11%28754866.400+24%
Usd Book Value Change Per Share--1.8391.8390%0.710+159%1.399+31%1.114+65%
Usd Book Value Per Share--25.46325.4630%23.624+8%22.968+11%19.909+28%
Usd Dividend Per Share--1.9161.9160%1.810+6%1.729+11%1.467+31%
Usd Eps--3.6883.6880%2.966+24%2.926+26%2.480+49%
Usd Free Cash Flow--5879535.0005879535.0000%4048981.000+45%3997342.400+47%3590535.400+64%
Usd Free Cash Flow Per Share--4.1934.1930%2.890+45%2.852+47%2.485+69%
Usd Free Cash Flow To Equity Per Share--25.89525.8950%0.936+2667%12.028+115%8.749+196%
Usd Market Cap39300855.000-2%40170021.75040170021.7500%46936850.000-14%44654555.050-10%28172444.525+43%
Usd Price Per Share28.050-2%28.65028.6500%33.500-14%31.867-10%19.823+45%
Usd Profit--5170681.0005170681.0000%4156193.000+24%4100263.400+26%3578488.500+44%
Usd Revenue--15851956.00015851956.0000%12568624.000+26%13260538.000+20%11270169.300+41%
Usd Total Gains Per Share--3.7553.7550%2.520+49%3.128+20%2.581+45%
 EOD+4 -4MRQTTM+0 -0YOY+26 -95Y+27 -810Y+27 -8

3.2. Fundamental Score

Let's check the fundamental score of Home Loan Financial Corp based on Penke's default stock scanner.

Penke's Stock Scanner

  
  
IndicatorConditionValue
Price to Earnings Ratio (EOD)Between0-157.606
Price to Book Ratio (EOD)Between0-11.102
Net Profit Margin (MRQ)Greater than00.326
Operating Margin (MRQ)Greater than00.000
Quick Ratio (MRQ)Greater than1-0.028
Current Ratio (MRQ)Greater than10.053
Debt to Asset Ratio (MRQ)Less than10.877
Debt to Equity Ratio (MRQ)Less than17.156
Return on Equity (MRQ)Greater than0.150.145
Return on Assets (MRQ)Greater than0.050.018
Total3/10 (30.0%)

3.3. Technical Score

Let's check the technical score of Home Loan Financial Corp based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5045.619
Ma 20Greater thanMa 5028.138
Ma 50Greater thanMa 10028.108
Ma 100Greater thanMa 20028.329
OpenGreater thanClose28.050
Total1/5 (20.0%)



Reversals in quarterly reports

I have detected a reversal (positive to negative, negative to positive) in the following values of the quarterly reports.

 2019-06-302020-06-302021-06-302022-06-302023-06-30
Cash And Cash Equivalents  3,40831,13434,54222934,771-28,6626,109-10,978-4,868
Cash and Short Term Investments  3,40831,13434,54222934,771-28,6626,109-10,978-4,868



Latest Balance Sheet

Balance Sheet of 2023-06-30. All numbers in thousands.

Summary
Total Assets291,172
Total Liabilities255,471
Total Stockholder Equity35,701
 As reported
Total Liabilities 255,471
Total Stockholder Equity+ 35,701
Total Assets = 291,172

Assets

Total Assets291,172
Total Current Assets9,293
Long-term Assets281,879
Total Current Assets
Cash And Cash Equivalents -4,868
Other Current Assets 9,293
Total Current Assets  (as reported)9,293
Total Current Assets  (calculated)4,425
+/- 4,868
Long-term Assets
Property Plant Equipment 3,306
Long-term Assets Other 273,259
Long-term Assets  (as reported)281,879
Long-term Assets  (calculated)276,565
+/- 5,314

