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

Home Federal Bancorp Of Louisiana (HFBL) AI Stock Analysis

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Home Federal Bancorp Of Louisiana

(NASDAQ:HFBL)

Rating:71Outperform
Price Target:
$15.00
▲(12.78%Upside)
Home Federal Bancorp of Louisiana's overall stock score reflects strong financial stability and reasonable valuation. The stock shows a stable technical setup, with no strong overbought signals. The company's commitment to dividends enhances its attractiveness to investors seeking income. Despite a decline in revenue growth, the company's robust profitability and low leverage support its financial health.

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 regional financial institution that operates in the banking sector, primarily serving the communities in and around Shreveport, Louisiana. The company offers a range of banking services including personal and business banking, mortgage lending, and savings products. As a community-focused bank, HFBL is committed to providing tailored financial solutions to meet the needs of its local customers.
How the Company Makes MoneyHome 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 presents a financially stable picture with strong profitability and no debt burden. While the income statement shows effective cost management, the decline in revenue growth is a concern. The balance sheet demonstrates a sound equity base, and cash flow generation is improving, though there is still potential for better cash conversion.
Income Statement
75
Positive
The income statement reflects a stable financial performance with positive growth. Gross profit margin for TTM is robust, and net profit margin is reasonable at 13.01%. EBIT margin is strong at 41.56%, demonstrating efficient cost management. However, there is a negative revenue growth of 12.68% over the past year, signaling a potential concern.
Balance Sheet
82
Very Positive
The balance sheet is solid, with a strong equity position. The debt-to-equity ratio is 0, indicating no reliance on debt financing, which reduces financial risk. Equity ratio is healthy at 8.87%, and ROE for TTM stands at 6.18%. The company's assets are well-supported by equity, showcasing financial stability.
Cash Flow
68
Positive
Cash flow metrics are mixed, with a free cash flow growth rate of 111.02% indicating improved cash generation. The operating cash flow to net income ratio is 0.71, showing adequate cash conversion. However, the free cash flow to net income ratio is 0.36, suggesting room for improvement in converting profits to cash.
BreakdownTTMJun 2024Jun 2023Jun 2022Jun 2021Jun 2020
Income Statement
Total Revenue32.34M33.29M28.53M22.49M25.33M23.92M
Gross Profit19.89M20.38M22.58M20.28M20.23M16.87M
EBITDA5.19M5.35M7.64M6.76M7.47M5.46M
Net Income3.35M3.59M5.70M4.87M5.37M3.85M
Balance Sheet
Total Assets619.62M637.51M660.91M590.48M565.73M518.22M
Cash, Cash Equivalents and Short-Term Investments62.59M42.28M59.34M70.35M90.33M78.86M
Total Debt4.00M7.00M8.55M3.18M3.27M3.36M
Total Liabilities564.90M584.71M610.37M538.13M513.01M467.69M
Stockholders Equity54.72M52.80M50.54M52.35M52.73M50.53M
Cash Flow
Free Cash Flow5.90M-368.00K10.92M14.48M5.98M-770.00K
Operating Cash Flow6.31M2.32M12.11M17.06M8.33M200.00K
Investing Cash Flow44.97M34.48M-115.31M-78.79M-1.42M-32.51M
Financing Cash Flow-28.86M-26.62M63.90M21.41M42.62M69.07M

Home Federal Bancorp Of Louisiana Technical Analysis

Technical Analysis Sentiment
Positive
Last Price13.30
Price Trends
50DMA
13.25
Positive
100DMA
13.05
Positive
200DMA
12.72
Positive
Market Momentum
MACD
<0.01
Positive
RSI
54.27
Neutral
STOCH
22.12
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 13.3 is below the 20-day moving average (MA) of 13.33, above the 50-day MA of 13.25, and above the 200-day MA of 12.72, indicating a bullish trend. The MACD of <0.01 indicates Positive momentum. The RSI at 54.27 is Neutral, neither overbought nor oversold. The STOCH value of 22.12 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 (67)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
78
Outperform
$51.82M3.3015.30%43.98%37.57%
75
Outperform
$48.90M13.663.36%4.05%7.80%
71
Outperform
$42.16M11.986.24%3.85%-2.69%-21.26%
67
Neutral
$16.47B11.309.71%3.94%11.97%-10.51%
60
Neutral
$49.00M24.173.88%0.99%19.16%
57
Neutral
$51.63M22.422.70%152.27%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
HFBL
Home Federal Bancorp Of Louisiana
13.30
2.29
20.80%
ASRV
Ameriserv Financial
2.97
0.68
29.69%
OPHC
Optimumbank Holdings
4.45
0.15
3.49%
TCBS
Texas Community
16.10
1.65
11.42%
CLST
Catalyst Bancorp
12.25
0.70
6.06%

Home Federal Bancorp Of Louisiana Corporate Events

Dividends
Home Federal Bancorp Declares Quarterly Cash Dividend
Positive
Apr 16, 2025

On April 16, 2025, Home Federal Bancorp, Inc. of Louisiana announced that its Board of Directors declared a quarterly cash dividend of $0.13 per share, payable on May 12, 2025, to shareholders of record as of April 28, 2025. This decision reflects the company’s ongoing commitment to providing value to its shareholders and may positively influence investor confidence and market perception.

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: Jun 26, 2025