Home Federal Bancorp Of Louisiana (HFBL) AI Stock Analysis

• Market Cap: $42.16M
• Dividend Yield: 3.96%
• Average Volume (3M): 3.77K
• Price to Earnings (P/E): 10.7
• Beta (1Y): -0.10
• Revenue Growth: -2.93%
• EPS Growth: 7.89%
• Country: US
• Employees: 78
• Sector: Financial
• Sector Strength: 67
• Industry: Banks - Regional
• EPS (TTM): 0.38
• Shares Outstanding: 3,122,764
• 10 Day Avg. Volume: 323
• 30 Day Avg. Volume: 3,771
• PEG Ratio: N/A
• Price to Book (P/B): 0.00
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: 0.92
• Enterprise Value/Revenue: 1.20
• Enterprise Value/Gross Profit: 1.95
• Enterprise Value/Ebitda: 7.46
• 1Y Price Target: $14.50
• Price Target Upside: 9.43% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 0

• Rating: 69 Neutral
• Price Target: $14.50 ▲(9.43% Upside)

Home Federal Bancorp's overall stock score is driven by its financial stability and attractive valuation, supported by a solid dividend yield. Despite some bearish technical indicators, the company's strong dividend history and low P/E ratio make it a compelling investment for value-oriented investors. Continued focus on revenue growth and asset management will be key to enhancing future performance.

Home Federal Bancorp Of Louisiana Business Overview & Revenue Model

Company Description

Home Federal Bancorp, Inc. of Louisiana operates as the holding company for Home Federal Bank that provides various financial services to individuals, corporate entities, and other organizations. The company accepts various deposits, such as passbook savings, certificates of deposit, and demand deposit accounts. Its loan products include one-to-four family residential real estate loans; commercial real estate secured loans; multi-family residential loans; commercial business loans; land loans; construction loans; home equity and second mortgage loans; equity lines of credit; and consumer non-real estate loans, including loans secured by deposit accounts, automobile loans, overdrafts, and other unsecured loans. As of August 25, 2021, it operated seven full-service banking offices. The company was founded in 1924 and is based in Shreveport, Louisiana.

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 demonstrates financial stability with strong profitability margins and cash flow generation, despite a reduction in revenue growth in the TTM. The company maintains a solid balance sheet with low leverage, providing a buffer against economic fluctuations. Continued focus on revenue growth and asset management will be crucial in maintaining its financial health.

Income Statement

Home Federal Bancorp of Louisiana shows a resilient income statement with a stable gross profit margin and positive net profit margin in the TTM (Trailing-Twelve-Months). Revenue growth is a concern, with a decline from the previous annual report. Despite this, EBIT and EBITDA margins remain healthy, indicating efficient cost management.

Balance Sheet

The balance sheet reflects a strong equity position with a high equity ratio. The debt-to-equity ratio is low, indicating conservative leverage. However, total assets have slightly decreased, which may impact growth opportunities.

Cash Flow

Cash flow analysis shows a robust operating cash flow to net income ratio, indicating strong cash generation from operations. Free cash flow has improved significantly in the TTM, suggesting better cash management after previously negative figures.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 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: 13.25
• 50DMA: Negative
• 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 13.25 is below the 20-day moving average (MA) of 13.35, below the 50-day MA of 13.32, and above the 200-day MA of 12.76, indicating a neutral trend. The MACD of -0.05 indicates Positive momentum. The RSI at 49.22 is Neutral, neither overbought nor oversold. The STOCH value of 47.17 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	72 Outperform	$53.35M	3.41	14.85%	―	43.98%	37.57%
HFBL	69 Neutral	$42.16M	10.71	7.20%	3.96%	-2.93%	7.89%
ASRV	69 Neutral	$47.91M	12.95	3.26%	4.11%	6.06%	―
Sector *	67 Neutral	$17.02B	11.60	9.79%	3.95%	10.61%	2.06%
TCBS	54 Neutral	$48.38M	20.53	4.50%	1.01%	13.47%	―
PBBK	―	$46.43M	19.48	9.44%	―	―	―
CLST	57 Neutral	$52.26M	22.42	2.69%	―	107.33%	―

Home Federal Bancorp Of Louisiana Corporate Events

Home Federal Bancorp Increases Quarterly Dividend Again

On July 23, 2025, Home Federal Bancorp, Inc. of Louisiana announced an increase in its quarterly cash dividend to $0.135 per share, marking the twelfth consecutive annual increase. This decision reflects the company’s commitment to shareholder value and confidence in its financial strength, with a payout ratio of approximately 49.5% based on earnings for the trailing four fiscal quarters ended March 31, 2025.