Home Federal Bancorp Of Louisiana (HFBL) AI Stock Analysis

• Market Cap: $55.04M
• Dividend Yield: 3.21%
• Average Volume (3M): 1.88K
• Price to Earnings (P/E): 8.1
• Beta (1Y): 0.09
• 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: 3,074,637
• 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: 0.74
• Enterprise Value/Revenue: 1.23
• Enterprise Value/Gross Profit: 1.84
• Enterprise Value/Ebitda: 5.26
• 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: $18.50 ▲(21.95% Upside)
• Action: Reiterated Date: 02/13/26
• Date: Action: Reiterated 02/13/26

HFBL scores well primarily due to strong financial positioning—especially balance sheet strength and improved TTM profitability—tempered by historical earnings and cash-flow variability. Technicals are supportive with price above key moving averages and positive MACD, while valuation is reasonable with a moderate P/E and a ~2.9% dividend yield. The recent dividend declaration adds a modest positive.

Positive Factors

Conservative, well-capitalized balance sheet

A conservatively levered balance sheet with low debt-to-equity and a sizable equity base supports resilience through credit cycles. This structural strength increases loss-absorption capacity, preserves lending flexibility, and underpins sustained dividend capacity and strategic optionality over months to years.

Negative Factors

Choppy cash flow history

Volatile free cash flow across periods reduces predictability of internal funding for loans, capital returns, or special investments. Negative FCF in 2024 and inconsistent operating coverage increase the risk that capital actions (dividends, buybacks) could be harder to sustain during stress or require reliance on balance-sheet buffers.

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 subsidiar...

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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 subsidiar...

How the Company Makes Money

HFBL primarily makes money through its banking subsidiary by earning net interest income and generating fee-based income. Net interest income is the largest driver for a traditional savings bank: the bank collects interest and fees on loans (e.g.,...

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HFBL primarily makes money through its banking subsidiary by earning net interest income and generating fee-based income. Net interest income is the largest driver for a traditional savings bank: the bank collects interest and fees on loans (e.g.,...

Home Federal Bancorp Of Louisiana Financial Statement Overview

Breakdown	TTM	Jun 2025	Jun 2024	Jun 2023	Jun 2022	Jun 2021
Income Statement
Total Revenue	33.22M	32.33M	33.29M	28.53M	22.49M	25.33M
Gross Profit	22.17M	20.67M	20.38M	22.58M	20.28M	20.23M
EBITDA	7.74M	6.02M	5.35M	7.64M	6.76M	7.47M
Net Income	5.20M	3.89M	3.59M	5.70M	4.87M	5.37M
Balance Sheet
Total Assets	621.45M	609.49M	637.51M	660.91M	590.48M	565.73M
Cash, Cash Equivalents and Short-Term Investments	57.71M	50.44M	42.28M	59.34M	70.35M	90.33M
Total Debt	4.00M	4.00M	7.00M	8.55M	3.18M	3.27M
Total Liabilities	563.70M	554.29M	584.71M	610.37M	538.13M	513.01M
Stockholders Equity	57.75M	55.20M	52.80M	50.54M	52.35M	52.73M
Cash Flow
Free Cash Flow	7.61M	5.43M	-368.00K	10.92M	14.48M	5.98M
Operating Cash Flow	7.64M	5.47M	2.32M	12.11M	17.06M	8.33M
Investing Cash Flow	-13.77M	10.21M	34.48M	-115.31M	-78.79M	-1.42M
Financing Cash Flow	5.48M	-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: Negative
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

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 17.34, below the 50-day MA of 18.20, and below the 200-day MA of 15.51, indicating a neutral trend. The MACD of -0.15 indicates Negative momentum. The RSI at 53.49 is Neutral, neither overbought nor oversold. The STOCH value of 81.73 is Negative, 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	$55.04M	8.12	9.28%	3.21%	0.32%	37.93%
OPHC	78 Outperform	$64.00M	3.00	14.54%	―	14.91%	0.81%
CLST	68 Neutral	$69.40M	32.15	2.53%	―	76.66%	―
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
ASRV	64 Neutral	$63.28M	9.39	4.93%	3.87%	6.89%	―
TCBS	64 Neutral	$48.94M	17.24	5.34%	1.10%	12.12%	―

Home Federal Bancorp Of Louisiana Corporate Events