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Fifth District Bancorp, Inc. (FDSB) vs Home Federal Bancorp, Inc. of Louisiana (HFBL)

Fifth District Bancorp, Inc. and Home Federal Bancorp, Inc. of Louisiana are both Banks Regional companies. Fifth District Bancorp, Inc. is the larger, with a market value of $88.4M against $73.1M — 1.2× the size. Home Federal Bancorp, Inc. of Louisiana trades at the lower P/E: 11.8× against 49.7×. Home Federal Bancorp, Inc. of Louisiana grew revenue faster over the last twelve months: 8.33% against −6.98%. Home Federal Bancorp, Inc. of Louisiana has the higher net margin (17.6% vs 6.97%) and the higher return on invested capital (17.4% vs 1.10%). Across the 16 metrics below, Home Federal Bancorp, Inc. of Louisiana leads on 12 and Fifth District Bancorp, Inc. on 4.

Valuation

Metric FDSB HFBL Banks Regional median
P/E 49.71 11.76 11.98
P/S 3.47 2.07 2.34
P/B 0.64 1.24 1.19
Price to free cash flow 65.32 8.35 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 2.01% 8.50% 8.23%
Free cash flow yield 1.53% 11.97% 9.08%

Profitability

Metric FDSB HFBL Banks Regional median
Gross margin 62.97% 69.55% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 6.97% 17.55% 18.66%
Free cash flow margin 5.31% 24.73% 21.11%
Return on equity 1.27% 10.84% 10.65%
Return on assets 0.31% 0.99% 1.13%
Return on invested capital 1.10% 17.37% 8.35%

Growth

Metric FDSB HFBL Banks Regional median
Revenue growth (TTM) (6.98%) 8.33% 6.98%
EPS growth (last fiscal year) 480.95% 60.32% 18.88%
Revenue growth, 5-year CAGR — 6.48% 12.38%
Net income growth, 5-year CAGR — 2.85% 9.71%

Health

Metric FDSB HFBL Banks Regional median
Debt to equity 0.05 0.06 0.22
Current ratio 1.06 0.88 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FDSB HFBL Banks Regional median
Dividend yield — 0.00% 2.57%
Payout ratio — 0.00 0.30

Size

Metric FDSB HFBL Banks Regional median
Market cap 88.43m 73.10m 913.33m

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