HFB Financial (HFBA) Stock Price

HFB Financial Price

OTC·CLOSED
36.50USD+0.00 (+0.00 %)
Market closed

Revenue has compounded at 1.6% per year over the past 7 years to 5.39 M USD. Earnings per share have grown at 6.1% per year over the last 7 years. HFB Financial's net margin stands at 22.6%, up from 21.2% several years earlier. HFB Financial currently offers a dividend yield of about 1.12%. The payout ratio is around 42% of earnings. The dividend has grown at 3.6% per year over the past 7 years. The stock trades about 39% above its 52-week low.

HFB Financial stock price

Volume
Ex-Dividend
Details

Stock Price

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How to Read This Chart

This chart tracks the historical stock price of HFB Financial over time. You can switch between daily, weekly, and monthly views and select custom time ranges — from a single day to the full available history. Use the toggle to view price changes in absolute currency terms or as a percentage change relative to the starting date.

Total Return vs. Price Return

The "Total Return" toggle includes reinvested dividends on top of the pure price movement. This is critical because dividends can account for a significant portion of long-term returns. Historically, roughly 40 % of the S&P 500's total return has come from dividends. Always compare total return when evaluating a stock's real performance against a benchmark.

Intraday Price Data

When viewing a one-day time frame, the chart displays real-time intraday price movements. This is useful for observing how HFB Financial stock reacts to market openings, earnings releases, or breaking news throughout the trading session.

What to Look For

Look for long-term trends (sustained upward or downward movements over months and years), support and resistance levels (price zones where the stock repeatedly bounces or reverses), and volatility (how much the price fluctuates day to day). Comparing HFB Financial's price chart to a market index like the S&P 500 can reveal whether the stock is outperforming or underperforming the broader market.

HFB Financial Stock Price History
DateHFB Financial Price
7/23/202636.50 USD
7/22/202636.50 USD
7/21/202636.50 USD
7/20/202636.40 USD
7/17/202636.40 USD
7/16/202636.40 USD
7/15/202635.50 USD
7/14/202635.50 USD
7/13/202634.52 USD
7/10/202634.29 USD
7/9/202634.00 USD
7/8/202634.00 USD
7/7/202634.00 USD
7/6/202633.92 USD
7/2/202633.92 USD
7/1/202633.92 USD
6/30/202633.92 USD
6/29/202633.92 USD
6/26/202633.92 USD
6/25/202633.92 USD
6/24/202633.92 USD
6/23/202633.92 USD
6/22/202633.92 USD
6/18/202633.92 USD
6/17/202633.92 USD
6/16/202633.92 USD
6/15/202633.92 USD
6/12/202633.92 USD
6/11/202633.50 USD
6/10/202633.28 USD
6/9/202633.50 USD
6/8/202633.75 USD
6/5/202633.75 USD
6/4/202633.75 USD
6/3/202633.75 USD
6/2/202633.75 USD
6/1/202633.75 USD
5/29/202633.75 USD
5/28/202633.75 USD
5/27/202633.75 USD
5/26/202633.75 USD
5/22/202633.75 USD
5/21/202633.75 USD
5/20/202633.75 USD
5/19/202633.75 USD
5/18/202633.75 USD
5/15/202633.75 USD
5/14/202633.75 USD
5/13/202633.75 USD
5/12/202633.75 USD
5/11/202633.75 USD
5/8/202633.75 USD
5/7/202633.75 USD
5/6/202633.75 USD
5/5/202633.75 USD
5/4/202633.75 USD
5/3/202633.75 USD
4/20/202633.00 USD
4/15/202633.50 USD
3/16/202632.50 USD
3/15/202632.50 USD
3/13/202632.49 USD
3/10/202633.00 USD
3/5/202633.75 USD
3/4/202633.27 USD
1/8/202632.25 USD
12/16/202532.50 USD
12/11/202531.60 USD
12/9/202531.12 USD
11/26/202531.40 USD
11/18/202531.10 USD
11/16/202531.00 USD
11/12/202531.00 USD
11/10/202529.75 USD
10/19/202529.06 USD
10/15/202530.00 USD
10/8/202529.40 USD
9/25/202529.40 USD
9/24/202529.55 USD
9/23/202529.55 USD
9/19/202529.56 USD
9/8/202530.99 USD
9/4/202530.25 USD
9/3/202529.02 USD
9/1/202529.25 USD
8/29/202529.25 USD
8/26/202528.89 USD
8/25/202528.63 USD
8/13/202526.50 USD
8/8/202526.50 USD
8/7/202526.25 USD
8/5/202526.24 USD
8/4/202526.30 USD
7/31/202526.30 USD
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HFB Financial Revenue, Pre-Provision Profit, Net Income

