Home Federal Bancorp, Inc. of Louisiana (HFBL) vs Marathon Bancorp, Inc. (MBBC)

Home Federal Bancorp, Inc. of Louisiana and Marathon Bancorp, Inc. are both Banks Regional companies. Home Federal Bancorp, Inc. of Louisiana is the larger, with a market value of $76.1M against $46.0M — 1.7× the size. Home Federal Bancorp, Inc. of Louisiana trades at the lower P/E: 12.7× against 36.3×. Marathon Bancorp, Inc. grew revenue faster over the last twelve months: 23.6% against 5.66%. Home Federal Bancorp, Inc. of Louisiana has the higher net margin (17.3% vs 14.1%) and the higher return on invested capital (13.5% vs 2.98%). Across the 19 metrics below, Home Federal Bancorp, Inc. of Louisiana leads on 13 and Marathon Bancorp, Inc. on 6.

Valuation

Metric HFBL MBBC Banks Regional median
P/E 12.65 36.26 12.15
P/S 2.18 3.23 2.37
P/B 1.29 0.86 1.21
Price to free cash flow 11.52 20.36 10.80
EV/EBITDA n/m n/m —
EV/Sales 1.50 3.16 2.27
Earnings yield 7.90% 2.76% 8.11%
Free cash flow yield 8.68% 4.91% 8.98%

Profitability

Metric HFBL MBBC Banks Regional median
Gross margin 68.79% 70.96% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 17.27% 14.07% 18.66%
Free cash flow margin 18.93% 15.87% 21.18%
Return on equity 10.51% 3.82% 10.64%
Return on assets 0.94% 0.72% 1.13%
Return on invested capital 13.49% 2.98% 8.33%

Growth

Metric HFBL MBBC Banks Regional median
Revenue growth (TTM) 5.66% 23.59% 6.61%
EPS growth (last fiscal year) 6.78% 123.09% —
Revenue growth, 5-year CAGR 6.02% 4.37% 12.30%
Net income growth, 5-year CAGR 0.20% 1.39% 9.71%

Health

Metric HFBL MBBC Banks Regional median
Debt to equity 0.10 0.42 0.22
Current ratio 0.89 1.26 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

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

Size

Metric HFBL MBBC Banks Regional median
Market cap 76.06m 45.99m 921.07m

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