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Home Federal Bancorp, Inc. of Louisiana

HFBL Financial Banks Regional

Home Federal Bancorp, Inc. of Louisiana’s revenue for fiscal 2026 (year ended June 2026) was $35.2 million, up 8.33% from fiscal 2025.

Revenue
+10.3%
EPS
+23.1%
Free cash flow
+210.5%
Total debt
−11.1%

Quarter to June 2026, against a year earlier

22.65 0.05 +0.22%
Market cap
$67.1M
P/E
10.9×
Fwd P/E
—
Dividend yield
0.00%
F-score
9/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — — — — —
Sell — — — — — — — — — — — —
Insider Ownership 36.94%

Capital & Financial Ratios $m

Size
Market Cap 67.06
Revenue ttm 35.17
Net income ttm 6.17
Free cash flow ttm 8.70
Net debt Q (30.75)
Valuation
P/E 10.91
Forward P/E —
Price / sales 1.92
Forward P/S Powerpack
Price / FCF 7.75
Price / book 1.15
Financial health
Current ratio Q 0.88
Debt / equity Q 0.06
Interest coverage Q —
Growth
Revenue growth Q +10.29% (above 0%: growing)
Operating income growth Q +20.09% (above 0%: growing)
EPS, this year —
EPS, next year A —
Revenue, next year A —
EPS, past 5 yrs +5.17%
EPS, next 5 yrs A —

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 33.57%
10-year low 10-year high
P/S against its own 10 years 38.70%
10-year low 10-year high
P/B against its own 10 years 68.82%
10-year low 10-year high

Dividends

Yield
0.00%
Annual rate
0.00
Payout ratio
0.00%
Growth, 2017–25
−5.82%/yr
  1. 0.21 ’17
  2. 0.26 ’18 +24
  3. 0.30 ’19 +15
  4. 0.33 ’20 +8
  5. 0.37 ’21 +12
  6. 0.44 ’22 +21
  7. 0.49 ’23 +11
  8. 0.51 ’24 +4
  9. 0.13 ’25 −75
paid change on the year, %

Assets vs Liabilities $m

2023 2024 2025 2026
Cash 25 35 17 34
Receivables — — — —
Inventory — — — —
Other — — — —
516 509 482 513
2023 2024 2025 2026
Payables 597 574 546 577
ST’ Debt — — — —
Other — — — —
601 577 550 581

Compound Annual Growth %

10y 5y 3y
Sales 6.51% 6.48% 6.97%
Cash Flow 0.78% (1.77%) (14.30%)
Earnings 6.22% 2.85% 2.67%
Book Value 3.08% 2.19% 5.15%

EPS $

Sep Dec Mar Jun Year
’26 — — — — —
’26 0.52 0.54 0.48 0.46 2.02
’25 0.31 0.33 0.24 0.38 1.26
’24 0.39 0.33 0.24 0.21 1.18
’23 0.52 0.55 0.34 0.40 1.80
’22 0.38 0.34 0.37 0.31 1.41
’21 0.37 0.42 0.41 0.37 1.57
Fiscal quarters ending in the months shown.

Revenue $m

Sep Dec Mar Jun Year
’26 — — — — —
’26 9 9 9 9 35
’25 8 8 8 8 32
’24 9 8 8 8 33
’23 6 7 8 8 29
’22 6 6 6 6 23
’21 7 7 6 6 26
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Sep Dec Mar Jun Year
’26 — — — — —
’26 3 3 (1) 3 8
’25 1 3 1 1 5
’24 2 (3) 1 2 2
’23 4 1 4 3 12
’22 6 1 9 1 17
’21 (11) 1 8 10 8
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Sep Dec Mar Jun Year
’26 — — — — —
’26 4 3 (1) 3 9
’25 1 3 1 1 6
’24 2 (3) 0 1 0
’23 4 1 3 3 11
’22 5 1 9 1 15
’21 (12) 0 8 10 7
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to June