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  • Max

Revenue
Pre-Provision Profit
Net Income
Details
Date
Revenue
Pre-Provision Profit
Net Income
Jan 1, 1995
4.82 M USD
1.36 M USD
850,000.00 USD
Jan 1, 1996
5.93 M USD
1.77 M USD
1.04 M USD
Jan 1, 1997
6.32 M USD
2.57 M USD
1.50 M USD
Jan 1, 1998
5.86 M USD
2.14 M USD
1.24 M USD
Jan 1, 1999
6.49 M USD
1.79 M USD
1.44 M USD
Jan 1, 2000
7.22 M USD
2.36 M USD
1.49 M USD
Jan 1, 2001
8.55 M USD
2.65 M USD
1.59 M USD
Jan 1, 2002
5.39 M USD
2.02 M USD
1.22 M USD

HFB Financial Income Statement, Balance Sheet, Cash Flow Statement

Last updated Jul 26, 2026, 3:25 PM
 
REVENUEM USD
REVENUE GROWTH%
Net Interest IncomeM USD
Non-Interest IncomeM USD
Loan Loss Provisionsk USD
Pre-Provision Profit (PPOP)M USD
NET INCOMEk USD
DIV.USD
DIV. GROWTH%
SHARESM
19951996199719981999200020012002
10.0012.0013.0013.0014.0016.0016.008.00
–20.008.33–7.6914.29–-50.00
4.465.185.665.546.136.227.444.78
0.360.750.660.320.361.001.110.61
40.00140.00270.00250.00-440.00110.00310.00230.00
1.361.772.572.141.792.362.652.02
–1,000.001,000.001,000.001,000.001,000.001,000.001,000.00
0.32––––0.190.380.41
––––––100.007.89
1.331.291.341.331.331.261.261.26
Details

Income Statement Key Figures

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Revenue and Revenue Growth

Revenue is the starting point of every income statement — it measures the total sales HFB Financial generates from its core business. Revenue growth (expressed as year-over-year percentage change) is one of the most important indicators of business momentum. Sustained growth above 10 % annually is generally considered strong, while declining revenue is a serious warning sign that demands investigation.

Gross Margin

Gross margin = (Revenue − Cost of Goods Sold) ÷ Revenue. It reveals what percentage of each dollar of revenue HFB Financial retains after direct production costs. High gross margins (above 50 %) are typical of asset-light businesses like software and brands, while capital-intensive industries like manufacturing often operate below 30 %. Compare HFB Financial's gross margin to industry peers and track it over time to spot improving or deteriorating pricing power.

EBIT and EBIT Margin

EBIT measures operating profit — what remains after subtracting all operating expenses (including R&D, sales, and administrative costs) from gross profit. The EBIT margin shows this as a percentage of revenue. Because it excludes interest and taxes, EBIT allows fair comparisons between companies with different debt levels and tax jurisdictions. A rising EBIT margin indicates improving operational efficiency.

Net Income and Earnings Per Share (EPS)

Net income is the company's final profit after all expenses, interest, and taxes. Dividing net income by the number of shares outstanding gives you EPS — the single most influential metric in stock valuation. Consistent EPS growth is the primary driver of long-term stock price appreciation. Always check whether EPS growth comes from genuine profit improvement or from share buybacks reducing the share count.

