Home Federal Bancorp Of Louisiana (HFBL) AI Stock Analysis

• Market Cap: $56.30M
• Dividend Yield: 3.21%
• Average Volume (3M): 1.88K
• Price to Earnings (P/E): 10.7
• 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: 3,088,261
• 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: 0.73
• Enterprise Value/Revenue: 1.24
• Enterprise Value/Gross Profit: 1.85
• Enterprise Value/Ebitda: 5.30
• 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: $22.00 ▲(45.02% Upside)

The score is driven primarily by solid financial performance (strong balance sheet and stable profitability, with some cash-flow conversion weakness), supported by bullish technical trends (price above key moving averages and positive MACD). Valuation is also favorable with a moderate P/E and a meaningful dividend yield.

Positive Factors

Strong balance sheet / low leverage

Conservative leverage and a strong equity ratio provide a durable capital buffer, enabling the bank to absorb credit losses, maintain lending through stress periods, and meet regulatory capital needs — a lasting advantage for a regional community bank.

Improving free cash flow

Rising free cash flow and an FCF-to-net-income ratio near one enhance internal funding capacity for dividends, loan originations, and capital expenses. Steady cash generation reduces reliance on external funding and supports strategic flexibility over months.

Stable revenue and solid margins

Consistent modest revenue growth combined with healthy operating margins indicates durable core profitability from lending and fee businesses. This margin stability supports sustainable earnings and underwriting discipline typical of a focused community bank.

Negative Factors

Weak operating cash conversion

Low conversion of net income into operating cash flow signals potential earnings quality or accrual timing issues. Persisting gaps can constrain liquidity available for lending, capital deployment, or dividends and raise funding sensitivity over the medium term.

Volatile net profit margins

Fluctuating net margins suggest sensitivity to credit costs, interest spread changes, or expense variability. For a regional bank, margin volatility can erode retained earnings and capital buffers, complicating planning for lending growth and shareholder returns.

Limited scale and diversification

A small operating footprint and low trading/liquidity metrics reflect limited scale, which constrains diversification, pricing power, and fixed-cost absorption. This increases sensitivity to local economic cycles and limits capacity for large strategic investments.

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

Financial statements indicate solid overall health: stable (though modest) revenue growth and efficient operating margins, a strong balance sheet with low leverage and a solid equity base, and improving free cash flow. The main weakness is weaker conversion of net income into operating cash flow, which tempers the score.

Income Statement

Home Federal Bancorp Of Louisiana shows a stable income statement with a consistent revenue growth trend, albeit at a modest pace. The gross profit margin is healthy, indicating efficient cost management. However, the net profit margin has seen some fluctuations, suggesting potential volatility in net earnings. The EBIT and EBITDA margins are solid, reflecting strong operational efficiency.

Balance Sheet

The balance sheet is robust with a low debt-to-equity ratio, indicating conservative leverage and financial stability. Return on equity is moderate, suggesting efficient use of equity to generate profits. The equity ratio is strong, highlighting a solid capital structure with a significant portion of assets financed by equity.

Cash Flow

Cash flow analysis reveals a positive trend in free cash flow growth, indicating improved cash generation capabilities. The operating cash flow to net income ratio is low, suggesting potential challenges in converting income into cash. However, the free cash flow to net income ratio is nearly 1, showing effective cash management relative to net income.

Breakdown	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	32.33M	33.29M	28.53M	22.49M	25.33M
Gross Profit	20.67M	20.38M	22.58M	20.28M	20.23M
EBITDA	6.02M	5.35M	7.64M	6.76M	7.47M
Net Income	3.89M	3.59M	5.70M	4.87M	5.37M
Balance Sheet
Total Assets	609.49M	637.51M	660.91M	590.48M	565.73M
Cash, Cash Equivalents and Short-Term Investments	50.44M	42.28M	59.34M	70.35M	90.33M
Total Debt	4.00M	7.00M	8.55M	3.18M	3.27M
Total Liabilities	554.29M	584.71M	610.37M	538.13M	513.01M
Stockholders Equity	55.20M	52.80M	50.54M	52.35M	52.73M
Cash Flow
Free Cash Flow	5.43M	-368.00K	10.92M	14.48M	5.98M
Operating Cash Flow	5.47M	2.32M	12.11M	17.06M	8.33M
Investing Cash Flow	10.21M	34.48M	-115.31M	-78.79M	-1.42M
Financing Cash Flow	-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: Negative
• 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 17.97, below the 50-day MA of 16.99, and above the 200-day MA of 14.41, indicating a bullish trend. The MACD of 0.44 indicates Negative momentum. The RSI at 54.33 is Neutral, neither overbought nor oversold. The STOCH value of 61.30 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	$56.30M	10.67	8.21%	3.21%	0.32%	37.93%
OPHC	73 Outperform	$54.32M	4.10	15.03%	―	14.91%	0.81%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
ASRV	66 Neutral	$54.52M	9.72	4.54%	3.87%	6.89%	―
CLST	65 Neutral	$63.97M	27.62	2.72%	―	76.66%	―
TCBS	55 Neutral	$48.50M	19.88	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.