Buying back shares: share count down 11% in 3 years
Money moves
No insider buying or selling in the last 30 days
Institutions added 6.8% to their holdings in the quarter ending June 2026 (8 bought, 4 sold)
Facts from SEC filings, not a recommendation.
What the price means
Price as of Oct 26
$20.52-6.7% that day
Company value
$62M
Share price times all shares
Price vs profit (P/E)
10.2x
You pay about $10 for each $1 of yearly profit
Price vs sales
47.7x
Company value is 47.7 times a year of sales
Cash vs value
55%
A big cushion: cash is a large part of what the company is worth
From HFBL's last IEX trade and its SEC filings (profits and sales over the last four quarters). A starting point for research, not a verdict.
The business over time
Last 12 quarters, from SEC filings
Profit, Jun '26 (worked out from yearly totals)
$1.4M+21% vs a year earlier
Sep '23Tap a barJun '26
Last 12 months: $6.2M, up 59% from the 12 months before.
What the price assumes
Your guesses, our math
Move the sliders to your own view of HFBL. Starting points are the company's recent numbers (it isn't profitable yet, so the margin starts at a 10% guess).
Sales in 5 years$2M
Profit in 5 years$0M
Price these guesses point to$0.67-97% vs $20.52 todayAbout -50% a year, before dividends
Simple math on your guesses, not a forecast or a price target. Real results depend on many things these sliders leave out.
The checklist Warren Buffett-style investors use. Annual numbers for 2025.
3/4Mixed
MissReturn on equity 15%+Earns a lot on the money owners have in the business.7.0%
PassProfitable every yearSteady profits, not one good year.10 of 10 years
PassFree cash flow positiveBrings in more cash than it spends to run and grow.$5.5M
PassShare count not growingNot diluting owners. Falling means buybacks.-11.2% in 3 years
Revenue
$1.3M
Free cash flow
$5.5M
From annual reports filed with the SEC. Gross margin doesn't apply to banks and insurers, so it isn't scored. Not in this company's SEC data, so not scored: debt under half of equity, net margin 10%+. A checklist is a starting point for research, not a verdict.
Latest quarter
New results, as stated in the press release
Reported Oct 27After close4:41 pm ET
EPS
$0.64
vs $0.53
Revenue and EPS as the company states them. Margins, cash flow and share count fill in with the 10-Q.
Insider rating
Last 90 days
No open-market insider buys or sells in the last 90 days.
Weekly insider trend
No trades to chart yet.
Filing buzz
Last 7 days vs normal
80/ 100
This week
2
Normal week
0.5
vs normal
4.0x
SEC filings of any kind. 50 means a normal week.
Institutional ownership
▲Accumulating+6.8%
Institutions added 6.8% to their holdings. 8 bought, 4 sold.
Shares held by institutions221K
Sep '24Jun '26
Safety check
From SEC filings
Share count growthYearly rate, last 3 years
-1.1%
Cash runwayAt last year's cash burn
Cash flow positive
Debt to equityLatest balance sheet: debt compared with what owners have
Total liabilities $584.6M
Shares outstandingLatest reported
3M
Earnings reports
Last 12
Next reportAround Jan 27, 2027 (est.)Estimated from the same quarter last year
Results filedOct 27
Results filedJul 30
Results filedApr 30
Results filedJan 28
Results filedOct 23, 2025
Flags and big holders
Offerings 6 months, flags 12 months, holders 90 days
No offerings, red flags or new big holders. Clean record.
Insider trades
Open-market buys and sells, last 90 days
No open-market buys or sells in 90 days. Grants and option exercises are left out.
"Owns after" is the insider's holding right after the trade. Pre-planned (10b5-1) sales are set up months ahead, a weaker signal.