Shares Outstanding

The total number of shares HFB Financial has issued. A declining share count (through buybacks) boosts EPS and signals management confidence. A rising share count (through stock issuance) dilutes existing shareholders. Always monitor this number alongside EPS to get the full picture of per-share value creation.

Analyst Estimates

The projected figures represent consensus estimates from professional analysts. Compare these forecasts against HFB Financial's historical growth rates to assess whether expectations are realistic. A company that consistently beats consensus estimates tends to see its stock price rewarded over time, while repeated misses erode investor confidence.

HFB Financial stock margins

The HFB Financial margin analysis displays the gross margin, EBIT margin, as well as the profit margin of HFB Financial. The EBIT margin (EBIT/sales) indicates the percentage of sales that remains as operating profit. The profit margin shows the percentage of sales that remains for HFB Financial.

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Cost-Income Ratio
Profit margin
Details
Date
Cost-Income Ratio
Profit margin
Jan 1, 1995
71.78 %
17.63 %
Jan 1, 1996
70.15 %
17.54 %
Jan 1, 1997
59.34 %
23.73 %
Jan 1, 1998
63.48 %
21.16 %
Jan 1, 1999
72.42 %
22.19 %
Jan 1, 2000
67.31 %
20.64 %
Jan 1, 2001
69.01 %
18.60 %
Jan 1, 2002
62.52 %
22.63 %

HFB Financial Revenue per Share, Earnings per Share

The HFB Financial earnings per share therefore indicates how much revenue HFB Financial has generated per share in a given period. The earnings before interest and taxes per share shows how much of the operating profit corresponds to each share. The earnings per share indicates how much of the profit belongs to each share.

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  • Max

Revenue per Share
Earnings per Share
Details
Date
Revenue per Share
Earnings per Share
Jan 1, 1995
3.62 USD
0.64 USD
Jan 1, 1996
4.60 USD
0.81 USD
Jan 1, 1997
4.72 USD
1.12 USD
Jan 1, 1998
4.41 USD
0.93 USD
Jan 1, 1999
4.88 USD
1.08 USD
Jan 1, 2000
5.73 USD
1.18 USD
Jan 1, 2001
6.79 USD
1.26 USD
Jan 1, 2002
4.28 USD
0.97 USD

HFB Financial business model & stock analysis

HFB Financial Corp is an American financial services company headquartered in Houston, Texas. The company was founded in 1988 and is now one of the leading financial companies in the USA. The business model of HFB Financial Corp mainly consists of investment banking, private banking, wealth management, and asset management services. With these services, the company targets financial institutions, corporations, private clients, and institutional investors. The investment banking division of HFB Financial Corp offers customers a variety of services, including corporate financing, capital market advisory, and mergers and acquisitions. The company specializes in financing energy, healthcare, technology, telecommunications, aerospace, and retail companies. The private banking business of HFB Financial Corp caters to affluent clients and families in need of specialized financial advice. In this business area, the company provides holistic advice on topics such as wealth accumulation, wealth transfer, and succession planning. In the wealth management division, HFB Financial Corp offers customized investment and asset management services to clients. The company works closely with clients to understand their financial goals and objectives, deriving individual investment strategies from them. The asset management division of the company covers a wide range of investment strategies, with a focus on alternative investments such as private equity, real estate, securities funds, hedge funds, private credit funds, private debt funds, and commodities. HFB Financial Corp also offers a range of products including securities, investment funds, insurance, and investment advisory services. Additionally, the company provides financing and asset management services to clients with greater financial reach. In recent years, HFB Financial Corp has expanded its business to other countries as well. The company has opened branches in Latin America and Europe, now offering its services to customers on these continents. At HFB Financial Corp, customer satisfaction is at the core of the business model. The company works closely with its clients to understand their individual needs and goals, deriving customized solutions from them. HFB Financial Corp places great emphasis on transparency and has strict compliance and ethics policies to ensure fair and ethical treatment of all customers. In conclusion, HFB Financial Corp has established itself as a leading financial services company in the USA. The company offers a comprehensive range of services and is focused on the needs and goals of its clients. HFB Financial Corp has expanded its business globally and now offers its services to customers in other countries as well. The company remains true to its philosophy that customers must be served comprehensively and transparently.

