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Home Federal Bancorp Of Louisiana
(NASDAQ:HFBL)
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Rating:70Outperform
Price Target:
$27.00
▲(4.17% Upside)
Action:Reiterated
Date:10/22/26
HFBL’s score is primarily supported by solid and improving financial performance—stronger 2026 profitability, low leverage, and better cash generation—offset by mixed/soft technical momentum (negative MACD and sub-50 RSI). Reasonable valuation (P/E ~11.8) and a ~2.3% dividend provide additional support, while the recent dividend event is a modest positive.
Positive Factors
Improving profitability
The sharp improvement in net and operating profitability indicates stronger current earnings power for the regional bank. If maintained, higher margins can support capital formation, shareholder returns, and investment in the franchise over the next several quarters.
Negative Factors
Uneven revenue growth
The revenue rebound is constructive, but the recent decline and wider historical volatility make the bank’s top-line growth less predictable. Uneven revenue can limit operating leverage and make future profitability more dependent on interest-rate conditions and local banking demand.
Read all positive and negative factors
Positive Factors
Negative Factors
Improving profitability
The sharp improvement in net and operating profitability indicates stronger current earnings power for the regional bank. If maintained, higher margins can support capital formation, shareholder returns, and investment in the franchise over the next several quarters.
Read all positive factors
Home Federal Bancorp Of Louisiana (HFBL) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$72.73M
Dividend Yield2.22%
Average Volume (3M)1.29K
Price to Earnings (P/E)11.8
Beta (1Y)0.18
Revenue Growth7.71%
EPS Growth60.72%
CountryUS
Employees74
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)2.04
Shares Outstanding3,030,594
10 Day Avg. Volume1,731
30 Day Avg. Volume1,287
Financial Highlights & Ratios
PEG Ratio0.17
Price to Book (P/B)1.08
Price to Sales (P/S)1.81
P/FCF Ratio8.31
Enterprise Value/Market Cap0.92
Enterprise Value/Revenue1.97
Enterprise Value/Gross Profit2.91
Enterprise Value/Ebitda7.84
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, Inc. of Louisiana functions as the parent entity for Home Federal Bank, which delivers a comprehensive suite of financial solutions. These services are provided to a diverse clientele, including private individuals, businesse...
How the Company Makes Money
HFBL makes money primarily through the earnings of its banking subsidiary, Home Federal Bank. The core revenue driver is net interest income: the bank earns interest and fees on loans and other interest-earning assets (such as investment securitie...
Home Federal Bancorp Of Louisiana Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
82
Very Positive
Cash Flow
69
Positive
| Breakdown | Jun 2026 | Jun 2025 | Jun 2024 | Jun 2023 | Jun 2022 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 34.97M | 32.33M | 33.29M | 28.53M | 22.49M |
| Gross Profit | 23.67M | 20.67M | 20.38M | 22.58M | 20.28M |
| EBITDA | 8.91M | 6.02M | 5.35M | 7.64M | 6.76M |
| Net Income | 6.17M | 3.89M | 3.59M | 5.70M | 4.87M |
Balance Sheet | |||||
| Total Assets | 643.33M | 609.49M | 637.51M | 660.91M | 590.48M |
| Cash, Cash Equivalents and Short-Term Investments | 77.93M | 50.44M | 42.28M | 59.34M | 70.35M |
| Total Debt | 4.41M | 4.00M | 7.00M | 8.55M | 3.18M |
| Total Liabilities | 584.57M | 554.29M | 584.71M | 610.37M | 538.13M |
| Stockholders Equity | 58.76M | 55.20M | 52.80M | 50.54M | 52.35M |
Cash Flow | |||||
| Free Cash Flow | 7.62M | 5.43M | -368.00K | 10.92M | 14.48M |
| Operating Cash Flow | 7.62M | 5.47M | 2.32M | 12.11M | 17.06M |
| Investing Cash Flow | -18.03M | 10.21M | 34.48M | -115.31M | -78.79M |
| Financing Cash Flow | 27.37M | -33.29M | -26.62M | 63.90M | 21.41M |
Home Federal Bancorp Of Louisiana Technical Analysis
Negative
25.92
Price Trends
24.95
Negative
23.20
Negative
20.75
Positive
Market Momentum
-0.30
Positive
36.52
Neutral
18.25
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HFBL, the sentiment is Negative. The current price of 25.92 is above the 20-day moving average (MA) of 24.64, above the 50-day MA of 24.95, and above the 200-day MA of 20.75, indicating a neutral trend. The MACD of -0.30 indicates Positive momentum. The RSI at 36.52 is Neutral, neither overbought nor oversold. The STOCH value of 18.25 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative 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 |
|---|---|---|---|---|---|---|---|
83 Outperform | $109.44M | 5.07 | 16.39% | ― | 24.01% | 20.16% | |
70 Outperform | $72.73M | 11.78 | 10.69% | 2.22% | 7.71% | 60.72% | |
70 Outperform | $80.14M | 8.78 | 7.60% | 2.54% | 2.43% | 75.47% | |
68 Neutral | $68.30M | 29.73 | 2.47% | ― | 0.82% | -2.26% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | $48.84M | 14.33 | 6.14% | 1.45% | 5.94% | 51.02% |
* Financial Sector Average
HFBL
Home Federal Bancorp Of Louisiana
22.11
8.39
61.15%
ASRV
Ameriserv Financial
4.77
1.71
56.09%
OPHC
Optimumbank Holdings
8.84
4.90
124.37%
TCBS
Texas Community
17.26
1.41
8.90%
CLST
Catalyst Bancorp
16.91
3.59
26.91%
Home Federal Bancorp Of Louisiana Corporate Events
Business Operations and StrategyDividendsFinancial Disclosures
Home Federal Bancorp Declares Quarterly Cash Dividend
Positive
Oct 21, 2026
On October 21, 2026, Home Federal Bancorp, Inc. of Louisiana announced that its board of directors had declared a quarterly cash dividend of $0.15 per share on its common stock. The dividend, reflecting the company’s ongoing capital return t...
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.