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FIRST US BANCSH (FUSB) vs Home Federal Bancorp, Inc. of Louisiana (HFBL)

FIRST US BANCSH and Home Federal Bancorp, Inc. of Louisiana are both Banks Regional companies. FIRST US BANCSH is the larger, with a market value of $84.5M against $67.1M — 1.3× the size. Home Federal Bancorp, Inc. of Louisiana trades at the lower P/E: 10.9× against 11.9×. Home Federal Bancorp, Inc. of Louisiana grew revenue faster over the last twelve months: 8.33% against 3.13%. Home Federal Bancorp, Inc. of Louisiana has the higher net margin (17.6% vs 12.2%) and the higher return on invested capital (17.4% vs 15.4%). Only FIRST US BANCSH pays a dividend (1.71%). Across the 19 metrics below, Home Federal Bancorp, Inc. of Louisiana leads on 13 and FIRST US BANCSH on 6.

Valuation

Metric FUSB HFBL Banks Regional median
P/E 11.88 10.91 12.02
P/S 1.39 1.92 2.36
P/B 0.92 1.15 1.23
Price to free cash flow 8.65 7.75 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.41% 9.17% 8.21%
Free cash flow yield 11.56% 12.91% 9.23%

Profitability

Metric FUSB HFBL Banks Regional median
Gross margin 65.71% 69.55% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 12.15% 17.55% 18.82%
Free cash flow margin 17.36% 24.73% 17.97%
Return on equity 7.75% 10.84% 10.28%
Return on assets 0.67% 0.99% 1.13%
Return on invested capital 15.39% 17.37% 8.45%

Growth

Metric FUSB HFBL Banks Regional median
Revenue growth (TTM) 3.13% 8.33% 6.37%
EPS growth (last fiscal year) (24.81%) 60.32% 18.85%
Revenue growth, 5-year CAGR 6.78% 6.48% 12.65%
Net income growth, 5-year CAGR 17.22% 2.85% 9.81%

Health

Metric FUSB HFBL Banks Regional median
Debt to equity 0.11 0.06 0.17
Current ratio 0.90 0.88 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FUSB HFBL Banks Regional median
Dividend yield 1.71% 0.00% 2.49%
Payout ratio 0.21 0.00 0.29

Size

Metric FUSB HFBL Banks Regional median
Market cap 84.47m 67.06m 934.85m

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