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Home Federal Bancorp Inc. Of Louisiana (HFBL)
NASDAQ:HFBL
US Market
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Home Federal Bancorp Of Louisiana (HFBL) AI Stock Analysis

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HFBL

Home Federal Bancorp Of Louisiana

(NASDAQ:HFBL)

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Outperform 72 (OpenAI - 4o)
Rating:72Outperform
Price Target:
$18.00
▲(20.00% Upside)
Home Federal Bancorp Of Louisiana shows a strong valuation with an attractive P/E ratio and dividend yield, contributing positively to the overall score. The technical analysis indicates strong momentum, although overbought conditions may pose short-term risks. Financial performance is stable but highlights areas for improvement in revenue growth and cash flow metrics.

Home Federal Bancorp Of Louisiana (HFBL) vs. SPDR S&P 500 ETF (SPY)

Home Federal Bancorp Of Louisiana Business Overview & Revenue Model

Company DescriptionHome 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 MoneyHFBL 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.
BreakdownTTMDec 2025Dec 2024Dec 2023Dec 2022Dec 2021
Income Statement
Total Revenue29.65M32.33M33.29M28.53M22.49M25.33M
Gross Profit20.67M20.67M20.38M22.58M20.28M20.23M
EBITDA5.62M6.02M5.35M7.64M6.76M7.47M
Net Income3.89M3.89M3.59M5.70M4.87M5.37M
Balance Sheet
Total Assets609.49M609.49M637.51M660.91M590.48M565.73M
Cash, Cash Equivalents and Short-Term Investments51.59M51.59M42.28M59.34M70.35M90.33M
Total Debt4.00M4.00M7.00M8.55M3.18M3.27M
Total Liabilities554.29M554.29M584.71M610.37M538.13M513.01M
Stockholders Equity55.20M55.20M52.80M50.54M52.35M52.73M
Cash Flow
Free Cash Flow5.43M5.43M-368.00K10.92M14.48M5.98M
Operating Cash Flow5.47M5.47M2.32M12.11M17.06M8.33M
Investing Cash Flow10.21M10.21M34.48M-115.31M-78.79M-1.42M
Financing Cash Flow-33.29M-33.29M-26.62M63.90M21.41M42.62M

Home Federal Bancorp Of Louisiana Technical Analysis

Technical Analysis Sentiment
Positive
Last Price15.00
Price Trends
50DMA
13.65
Positive
100DMA
13.43
Positive
200DMA
13.08
Positive
Market Momentum
MACD
0.26
Negative
RSI
80.54
Negative
STOCH
74.77
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 is above the 20-day moving average (MA) of 14.06, above the 50-day MA of 13.65, and above the 200-day MA of 13.08, indicating a bullish trend. The MACD of 0.26 indicates Negative momentum. The RSI at 80.54 is Negative, neither overbought nor oversold. The STOCH value of 74.77 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 1 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 0 New Risks

Home Federal Bancorp Of Louisiana Peers Comparison

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
$48.96M10.148.21%3.53%0.32%37.93%
$47.83M3.1714.85%25.77%12.09%
$50.88M10.244.54%3.76%6.89%
$18.00B11.429.92%3.81%9.73%1.22%
$54.84M23.022.72%76.66%
$47.62M20.474.50%1.00%13.47%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
HFBL
Home Federal Bancorp Of Louisiana
16.01
3.86
31.77%
ASRV
Ameriserv Financial
3.08
0.41
15.36%
OPHC
Optimumbank Holdings
4.07
-0.69
-14.50%
TCBS
Texas Community
16.20
1.35
9.09%
PBBK
PB Bankshares
19.65
4.50
29.70%
CLST
Catalyst Bancorp
13.42
2.02
17.72%

Home Federal Bancorp Of Louisiana Corporate Events

Stock BuybackDividends
Home Federal Bancorp Announces Quarterly Dividend
Positive
Oct 15, 2025

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.

The most recent analyst rating on (HFBL) stock is a Hold with a $14.50 price target. To see the full list of analyst forecasts on Home Federal Bancorp Of Louisiana stock, see the HFBL Stock Forecast page.

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.Date of analysis: Oct 30, 2025