Liabilities & Shareholders' Equity

Total Current Liabilities175,213
Long-term Liabilities80,258
Total Stockholder Equity35,701
Total Current Liabilities
Short-term Debt 30,532
Other Current Liabilities 144,682
Total Current Liabilities  (as reported)175,213
Total Current Liabilities  (calculated)175,213
+/-0
Long-term Liabilities
Long-term Liabilities  (as reported)80,258
Long-term Liabilities  (calculated)0
+/- 80,258
Total Stockholder Equity
Retained Earnings 32,116
Accumulated Other Comprehensive Income -589
Other Stockholders Equity 4,174
Total Stockholder Equity (as reported)35,701
Total Stockholder Equity (calculated)35,701
+/-0
Other
Cash and Short Term Investments -4,868
Common Stock Shares Outstanding 1,402
Liabilities and Stockholders Equity 291,172
Net Debt 36,904
Net Working Capital -165,920
Short Long Term Debt Total 32,036



Balance Sheet

All numbers in thousands.

 Trend2023-06-302022-06-302021-06-302020-06-302019-06-302018-06-302017-06-302016-06-302015-06-302014-06-302013-06-302012-06-302011-06-302007-06-302006-06-302005-06-302004-06-302003-06-302002-06-302001-06-302000-06-301999-06-301998-06-301997-06-30
> Total Assets 
60,401
81,900
107,900
113,731
122,398
132,281
147,783
160,030
162,053
158,826
158,962
162,356
166,562
164,594
170,065
187,875
200,260
208,646
205,387
214,722
244,670
252,627
254,569
291,172
291,172254,569252,627244,670214,722205,387208,646200,260187,875170,065164,594166,562162,356158,962158,826162,053160,030147,783132,281122,398113,731107,90081,90060,401
   > Total Current Assets 
4,968
10,200
9,100
2,821
3,212
3,583
4,751
3,994
6,559
8,648
7,981
0
0
0
9,565
12,840
13,735
15,583
4,254
5,263
36,784
36,627
8,892
9,293
9,2938,89236,62736,7845,2634,25415,58313,73512,8409,5650007,9818,6486,5593,9944,7513,5833,2122,8219,10010,2004,968
       Cash And Cash Equivalents 
4,681
9,700
8,600
2,236
2,598
2,932
4,012
3,275
5,744
7,682
7,041
8,652
11,201
8,596
5,027
9,158
11,651
14,121
2,716
3,408
34,542
34,771
6,109
-4,868
-4,8686,10934,77134,5423,4082,71614,12111,6519,1585,0278,59611,2018,6527,0417,6825,7443,2754,0122,9322,5982,2368,6009,7004,681
       Short-term Investments 
0
0
0
103
177
216
261
240
0
0
0
589
2,340
3,515
3,329
2,590
1,349
850
850
850
0
0
0
0
00008508508501,3492,5903,3293,5152,340589000240261216177103000
       Net Receivables 
287
500
500
585
614
652
738
719
815
966
940
0
0
0
0
0
0
0
0
0
0
0
0
0
0000000000000940966815719738652614585500500287
       Other Current Assets 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
862
1,004
735
611
688
5,263
36,784
36,627
8,892
9,293
9,2938,89236,62736,7845,2636886117351,00486200000000000000
   > Long-term Assets 
5,528
14,500
23,900
22,989
15,810
15,431
18,605
18,808
18,177
16,339
16,684
0
0
0
0
0
0
0
0
209,459
207,886
216,000
245,678
281,879
281,879245,678216,000207,886209,4590000000016,68416,33918,17718,80818,60515,43115,81022,98923,90014,5005,528
       Property Plant Equipment 
524
500
700
1,149
1,083
1,279
1,218
1,381
2,229
2,481
3,249
3,177
3,069
3,013
2,919
2,812
2,695
2,566
2,501
2,544
2,519
2,433
3,287
3,306
3,3063,2872,4332,5192,5442,5012,5662,6952,8122,9193,0133,0693,1773,2492,4812,2291,3811,2181,2791,0831,149700500524
       Long Term Investments 
0
0
0
0
0
127,097
141,310
151,228
0
0
0
0
0
0
5,514
5,017
6,024
6,009
4,625
5,246
0
0
0
0
00005,2464,6256,0096,0245,0175,514000000151,228141,310127,09700000
       Intangible Assets 
0
0
0
0
0
0
0
0
0
0
0
63
99
162
