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Home Federal Bancorp Of Louisiana
(NASDAQ:HFBL)
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Rating:72Outperform
Price Target:
$28.00
▲(8.02% Upside)
Action:Reiterated
Date:09/26/26
The score is driven primarily by solid and improving financial performance (stronger 2026 profitability, conservative leverage, and better cash generation). Valuation and the dividend profile are supportive, while technicals are more neutral with near-term softness despite longer-term trend support. Recent corporate events modestly reinforce the income/steadiness narrative via the dividend increase.
Positive Factors
Conservative leverage and rising equity
Very low leverage and steadily growing equity provide Home Federal with a durable capital cushion. This strengthens resilience across credit and rate cycles, supports continued lending capacity, and gives management greater flexibility to retain earnings or return capital.
Negative Factors
Uneven revenue growth
The uneven revenue trajectory makes future earnings growth less predictable than the latest rebound alone suggests. Volatile top-line performance can complicate planning, constrain operating leverage, and leave results more sensitive to changes in loan demand and banking conditions.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative leverage and rising equity
Very low leverage and steadily growing equity provide Home Federal with a durable capital cushion. This strengthens resilience across credit and rate cycles, supports continued lending capacity, and gives management greater flexibility to retain earnings or return capital.
Read all positive factors
Home Federal Bancorp Of Louisiana (HFBL) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$75.76M
Dividend Yield2.24%
Average Volume (3M)1.06K
Price to Earnings (P/E)12.1
Beta (1Y)0.18
Revenue Growth7.71%
EPS Growth60.72%
CountryUS
Employees72
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)2.04
Shares Outstanding3,030,594
10 Day Avg. Volume1,428
30 Day Avg. Volume1,056
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
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 | 7.79M | 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 | 3.56M | 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
Neutral
25.92
Price Trends
24.44
Positive
22.38
Positive
20.11
Positive
Market Momentum
0.10
Positive
49.18
Neutral
36.79
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 25.92 is above the 20-day moving average (MA) of 25.13, above the 50-day MA of 24.44, and above the 200-day MA of 20.11, indicating a neutral trend. The MACD of 0.10 indicates Positive momentum. The RSI at 49.18 is Neutral, neither overbought nor oversold. The STOCH value of 36.79 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.
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 | $112.59M | 5.04 | 16.39% | ― | 24.01% | 20.16% | |
72 Outperform | $75.76M | 12.14 | 10.69% | 2.24% | 7.71% | 60.72% | |
68 Neutral | $72.10M | 30.91 | 2.47% | ― | 0.82% | -2.26% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $80.14M | 9.09 | 7.13% | 2.60% | 4.91% | 127.20% | |
65 Neutral | $49.84M | 14.41 | 6.14% | 1.45% | 5.94% | 51.02% |
* Financial Sector Average
HFBL
Home Federal Bancorp Of Louisiana
25.39
12.00
89.71%
ASRV
Ameriserv Financial
4.45
1.67
60.30%
OPHC
Optimumbank Holdings
8.69
4.63
114.04%
TCBS
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17.06
1.10
6.90%
CLST
Catalyst Bancorp
17.25
3.95
29.70%
Home Federal Bancorp Of Louisiana Corporate Events
Business Operations and StrategyDividendsFinancial Disclosures
Home Federal Bancorp Announces Further Quarterly Dividend Increase
Positive
Jul 17, 2026
On July 16, 2026, Home Federal Bancorp, Inc. of Louisiana announced that its Board of Directors declared a quarterly cash dividend of $0.15 per share on the company’s common stock, payable on August 10, 2026, to shareholders of record as of ...
Business Operations and StrategyExecutive/Board Changes
Home Federal Bancorp Updates CEO Supplemental Retirement Agreement
Positive
Jul 2, 2026
On July 1, 2026, Home Federal Bank, the wholly owned subsidiary of Home Federal Bancorp, Inc. of Louisiana, amended and restated the Supplemental Executive Retirement Agreement for Chairman, President and Chief Executive Officer James R. Barlow. 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.