First Seacoast Bancorp Inc. (FSEA) vs Home Federal Bancorp, Inc. of Louisiana (HFBL)

First Seacoast Bancorp Inc. and Home Federal Bancorp, Inc. of Louisiana are both Banks Regional companies. First Seacoast Bancorp Inc. and Home Federal Bancorp, Inc. of Louisiana are of similar size ($80.8M and $76.1M). First Seacoast Bancorp Inc. has negative trailing earnings, so its P/E is not meaningful; Home Federal Bancorp, Inc. of Louisiana trades at 12.7×. Home Federal Bancorp, Inc. of Louisiana grew revenue faster over the last twelve months: 5.66% against 2.81%. Home Federal Bancorp, Inc. of Louisiana has the higher net margin (17.3% vs 0.15%) and the higher return on invested capital (13.5% vs −0.32%). Across the 17 metrics below, Home Federal Bancorp, Inc. of Louisiana leads on 14 and First Seacoast Bancorp Inc. on 3.

Valuation

Metric FSEA HFBL Banks Regional median
P/E n/m 12.65 12.15
P/S 2.59 2.18 2.37
P/B 1.16 1.29 1.21
Price to free cash flow n/m 11.52 10.80
EV/EBITDA n/m n/m —
EV/Sales 3.97 1.50 2.27
Earnings yield (0.12%) 7.90% 8.11%
Free cash flow yield (0.08%) 8.68% 8.98%

Profitability

Metric FSEA HFBL Banks Regional median
Gross margin 56.41% 68.79% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 0.15% 17.27% 18.66%
Free cash flow margin (0.21%) 18.93% 21.18%
Return on equity 0.07% 10.51% 10.64%
Return on assets 0.01% 0.94% 1.13%
Return on invested capital (0.32%) 13.49% 8.33%

Growth

Metric FSEA HFBL Banks Regional median
Revenue growth (TTM) 2.81% 5.66% 6.61%
EPS growth (last fiscal year) (91.67%) 6.78% —
Revenue growth, 5-year CAGR 9.94% 6.02% 12.30%
Net income growth, 5-year CAGR 0.00% 0.20% 9.71%

Health

Metric FSEA HFBL Banks Regional median
Debt to equity 0.70 0.10 0.22
Current ratio 0.94 0.89 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FSEA HFBL Banks Regional median
Dividend yield — 3.75% 3.75%
Payout ratio 0.00 0.27 0.27

Size

Metric FSEA HFBL Banks Regional median
Market cap 80.82m 76.06m 921.07m

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