153
180
164
157
0
128
207
447
469
0
04694472071280157164180153162996300000000000
       Long-term Assets Other 
-5,528
-14,500
-23,900
-22,989
-15,810
-15,431
-18,605
-18,808
-18,177
-16,339
-16,684
0
0
0
0
0
0
0
0
6,274
6,580
6,870
7,122
273,259
273,2597,1226,8706,5806,27400000000-16,684-16,339-18,177-18,808-18,605-15,431-15,810-22,989-23,900-14,500-5,528
> Total Liabilities 
0
500
88,000
29,072
31,538
29,393
126,072
137,721
139,094
140,208
140,442
143,093
146,433
143,065
147,209
163,801
174,836
182,135
177,628
185,347
214,027
220,522
221,470
255,471
255,471221,470220,522214,027185,347177,628182,135174,836163,801147,209143,065146,433143,093140,442140,208139,094137,721126,07229,39331,53829,07288,0005000
   > Total Current Liabilities 
0
500
14,100
29,072
31,538
29,393
580
4,454
565
779
844
0
0
0
128,281
139,514
151,892
176,894
162,242
3,565
130,889
150,486
100,293
175,213
175,213100,293150,486130,8893,565162,242176,894151,892139,514128,2810008447795654,45458029,39331,53829,07214,1005000
       Short-term Debt 
0
0
13,600
28,625
30,925
28,802
38,720
3,950
0
0
0
0
0
0
18,876
24,208
750
16,623
15,149
3,170
642
504
418
30,532
30,5324185046423,17015,14916,62375024,20818,8760000003,95038,72028,80230,92528,62513,60000
       Short Long Term Debt 
0
0
0
0
0
28,802
38,720
8,358
0
0
0
0
0
0
18,876
24,208
750
16,623
15,149
3,170
0
0
0
0
00003,17015,14916,62375024,20818,8760000008,35838,72028,80200000
       Accounts payable 
0
500
500
447
613
591
580
504
565
779
844
129,525
131,305
126,617
127,428
138,399
149,963
159,117
161,087
174,950
206,605
214,976
215,279
0
0215,279214,976206,605174,950161,087159,117149,963138,399127,428126,617131,305129,5258447795655045805916134475005000
       Other Current Liabilities 
0
-500
-14,100
-29,072
-31,538
-29,393
-580
-4,454
-565
-779
-844
0
0
0
0
0
0
0
0
395
130,247
149,982
99,875
144,682
144,68299,875149,982130,24739500000000-844-779-565-4,454-580-29,393-31,538-29,072-14,100-5000
   > Long-term Liabilities 
0
0
17,000
0
0
0
38,720
44,806
45,145
37,082
28,508
0
0
0
0
0
0
0
0
181,781
83,138
70,036
121,176
80,258
80,258121,17670,03683,138181,7810000000028,50837,08245,14544,80638,72000017,00000
       Other Liabilities 
0
0
0
706
968
3,561
1,399
1,111
0
0
0
1,177
1,125
1,078
905
78
138
192
237
291
440
0
758
0
07580440291237192138789051,0781,1251,1770001,1111,3993,561968706000
> Total Stockholder Equity
10,370
31,600
19,900
19,449
19,332
20,145
21,710
22,309
22,959
18,618
18,521
19,263
20,129
21,529
22,856
24,074
25,425
26,511
27,758
29,375
30,643
32,105
33,100
35,701
35,70133,10032,10530,64329,37527,75826,51125,42524,07422,85621,52920,12919,26318,52118,61822,95922,30921,71020,14519,33219,44919,90031,60010,370
   Retained Earnings 
10,366
11,300
12,200
12,666
13,315
13,831
14,514
14,723
14,463
14,006
13,432
15,024
16,111
17,508
18,838
20,053
21,389
22,467
23,728
25,284
26,522
28,012
29,632
32,116
32,11629,63228,01226,52225,28423,72822,46721,38920,05318,83817,50816,11115,02413,43214,00614,46314,72314,51413,83113,31512,66612,20011,30010,366
   Accumulated Other Comprehensive Income 
4
0
0
-3,311
-2,224
-1,601
-880
-1,104
-581
-582
-130
0
0
0
0
0
0
0
0
8
19
-18
-653
-589
-589-653-1819800000000-130-582-581-1,104-880-1,601-2,224-3,311004
   Capital Surplus 000000000000000000000000
   Treasury Stock000000-10,974-10,965-11,026-11,026-11,000-11,026-10,805000-5,818-6,091-6,186-5,841-6,695000



Balance Sheet

All numbers in thousands.




