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Home Federal Bancorp, Inc. of Louisiana (HFBL) vs Summit State Bank (SSBI)

Home Federal Bancorp, Inc. of Louisiana and Summit State Bank are both Banks Regional companies. Summit State Bank is the larger, with a market value of $81.7M against $73.1M — 1.1× the size. Home Federal Bancorp, Inc. of Louisiana trades at the lower P/E: 11.8× against 36.5×. Home Federal Bancorp, Inc. of Louisiana grew revenue faster over the last twelve months: 8.33% against −7.63%. Home Federal Bancorp, Inc. of Louisiana has the higher net margin (17.6% vs 3.87%) and the higher return on invested capital (17.4% vs 0.00%). Neither pays a dividend. Across the 17 metrics below, Home Federal Bancorp, Inc. of Louisiana leads on 12 and Summit State Bank on 5.

Valuation

Metric HFBL SSBI Banks Regional median
P/E 11.76 36.47 11.98
P/S 2.07 1.44 2.34
P/B 1.24 n/m 1.19
Price to free cash flow 8.35 13.85 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.50% 2.74% 8.23%
Free cash flow yield 11.97% 7.22% 9.08%

Profitability

Metric HFBL SSBI Banks Regional median
Gross margin 69.55% 100.00% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 17.55% 3.87% 18.66%
Free cash flow margin 24.73% 0.00% 21.11%
Return on equity 10.84% 0.00% 10.65%
Return on assets 0.99% 0.00% 1.13%
Return on invested capital 17.37% 0.00% 8.35%

Growth

Metric HFBL SSBI Banks Regional median
Revenue growth (TTM) 8.33% (7.63%) 6.98%
EPS growth (last fiscal year) 60.32% 287.04% 18.88%
Revenue growth, 5-year CAGR 6.48% 7.55% 12.38%
Net income growth, 5-year CAGR 2.85% (8.36%) 9.71%

Health

Metric HFBL SSBI Banks Regional median
Debt to equity 0.06 0.08 0.22
Current ratio 0.88 0.91 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric HFBL SSBI Banks Regional median
Dividend yield 0.00% 0.00% 2.57%
Payout ratio 0.00 0.00 0.30

Size

Metric HFBL SSBI Banks Regional median
Market cap 73.10m 81.66m 913.33m

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