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Home Federal Bancorp Of Louisiana
(NASDAQ:HFBL)
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Rating:76Outperform
Price Target:
$26.00
▲(18.45% Upside)
Action:Reiterated
Date:07/18/26
The score is primarily driven by improving TTM profitability and a conservatively levered balance sheet, with valuation also supportive (P/E ~11.7 and ~2.35% dividend yield). Technicals are constructive (price above major DMAs and positive MACD) but moderated by an elevated RSI (~71). The main risk factor limiting the score is cash-flow variability and a sharp TTM free-cash-flow decline, despite solid reported earnings.
Positive Factors
Conservative leverage
A very low debt-to-equity ratio (~0.10) and growing equity provide a durable capital cushion versus peers. This reduces solvency and refinancing risk, supports regulatory flexibility, and allows the bank to absorb credit losses while maintaining lending capacity and distributions.
Negative Factors
Cash-flow volatility
Sharp TTM decline and historical choppiness in free cash flow reduce predictability of internal funding for lending, capital earmarks and shareholder returns. Variable cash generation raises the risk of needing external funding or cutting distributions during stress.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative leverage
A very low debt-to-equity ratio (~0.10) and growing equity provide a durable capital cushion versus peers. This reduces solvency and refinancing risk, supports regulatory flexibility, and allows the bank to absorb credit losses while maintaining lending capacity and distributions.
Read all positive factors
Home Federal Bancorp Of Louisiana (HFBL) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$71.29M
Dividend Yield2.38%
Average Volume (3M)1.88K
Price to Earnings (P/E)11.4
Beta (1Y)0.21
Revenue Growth7.71%
EPS Growth60.72%
CountryUS
Employees67
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)1.96
Shares Outstanding3,053,889
10 Day Avg. Volume2,216
30 Day Avg. Volume1,879
Financial Highlights & Ratios
PEG Ratio1.40
Price to Book (P/B)0.75
Price to Sales (P/S)1.29
P/FCF Ratio7.67
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Home Federal Bancorp Of Louisiana Business Overview & Revenue Model
Company Description
Home Federal Bancorp, Inc. of Louisiana functions as the parent entity for Home Federal Bank, which delivers a comprehensive suite of financial solutions. These services are provided to a diverse clientele, including private individuals, businesse...
How the Company Makes Money
HFBL primarily makes money through its banking subsidiary by earning net interest income and generating noninterest income. Net interest income is driven by the spread between (1) interest earned on loans and other interest-earning assets and (2) ...
Home Federal Bancorp Of Louisiana Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
82
Very Positive
Cash Flow
64
Positive
| Breakdown | TTM | Jun 2025 | Jun 2024 | Jun 2023 | Jun 2022 | Jun 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 33.32M | 32.33M | 33.29M | 28.53M | 22.49M | 25.33M |
| Gross Profit | 22.41M | 20.67M | 20.38M | 22.58M | 20.28M | 20.23M |
| EBITDA | 8.25M | 6.02M | 5.35M | 7.64M | 6.76M | 7.47M |
| Net Income | 5.93M | 3.89M | 3.59M | 5.70M | 4.87M | 5.37M |
Balance Sheet | ||||||
| Total Assets | 641.65M | 609.49M | 637.51M | 660.91M | 590.48M | 565.73M |
| Cash, Cash Equivalents and Short-Term Investments | 28.94M | 50.44M | 42.28M | 59.34M | 70.35M | 90.33M |
| Total Debt | 5.56M | 4.00M | 7.00M | 8.55M | 3.18M | 3.27M |
| Total Liabilities | 583.64M | 554.29M | 584.71M | 610.37M | 538.13M | 513.01M |
| Stockholders Equity | 58.00M | 55.20M | 52.80M | 50.54M | 52.35M | 52.73M |
Cash Flow | ||||||
| Free Cash Flow | 5.36M | 5.43M | -368.00K | 10.92M | 14.48M | 5.98M |
| Operating Cash Flow | 5.38M | 5.47M | 2.32M | 12.11M | 17.06M | 8.33M |
| Investing Cash Flow | -22.95M | 10.21M | 34.48M | -115.31M | -78.79M | -1.42M |
| Financing Cash Flow | 16.08M | -33.29M | -26.62M | 63.90M | 21.41M | 42.62M |
Home Federal Bancorp Of Louisiana Technical Analysis
Positive
21.95
Price Trends
20.86
Positive
19.57
Positive
18.14
Positive
Market Momentum
0.62
Positive
61.01
Neutral
76.60
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 21.95 is below the 20-day moving average (MA) of 22.52, above the 50-day MA of 20.86, and above the 200-day MA of 18.14, indicating a bullish trend. The MACD of 0.62 indicates Positive momentum. The RSI at 61.01 is Neutral, neither overbought nor oversold. The STOCH value of 76.60 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 Risk Analysis
Home Federal Bancorp Of Louisiana disclosed 2 risk factors in its most recent earnings report. Home Federal Bancorp Of Louisiana reported the most risks in the "Legal & Regulatory" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 1 New Risks
Home Federal Bancorp Of Louisiana Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
77 Outperform | $93.24M | 4.39 | 16.39% | ― | 24.01% | 17.08% | |
76 Outperform | $71.29M | 11.39 | 10.42% | 2.53% | 7.71% | 60.72% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $77.53M | 9.01 | 7.32% | 2.76% | 4.91% | 127.20% | |
67 Neutral | $69.13M | 29.93 | 2.48% | ― | 0.89% | -1.60% | |
58 Neutral | $50.78M | 16.45 | 5.66% | 1.30% | 3.83% | 59.54% |
* Financial Sector Average
HFBL
Home Federal Bancorp Of Louisiana
23.00
10.30
81.07%
ASRV
Ameriserv Financial
4.63
1.82
64.48%
OPHC
Optimumbank Holdings
9.23
4.69
103.30%
TCBS
Texas Community
17.67
2.09
13.39%
CLST
Catalyst Bancorp
16.77
4.37
35.24%
Home Federal Bancorp Of Louisiana Corporate Events
Business Operations and StrategyDividendsFinancial Disclosures
Home Federal Bancorp Announces Further Quarterly Dividend Increase
Positive
Jul 17, 2026
On July 16, 2026, Home Federal Bancorp, Inc. of Louisiana announced that its Board of Directors declared a quarterly cash dividend of $0.15 per share on the company’s common stock, payable on August 10, 2026, to shareholders of record as of ...
Business Operations and StrategyExecutive/Board Changes
Home Federal Bancorp Updates CEO Supplemental Retirement Agreement
Positive
Jul 2, 2026
On July 1, 2026, Home Federal Bank, the wholly owned subsidiary of Home Federal Bancorp, Inc. of Louisiana, amended and restated the Supplemental Executive Retirement Agreement for Chairman, President and Chief Executive Officer James R. Barlow. T...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.