HFB Financial SWOT Analysis

Strengths

HFB Financial Corp possesses a robust financial position, with healthy cash reserves and low levels of debt. This enables the company to make strategic investments, withstand market fluctuations, and pursue growth opportunities.

HFB Financial Corp offers a diverse range of financial products and services, including but not limited to banking, investment, insurance, and wealth management. This comprehensive portfolio provides the company with a competitive edge and the ability to meet various customer needs.

HFB Financial Corp enjoys a strong brand reputation in the industry, built upon its long-standing presence, customer trust, and positive customer experiences. This reputation enhances customer loyalty and attracts new clients.

Weaknesses

HFB Financial Corp has a relatively limited market presence compared to some of its larger competitors. This may hinder its ability to capture a larger market share and compete effectively in certain regions or sectors.

As a financial institution, HFB Financial Corp is highly dependent on interest rates for its profitability. Fluctuations in interest rates can significantly impact the company's revenue and profitability, making it vulnerable to market volatility.

Opportunities

HFB Financial Corp can capitalize on the ongoing trend of digital transformation by investing in advanced technology and online platforms. Embracing digital banking solutions can enhance customer convenience, improve operational efficiency, and attract tech-savvy customers.

HFB Financial Corp has the opportunity to expand and establish a presence in emerging markets where the demand for financial services is growing. By tapping into these markets, the company can access new customer segments and diversify its revenue streams.

Threats

HFB Financial Corp faces intense competition from well-established financial institutions as well as emerging fintech companies. This competition puts pressure on profitability, customer retention, and the need for continuous innovation to stay ahead.

The financial industry is subject to strict regulations and compliance requirements. HFB Financial Corp must navigate these regulations effectively to avoid penalties, reputational damage, and potential business disruptions.

HFB Financial Eulerpool Fair Value

Details

Fair Value Estimate

ⓘ

What Is Fair Value?

Fair value is an estimate of what a stock is truly "worth" based on its financial fundamentals, independent of the current market price. If the calculated fair value is above the current share price, the stock may be undervalued — and vice versa. This chart shows three different fair value approaches so you can cross-check them against each other.

Earnings-Based Fair Value

Calculated by multiplying the current earnings per share (EPS) by the average historical P/E ratio over a selected multi-year period. The smoothing over several years filters out temporary spikes or dips. If this fair value exceeds the market price, it suggests the stock is cheap relative to its earning power.

Example: Fair Value (Earnings) 2022 = EPS 2022 × Average P/E 2019–2021

Revenue-Based Fair Value

Derived by multiplying revenue per share by the average historical price-to-sales ratio. This method is particularly useful for companies with volatile or temporarily depressed earnings, as revenue tends to be more stable than profits. It answers: "At what price has the market historically valued each dollar of this company's sales?"

Example: Fair Value (Revenue) 2022 = Revenue per Share 2022 × Average P/S 2019–2021

Dividend-Based Fair Value

Calculated by dividing the dividend per share by the average historical dividend yield. This approach is most relevant for mature, consistently dividend-paying companies. If the resulting fair value is higher than the current price, it implies the stock offers a better yield than its historical average.

Example: Fair Value (Dividend) 2022 = Dividend per Share 2022 ÷ Average Yield 2019–2021

How to Use This Chart

When all three fair value lines converge above the current price, it strengthens the case that the stock is undervalued. When they diverge, investigate why — it may indicate a structural shift in margins, payout policy, or growth rate. The forward estimates on the right extend the analysis using projected fundamentals, helping you assess whether the current price already reflects future growth expectations.