Cash Flow

Currency in USD. All numbers in thousands.




Income Statement

All numbers in thousands.


Latest Income Statement (annual, 2023-06-30)

Gross Profit (+$)
totalRevenue15,852
Cost of Revenue-0
Gross Profit15,85215,852
 
Operating Income (+$)
Gross Profit15,852
Operating Expense-1,782
Operating Income6,52014,069
 
Operating Expense (+$)
Research Development0
Selling General Administrative0
Selling And Marketing Expenses0
Operating Expense1,7820
 
Net Interest Income (+$)
Interest Income0
Interest Expense-809
Other Finance Cost-809
Net Interest Income0
 
Pretax Income (+$)
Operating Income6,520
Net Interest Income0
Other Non-Operating Income Expenses0
Income Before Tax (EBT)6,5200
EBIT - interestExpense = -809
6,520
5,980
Interest Expense809
Earnings Before Interest and Taxes (EBIT)07,329
Earnings Before Interest and Taxes (EBITDA)195
 
After tax Income (+$)
Income Before Tax6,520
Tax Provision-0
Net Income From Continuing Ops06,520
Net Income5,171
Net Income Applicable To Common Shares0
 
Non-recurring Events
Discontinued Operations0
Extraordinary Items0
Effect of Accounting Charges0
Other Items0
Non Recurring0
Other Operating Expenses9,332
Total Other Income/Expenses Net6,5200
 

Technical Analysis of Home Loan Financial Corp
The psychology behind the price

Technical indicators reflecting market sentiment and the collective psychology of you and other traders. Your emotions and other traders' emotions, such as fear and greed, play a significant role in driving price movements.

General trend

First of all, I'm going to put something in the back of your mind. One of the most stable factors that gives you more confidence as a trader: the general trend of Home Loan Financial Corp. The general trend of Home Loan Financial Corp is BEARISH with 57.1% confidence. It is very important for your mental being to use each indicator with this in mind. But beware, also the general trend flips once in a while! You can use moving averages to determine Home Loan Financial Corp's overall trend. For convenience I use the most commonly used moving averages: 20, 50, 100 & 200. Of course you can use other moving averages or other indicators to determine the trend.

Indicator phases

Some of the indicators I use have 3 zones: overbought, oversold and neutral. Transitions between these zones (market phases) provide valuable trading signals and insights. Expecially with the general trend mind, I use the highlighted phases:

Indicator zone transitionsBullish trend (-57.1%) Bearish trend (57.1%)
Overbought to neutralBullish pullback=Bearish reversal
Upper to lower neutralBullish correction=Bearish continuation
Nuetral to oversoldOversold=Oversold
Oversold to neutralBullish reversal=Bearish correction
Lower to upper neutralBullish continuation=Bearish pullback
Nuetral to overboughtOverbought=Overbought

1. Price Targets

1.1 Support & Resistance

Support and resistance are levels on a price chart that act as barriers or zones where the price of an asset tends to stop, reverse, or experience a significant amount of buying or selling pressure.

Support is a price level at which demand for an asset is strong enough to prevent the price from falling further.
Resistance is a price level at which selling pressure becomes significant enough to prevent the price of an asset from rising further.


Score

Let's take a look at the Support & Resistance of Home Loan Financial Corp.

The long score for the Support & Resistance is 1/1.
The longshort score for the Support & Resistance is 1/(-1 +1).

  • Around support: The price is currently trading around a support level. This can be considered as a potential entry level. +1

The bullish price targets are: < < .

