Home Federal Bancorp, Inc. of Louisiana (HFBL) vs SHF Holdings, Inc. (SHFS)

Home Federal Bancorp, Inc. of Louisiana and SHF Holdings, Inc. are both Banks Regional companies. Home Federal Bancorp, Inc. of Louisiana is the larger, with a market value of $69.3M against $1.6M — 44.7× the size. SHF Holdings, Inc. has negative trailing earnings, so its P/E is not meaningful; Home Federal Bancorp, Inc. of Louisiana trades at 11.3×. Home Federal Bancorp, Inc. of Louisiana grew revenue faster over the last twelve months: 8.33% against −28.6%. Home Federal Bancorp, Inc. of Louisiana has the higher net margin (17.6% vs −64.1%) and the higher return on invested capital (17.4% vs −879.5%). Across the 18 metrics below, Home Federal Bancorp, Inc. of Louisiana leads on 11 and SHF Holdings, Inc. on 7.

Valuation

Metric HFBL SHFS Banks Regional median
P/E 11.26 n/m 12.46
P/S 1.98 0.00 2.41
P/B 1.18 0.00 1.26
Price to free cash flow 8.00 n/m 11.00
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.88% (23,769.40%) 7.96%
Free cash flow yield 12.51% (16,097.38%) 8.80%

Profitability

Metric HFBL SHFS Banks Regional median
Gross margin 69.55% 100.00% 69.75%
Operating margin 0.00% (66.95%) 0.00%
Net margin 17.55% (64.13%) 18.88%
Free cash flow margin 24.73% (56.83%) 17.28%
Return on equity 10.84% 85.14% 10.43%
Return on assets 0.99% (49.79%) 1.14%
Return on invested capital 17.37% (879.51%) 8.47%

Growth

Metric HFBL SHFS Banks Regional median
Revenue growth (TTM) 8.33% (28.59%) 6.94%
EPS growth (last fiscal year) 60.32% 95.30% 18.88%
Revenue growth, 5-year CAGR 6.48% 1.84% 12.56%
Net income growth, 5-year CAGR 2.85% 0.00% 9.78%

Health

Metric HFBL SHFS Banks Regional median
Debt to equity 0.06 0.00 0.20
Current ratio 0.88 1.76 0.94
Net debt to EBITDA 0.00 1.30 0.00

Dividend

Metric HFBL SHFS Banks Regional median
Dividend yield 0.00% — 2.64%
Payout ratio 0.00 — 0.32

Size

Metric HFBL SHFS Banks Regional median
Market cap 69.25m 1.55m 910.32m

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