Home Federal Bancorp, Inc. of Louisiana HFBL

24.80 (0.20) (0.80%) as of 25 Sep
Market cap
$76.1M
P/E
12.7×
Growth Flags show if company had growth for consecutive years

Insider Decisions

in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy — — — — — — — — — — — —
Sell — — — — — — — — — — — —
Insider Ownership 30.39%

Capital & Financial Ratios

Market Cap 76.06
Revenue 34.31
Net Income 5.93
Free Cash Flow 6.50
Net Debt (23.39)
Current Ratio 0.89
Debt/Equity 0.10
P/E ratio 12.65
P/S ratio 2.18
P/B ratio 1.29
Past 5Y EPS Growth (1.42%)
This Y EPS Growth —
Next Y EPS Growth —
Next 5Y EPS Growth —
in millions of $

Dividends

Payout Ratio 0.27
Annual Dividend Rate 0.50
Annual Dividend Yield 3.75%
total individual payouts
2025 0.13
0.13
2024 0.51
0.13
0.13
0.13
0.13
2023 0.49
0.12
0.12
0.13
0.13
2022 0.44
0.10
0.10
0.12
0.12
2021 0.37
0.08
0.08
0.10
0.10
2020 0.33
0.08
0.08
0.08
0.08
2019 0.30
0.07
0.07
0.08
0.08
2018 0.26
0.06
0.06
0.07
0.07
2017 0.21
0.05
0.05
0.06
0.06
2016 0.17
0.04
0.04
0.05
0.05
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2023 2024 2025 Q'26
Cash 25 35 17 29
Receivables — — — —
Inventory — — — —
Other — — — —
516 509 482 513
2023 2024 2025 Q'26
Payables 597 574 546 574
ST’ Debt — — — —
Other — — — —
601 577 550 578
in millions of $

Compound Annual Growth

10y 5y 3y
Sales 6.23% 6.02% 12.65%
Cash Flow 0.00% 93.83% (31.55%)
Earnings 1.49% 0.20% (7.25%)
Book Value 2.44% 1.78% 1.79%

Revenue

Sep Dec Mar Jun Year
’26 9 9 9 — —
’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
’20 6 6 6 6 24
in millions of $ · fiscal quarters ending in the months shown

Operating Cash Flow

Sep Dec Mar Jun Year
’26 3 3 (1) — —
’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
’20 (1) (1) 5 (3) 0
in millions of $ · fiscal quarters ending in the months shown

Free Cash Flow

Sep Dec Mar Jun Year
’26 4 3 (1) — —
’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
’20 (1) (1) 7 (3) 2
in millions of $ · fiscal quarters ending in the months shown

EPS

Sep Dec Mar Jun Year
’26 0.52 0.54 0.48 — —
’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
’20 0.34 0.16 0.27 0.31 1.07
fiscal quarters ending in the months shown

Target Price Range

Analyst price targets

Recommendation Rating

1Buy 2 3Hold 4 5Sell
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
10.60 11.55 12.82 14.73 10.00 14.50 16.49 12.04 10.60 12.31

