Saturday 17 October 2026 Export HFBL’s income statement to Excel — free account

Home Federal Bancorp, Inc. of Louisiana

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. In the quarter to June 2026, revenue grew 10.3%, EPS grew 23.1%, free cash flow grew 210.5% and total debt fell 11.1%, each against the same quarter a year earlier. Dividend growth for ten consecutive years.

24.11 0.01 −0.04%

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Market cap: $73.1M
P/E: 11.8×
Fwd P/E: —
Dividend yield: 0.00%
F-score: 9/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	—	—	—	—	—	—	—	—	—	—
Sell	—	—	—	—	—	—	—	—	—	—	—	—

Insider Ownership 30.97%

Capital & Financial Ratios $m

Market Cap 73.10

Revenue 35.17

Net Income 6.17

Free Cash Flow 8.70

Net Debt (30.75)

Current Ratio 0.88

Debt/Equity 0.06

P/E ratio 11.76

Fwd P/E —

P/S ratio 2.07

P/B ratio 1.24

Past 5Y EPS Growth 5.17%

This Y EPS Growth —

Next Y EPS Growth —

Next Y revenue growth —

Next 5Y EPS Growth —

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 47.40%

10-year low 10-year high

P/S against its own 10 years 42.43%

10-year low 10-year high

P/B against its own 10 years 89.72%

10-year low 10-year high

Dividends

Payout Ratio 0.00

Annual Dividend Rate 0.00

Annual Dividend Yield 0.00%

	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

special payouts not included in total or ratios

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%

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.

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.

Group	Line	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026	2027e
Price, $
Price, $	Low	11.55	12.82	14.73	10.00	14.50	16.49	12.04	10.60	12.31	15.74	Analyst estimates 2027–2029 Powerpack
	High	14.95	18.65	19.00	18.50	20.75	23.55	21.80	14.80	19.20	28.00
People
People	Employees	65	58	58	62	64	74	79	81	76	76
	Revenue/emp, $m	0.32	0.37	0.38	0.39	0.40	0.31	0.36	0.41	0.43	0.46
Income, $m
Income, $m	Revenue	21	21	22	24	26	23	29	33	32	35
	Gross margin, %	86.51	83.68	79.61	78.73	87.14	91.73	82.32	61.39	63.68	69.55
	EBT	5	6	6	5	7	6	7	4	5	8
	EBT margin, %	26.03	27.18	27.11	19.83	26.50	26.42	23.56	12.17	14.33	22.14
	Net income	4	4	5	4	5	5	6	4	4	6
	Depreciation	0	1	0	1	(1)	0	1	0	1	1
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
	Earnings	1.01	1.03	1.34	1.15	1.66	1.50	1.89	1.18	1.27	2.05
	Cash flow	0.93	3.64	1.36	0.06	2.58	5.25	4.01	0.76	1.79	2.53
	Capex	(0.18)	(0.14)	(0.59)	0.45	(0.46)	(0.54)	(0.39)	(0.73)	0.07	0.36
	Free cash flow	0.74	3.50	0.77	0.51	2.12	4.71	3.62	0.03	1.86	2.89
	Book value	12.72	13.07	14.24	15.02	16.32	16.11	16.73	17.35	18.08	19.50
	Shares, m	4	4	4	3	3	3	3	3	3	3
Valuation, ×
Valuation, ×	P/E	13.41	15.69	12.31	10.84	11.78	13.11	7.43	9.74	10.71	10.24
	P/S	2.36	2.61	2.62	1.72	2.45	2.81	1.48	1.05	1.28	1.80
	P/B	1.06	1.19	1.16	0.83	1.19	1.22	0.84	0.66	0.75	1.08
	EV/Sales	4.14	2.43	1.89	(0.40)	(1.48)	0.13	0.91	0.21	0.87	0.92
	EV/FCF	31.80	4.13	15.42	(5.75)	(5.56)	0.20	2.40	79.86	4.96	3.74
Cash, $m
Cash, $m	Operating cash flow	3	13	5	0	8	17	12	2	5	8
	Capex	(1)	(1)	(2)	2	(1)	(2)	(1)	(2)	0	1
	Free cash flow	3	13	3	2	7	15	11	0	6	9
Balance, $m
Balance, $m	Working capital	9	(21)	(38)	(32)	(53)	(78)	(85)	(68)	(68)	(67)
	Total debt	49	12	2	3	3	3	9	7	4	4
	Net debt	37	(4)	(16)	(52)	(101)	(61)	(16)	(28)	(13)	(31)
	Shareholders’ equity	46	47	50	51	53	52	51	53	55	59
Returns, %
Returns, %	ROA	0.90	0.84	1.10	0.80	0.99	0.84	0.91	0.55	0.62	0.99
	ROIC	4.06	8.44	11.06	0.00	0.00	0.00	12.33	10.23	6.95	17.37
	ROE	8.15	7.65	9.74	7.63	10.39	9.28	11.09	6.95	7.20	10.84

Negative figures in brackets.

All 10 years →

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

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
FUSB FIRST US BANCSH	$90.6M	12.2×	—	+1.73% (above 0%: growing)	+933.33% (above 0%: growing)	−118.35% (below 0%: shrinking)	67.72%	0.00%	Compare
FDSB Fifth District Bancorp, Inc.	$88.4M	49.7×	—	−34.40% (below 0%: shrinking)	−86.89% (below 0%: shrinking)	+457.01% (above 0%: growing)	65.53%	0.00%	Compare
CPBI Central Plains Bancshares, Inc.	$82.6M	16.8×	5.0×	+15.12% (above 0%: growing)	+50.00% (above 0%: growing)	+73.89% (above 0%: growing)	70.52%	0.00%	Compare
SSBI Summit State Bank	$81.7M	36.5×	—	−3.24% (below 0%: shrinking)	n/m	−207.35% (below 0%: shrinking)	100.00%	0.00%	Compare
UBCP United Bancorp, Inc.	$77.6M	9.7×	11.8×	+2.96% (above 0%: growing)	+9.09% (above 0%: growing)	−109.56% (below 0%: shrinking)	70.95%	0.00%	Compare
ASRV AmeriServ Financial Inc.	$75.7M	8.9×	— (loss-making)	+4.04% (above 0%: growing)	n/m	−756.91% (below 0%: shrinking)	70.16%	0.00%	Compare
HFBL Home Federal Bancorp, Inc. of Louisiana	$73.1M	11.8×	—	+10.29% (above 0%: growing)	+23.08% (above 0%: growing)	+210.53% (above 0%: growing)	70.94%	0.00%
CLST Catalyst Bancorp, Inc.	$68.0M	29.8×	—	+3.68% (above 0%: growing)	+7.14% (above 0%: growing)	−14.23% (below 0%: shrinking)	74.83%	0.00%	Compare
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	$79.6M	23.3×	11.8×	+3.32%	+8.12%	−100.22%	70.74%	0.00%

All 323 Banks Regional stocks →

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

Strength: 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.
Strength: Net income was $6.2 million, or $2.05 per share (basic), a net margin of 17.6%.
Home Federal Bancorp, Inc. of Louisiana (HFBL) is a Banks Regional company in the Financial sector, listed on Nasdaq.
As of October 16, 2026, HFBL traded at $24.11, a market capitalization of $73.1 million.
At that price the stock trades at 11.8× trailing-twelve-month earnings and 2.1× sales; its P/E is higher than 47% of its own readings over the past ten years.
Return on equity was 10.8% and debt-to-equity 0.06.
Its Piotroski F-score is 9 out of 9 for fiscal 2026.