The bearish price targets are: 28.00 > 28.00 > 28.00.

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Home Loan Financial Corp Daily Support & Resistance Chart

2. Trend Indicators

2.1 Moving Averages

Shows the moving average of the selected period.

  • Moving averages are lagging trend indicators.
  • There are many types of moving averages.
  • Moving averages are also used within other indicators.

Score

Let's take a look at the Moving Averages of Home Loan Financial Corp. The current mas is .

The long score for the Moving Averages is 3/14.
The longshort score for the Moving Averages is -8/(-14 +14).

  • MA 20 trending up: The MA 20 is trending up. +1
  • Close < MA 20: The price is below the MA 20. -1
  • MA 20 > MA 50: The MA 20 is higher than the MA 50. +1
  • MA 20 < MA 100: The MA 20 is lower than the MA 100. -1
  • MA 20 < MA 200: The MA 20 is lower than the MA 200. -1
  • MA 50 trending up: The MA 50 is trending up. +1
  • Close < MA 50: The price is below the MA 50. -1
  • MA 50 < MA 100: The MA 50 is lower than the MA 100. -1
  • MA 50 < MA 200: The MA 50 is lower than the MA 200. -1
  • MA 100 trending down: The MA 100 is trending down. -1
  • Close < MA 100: The price is below the MA 100. -1
  • MA 100 < MA 200: The MA 100 is lower than the MA 200. -1
  • MA 200 trending down: The MA 200 is trending down. -1
  • Close < MA 200: The price is below the MA 200. -1

Directionalities and relatives.

Moving AverageAmount of candlesTrendPrice +/-vs. MA 50vs. MA 100vs. MA 200
MA 2020
MA 5050-
MA 100100--
MA 200200---

Explanation: https://www.youtube.com/watch?v=xwW8h0lrQ-I

Home Loan Financial Corp Daily Moving Averages Chart
2.2 Moving Average Convergence/Divergence (MACD)

Shows the momentum of the selected period based on two moving averages.

  • MACD is a lagging momentum indicator.
  • Uses two moving averages.
  • Can show buy or sell signals based on momentum.
  • Can show overbought. and oversold. levels.

Score

Let's take a look at the Moving Average Convergence/Divergence (MACD) of Home Loan Financial Corp. The current macd is -0.03730232.

The long score for the Moving Average Convergence/Divergence (MACD) is 1/4.
The longshort score for the Moving Average Convergence/Divergence (MACD) is -2/(-4 +4).

  • MACD line < signal line: The MACD line is below the signal line, which indicates a bearish signal in the market. This means that the negative momentum is currently stronger than the average momentum, suggesting that sellers are more active than buyers, and there's a higher probability of the Home Loan Financial Corp price going down in the near term. -2
  • MACD < 0: The MACD is below the zero line (centerline), it indicates a bearish signal for Home Loan Financial Corp. This means that the short-term moving average is lower than the long-term moving average, signaling negative momentum and suggesting a higher likelihood of the Home Loan Financial Corp price continuing to fall in the near future. It indicates that sellers are gaining control, and there is negativism in the market, leading to potential price decreases. -1
  • Trending up: The MACD line is trending up. This indicates that the short-term moving average is rising faster than the long-term moving average, suggesting positive momentum in the market. This signals that buyers are becoming more active and confident, leading to potential price increases as traders anticipate further gains and are willing to buy at higher prices. +1
Home Loan Financial Corp Daily Moving Average Convergence/Divergence (MACD) ChartHome Loan Financial Corp Daily Moving Average Convergence/Divergence (MACD) Chart
2.3 Directional Movement Index (DMI)

The DMI is a collection of 3 indicators: +DI (Plus Direction Indicator), -DI (Minus Direction Indicator) and ADX (Average Directional Index). The ADX helps you determine the strength of a trend.


Score

Let's take a look at the Directional Movement Index (DMI) of Home Loan Financial Corp. The current adx is 24.19.

The long score for the Directional Movement Index (DMI) is 0/7.
The longshort score for the Directional Movement Index (DMI) is -1/(-7 +7).

