Home Federal Bancorp Of Louisiana (HFBL) AI Stock Analysis

Home Federal Bancorp Of Louisiana

(NASDAQ:HFBL)

Select Model

Rating:64Neutral

Price Target:$27.00▲(18.16% Upside)

Action:reiterated

Date:10/22/26

The overall score of 64 reflects a conservatively managed regional bank with a very strong balance sheet and attractive valuation, which are the primary strengths. The low P/E and consistent dividend are positive for investors. However, these are offset by weak technical momentum and a concerning long-term decline in gross margins, which pressures the core business. The recent dividend declaration confirms financial stability but does not outweigh the fundamental margin concerns.

Positive Factors

Improving profitabilityThe 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 growthThe 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.

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

Market Cap: $69.25M
Dividend Yield: 2.49%
Average Volume (3M): 3,200
Price to Earnings (P/E): 10.7
Beta (1Y): 0.19
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,...

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 securities)...

Home Federal Bancorp Of Louisiana Financial Statement Overview

Summary

Financial performance is mixed but improving. The balance sheet is a key strength with very low leverage (debt-to-equity of 0.06) and improving ROE. Cash flow has rebounded strongly, and net income is recovering. However, a multi-year decline in gross margins signals pressure on core profitability, tempering the overall score.

Income Statement

55Neutral

Balance Sheet

78Positive

Cash Flow

65Positive

Financial statement breakdown
Breakdown	TTM	Jun 2026	Jun 2025	Jun 2024	Jun 2023	Jun 2022
Income Statement
Total Revenue	34.01M	34.97M	32.33M	33.29M	28.53M	22.49M
Gross Profit	22.97M	23.67M	20.67M	20.38M	22.58M	20.28M
EBITDA	8.53M	8.91M	6.02M	5.35M	7.64M	6.76M
Net Income	6.17M	6.17M	3.89M	3.59M	5.70M	4.87M
Balance Sheet
Total Assets	643.33M	643.33M	609.49M	637.51M	660.91M	590.48M
Cash, Cash Equivalents and Short-Term Investments	77.93M	77.93M	50.44M	42.28M	59.34M	70.35M
Total Debt	3.56M	3.56M	4.00M	7.00M	8.55M	3.18M
Total Liabilities	584.57M	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	7.59M	7.62M	5.43M	-368.00K	10.92M	14.48M
Operating Cash Flow	7.62M	7.62M	5.47M	2.32M	12.11M	17.06M
Investing Cash Flow	-18.03M	-18.03M	10.21M	34.48M	-115.31M	-78.79M
Financing Cash Flow	25.37M	27.37M	-33.29M	-26.62M	63.90M	21.41M

Home Federal Bancorp Of Louisiana Technical Analysis

Technical Analysis SentimentNeutral

Last Price22.85

Price Trends

50DMA24.60Negative

100DMA23.34Negative

200DMA20.89Positive

Market Momentum

MACD-0.76Positive

RSI46.39Neutral

STOCH44.43Neutral

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 22.85 is below the 20-day moving average (MA) of 23.63, below the 50-day MA of 24.60, and above the 200-day MA of 20.89, indicating a neutral trend. The MACD of -0.76 indicates Positive momentum. The RSI at 46.39 is Neutral, neither overbought nor oversold. The STOCH value of 44.43 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 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

1 New Risk

1.Not applicable.Q4, 2025

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	83Outperform	$115.50M	5.29	16.39%	―	24.01%	20.16%
ASRV	70Outperform	$83.42M	9.14	7.48%	2.44%	2.43%	75.47%
CLST	68Neutral	$69.99M	24.10	3.06%	―	31.73%	17.80%
Sector *	68Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
TCBS	65Neutral	$49.87M	14.34	6.14%	1.44%	5.94%	51.02%
HFBL	64Neutral	$69.25M	10.68	11.12%	2.49%	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	22.85	6.90	43.23%
ASRV	AmeriServ Financial, Inc.	4.91	1.88	62.15%
OPHC	Optimumbank	9.15	5.05	123.17%
TCBS	Texas Community Bancshares, Inc.	17.36	1.70	10.83%
CLST	Catalyst Bancorp, Inc.	17.35	3.10	21.75%

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 s...

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: Oct 22, 2026

Home Federal Bancorp Of Louisiana AI Stock Analysis