Home Federal Bancorp Of Louisiana (HFBL) AI Stock Analysis

• Market Cap: $57.42M
• Dividend Yield: 3.21%
• Average Volume (3M): 1.88K
• Price to Earnings (P/E): 11.2
• Beta (1Y): 0.04
• Revenue Growth: 0.32%
• EPS Growth: 37.93%
• Country: US
• Employees: 78
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.54
• Shares Outstanding: 3,074,637
• 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: 0.74
• Enterprise Value/Revenue: 1.28
• Enterprise Value/Gross Profit: 1.91
• Enterprise Value/Ebitda: 5.47
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 78 Outperform
• Price Target: $21.50 ▲(41.73% Upside)
• Action: Reiterated Date: 02/13/26
• Date: Action: Reiterated 02/13/26

HFBL scores well primarily due to strong financial positioning—especially balance sheet strength and improved TTM profitability—tempered by historical earnings and cash-flow variability. Technicals are supportive with price above key moving averages and positive MACD, while valuation is reasonable with a moderate P/E and a ~2.9% dividend yield. The recent dividend declaration adds a modest positive.

Positive Factors

Conservative balance sheet

HFBL's conservatively levered balance sheet—low debt relative to equity and a sizable equity base—provides durable resilience. This structural strength supports lending capacity, credit loss absorption, regulatory capital cushions and the ability to withstand economic stress without forcing dilutive capital actions.

Improved trailing profitability and margins

Trailing-twelve-month profitability has improved, with mid-teens net margins and healthier operating profitability. Consistently stronger recent revenue and margins enhance the bank's ability to generate sustainable internal cash, fund lending growth and pay dividends over the medium term.

Ongoing capital return via dividend

The regular quarterly dividend declaration evidences management's confidence in capital and earnings durability. As a structural policy signal, steady payouts indicate disciplined balance-sheet management and a commitment to shareholder returns, which supports investor confidence over multiple quarters.

Negative Factors

Earnings and cash-flow volatility

HFBL's cash flow profile shows notable volatility: strong TTM free cash flow contrasts with a negative FCF year in 2024 and inconsistent operating cash coverage. This multi-period variability reduces predictability for dividend sustainability, provisioning and reinvestment planning over cycles.

Sensitivity to rate and credit cycles

As a traditional community bank reliant on net interest income, HFBL's profitability is structurally exposed to interest-rate shifts and credit-cost variability. This recurring sensitivity can compress margins or boost provisions in adverse cycles, limiting steady long-term earnings growth.

Limited scale and diversification

A small employee base implies modest scale and a concentrated regional footprint, restricting fee-income diversification and economies of scale. Limited scale can make tech investment, product expansion and absorption of localized credit stress more difficult over a multi-quarter horizon.

Home Federal Bancorp Of Louisiana Business Overview & Revenue Model

Company Description

Home Federal Bancorp of Louisiana (HFBL) is a financial institution headquartered in Louisiana, primarily engaged in providing a wide array of banking and financial services to individuals and businesses. The company operates through its subsidiary, Home Federal Bank, offering products such as savings accounts, checking accounts, loans, mortgages, and other related financial services. HFBL focuses on community banking, emphasizing personalized service and local decision-making to meet the needs of its customers in the surrounding areas.

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

Strong overall fundamentals with a conservatively levered, well-capitalized balance sheet (Balance Sheet Score 86) and improved TTM profitability (Income Statement Score 78). Cash generation is currently solid (Cash Flow Score 72), but multi-period volatility in earnings and free cash flow lowers confidence in consistency across cycles.

Income Statement

HFBL shows solid profitability and a favorable margin profile in TTM (Trailing-Twelve-Months), with net profit margin around the mid-teens and healthy operating profitability. Revenue is up sharply in TTM versus the prior annual period, and earnings have improved versus 2024–2025 annual results. The main offset is volatility: margins and net income were notably stronger in 2022–2023 than in 2024–2025, indicating earnings sensitivity to the rate/credit environment and less consistent operating momentum over the full cycle.

Balance Sheet

The balance sheet looks conservatively levered, with low debt relative to equity in TTM (Trailing-Twelve-Months) and a sizable equity base versus assets, which supports resilience. Returns on equity are reasonable (high-single to low-double digits) and improved in TTM versus the most recent annual period. The key watch-out is that returns have been uneven over time and are below the stronger 2023 level, suggesting profitability is not yet consistently maximizing the balance sheet.

Cash Flow

Cash generation is a clear positive in TTM (Trailing-Twelve-Months): operating cash flow and free cash flow are strong, and free cash flow is roughly in line with net income, indicating solid earnings quality. Results, however, have been choppy—2024 produced negative free cash flow, and the operating cash flow coverage figure is inconsistent/near-zero in the dataset, which increases uncertainty around cash-flow stability across periods.

Breakdown	TTM	Jun 2025	Jun 2024	Jun 2023	Jun 2022	Jun 2021
Income Statement
Total Revenue	33.22M	32.33M	33.29M	28.53M	22.49M	25.33M
Gross Profit	22.17M	20.67M	20.38M	22.58M	20.28M	20.23M
EBITDA	7.74M	6.02M	5.35M	7.64M	6.76M	7.47M
Net Income	5.20M	3.89M	3.59M	5.70M	4.87M	5.37M
Balance Sheet
Total Assets	621.45M	609.49M	637.51M	660.91M	590.48M	565.73M
Cash, Cash Equivalents and Short-Term Investments	57.71M	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	563.70M	554.29M	584.71M	610.37M	538.13M	513.01M
Stockholders Equity	57.75M	55.20M	52.80M	50.54M	52.35M	52.73M
Cash Flow
Free Cash Flow	7.61M	5.43M	-368.00K	10.92M	14.48M	5.98M
Operating Cash Flow	7.64M	5.47M	2.32M	12.11M	17.06M	8.33M
Investing Cash Flow	-13.77M	10.21M	34.48M	-115.31M	-78.79M	-1.42M
Financing Cash Flow	5.48M	-33.29M	-26.62M	63.90M	21.41M	42.62M

Home Federal Bancorp Of Louisiana Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 15.17
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• 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 15.17 is below the 20-day moving average (MA) of 18.70, below the 50-day MA of 17.81, and above the 200-day MA of 14.77, indicating a neutral trend. The MACD of 0.31 indicates Positive momentum. The RSI at 54.11 is Neutral, neither overbought nor oversold. The STOCH value of 70.56 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	78 Outperform	$57.42M	11.19	8.21%	3.21%	0.32%	37.93%
OPHC	75 Outperform	$60.55M	5.23	15.03%	―	14.91%	0.81%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
ASRV	66 Neutral	$61.46M	11.02	4.54%	3.87%	6.89%	―
CLST	65 Neutral	$69.27M	29.92	2.72%	―	76.66%	―
TCBS	55 Neutral	$49.04M	19.70	4.74%	1.10%	12.12%	―

Home Federal Bancorp Of Louisiana Corporate Events

Home Federal Bancorp Declares Quarterly Cash Dividend

On January 21, 2026, Home Federal Bancorp, Inc. of Louisiana, the holding company for Home Federal Bank in northwest Louisiana, announced that its board had declared a quarterly cash dividend of $0.135 per share on its common stock. The dividend, payable on February 16, 2026 to shareholders of record as of February 2, 2026, underscores the company’s continued practice of returning capital to investors and signals ongoing confidence in the bank’s financial position and ability to generate shareholder value.

The most recent analyst rating on (HFBL) stock is a Hold with a $19.50 price target. To see the full list of analyst forecasts on Home Federal Bancorp Of Louisiana stock, see the HFBL Stock Forecast page.