  • PLUS_ID < MINUS_DI: The +DI line is below the -DI line. This indicates a bearish signal in the market, as the negative directional movement is currently stronger than the positive directional movement, showing that sellers have the upper hand. Market psychology suggests that traders are pessimistic, expecting further price decreases, and are more willing to sell Home Loan Financial Corp shares, leading to potential downward momentum in its price. -1
  • PLUS_ID < MINUS_DI && ADX < 25 && ADX trending down: The ADX is below 25 and indicates a weak or no trend. Also, the ADX is declining so there is no trend indication.
Home Loan Financial Corp Daily Directional Movement Index (DMI) Chart
2.4 Parabolic SAR

Shows the current trend and potential entry and exit signals.

  • Parabolic SAR (stop and reverse) is a lagging trend indicator.
  • Shows the current trend.
  • Shows potential entry signals.
  • Shows  potential exit signals.
  • Can be used to place trailing stoplosses..

Score

Let's take a look at the Parabolic SAR of Home Loan Financial Corp. The current sar is 28.67.

The long score for the Parabolic SAR is 0/1.
The longshort score for the Parabolic SAR is -1/(-1 +1).

  • Close < SAR: The price is below the SAR. It's generally considered a bearish signal. -1
Home Loan Financial Corp Daily Parabolic SAR Chart

3. Momentum Indicators

3.1 Relative Strength Index (RSI)

Measures the speed and change of price movements.

  • Leading momentum indicator, meaning the signals are instant.
  • Ranges between 0 and 100.
  • Above 70 is considered overbought.
  • Below 30 is considered oversold.
  • Above or below 50 can also be used to determine price trend or support and resistance.
  • RSI divergence looks at a deviation between RSI and price movement. Penketrading automatically calculates RSI divergences.
  • Can be used in many different ways

Score

Let's take a look at the Relative Strength Index (RSI) of Home Loan Financial Corp. The current rsi is 45.62. The current phase is Continuation in bear market.

The long score for the Relative Strength Index (RSI) is 0/13.
The longshort score for the Relative Strength Index (RSI) is -3/(-13 +13).

  • Continuation in bear market: Downtrend continues after a consolidation or pullback. Hold or add to short positions.
Home Loan Financial Corp Daily Relative Strength Index (RSI) ChartHome Loan Financial Corp Daily Relative Strength Index (RSI) Chart
3.2 Stochastic Oscillator

Compares a certain price to multiple prices ranging over time.

  • Leading momentum indicator, meaning the signals are instant.
  • Used to determine overbought and oversold areas much like the RSI.
  • Ranges between 0 and 100.
  • Above 80 is considered overbought.
  • Below 20 is considered oversold.
  • Consists of two lines named K and D.
  • K compares the highest high and lowest low on the selected price range.
  • The D line is a moving average of the K line.
  • Can be used to spot divergences

Score

Let's take a look at the Stochastic Oscillator of Home Loan Financial Corp. The current phase is Overbought in bear market.

The long score for the Stochastic Oscillator is 6/6.
The longshort score for the Stochastic Oscillator is 6/(-6 +6).

  • STOCH > 50: The STOCH %K is above 50. There are more buyers than sellers. +1
  • STOCH > 80: The STOCH %K is above 80 and overbought. +2
  • STOCH %K line > STOCH %D line: The STOCH %K line is above the STOCH %D line, which indicates a bullish signal in the market. This means that the positive momentum is currently stronger than the average momentum, suggesting that buyers are more active than sellers, and there's a higher probability of the Home Loan Financial Corp price going up in the near term. +2
  • Trending up: The STOCH %K is trending up. +1
Home Loan Financial Corp Daily Stochastic Oscillator ChartHome Loan Financial Corp Daily Stochastic Oscillator Chart
3.3 Commodity Channel Index (CCI)

Measures the difference between the current price and the historical average price.

