Central Plains Bancshares, Inc. (CPBI) vs Home Federal Bancorp, Inc. of Louisiana (HFBL)

Central Plains Bancshares, Inc. and Home Federal Bancorp, Inc. of Louisiana are both Banks Regional companies. Central Plains Bancshares, Inc. is the larger, with a market value of $83.9M against $76.1M — 1.1× the size. Home Federal Bancorp, Inc. of Louisiana trades at the lower P/E: 12.7× against 16.6×. Central Plains Bancshares, Inc. grew revenue faster over the last twelve months: 12.1% against 5.66%. Home Federal Bancorp, Inc. of Louisiana has the higher net margin (17.3% vs 14.3%) and the higher return on invested capital (13.5% vs 6.28%). Across the 17 metrics below, Home Federal Bancorp, Inc. of Louisiana leads on 10 and Central Plains Bancshares, Inc. on 7.

Valuation

Metric CPBI HFBL Banks Regional median
P/E 16.64 12.65 12.15
P/S 2.39 2.18 2.37
P/B 0.83 1.29 1.21
Price to free cash flow 11.78 11.52 10.80
EV/EBITDA n/m n/m —
EV/Sales 1.56 1.50 2.27
Earnings yield 6.01% 7.90% 8.11%
Free cash flow yield 8.49% 8.68% 8.98%

Profitability

Metric CPBI HFBL Banks Regional median
Gross margin 70.23% 68.79% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 14.33% 17.27% 18.66%
Free cash flow margin 20.28% 18.93% 21.18%
Return on equity 5.15% 10.51% 10.64%
Return on assets 0.85% 0.94% 1.13%
Return on invested capital 6.28% 13.49% 8.33%

Growth

Metric CPBI HFBL Banks Regional median
Revenue growth (TTM) 12.14% 5.66% 6.61%
EPS growth (last fiscal year) 9.38% 6.78% —
Revenue growth, 5-year CAGR — 6.02% 12.30%
Net income growth, 5-year CAGR — 0.20% 9.71%

Health

Metric CPBI HFBL Banks Regional median
Debt to equity 0.00 0.10 0.22
Current ratio 1.02 0.89 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CPBI HFBL Banks Regional median
Dividend yield — 3.75% 3.75%
Payout ratio — 0.27 0.27

Size

Metric CPBI HFBL Banks Regional median
Market cap 83.86m 76.06m 921.07m

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