Ten-year view Analyst estimates Powerpack
Group Line 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 Trend 10 yrs 2027e 2028e 2029e Next 3/yr
Income, $m
Income, $m Revenue 21 21 22 24 26 23 29 33 32 35 +6.0% — — — —
Gross margin, % 86.51 83.68 79.61 78.73 87.14 91.73 82.32 61.39 63.68 69.55 (17.0) pt
EBT 5 6 6 5 7 6 7 4 5 8 +4.1%
EBT margin, % 26.03 27.18 27.11 19.83 26.50 26.42 23.56 12.17 14.33 22.14 (3.9) pt
Net income 4 4 5 4 5 5 6 4 4 6 +6.0%
Per share, $
Per share, $ Revenue 5.72 5.95 6.29 7.21 7.95 6.99 9.51 10.99 10.63 11.67 +8.2%
Earnings 1.01 1.03 1.34 1.15 1.66 1.50 1.89 1.18 1.27 2.05 +8.2%
Cash flow 0.93 3.64 1.36 0.06 2.58 5.25 4.01 0.76 1.79 2.53 +11.8%
Capex (0.18) (0.14) (0.59) 0.45 (0.46) (0.54) (0.39) (0.73) 0.07 0.36 n/m
Free cash flow 0.74 3.50 0.77 0.51 2.12 4.71 3.62 0.03 1.86 2.89 +16.3%
Book value 12.72 13.07 14.24 15.02 16.32 16.11 16.73 17.35 18.08 19.50 +4.9%
Shares, m 4 4 4 3 3 3 3 3 3 3 (2.1%)
Valuation, ×
Valuation, × P/E 13.41 15.69 12.31 10.84 11.78 13.11 7.43 9.74 10.71 10.24 11.5
P/S 2.36 2.61 2.62 1.72 2.45 2.81 1.48 1.05 1.28 1.80 2.0
P/B 1.06 1.19 1.16 0.83 1.19 1.22 0.84 0.66 0.75 1.08 1.0
EV/Sales 4.14 2.43 1.89 (0.40) (1.48) 0.13 0.91 0.21 0.87 0.92 1.0
EV/FCF 31.80 4.13 15.42 (5.75) (5.56) 0.20 2.40 79.86 4.96 3.74 13.1
Cash, $m
Cash, $m Operating cash flow 3 13 5 0 8 17 12 2 5 8 +9.5%
Capex (1) (1) (2) 2 (1) (2) (1) (2) 0 1 n/m
Free cash flow 3 13 3 2 7 15 11 0 6 9 +13.9%
Balance, $m
Balance, $m Working capital 9 (21) (38) (32) (53) (78) (85) (68) (68) (67) n/m
Net debt 37 (4) (16) (52) (101) (61) (16) (28) (13) (31) n/m
Shareholders’ equity 46 47 50 51 53 52 51 53 55 59 +2.7%
Returns, %
Returns, % ROA 0.90 0.84 1.10 0.80 0.99 0.84 0.91 0.55 0.62 0.99 +0.1 pt
ROIC 4.06 8.44 11.06 0.00 0.00 0.00 12.33 10.23 6.95 17.37 +13.3 pt
ROE 8.15 7.65 9.74 7.63 10.39 9.28 11.09 6.95 7.20 10.84 +2.7 pt
People
People Employees 65 58 58 62 64 74 79 81 76 76 +1.8%
Revenue/emp, $m 0.32 0.37 0.38 0.39 0.40 0.31 0.36 0.41 0.43 0.46 +4.2%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Jun 2026 · latest quarter Jun 2026 · fundamentals updated 30 Sep 2026