Analyst estimates 2026–2028

Powerpack
Low Price
13.50 14.95 18.65 19.00 18.50 20.75 23.55 21.80 14.80 19.20
High Price
63 65 58 58 62 64 74 79 81 76
Employees
0 0 0 0 0 0 0 0 0 0
Revenue/Emp
19 21 21 22 24 26 23 29 33 32
Revenue
86.05% 86.51% 83.68% 79.61% 78.73% 87.14% 91.73% 82.32% 61.39% 63.68%
Gross Margin
5 5 6 6 5 7 6 7 4 5
EBT
26.83% 26.03% 27.18% 27.11% 19.83% 26.50% 26.42% 23.56% 12.17% 14.33%
EBT Margin
3 4 4 5 4 5 5 6 4 4
Net Income
0 0 1 0 1 (1) 0 1 0 1
Depreciation
4.98 5.72 5.95 6.29 7.21 7.95 6.99 9.51 10.99 10.63
Revenue/Sh
0.90 1.01 1.03 1.34 1.15 1.66 1.50 1.89 1.18 1.27
Earnings/Sh
1.88 0.93 3.64 1.36 0.06 2.58 5.25 4.01 0.76 1.79
Cash Flow/Sh
(0.70) (0.18) (0.14) (0.59) 0.45 (0.46) (0.54) (0.39) (0.73) 0.07
Capex/Sh
1.18 0.74 3.50 0.77 0.51 2.12 4.71 3.62 0.03 1.86
Free CF/Sh
11.56 12.72 13.07 14.24 15.02 16.32 16.11 16.73 17.35 18.08
Book Value/Sh
4 4 4 4 3 3 3 3 3 3
Shares
11.92 13.41 15.69 12.31 10.84 11.78 13.11 7.43 9.74 10.71
PE Ratio
2.15 2.36 2.61 2.62 1.72 2.45 2.81 1.48 1.05 1.28
PS Ratio
0.93 1.06 1.19 1.16 0.83 1.19 1.22 0.84 0.66 0.75
PB Ratio
4.47 4.14 2.43 1.89 (0.40) (1.48) 0.13 0.91 0.21 0.87
EV/Sales
18.86 31.80 4.13 15.42 (5.75) (5.56) 0.20 2.40 79.86 4.96
EV/FCF
7 3 13 5 0 8 17 12 2 5
Op' Cash Flow
(3) (1) (1) (2) 2 (1) (2) (1) (2) 0
Capex
4 3 13 3 2 7 15 11 0 6
FCF
19 9 (21) (38) (32) (53) (78) (85) (68) (68)
Working Cap'
48 49 12 2 3 3 3 9 7 4
Total Debt
43 37 (4) (16) (52) (101) (61) (16) (28) (13)
Net Debt
43 46 47 50 51 53 52 51 53 55
Sh' Equity
0.90% 0.90% 0.84% 1.10% 0.80% 0.99% 0.84% 0.91% 0.55% 0.62%
ROA
3.62% 4.06% 8.44% 11.06% 0.00% 0.00% 0.00% 12.33% 10.23% 6.95%
ROIC
7.78% 8.15% 7.65% 9.74% 7.63% 10.39% 9.28% 11.09% 6.95% 7.20%
ROE
predictions in italic, sparklines do not include predictions

All 10 years →

Fiscal years to Jun 2025 · latest quarter Mar 2026

Home Federal Bancorp, Inc. of Louisiana peers in Banks Regional

All 325 Banks Regional stocks →

Home Federal Bancorp, Inc. of Louisiana (HFBL) key facts

  • Home Federal Bancorp, Inc. of Louisiana (HFBL) is a Banks Regional company in the Financial sector, listed on Nasdaq.
  • Home Federal Bancorp, Inc. of Louisiana’s revenue for fiscal 2025 (year ended June 2025) was $32.5 million, down 2.93% from fiscal 2024.
  • Net income was $3.9 million, or $1.27 per share (basic), a net margin of 12.0%.
  • As of September 25, 2026, HFBL traded at $24.80, a market capitalization of $76.1 million.
  • At that price the stock trades at 12.7× trailing-twelve-month earnings and 2.2× sales.
  • Home Federal Bancorp, Inc. of Louisiana pays an annual dividend of $0.50 per share, a yield of 3.75%, with a payout ratio of 26.7%.
  • Return on equity was 7.20% and debt-to-equity 0.10.

Source: company filings (standardised) and stockrow calculations.

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

News by impact score

Fine-tune

30 Jul

4

Home Federal Bancorp of Louisiana posted record annual earnings for the year ended June 30, 2026, with results also reported for the three-month period. Record earnings directly lift valuation metrics and investor outlook for the bank.

30 Apr

3

Home Federal Bancorp, Inc. of Louisiana reported results of operations for the three and nine months ended March 31, 2026. Quarterly and nine-month earnings results influence financial performance and investor sentiment moderately.

28 Jan

3

Home Federal Bancorp, Inc. of Louisiana (HFBL) reported its financial results for the three and six months ending December 31, 2025. The company experienced changes in net income, asset quality, and overall financial performance compared to previous periods. Key metrics such as earnings per share and return on equity were highlighted, indicating the bank's operational efficiency and profitability. Management provided insights into strategic initiatives and market conditions affecting the bank's performance. Financial results indicate moderate changes in performance metrics that could influence investor sentiment and operational strategies.

10 Dec

4

Home Federal Bancorp, Inc. of Louisiana (NASDAQ:HFBL) has delivered a remarkable 42% return to its investors over the past year, reflecting strong performance and positive market sentiment towards the company. This significant gain highlights the effectiveness of its business strategies and operational management, positioning HFBL favorably in the financial sector. A 42% return indicates strong performance and could significantly influence investor sentiment and future market positioning.

