Home Federal Bancorp Inc. Of Louisiana (HFBL)
NASDAQ:HFBL
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Home Federal Bancorp Of Louisiana
(NASDAQ:HFBL)
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Rating:80Outperform
Price Target:
$22.00
▲(45.02% Upside)
Action:ReiteratedDate:04/16/26
HFBL scores well primarily on strong financial fundamentals (notably a conservatively positioned balance sheet) and attractive valuation (low P/E plus a steady dividend). Technicals are supportive but appear somewhat stretched, while recent dividend declarations add a modest positive signal without materially altering the core risk of earnings/cash-flow variability.
Positive Factors
Conservative Balance Sheet
A conservatively levered balance sheet with low debt relative to equity provides a durable buffer against credit stress and rate volatility. This capital base supports lending capacity, regulatory flexibility and the ability to sustain dividends or absorb loan losses across multi-quarter cycles.
Negative Factors
Earnings & Cashflow Volatility
Choppy earnings and cash flows reduce predictability of future profitability and complicate capital planning. For a small regional bank, volatility from credit cycles or rate shifts can constrain lending growth, pressure reserves, and force more conservative capital buffers that limit long-term return expansion.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative Balance Sheet
A conservatively levered balance sheet with low debt relative to equity provides a durable buffer against credit stress and rate volatility. This capital base supports lending capacity, regulatory flexibility and the ability to sustain dividends or absorb loan losses across multi-quarter cycles.
Read all positive factors
Home Federal Bancorp Of Louisiana (HFBL) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$58.42M
Dividend Yield3.21%
Average Volume (3M)1.88K
Price to Earnings (P/E)8.9
Beta (1Y)0.14
Revenue Growth2.23%
EPS Growth57.73%
CountryUS
Employees78
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.48
Shares Outstanding3,074,637
10 Day Avg. Volume2,216
30 Day Avg. Volume1,879
Financial Highlights & Ratios
PEG Ratio1.40
Price to Book (P/B)0.75
Price to Sales (P/S)1.29
P/FCF Ratio7.67
Enterprise Value/Market Cap0.75
Enterprise Value/Revenue1.32
Enterprise Value/Gross Profit1.99
Enterprise Value/Ebitda5.68
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
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...
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.,...
Home Federal Bancorp Of Louisiana Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
86
Very Positive
Cash Flow
72
Positive
| 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 | 20.52M | 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
Positive
15.17
Price Trends
18.23
Positive
17.64
Positive
15.71
Positive
Market Momentum
0.30
Negative
65.15
Neutral
90.00
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 17.72, below the 50-day MA of 18.23, and below the 200-day MA of 15.71, indicating a bullish trend. The MACD of 0.30 indicates Negative momentum. The RSI at 65.15 is Neutral, neither overbought nor oversold. The STOCH value of 90.00 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 Risk Analysis
Home Federal Bancorp Of Louisiana disclosed 2 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 1 New Risks
Home Federal Bancorp Of Louisiana Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
80 Outperform | $58.42M | 8.88 | 9.28% | 3.21% | 2.23% | 57.73% | |
79 Outperform | $67.77M | 3.27 | 14.63% | ― | 15.63% | 5.77% | |
68 Neutral | $64.73M | 25.88 | 2.53% | ― | -0.66% | -0.51% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | $67.35M | 8.54 | 4.93% | 3.87% | 4.99% | 50.85% | |
64 Neutral | $47.87M | 15.11 | 5.34% | 1.10% | 3.83% | 55.71% |
* Financial Sector Average
HFBL
Home Federal Bancorp Of Louisiana
19.00
6.29
49.51%
ASRV
Ameriserv Financial
3.97
1.61
68.29%
OPHC
Optimumbank Holdings
5.57
1.13
25.45%
TCBS
Texas Community
16.59
1.29
8.44%
CLST
Catalyst Bancorp
15.95
4.35
37.50%
Home Federal Bancorp Of Louisiana Corporate Events
Dividends
Home Federal Bancorp Declares Quarterly Cash Dividend Payment
Positive
Apr 15, 2026
On April 15, 2026, Home Federal Bancorp, Inc. of Louisiana announced that its Board of Directors declared a quarterly cash dividend of $0.135 per share on its common stock. The dividend will be paid on May 11, 2026, to shareholders of record as of...
Dividends
Home Federal Bancorp Declares Quarterly Cash Dividend
Positive
Jan 21, 2026
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, ...
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.