  • Lagging or leading Momentum indicator
  • When the CCI is above zero, the price is above the historical average
  • When the CCI is below zero, the price is below the historical average
  • Used for spotting trends
    • If the CCI moves from negative or near zero to positive 100 that might indicate an uptrend
    • If the CCI moves from positive or near zero to negative -100 that might indicate a downtrend

Score

Let's take a look at the Commodity Channel Index (CCI) of Home Loan Financial Corp. The current cci is -31.74603175.

Home Loan Financial Corp Daily Commodity Channel Index (CCI) ChartHome Loan Financial Corp Daily Commodity Channel Index (CCI) Chart
3.4 Chande Momentum Oscillator (CMO)

Measures the difference between the sum of recent gains and the sum of recent losses. Then divides the result by the sum of all price movements in that period.

  • Lagging momentum indicator
  • Ranges between +100 and -100
  • Considered overbought above +50
  • Considered oversold below -50
  • It's possible to add a moving average that acts as a signal line

Score

Let's take a look at the Chande Momentum Oscillator (CMO) of Home Loan Financial Corp. The current cmo is -12.11388122.

The long score for the Chande Momentum Oscillator (CMO) is 0/1.
The longshort score for the Chande Momentum Oscillator (CMO) is -1/(-1 +1).

  • CMO < 0: The CMO is below 0, the momentum of the price is negative, indicating a potential downtrend in the price. -1
Home Loan Financial Corp Daily Chande Momentum Oscillator (CMO) ChartHome Loan Financial Corp Daily Chande Momentum Oscillator (CMO) Chart
3.5 Williams %R

 Shows the current price relative to the highest high over the last 14 days.
 

  • Lagging momentum indicator
  • Ranging between 0 and -100
  • Above -20 is considered overbought
  • Below -80 is considered oversold
  • Is prone to give false signals

Score

Let's take a look at the Williams %R of Home Loan Financial Corp. The current willr is 0.

The long score for the Williams %R is 1/1.
The longshort score for the Williams %R is 1/(-1 +1).

  • WILLR > -20: The Williams %R is above -20. This indicates that the price is in overbought territory, suggesting a potential price correction or trend reversal to the downside. +1
Home Loan Financial Corp Daily Williams %R ChartHome Loan Financial Corp Daily Williams %R Chart

4. Volatility Indicators

4.1 Bollinger Bands

Shows if the price is to high or to low relative to an average.

  • Lagging volatility indicator
  • Uses 3 bands: one upper, one lower and one in the middle
  • Works best when the middle band reflects an intermediate trend (MA20).
  • When the price is moving closer to the upper band, the market might be overbought
  • When the price is moving closer to the lower band, the market might be oversold 

Score

Let's take a look at the Bollinger Bands of Home Loan Financial Corp.

Home Loan Financial Corp Daily Bollinger Bands Chart
4.2 Average True Range (ATR)
Measures market volatility
  • Leading volatility indicator
  • Can be used to determine stop-loss positions
  • Calculated by:
    • Current high minus the current low
    • Current high minus the previous close
    • Current low minus the previous close
  • The larger the range of the candles, the greater the ATR value

Score

Let's take a look at the Average True Range (ATR) of Home Loan Financial Corp. The current atr is 0.05575834.

Home Loan Financial Corp Daily Average True Range (ATR) ChartHome Loan Financial Corp Daily Average True Range (ATR) Chart

5. Volume Indicators

5.1 On-Balance Volume (OBV)

 Measures market volatility

  • Leading momentum indicator
  • Calculation:
    • If the closing price is above the previous closing price: OBV = previous OBV + current volume
    • If the closing price is below the previous closing price: OBV = previous OBV - current volume
    • If the closing price is the same as the previous closing price than the OBV is the same.
  • Can be used to confirm price trends
  • Can be used with divergences

Score

Let's take a look at the On-Balance Volume (OBV) of Home Loan Financial Corp. The current obv is -1,719.

Home Loan Financial Corp Daily On-Balance Volume (OBV) ChartHome Loan Financial Corp Daily On-Balance Volume (OBV) Chart
5.2 Money Flow Index (MFI)

Measures the flow of money in and out of a security

  • Lagging momentum indicator
  • Looks like RSI but uses volume as an extra metric (RSI only considers price)
  • Above 80 is considered overbought
  • Below 20 is considered oversold
  • Can be used with divergences

Score

Let's take a look at the Money Flow Index (MFI) of Home Loan Financial Corp. The current mfi is 12.52.