23 Oct

3

Home Federal Bancorp, Inc. of Louisiana (HFBL) reported its operational results for the three months ending September 30, 2025. The financial results indicate changes in key performance metrics, reflecting the company's current standing and operational efficiency during this period. Investors and stakeholders are likely to analyze these results for insights into future performance and strategic direction. The reported operational results may moderately influence financial performance and market sentiment.

15 Oct

3

Home Federal Bancorp, Inc. of Louisiana has declared a quarterly cash dividend of $0.10 per share, payable on November 15, 2023, to shareholders of record as of November 1, 2023. Additionally, the company announced the approval of a stock repurchase program, allowing the repurchase of up to 5% of its outstanding shares, reflecting its commitment to enhancing shareholder value. The dividend declaration and stock repurchase program may positively influence investor sentiment and financial performance, but their overall impact is expected to be limited.

31 Jul

4

Home Federal Bancorp, Inc. of Louisiana reported increased net income and completed an acquisition, resulting in growth in assets, loans, and deposits. The acquisition and financial growth are expected to have a significant impact on the company's future performance and market positioning.

3

Home Federal Bancorp, Inc. of Louisiana reported a full-year earnings per share (EPS) of $1.27 for FY 2025, an increase from $1.18 in FY 2024. This growth indicates a positive trend in the company's financial performance over the year. The increase in EPS suggests a moderately noticeable influence on financial performance.

29 Jul

3

Home Federal Bancorp, Inc. of Louisiana reported its operational results for the three months and year ending June 30, 2025. The financial performance highlights include key metrics such as net income, earnings per share, and asset growth, reflecting the company's overall stability and growth trajectory during this period. The reported financial results indicate a moderately noticeable influence on the company's performance and market positioning.

23 Jul

4

Home Federal Bancorp, Inc. of Louisiana has announced an increase in its quarterly cash dividend for the 12th consecutive year, reflecting the company's strong financial performance and commitment to returning value to shareholders. The consistent increase in dividends indicates strong financial health and could significantly enhance investor sentiment and market performance.

1 May

3

Home Federal Bancorp, Inc. of Louisiana reported a net income of $748,000 for the three months ended March 31, 2025, a slight increase from $732,000 in the same period in 2024. For the nine months ended March 31, 2025, net income decreased to $2.7 million from $3.0 million year-over-year. The company's basic and diluted earnings per share remained at $0.24 for the three-month period but fell to $0.88 from $0.97 for the nine-month period. Key highlights include an increase in book value per share to $17.55 and a decrease in total assets by 2.8%. Non-performing assets rose to $3.0 million, up from $1.9 million at the end of June 2024. The financial performance shows mixed results, with slight improvements in quarterly income but a decline in year-to-date earnings, indicating moderate influence on future performance.

3

HFBL's third quarter 2024 earnings report shows a decrease in revenue, net income, profit margin, and EPS compared to the same period in 2023. The financial results indicate a moderately noticeable influence on HFBL's future performance, particularly in key areas like financial performance and competitive positioning.

24 Apr

3

Home Federal Bancorp, Inc. of Louisiana (NASDAQ:HFBL) will go ex-dividend in three days, with a dividend of US$0.13 per share payable on May 12. The company has a trailing yield of 3.9% based on a current share price of US$13.3516, having paid out a total of US$0.52 per share over the last year. The payout ratio is a modest 47% of earnings, suggesting the dividend is affordable despite a 3.9% decline in earnings over the past five years. Historically, the company has increased its dividend by approximately 14% annually over the last decade. While the dividend appears sustainable, earnings shrinkage raises concerns about future growth potential. Earnings have declined, but the low payout ratio indicates the dividend is currently sustainable.

30 Jan

3

Home Federal Bancorp, Inc. of Louisiana reported a net income of $1.02 million for the three months ended December 31, 2024, slightly up from $1.00 million in the same period of 2023. For the six months, net income decreased to $2.0 million from $2.2 million year-over-year. The company experienced a decrease in net interest income and an increase in non-interest income, while non-performing assets remained stable at 0.30% of total assets. Total assets decreased by 4.7% to $607.8 million, and total liabilities fell by 5.3% to $553.8 million. Shareholders’ equity increased by 2.1% to $53.9 million. The company continues to operate ten banking offices in northwest Louisiana. The decrease in net income and total assets indicates moderate financial challenges that could affect future performance.

