Home Federal Bancorp Of Louisiana (HFBL) AI Stock Analysis

• Market Cap: $42.51M
• Dividend Yield: 3.75%
• Average Volume (3M): 1.53K
• Price to Earnings (P/E): 11.0
• Beta (1Y): -0.02
• Revenue Growth: -2.93%
• EPS Growth: 7.89%
• Country: US
• Employees: 78
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.39
• Shares Outstanding: 3,058,169
• 10 Day Avg. Volume: 768
• 30 Day Avg. Volume: 1,534
• PEG Ratio: 1.40
• Price to Book (P/B): 0.75
• Price to Sales (P/S): 2.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: 1.05
• Enterprise Value/Revenue: 1.50
• Enterprise Value/Gross Profit: 2.15
• Enterprise Value/Ebitda: 7.92
• 1Y Price Target: $14.50
• Price Target Upside: 3.65% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1

• Rating: 69 Neutral
• Price Target: $14.50 ▲(3.65% Upside)

Home Federal Bancorp's overall stock score is driven by its financial stability and attractive valuation, supported by a solid dividend yield. Despite some bearish technical indicators, the company's strong dividend history and low P/E ratio make it a compelling investment for value-oriented investors. Continued focus on revenue growth and asset management will be key to enhancing future performance.

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

Home Federal Bancorp of Louisiana generates revenue through various streams common to the banking industry. Its primary sources of income include interest income from loans and mortgages offered to customers, as well as interest earned on investment securities. Additionally, the bank earns non-interest income from fees associated with deposit accounts, transaction processing, and other financial services. HFBL's earnings are further supported by its strategic management of interest rate spreads and its commitment to maintaining a robust loan portfolio. The company's performance is also influenced by regional economic conditions and its ability to attract and retain local customers.

Home Federal Bancorp Of Louisiana Financial Statement Overview

Summary

Home Federal Bancorp of Louisiana demonstrates financial stability with strong profitability margins and cash flow generation, despite a reduction in revenue growth in the TTM. The company maintains a solid balance sheet with low leverage, providing a buffer against economic fluctuations. Continued focus on revenue growth and asset management will be crucial in maintaining its financial health.

Income Statement

Home Federal Bancorp of Louisiana shows a resilient income statement with a stable gross profit margin and positive net profit margin in the TTM (Trailing-Twelve-Months). Revenue growth is a concern, with a decline from the previous annual report. Despite this, EBIT and EBITDA margins remain healthy, indicating efficient cost management.

Balance Sheet

The balance sheet reflects a strong equity position with a high equity ratio. The debt-to-equity ratio is low, indicating conservative leverage. However, total assets have slightly decreased, which may impact growth opportunities.

Cash Flow

Cash flow analysis shows a robust operating cash flow to net income ratio, indicating strong cash generation from operations. Free cash flow has improved significantly in the TTM, suggesting better cash management after previously negative figures.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	29.65M	20.80M	33.29M	28.53M	22.49M	25.33M
Gross Profit	20.70M	20.80M	20.38M	22.58M	20.28M	20.23M
EBITDA	5.62M	4.65M	5.35M	7.64M	6.76M	7.47M
Net Income	3.89M	3.89M	3.59M	5.70M	4.87M	5.37M
Balance Sheet
Total Assets	609.49M	609.49M	637.51M	660.91M	590.48M	565.73M
Cash, Cash Equivalents and Short-Term Investments	51.59M	51.59M	42.28M	59.34M	70.35M	90.33M
Total Debt	4.00M	4.00M	7.00M	8.55M	3.18M	3.27M
Total Liabilities	554.29M	554.29M	584.71M	610.37M	538.13M	513.01M
Stockholders Equity	55.20M	55.20M	52.80M	50.54M	52.35M	52.73M
Cash Flow
Free Cash Flow	4.42M	0.00	-368.00K	10.92M	14.48M	5.98M
Operating Cash Flow	4.45M	0.00	2.32M	12.11M	17.06M	8.33M
Investing Cash Flow	13.14M	0.00	34.48M	-115.31M	-78.79M	-1.42M
Financing Cash Flow	-22.10M	-33.29M	-26.62M	63.90M	21.41M	42.62M

Home Federal Bancorp Of Louisiana Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 13.99
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

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 13.99 is above the 20-day moving average (MA) of 13.69, above the 50-day MA of 13.44, and above the 200-day MA of 13.06, indicating a bullish trend. The MACD of 0.12 indicates Negative momentum. The RSI at 63.93 is Neutral, neither overbought nor oversold. The STOCH value of 100.00 is Negative, 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
OPHC	72 Outperform	$48.88M	3.23	14.85%	―	25.77%	12.09%
HFBL	69 Neutral	$42.51M	11.01	7.20%	3.75%	-2.93%	7.89%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
ASRV	62 Neutral	$49.56M	13.40	3.45%	3.97%	6.06%	―
TCBS	57 Neutral	$48.01M	20.58	4.50%	0.99%	13.47%	―
CLST	57 Neutral	$55.15M	23.79	2.69%	―	107.33%	―

Home Federal Bancorp Of Louisiana Corporate Events

Home Federal Bancorp Increases Quarterly Dividend Again

On July 23, 2025, Home Federal Bancorp, Inc. of Louisiana announced an increase in its quarterly cash dividend to $0.135 per share, marking the twelfth consecutive annual increase. This decision reflects the company’s commitment to shareholder value and confidence in its financial strength, with a payout ratio of approximately 49.5% based on earnings for the trailing four fiscal quarters ended March 31, 2025.