Hamlin Bank and Trust Company (HMLN) Fund Overview
Educational signal · not a buy or sell recommendation · How to read this
P/E 13.26 means the share price is 13.26 times one year of earnings per share. Beta 0.02: the stock has moved about 98% less than the S&P 500.
For informational purposes only. Not financial advice. Machine-generated analysis by Stock Expert AI — model gemini-2.0-flash, generated Mar 16, 2026. Editorial oversight is systemic, not page-by-page. Editorially accountable: Sedat ANAK, Founder and Editor-in-Chief. Data sources: Financial Modeling Prep, Yahoo Finance, SEC EDGAR
Quick AnswerHamlin Bank and Trust Company (HMLN) trades at $257.80. Hamlin Bank and Trust Company, founded in 1863, provides financial and trust services in Northwestern Pennsylvania. Sector: Financials.
Price as of · Last analyzed: Mar 16, 2026Analyst Coverage for HMLN: HMLN does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage.
Hamlin Bank and Trust Company (HMLN) Financial Services Profile
Hamlin Bank and Trust Company, a regional bank in Northwestern Pennsylvania, offers traditional banking services, including deposit accounts, loans, and trust services. With a market capitalization of $0.08 billion and a beta of 0.02, the company focuses on serving its local community through personalized financial solutions.
What Is the Investment Thesis for HMLN?
Hamlin Bank and Trust Company presents a community banking model with a focus on Northwestern Pennsylvania. With a market capitalization of $0.08 billion and a low beta of 0.02, the bank exhibits stability. Growth catalysts include expanding its commercial lending portfolio and increasing its wealth management services. However, the company faces potential risks from interest rate fluctuations and competition from larger regional and national banks. The bank's ability to maintain its net interest margin and attract new customers will be critical for future growth. Investors should monitor the bank's financial performance, including loan growth, deposit growth, and asset quality, to assess its long-term value.
Based on FMP financials and quantitative analysis
HMLN Key Highlights
Market capitalization of $0.08 billion indicates a small-cap regional bank.
- Beta of 0.02 suggests low volatility compared to the overall market.
- The company offers a diverse range of financial services, including deposit accounts, loans, and trust services.
- Hamlin Bank and Trust Company has a long operating history, founded in 1863.
- The company focuses on serving the Northwestern Pennsylvania market.
Who Are HMLN's Competitors?
HMLN is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | MoonshotScore |
|---|---|---|---|---|
| ABAKF abrdn Asia-Pacific Income Fund VCC | $1.77 | -4.32% | $61.6M | — |
| ADKT The Adirondack Trust Company | $650.25 | 0.00% | $52.0M | — |
| GXLM Grayscale Stellar Lumens Trust (XLM) | $28.06 | +1.30% | $43.0M | — |
| MCHT Mauch Chunk Trust Financial Corp. | $8.80 | 0.00% | $29.5M | — |
| USB U.S. Bancorp | $57.27 | -0.42% | $89.2B | 90 5-pillar |
| BBD Banco Bradesco S.A. | $4.33 | +18.63% | $45.8B | 95 5-pillar |
| SHG Shinhan Financial Group Co., Ltd. | $78.46 | +0.55% | $37.1B | 98 5-pillar |
| CIB Grupo Cibest S.A. | $96.06 | +4.52% | $22.8B | 98 5-pillar |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are HMLN's Key Strengths?
Long-standing presence in Northwestern Pennsylvania.
- Strong customer relationships.
- Experienced management team.
- Focus on community banking.
What Are HMLN's Weaknesses?
Limited geographic reach.
- Small market capitalization.
- Dependence on local economy.
- Limited digital banking capabilities.
What Are the Key Risks for HMLN?
Interest rate fluctuations impacting net interest margin.
- Competition from larger regional and national banks.
- Economic downturn in Northwestern Pennsylvania affecting loan quality.
- Regulatory compliance costs impacting profitability.
- Limited liquidity due to OTC market trading.
What Are HMLN's Competitive Advantages?
- Long-standing presence in Northwestern Pennsylvania, building customer loyalty.
- Focus on personalized service and local decision-making.
- Strong relationships with local businesses and organizations.
What Does HMLN Do?
Founded in 1863, Hamlin Bank and Trust Company has a long history of serving the financial needs of Northwestern Pennsylvania. The bank provides a comprehensive suite of financial services, including checking and savings accounts, individual retirement accounts (IRAs), and certificates of deposit (CDs). Its loan portfolio encompasses mortgage loans, consumer loans (such as personal, auto, home equity, boat, camper, and recreational vehicle loans), and commercial loans (including lines of credit, property and equipment loans, land development and acquisition loans, construction loans, and commercial mortgages). In addition to traditional banking products, Hamlin Bank and Trust Company offers debit cards, estate settlement services, personal trusts, investment management, and custodial services. The bank also provides safe deposit boxes, night depository, cashier's checks, travelers checks, and telephone banking services. Hamlin Bank and Trust Company operates with a focus on community banking, emphasizing personalized service and local decision-making. The company's headquarters are located in Smethport, Pennsylvania, and it serves customers through its branch network in the region.
What Products and Services Does HMLN Offer?
- Accepts checking and savings deposits from individuals and businesses.
- Offers individual retirement accounts (IRAs) and certificates of deposit (CDs).