22 Jan

3

Home Federal Bancorp, Inc. of Louisiana (HFBL) is approaching its ex-dividend date, prompting income investors to consider the stock. The company has a history of consistent dividend payments, which may attract those seeking income-generating investments. Investors are advised to evaluate the stock's performance and dividend yield before the ex-dividend date to make informed decisions. The upcoming ex-dividend date may influence investor sentiment and short-term stock performance.

3

HFBL stock is going ex-dividend soon, with a dividend payment of US$0.13 per share on February 12th. The article highlights the potential impact of dividend payments and earnings growth on HFBL's future.

1 Nov

3

Home Federal Bancorp, Inc. of Louisiana has announced the approval of a stock repurchase program. The approval of the stock repurchase program may moderately influence the company's financial performance and market sentiment.

29 Oct

3

Home Federal Bancorp, Inc. of Louisiana reported a decrease in net income for the three months ended September 30, 2024, compared to the same period in 2023, due to various factors affecting interest income and expenses. The article highlights moderate influences on financial performance and interest income, but the overall impact is somewhat limited by other factors.

20 Oct

3

Home Federal Bancorp, Inc. of Louisiana (NASDAQ:HFBL) will pay a dividend of $0.13 on November 11, with a dividend yield of 4.1%. The company has a history of consistent dividend payments, but its earnings per share have been declining. The article suggests that while Home Federal Bancorp of Louisiana has a solid track record of dividend payments, its declining earnings could impact future dividend sustainability.

28 Jul

3

Home Federal Bancorp, Inc. of Louisiana (NASDAQ:HFBL) will pay a dividend of $0.13 per share on August 19, with a dividend yield of 4.2%. The company has a stable dividend history but declining earnings. The article suggests that while the dividend payment is sustainable for now, declining earnings could put pressure on future dividends.

26 Jul

3

Home Federal Bancorp, Inc. of Louisiana reported a decrease in net income for the three months and year ended June 30, 2024, compared to the same periods in 2023. The decrease was mainly due to a decrease in net interest income and an increase in total interest expense. The decrease in net income and net interest income could moderately impact the company's financial performance and competitive positioning.

24 Jul

4

Home Federal Bancorp, Inc. of Louisiana increases quarterly cash dividend for 11th consecutive year. The increase in dividend payout reflects a strong commitment to creating value for shareholders and confidence in the company's financial strength.

26 Apr

3

Home Federal Bancorp, Inc. of Louisiana reported a decrease in net income for the three and nine months ended March 31, 2024, compared to the same periods in 2023. The financial performance of the company is expected to be moderately influenced by the reported decrease in net income and other key financial metrics.

7 Mar

4

Home Federal Bancorp, Inc. of Louisiana receives regulatory approval for dividend from Home Federal Bank and approves stock repurchase program. The approval of dividend payment and stock repurchase program are significant strategic moves that could alter the company's trajectory and investor sentiment.

27 Jan

3

HFBL reported lower revenue and net income in 2Q 2024, with EPS decreasing to US$0.33 from US$0.57 in 2Q 2023. The financial results show a moderately noticeable influence on HFBL's future performance.

26 Jan

4

HFBL announced a dividend of $0.13 per share, with a history of consistent dividend payments and strong growth rates. The article highlights HFBL's solid financial health, profitability, and growth metrics, indicating a significant impact on future performance.

25 Jan

3

Home Federal Bancorp, Inc. of Louisiana reported a decrease in net income for the three and six months ended December 31, 2023, compared to the same periods in 2022. The financial performance of the company is expected to be moderately influenced by the reported decrease in net income.

23 Jan

4

HFBL to pay out a dividend of $0.125 per share on 12th of February, with a sustainable payout ratio of 28% and potential EPS growth of 10.5%. The article highlights strong dividend history, consistent growth in EPS, and sustainable payout ratio, indicating significant impact on future performance.

30 Oct

3

HFBL reports Q3 2023 results. The financial performance of HFBL for the quarter may moderately influence its competitive positioning and market sentiment.

stockrow.com/HFBL · Data as of Mar 31, 2026 · For information only; not investment advice. · © 2026 stockrow.com