HFB Financial historical P/E ratio, EBIT multiple, and P/S ratio

HFB Financial annual returns

Details

Annual Return

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What This Chart Shows

This chart breaks down 's total annual return into two components: price return (gains or losses from stock price movement) and dividend return (income received from dividend payments). Together, they represent the total return an investor would have earned in each calendar year.

Price Return

Price return measures the percentage change in 's stock price from January 1st to December 31st of each year. Positive bars indicate the stock appreciated; negative bars show a decline. This is the component most investors focus on, but it tells only part of the story — especially for dividend-paying stocks.

Dividend Return

Dividend return represents the income generated from dividends paid during the year, expressed as a percentage of the starting stock price. While it may seem small in any single year (typically 1–4 % for established companies), dividends compound significantly over decades and have historically contributed roughly 40 % of total stock market returns.

What to Look For

Examine how many years showed positive vs. negative returns to gauge consistency. A stock with mostly positive years and small drawdowns suggests lower risk. Also compare 's annual returns to a benchmark index — consistently outperforming the market is a hallmark of a strong investment. Pay attention to the worst years: understanding downside risk is just as important as chasing upside potential.

HFB Financial shares outstanding

  • 3 Years

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  • Max

Number of stocks
Details
Date
Number of stocks
Jan 1, 1995
1.33 M Stocks
Jan 1, 1996
1.29 M Stocks
Jan 1, 1997
1.34 M Stocks
Jan 1, 1998
1.33 M Stocks
Jan 1, 1999
1.33 M Stocks
Jan 1, 2000
1.26 M Stocks
Jan 1, 2001
1.26 M Stocks
Jan 1, 2002
1.26 M Stocks

HFB Financial Dividend History

27 years of dividend payments

YearAnnual DividendYoY ChangePayments
20260.41USDYTD—1×
Mar 6, 20260.41USD 0.0%1/1
20250.82USD 0.0%2×
Mar 7, 20250.41USD 0.0%1/2
Sep 12, 20250.41USD 0.0%2/2
20240.82USD 0.0%2×
20230.82USD 0.0%2×
20220.82USD↑ 2.5%2×
20210.80USD 0.0%2×
20200.80USD↑ 2.6%2×
20190.78USD↑ 2.6%2×
20180.76USD 0.0%2×
20170.76USD↑ 8.6%2×

HFB Financial dividend payout ratio

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Payout ratio
Details
Date
Payout ratio
Jan 1, 1995
24.00 %
Jan 1, 1996
24.44 %
Jan 1, 1997
24.44 %
Jan 1, 1998
24.44 %
Jan 1, 1999
24.44 %
Jan 1, 2000
16.10 %
Jan 1, 2001
14.96 %
Jan 1, 2002
42.27 %
Price targets and forecasts for HFB Financial are not yet available.

HFB Financial Executives and Management Board

DC

David Cook

(55)

President, Chief Executive Officer, Director

Compensation188,406.00 USD
KJ

Kenneth Jones

(48)

Chief Operating Officer, Director · since 2000

Compensation119,575.00 USD
RC

Robert Costanzo

(49)

Chairman of the Board

SA

Stanley Alexander

(56)

Chief Financial Officer

RR

Roger Roper

(61)

Vice President, Director

Frequently asked questions about HFB Financial

HFB Financial Corp operates as a diversified financial services company. Their business model focuses on delivering a wide range of financial products and services to individuals, businesses, and institutional clients. HFB Financial Corp offers various banking services, including loans, deposits, and cash management solutions. Additionally, they provide investment and insurance services, helping clients with wealth management and risk mitigation. By offering comprehensive financial solutions, HFB Financial Corp aims to meet the diverse needs of its customers and drive long-term value for its shareholders.

All fundamentals and in-depth analysis of HFB Financial

Our stock analysis for HFB Financial stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of HFB Financial. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.

HFB Financial Stock
HFB Financial Revenue→
HFB Financial Stock
HFB Financial Net Income→
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HFB Financial EBIT→
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