Home Federal Bancorp Of Louisiana (HFBL) AI Stock Analysis

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Home Federal Bancorp Of Louisiana

(NASDAQ:HFBL)

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Rating:59Neutral

Price Target:$23.50▼(-1.88% Downside)

Action:reiterated

Date:11/13/26

The overall score of 59 reflects a company with a strong balance sheet and attractive valuation, offset by weak technical momentum and compressed profitability margins. The most significant positive factors are the low P/E ratio, solid dividend yield, and conservative leverage. The primary risks are the bearish technical trend and the long-term decline in net and gross margins, which prevent a higher score despite the company's financial stability.

Positive Factors

Strong ProfitabilityHealthy net and operating margins show that HFBL is converting revenue into earnings effectively, while the large TTM revenue increase indicates stronger recent business activity. If profitability remains near these levels, the bank should retain capacity to support growth and absorb ordinary operating pressures.

Negative Factors

Uneven Revenue and MarginsThe uneven annual revenue pattern and prior margin compression indicate that recent improvement has not yet established a consistently stable earnings trajectory. Variability in operating performance can make future profitability less predictable and may limit confidence in sustaining peak margins.

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

Market Cap: $72.58M
Dividend Yield: 2.38%
Average Volume (3M): 2,890
Price to Earnings (P/E): 11.2
Beta (1Y): 0.16
Revenue Growth: 7.94%
EPS Growth: 43.98%
Country: US
Employees: 74
Sector: Financial
Sector Strength: 68
Industry: Banks - Regional

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, businesses,...

Home Federal Bancorp Of Louisiana Financial Statement Overview

Summary

Financial performance is mixed. The balance sheet is a key strength with low leverage and improving ROE. Cash flow quality is high, but profitability margins have compressed from historical peaks, and cash flow has been volatile. The recent TTM recovery in revenue and net margin is a positive signal, but long-term margin decline tempers the score.

Income Statement

45Neutral

Balance Sheet

75Positive

Cash Flow

60Neutral

Financial statement breakdown
Breakdown	TTM	Jun 2026	Jun 2025	Jun 2024	Jun 2023	Jun 2022
Income Statement
Total Revenue	34.84M	34.97M	32.33M	33.29M	28.53M	22.49M
Gross Profit	23.53M	23.67M	20.67M	20.38M	22.58M	20.28M
EBITDA	8.58M	8.91M	6.02M	5.35M	7.64M	6.76M
Net Income	6.49M	6.17M	3.89M	3.59M	5.70M	4.87M
Balance Sheet
Total Assets	655.56M	643.33M	609.49M	637.51M	660.91M	590.48M
Cash, Cash Equivalents and Short-Term Investments	83.06M	77.93M	50.44M	42.28M	59.34M	70.35M
Total Debt	17.56M	3.56M	4.00M	7.00M	8.55M	3.18M
Total Liabilities	596.81M	584.57M	554.29M	584.71M	610.37M	538.13M
Stockholders Equity	58.76M	58.76M	55.20M	52.80M	50.54M	52.35M
Cash Flow
Free Cash Flow	8.15M	7.62M	5.43M	-368.00K	10.92M	14.48M
Operating Cash Flow	8.17M	7.62M	5.47M	2.32M	12.11M	17.06M
Investing Cash Flow	-25.02M	-18.03M	10.21M	34.48M	-115.31M	-78.79M
Financing Cash Flow	25.91M	27.37M	-33.29M	-26.62M	63.90M	21.41M

Home Federal Bancorp Of Louisiana Technical Analysis

Technical Analysis SentimentPositive

Last Price23.95

Price Trends

50DMA24.00Negative

100DMA23.54Positive

200DMA21.02Positive

Market Momentum

MACD-0.14Negative

RSI53.07Neutral

STOCH47.34Neutral

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 23.95 is above the 20-day moving average (MA) of 22.76, below the 50-day MA of 24.00, and above the 200-day MA of 21.02, indicating a neutral trend. The MACD of -0.14 indicates Negative momentum. The RSI at 53.07 is Neutral, neither overbought nor oversold. The STOCH value of 47.34 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 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.

Legal & Regulatory - Litigation, compliance, new legislation, and taxation risks

Latest Risks Added

0 New Risks

Home Federal Bancorp Of Louisiana Peers Comparison

Overall Rating

UnderperformOutperform

Sector (68)

Financial Indicators

HFBL against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
OPHC	85Outperform	$113.10M	5.44	17.53%	―	24.01%	20.16%
ASRV	77Outperform	$80.36M	9.12	7.48%	2.45%	2.43%	75.47%
CLST	68Neutral	$71.09M	24.30	3.06%	―	31.73%	17.80%
Sector *	68Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
TCBS	63Neutral	$49.89M	15.15	5.83%	1.43%	2.23%	33.79%
HFBL	59Neutral	$67.77M	11.19	11.12%	2.38%	7.94%	43.98%

* Financial Sector Average

Performance Comparison

HFBL and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
HFBL	Home Federal Bancorp Inc. Of Louisiana	23.95	8.75	57.56%
ASRV	AmeriServ Financial, Inc.	4.90	1.96	66.55%
OPHC	Optimumbank	9.03	4.89	118.12%
TCBS	Texas Community Bancshares, Inc.	17.43	1.87	12.03%
CLST	Catalyst Bancorp, Inc.	17.38	2.60	17.56%

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 to shareho...

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.

Date of analysis: Nov 13, 2026

Home Federal Bancorp Of Louisiana AI Stock Analysis