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

Home Federal Bancorp, Inc. of Louisiana and NSTS Bancorp, Inc. are both Banks Regional companies. Home Federal Bancorp, Inc. of Louisiana and NSTS Bancorp, Inc. are of similar size ($76.1M and $74.1M). NSTS Bancorp, Inc. has negative trailing earnings, so its P/E is not meaningful; Home Federal Bancorp, Inc. of Louisiana trades at 12.7×. NSTS Bancorp, Inc. grew revenue faster over the last twelve months: 7.00% against 5.66%. Home Federal Bancorp, Inc. of Louisiana has the higher net margin (17.3% vs −0.31%) and the higher return on invested capital (13.5% vs −0.09%). Across the 18 metrics below, NSTS Bancorp, Inc. leads on 11 and Home Federal Bancorp, Inc. of Louisiana on 7.

Valuation

Metric HFBL NSTS Banks Regional median
P/E 12.65 n/m 12.15
P/S 2.18 4.99 2.37
P/B 1.29 0.87 1.21
Price to free cash flow 11.52 4.38 10.80
EV/EBITDA n/m n/m —
EV/Sales 1.50 1.48 2.27
Earnings yield 7.90% (0.06%) 8.11%
Free cash flow yield 8.68% 22.83% 8.98%

Profitability

Metric HFBL NSTS Banks Regional median
Gross margin 68.79% 77.36% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 17.27% (0.31%) 18.66%
Free cash flow margin 18.93% 113.89% 21.18%
Return on equity 10.51% (0.05%) 10.64%
Return on assets 0.94% (0.02%) 1.13%
Return on invested capital 13.49% (0.09%) 8.33%

Growth

Metric HFBL NSTS Banks Regional median
Revenue growth (TTM) 5.66% 7.00% 6.61%
EPS growth (last fiscal year) 6.78% 50.00% —
Revenue growth, 5-year CAGR 6.02% 11.74% 12.30%
Net income growth, 5-year CAGR 0.20% 0.00% 9.71%

Health

Metric HFBL NSTS Banks Regional median
Debt to equity 0.10 0.00 0.22
Current ratio 0.89 0.95 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

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

Size

Metric HFBL NSTS Banks Regional median
Market cap 76.06m 74.12m 921.07m

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