Home Federal Bancorp, Inc. of Louisiana vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
AUBN Auburn National Bancorporation, Inc. $92.1M 10.7× — +5.12% (above 0%: growing) +26.92% (above 0%: growing) −25.23% (below 0%: shrinking) 76.51% 0.00% Compare
CPBI Central Plains Bancshares, Inc. $86.8M 17.5× 5.0× +15.12% (above 0%: growing) +50.00% (above 0%: growing) +73.89% (above 0%: growing) 70.52% 0.00% Compare
FUSB FIRST US BANCSH $84.5M 11.9× — −0.42% (below 0%: shrinking) +9.09% (above 0%: growing) −0.33% (below 0%: shrinking) 67.30% 0.00% Compare
UBCP United Bancorp, Inc. $83.3M 10.4× 10.5× +2.96% (above 0%: growing) +9.09% (above 0%: growing) −109.56% (below 0%: shrinking) 70.95% 0.00% Compare
ASRV AmeriServ Financial Inc. $82.9M 9.6× — (loss-making) +4.04% (above 0%: growing) n/m −756.91% (below 0%: shrinking) 70.16% 0.00% Compare
SSBI Summit State Bank $77.1M 33.6× — −3.24% (below 0%: shrinking) n/m −207.35% (below 0%: shrinking) 100.00% 0.00% Compare
CLST Catalyst Bancorp, Inc. $72.4M 31.4× — +3.68% (above 0%: growing) +7.14% (above 0%: growing) −14.23% (below 0%: shrinking) 74.83% 0.00% Compare
HFBL Home Federal Bancorp, Inc. of Louisiana $67.1M 10.9× — +10.29% (above 0%: growing) +23.08% (above 0%: growing) +210.53% (above 0%: growing) 70.94% 0.00%
CULL Cullman Bancorp, Inc. $65.2M 32.5× 19.5× +8.86% (above 0%: growing) −26.67% (below 0%: shrinking) −90.89% (below 0%: shrinking) 71.49% 0.00% Compare
Median of peers $83.1M 14.7× 10.5× +3.86% +9.09% −58.06% 71.22% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 9 October 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2026 797.36k 819.96k 159.66
2025 659.91k 692.21k 123.50
2024 639.27k 589.73k 84.88

Ownership

Directors and executive officers, together 19.00%
Home Federal Bank Employee Stock Ownership Plan c/o Home Federal Bank 13.80%
Home Federal Bank Employee Savings & Profit Sharing Plan and Trust c/o Home Federal Bank 7.20%
James R. Barlow 7.20%
Daniel R. Herndon and Lola W. Herndon 6.50%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

Home Federal Bancorp, Inc. of Louisiana (HFBL) Latest News

27 Oct

Impact 3 · · GlobeNewswire

30 Jul

Impact 4 ·

30 Apr

Impact 3 · · GlobeNewswire

28 Jan

Impact 3 · · GlobeNewswire

10 Dec

Impact 4 · · Simply Wall St.

23 Oct

Impact 3 · · GlobeNewswire

15 Oct

Impact 3 · · GlobeNewswire

31 Jul

Impact 4 · · GlobeNewswire
Impact 3 · · Simply Wall St.

29 Jul

Impact 3 · · GlobeNewswire

23 Jul

Impact 4 ·

1 May

Impact 3 ·
Impact 3 · · Simply Wall St.

24 Apr

Impact 3 ·

30 Jan

Impact 3 · · GlobeNewswire

22 Jan

Impact 3 ·
Impact 3 · · Simply Wall St.

1 Nov

Impact 3 ·

29 Oct

Impact 3 · · GlobeNewswire

20 Oct

Impact 3 · · Simply Wall St.

28 Jul

Impact 3 · · Simply Wall St.

26 Jul

Impact 3 · · GlobeNewswire

24 Jul

Impact 4 · · GlobeNewswire

26 Apr

Impact 3 · · GlobeNewswire

7 Mar

Impact 4 · · GlobeNewswire

27 Jan

Impact 3 · · Simply Wall St.

26 Jan

Impact 4 · · GuruFocus.com

25 Jan

Impact 3 · · GlobeNewswire

23 Jan

Impact 4 · · Simply Wall St.

30 Oct

Impact 3 · · GlobeNewswire
stockrow.com/HFBL · Data as of Sep 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com