- Provides mortgage loans for residential and commercial properties.
- Offers consumer loans, including personal, auto, and home equity loans.
- Provides commercial lines of credit, property and equipment loans, and construction loans.
- Offers debit cards for convenient access to funds.
- Provides estate settlement, personal trusts, and investment management services.
- Offers safe deposit boxes and other banking services.
How Does HMLN Make Money?
- Generates revenue from interest earned on loans.
- Generates revenue from fees charged for various banking services.
- Manages risk by diversifying its loan portfolio and monitoring credit quality.
What Industry Does HMLN Operate In?
Hamlin Bank and Trust Company operates in the regional banking sector, which is characterized by intense competition from larger national banks and smaller community banks. The industry is influenced by factors such as interest rates, regulatory requirements, and economic conditions. Regional banks like Hamlin Bank and Trust Company differentiate themselves by providing personalized service and focusing on local markets. The banking industry is also undergoing digital transformation, with increasing adoption of online and mobile banking services. Hamlin Bank and Trust Company must adapt to these changes to remain competitive.
Who Are HMLN's Key Customers?
- Individuals in Northwestern Pennsylvania seeking personal banking services.
- Small and medium-sized businesses in Northwestern Pennsylvania seeking commercial banking services.
- High-net-worth individuals seeking wealth management services.
Research confidence
Thin evidence — scoring coverage unknown. Treat this as a starting point, not a conclusion.
- ● Scoring coverage unknown
- ● Price is current
- ● No filing on record
- ● No analyst coverage
- ● This is a fund, not an operating company
MoonshotScore History
Recorded daily since 2026-08-23 · 41 snapshots
| 2026-08-23 | 58 |
| 2026-08-31 | 58 |
| 2026-09-08 | 58 |
| 2026-09-16 | 58 |
| 2026-09-24 | 58 |
| 2026-10-04 | 58 |
What changed?
The score has stayed at 58.
Over the same 30 days the stock moved +2.0%.
Key Financial Metrics
Return on equity for Hamlin Bank and Trust Company stands at 7.4%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.4%, showing how much profit it generates from its asset base. HMLN trades at a trailing price-to-earnings ratio of 13.26, below the Financial Services sector average of ~17.20x. Its free cash flow yield is 4.1%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.07 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 7.5%, the inverse of the P/E and a quick read on earnings relative to price.
Company Profile
Hamlin Bank and Trust Company operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Smethport, US. The company is led by CEO Martin J. Digel. HMLN has traded publicly since 1997.
Financial Health
Hamlin Bank and Trust Company's Piotroski F-Score is 5/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 3.02 places it in the safe zone, indicating low near-term bankruptcy risk.
HMLN Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Long-standing presence in Northwestern Pennsylvania.
- Strong customer relationships.
- Experienced management team.
- Focus on community banking.
Bear Case
- Limited geographic reach.
- Small market capitalization.
- Dependence on local economy.
- Limited digital banking capabilities.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
HMLN Latest News
No recent news available for HMLN.
HMLN Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations collected by Financial Modeling Prep for HMLN.
Price Targets
Wall Street price target analysis for HMLN.
HMLN MoonshotScore
MoonshotScore is Stock Expert AI's proprietary 0-100 research rating, not a buy or sell recommendation. No MoonshotScore is published for HMLN; grades run from A+ (80-100) to F (below 30).
Leadership: Martin J. Digel
Unknown
Martin J. Digel is the managing leader of Hamlin Bank and Trust Company, overseeing a team of 82 employees. His leadership is focused on guiding the bank's operations and strategic direction within the Northwestern Pennsylvania market.
Track Record: Due to limited information, Martin J. His tenure and impact on the bank's performance require further assessment based on available financial data and operational metrics.
HMLN OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that Hamlin Bank and Trust Company may not meet the minimum financial standards or reporting requirements of higher tiers like OTCQX or OTCQB. Companies in this tier may have limited financial disclosure, potentially increasing investment risk. Trading on the OTC Other tier signifies that the company may not be current in its reporting obligations or chooses not to comply with higher listing standards, often due to cost or other strategic considerations.
- OTC Tier: OTC Other
- Limited financial disclosure.
- Low trading volume and liquidity.
- Potential for price manipulation.
- Higher risk of fraud or mismanagement.
- Lack of regulatory oversight.
- Verify the company's financial statements.
- Research the management team and their track record.
- Assess the company's business model and competitive landscape.
- Evaluate the company's regulatory compliance.
- Understand the risks associated with investing in OTC stocks.
- Consult with a financial advisor.
- Check for any legal or regulatory issues.
- Long operating history (founded in 1863).
- Focus on community banking.
- Physical presence in Northwestern Pennsylvania.
- Membership in relevant industry associations.
- Positive customer reviews (if available).
What Investors Ask About Hamlin Bank and Trust Company (HMLN) — Financials
What are the main risks for HMLN?
Hamlin Bank and Trust Company faces several risks inherent to the banking industry and its specific market position. Interest rate fluctuations can impact the bank's net interest margin, affecting profitability. Competition from larger regional and national banks poses a threat to market share.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
MoonshotScore is not published for this security.
Data provided for informational purposes only.
- Information is based on available data and may be limited due to the company's OTC listing.