Home Federal Bancorp Of Louisiana (HFBL) AI Stock Analysis

• Market Cap: $48.61M
• Dividend Yield: 2.94%
• Average Volume (3M): 1.88K
• Price to Earnings (P/E): 10.7
• Beta (1Y): >-0.01
• Revenue Growth: 0.32%
• EPS Growth: 37.93%
• Country: US
• Employees: 78
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.53
• Shares Outstanding: 3,058,169
• 10 Day Avg. Volume: 2,216
• 30 Day Avg. Volume: 1,879
• PEG Ratio: 1.40
• Price to Book (P/B): 0.75
• Price to Sales (P/S): 1.29
• P/FCF Ratio: 7.67
• Enterprise Value/Market Cap: 0.91
• Enterprise Value/Revenue: 1.35
• Enterprise Value/Gross Profit: 2.06
• Enterprise Value/Ebitda: 6.22
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Hold
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 80 Outperform
• Price Target: $18.50 ▲(2.78% Upside)

Home Federal Bancorp Of Louisiana scores well due to its strong financial performance and positive technical indicators. The stock's reasonable valuation and attractive dividend yield further enhance its appeal. The recent corporate events, including a dividend announcement and stock repurchase program, underscore management's confidence in the company's prospects.

Positive Factors

Strong Financial Position

A strong balance sheet with low leverage enhances financial stability, allowing the company to weather economic fluctuations and invest in growth opportunities.

Revenue Growth

Consistent revenue growth indicates a solid business model and effective customer engagement, supporting long-term profitability and market presence.

Cash Flow Management

Improved cash generation enhances the company's ability to fund operations, invest in growth, and return value to shareholders, supporting sustainable financial health.

Negative Factors

Net Profit Margin Volatility

Fluctuating net profit margins can indicate challenges in maintaining consistent profitability, which may affect long-term financial stability and investor confidence.

Low Cash Flow Conversion

Low cash flow conversion can limit financial flexibility, affecting the company's ability to reinvest in its operations and meet financial obligations efficiently.

Dividend and Repurchase Program

While returning value to shareholders, frequent buybacks may limit resources available for growth investments, potentially impacting long-term strategic initiatives.

Home Federal Bancorp Of Louisiana Business Overview & Revenue Model

Company Description

Home Federal Bancorp, Inc. of Louisiana operates as the holding company for Home Federal Bank that provides various financial services to individuals, corporate entities, and other organizations. The company accepts various deposits, such as passbook savings, certificates of deposit, and demand deposit accounts. Its loan products include one-to-four family residential real estate loans; commercial real estate secured loans; multi-family residential loans; commercial business loans; land loans; construction loans; home equity and second mortgage loans; equity lines of credit; and consumer non-real estate loans, including loans secured by deposit accounts, automobile loans, overdrafts, and other unsecured loans. As of August 25, 2021, it operated seven full-service banking offices. The company was founded in 1924 and is based in Shreveport, Louisiana.

How the Company Makes Money

HFBL generates revenue primarily through interest income from its loan portfolio, which includes residential, commercial, and consumer loans. The difference between the interest earned on loans and the interest paid on deposits constitutes the bank's net interest income. Additionally, the bank earns non-interest income from fees related to account services, transaction fees, and other financial products. Significant partnerships with local businesses and real estate developers may also contribute to its revenue through collaborative financial services and community investment initiatives. Overall, the company's earnings are supported by its focus on customer relationships and community engagement, which drive customer loyalty and deposit growth.

Home Federal Bancorp Of Louisiana Financial Statement Overview

Summary

Home Federal Bancorp Of Louisiana demonstrates a stable financial position with strong equity and low leverage. While profitability metrics are generally positive, recent declines in revenue growth and cash flow metrics highlight areas for improvement. The company should focus on enhancing operational efficiency and cash flow generation to sustain long-term growth.

Income Statement

Home Federal Bancorp Of Louisiana shows a stable gross profit margin over the years, with a slight decline in revenue growth in the latest period. The net profit margin has improved slightly, indicating better cost management. However, the EBIT and EBITDA margins have decreased compared to previous years, suggesting potential challenges in operational efficiency.

Balance Sheet

The company maintains a low debt-to-equity ratio, indicating prudent financial leverage. Return on equity has been stable, reflecting consistent profitability. The equity ratio is strong, suggesting a solid capital structure. However, the slight decline in total assets and equity in the latest period may warrant attention.

Cash Flow

Operating cash flow has shown improvement, but free cash flow growth has been negative recently, indicating potential liquidity challenges. The operating cash flow to net income ratio is low, suggesting limited cash conversion efficiency. The free cash flow to net income ratio is strong, indicating effective cash management despite recent declines.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	32.94M	32.33M	33.29M	28.53M	22.49M	25.33M
Gross Profit	21.57M	20.67M	20.38M	22.58M	20.28M	20.23M
EBITDA	7.15M	6.02M	5.35M	7.64M	6.76M	7.47M
Net Income	4.55M	3.89M	3.59M	5.70M	4.87M	5.37M
Balance Sheet
Total Assets	622.63M	609.49M	637.51M	660.91M	590.48M	565.73M
Cash, Cash Equivalents and Short-Term Investments	26.70M	50.44M	42.28M	59.34M	70.35M	90.33M
Total Debt	4.00M	4.00M	7.00M	8.55M	3.18M	3.27M
Total Liabilities	566.04M	554.29M	584.71M	610.37M	538.13M	513.01M
Stockholders Equity	56.59M	55.20M	52.80M	50.54M	52.35M	52.73M
Cash Flow
Free Cash Flow	7.33M	5.43M	-368.00K	10.92M	14.48M	5.98M
Operating Cash Flow	7.38M	5.47M	2.32M	12.11M	17.06M	8.33M
Investing Cash Flow	-10.51M	10.21M	34.48M	-115.31M	-78.79M	-1.42M
Financing Cash Flow	-11.42M	-33.29M	-26.62M	63.90M	21.41M	42.62M

Home Federal Bancorp Of Louisiana Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 18.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HFBL, the sentiment is Positive. The current price of 18 is above the 20-day moving average (MA) of 15.96, above the 50-day MA of 15.26, and above the 200-day MA of 13.59, indicating a bullish trend. The MACD of 0.54 indicates Negative momentum. The RSI at 73.99 is Negative, neither overbought nor oversold. The STOCH value of 78.40 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for HFBL.

Home Federal Bancorp Of Louisiana Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
HFBL	80 Outperform	$48.61M	10.75	8.21%	2.94%	0.32%	37.93%
OPHC	73 Outperform	$47.30M	3.13	15.03%	―	14.91%	0.81%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
CLST	66 Neutral	$60.84M	25.54	2.72%	―	76.66%	―
ASRV	64 Neutral	$51.05M	10.09	4.54%	3.86%	6.89%	―
TCBS	55 Neutral	$46.42M	18.73	4.74%	1.23%	12.12%	―

Home Federal Bancorp Of Louisiana Corporate Events

Home Federal Bancorp Announces Quarterly Dividend

On October 15, 2025, Home Federal Bancorp, Inc. of Louisiana announced a quarterly cash dividend of $0.135 per share, payable on November 10, 2025, to shareholders of record as of October 27, 2025. Additionally, the company approved its fourteenth stock repurchase program, allowing for the repurchase of up to 100,000 shares, approximately 3.0% of its outstanding shares, over four quarters without an expiration date, potentially impacting market conditions and shareholder value.