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Home Federal Bancorp Inc. Of Louisiana (HFBL)
NASDAQ:HFBL
US Market

Home Federal Bancorp Of Louisiana (HFBL) AI Stock Analysis

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Home Federal Bancorp Of Louisiana

(NASDAQ:HFBL)

76Outperform
Home Federal Bancorp Of Louisiana exhibits a strong financial foundation with no debt and good profitability. While revenue growth has declined, effective cost management and improving cash flow are positives. The stock's valuation is appealing, with a low P/E ratio and a healthy dividend yield. Technical indicators suggest positive momentum without significant overbought risks. The company's recent dividend declaration further enhances its attractiveness to investors.

Home Federal Bancorp Of Louisiana (HFBL) vs. S&P 500 (SPY)

Home Federal Bancorp Of Louisiana Business Overview & Revenue Model

Company DescriptionHome 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 MoneyHome Federal Bancorp of Louisiana makes money primarily through the interest income earned on its loan portfolio, which includes personal, commercial, and mortgage loans. Additionally, the institution generates revenue from service charges and fees related to its banking services, such as checking and savings account maintenance fees, overdraft fees, and transaction fees. The company may also earn income from investments in securities and other financial instruments. Partnerships with other financial entities and its role in facilitating loans and other financial products could contribute to its earnings, although specific partnerships are not detailed.

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
75
Positive
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
82
Very Positive
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
68
Positive
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
Jun 2024Jun 2023Jun 2022Jun 2021Jun 2020
Income StatementTotal Revenue
20.38M23.45M20.61M22.03M18.76M
Gross Profit
20.38M23.45M20.61M22.03M18.76M
EBIT
4.07M6.77M7.88M6.81M4.81M
EBITDA
0.007.64M6.76M7.47M5.46M
Net Income Common Stockholders
3.59M5.70M4.87M5.37M3.85M
Balance SheetCash, Cash Equivalents and Short-Term Investments
42.28M64.32M70.35M133.96M96.93M
Total Assets
637.51M660.91M590.48M565.73M518.22M
Total Debt
7.00M8.55M3.18M3.27M3.36M
Net Debt
-8.25M-16.21M-60.90M-101.14M-51.51M
Total Liabilities
584.71M8.55M538.13M513.01M467.69M
Stockholders Equity
52.80M50.54M52.35M52.73M50.53M
Cash FlowFree Cash Flow
-368.00K10.92M14.48M5.98M-770.00K
Operating Cash Flow
2.32M12.11M17.06M8.33M200.00K
Investing Cash Flow
34.48M-115.31M-78.79M-1.42M-32.51M
Financing Cash Flow
-26.62M63.90M21.41M42.62M69.07M

Home Federal Bancorp Of Louisiana Technical Analysis

Technical Analysis Sentiment
Neutral
Last Price13.15
Price Trends
50DMA
12.92
Positive
100DMA
12.82
Positive
200DMA
12.51
Positive
Market Momentum
MACD
0.06
Positive
RSI
47.49
Neutral
STOCH
21.25
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HFBL, the sentiment is Neutral. The current price of 13.15 is below the 20-day moving average (MA) of 13.22, above the 50-day MA of 12.92, and above the 200-day MA of 12.51, indicating a neutral trend. The MACD of 0.06 indicates Positive momentum. The RSI at 47.49 is Neutral, neither overbought nor oversold. The STOCH value of 21.25 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for HFBL.

Home Federal Bancorp Of Louisiana Peers Comparison

Overall Rating
UnderperformOutperform
Sector (64)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
77
Outperform
$51.70M3.3115.16%63.78%59.54%
76
Outperform
$41.20M12.146.25%3.95%1.27%-27.46%
64
Neutral
$12.65B9.748.04%17044.64%12.65%-5.11%
57
Neutral
$48.36M20.782.70%152.27%
55
Neutral
$40.31M11.153.36%4.94%7.80%
48
Neutral
$46.55M-2.47%1.06%19.56%-90.02%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
HFBL
Home Federal Bancorp Of Louisiana
13.00
1.88
16.91%
ASRV
Ameriserv Financial
2.44
0.13
5.63%
OPHC
Optimumbank Holdings
4.40
0.14
3.29%
TCBS
Texas Community
15.28
1.42
10.25%
PBBK
PB Bankshares
15.89
3.59
29.19%
CLST
Catalyst Bancorp
11.60
-0.10
-0.85%

Home Federal Bancorp Of Louisiana Corporate Events

Dividends
Home Federal Bancorp Declares Quarterly Cash Dividend
Positive
Apr 16, 2025

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.

Spark’s Take on HFBL Stock

According to Spark, TipRanks’ AI Analyst, HFBL is a Outperform.

Home Federal Bancorp Of Louisiana’s stock score reflects a strong financial foundation with no debt and good profitability. Although revenue growth has declined, strong cost management and improving cash flow are positives. The stock’s valuation is attractive with a low P/E ratio and a decent dividend yield. Technical indicators show positive momentum without significant overbought risks. Overall, the stock is positioned well, though revenue trends should be monitored.

To see Spark’s full report on HFBL stock, click here.

Glossary
OutperformA stock rated as "Outperform" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock is likely to deliver higher returns compared to the average returns of other stocks in the same sector or market index. Investors might consider this stock a good buying opportunity.
NeutralA stock rated as "Neutral" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly attractive nor unattractive for investment. Investors may consider holding onto the stock, as it is not expected to either significantly outperform or underperform the market.
UnderperformA stock rated as "Underperform" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock may deliver lower returns compared to the average returns of other stocks in the same sector or market index. Investors might consider selling the stock or avoiding it as an investment.

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.