Home Federal Bancorp Of Louisiana (HFBL) AI Stock Analysis

• Market Cap: $42.16M
• Dividend Yield: 3.85%
• Average Volume (3M): 1.82K
• Price to Earnings (P/E): 12.0
• Beta (1Y): -0.18
• Revenue Growth: -2.69%
• EPS Growth: -21.26%
• Country: US
• Employees: 78
• Sector: Financial
• Sector Strength: 80
• Industry: Banks - Regional
• EPS (TTM): 0.24
• Shares Outstanding: 3,122,764
• 10 Day Avg. Volume: 3,069
• 30 Day Avg. Volume: 1,817
• PEG Ratio: N/A
• Price to Book (P/B): 0.73
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 6.91
• Enterprise Value/Market Cap: 0.34
• Enterprise Value/Revenue: 0.11
• Enterprise Value/Gross Profit: 0.72
• Enterprise Value/Ebitda: 0.70
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 71 Outperform
• 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 Business Overview & Revenue Model

Company Description

Home 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 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 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

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

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

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.

Breakdown	TTM	Jun 2024	Jun 2023	Jun 2022	Jun 2021	Jun 2020
Income Statement
Total Revenue	32.34M	33.29M	28.53M	22.49M	25.33M	23.92M
Gross Profit	19.89M	20.38M	22.58M	20.28M	20.23M	16.87M
EBITDA	5.19M	5.35M	7.64M	6.76M	7.47M	5.46M
Net Income	3.35M	3.59M	5.70M	4.87M	5.37M	3.85M
Balance Sheet
Total Assets	619.62M	637.51M	660.91M	590.48M	565.73M	518.22M
Cash, Cash Equivalents and Short-Term Investments	62.59M	42.28M	59.34M	70.35M	90.33M	78.86M
Total Debt	4.00M	7.00M	8.55M	3.18M	3.27M	3.36M
Total Liabilities	564.90M	584.71M	610.37M	538.13M	513.01M	467.69M
Stockholders Equity	54.72M	52.80M	50.54M	52.35M	52.73M	50.53M
Cash Flow
Free Cash Flow	5.90M	-368.00K	10.92M	14.48M	5.98M	-770.00K
Operating Cash Flow	6.31M	2.32M	12.11M	17.06M	8.33M	200.00K
Investing Cash Flow	44.97M	34.48M	-115.31M	-78.79M	-1.42M	-32.51M
Financing Cash Flow	-28.86M	-26.62M	63.90M	21.41M	42.62M	69.07M

Home Federal Bancorp Of Louisiana Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 13.30
• 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 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 Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
OPHC	78 Outperform	$51.82M	3.30	15.30%	―	43.98%	37.57%
ASRV	75 Outperform	$48.90M	13.66	3.36%	4.05%	7.80%	―
HFBL	71 Outperform	$42.16M	11.98	6.24%	3.85%	-2.69%	-21.26%
Sector *	67 Neutral	$16.47B	11.30	9.71%	3.94%	11.97%	-10.51%
TCBS	60 Neutral	$49.00M	24.17	3.88%	0.99%	19.16%	―
CLST	57 Neutral	$51.63M	22.42	2.70%	―	152.27%	―

Home Federal Bancorp Of Louisiana Corporate Events

Home Federal Bancorp Declares Quarterly Cash Dividend

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.