The long score for the Money Flow Index (MFI) is 0/2.
The longshort score for the Money Flow Index (MFI) is -2/(-2 +2).

  • MFI < 50: -1
  • MFI < 20: -1
Home Loan Financial Corp Daily Money Flow Index (MFI) ChartHome Loan Financial Corp Daily Money Flow Index (MFI) Chart

6. Summary

6.1. Notifications

TypeNotificationDate
PenkeCurrently no notifications for Home Loan Financial Corp.

6.2. Trading Signals

Below you will find trading signals as the indicator is commonly used. This doesn't mean you should use it that way. Learn from these, but don't use them blindly. I recommend using at least 4 indicators, 1 from each category: trend, momentum, volatility and volume.

DateIndicatorSignal
2023-11-03WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2023-11-06MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
RSI LONG ENTRY SHORT CLOSE30 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2023-11-08STOCH LONG EXITThe %K line crosses below the %D line.
2023-11-10CCI LONG ENTRY SHORT CLOSE100 crossover to upside
2023-11-21CCI LONG ENTRY SHORT CLOSE100 crossover to upside
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-11-30CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
BB LONG ENTRY SHORT CLOSEPrice closed below the lower band.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
MFI SHORT ENTRY LONG CLOSE20 crossover to downside
2023-12-01RSI LONG ENTRY SHORT CLOSE30 crossover to upside
STOCH SHORT EXITThe %K line crosses above the %D line.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
MFI LONG ENTRY SHORT CLOSE20 crossover to upside
2023-12-05STOCH LONG EXITThe %K line crosses below the %D line.
2023-12-13DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-12-15STOCH LONG EXITThe %K line crosses below the %D line.
2023-12-20MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2023-12-26RSI SHORT ENTRY LONG CLOSE70 crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-01-02MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
2024-01-03DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
BB LONG ENTRY SHORT CLOSEPrice closed below the lower band.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-01-04MFI SHORT ENTRY LONG CLOSE20 crossover to downside
2024-01-05RSI LONG ENTRY SHORT CLOSE30 crossover to upside
STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
MFI LONG ENTRY SHORT CLOSE20 crossover to upside
2024-01-09STOCH LONG EXITThe %K line crosses below the %D line.
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-01-19STOCH LONG EXITThe %K line crosses below the %D line.
2024-01-24MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2024-01-25STOCH LONG EXITThe %K line crosses below the %D line.
2024-01-26SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
MFI SHORT ENTRY LONG CLOSE20 crossover to downside
2024-01-29WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2024-01-30MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
2024-02-08CCI LONG ENTRY SHORT CLOSE100 crossover to upside
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2024-02-12STOCH LONG EXITThe %K line crosses below the %D line.
2024-02-14CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-02-20MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
2024-03-05MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-03-06MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2024-03-07STOCH LONG EXITThe %K line crosses below the %D line.
2024-03-08DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
RSI SHORT ENTRY LONG CLOSE70 crossover to downside
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
MFI SHORT ENTRY LONG CLOSE20 crossover to downside
2024-03-12MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
2024-03-14MFI LONG ENTRY SHORT CLOSE20 crossover to upside
2024-03-18STOCH LONG EXITThe %K line crosses below the %D line.
2024-03-19SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
2024-03-25MFI SHORT ENTRY LONG CLOSE20 crossover to downside
2024-03-27WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside

6.3. Candlestick Patterns

Home Loan Financial Corp Daily Candlestick Chart
DateCandlestick Pattern

6.4. Technical Score

Let's check the technical score of Home Loan Financial Corp based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5045.619
Ma 20Greater thanMa 5028.138
Ma 50Greater thanMa 10028.108
Ma 100Greater thanMa 20028.329
OpenGreater thanClose28.050
Total1/5 (20.0%)
Penke

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