Home Federal Bancorp, Inc. of Louisiana (HFBL) vs Texas Community Bancshares, Inc. (TCBS)

Home Federal Bancorp, Inc. of Louisiana and Texas Community Bancshares, Inc. are both Banks Regional companies. Home Federal Bancorp, Inc. of Louisiana is the larger, with a market value of $76.1M against $48.8M — 1.6× the size. Home Federal Bancorp, Inc. of Louisiana trades at the lower P/E: 12.7× against 13.4×. Texas Community Bancshares, Inc. grew revenue faster over the last twelve months: 5.96% against 5.66%. Home Federal Bancorp, Inc. of Louisiana has the higher net margin (17.3% vs 12.7%) and the higher return on invested capital (13.5% vs 2.83%). Both pay a dividend; Home Federal Bancorp, Inc. of Louisiana yields more (3.75% vs 0.78%). Across the 20 metrics below, Home Federal Bancorp, Inc. of Louisiana leads on 13 and Texas Community Bancshares, Inc. on 7.

Valuation

Metric HFBL TCBS Banks Regional median
P/E 12.65 13.39 12.15
P/S 2.18 1.72 2.37
P/B 1.29 0.82 1.21
Price to free cash flow 11.52 19.41 10.80
EV/EBITDA n/m n/m —
EV/Sales 1.50 2.90 2.27
Earnings yield 7.90% 7.47% 8.11%
Free cash flow yield 8.68% 5.15% 8.98%

Profitability

Metric HFBL TCBS Banks Regional median
Gross margin 68.79% 66.26% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 17.27% 12.68% 18.66%
Free cash flow margin 18.93% 8.85% 21.18%
Return on equity 10.51% 6.16% 10.64%
Return on assets 0.94% 0.75% 1.13%
Return on invested capital 13.49% 2.83% 8.33%

Growth

Metric HFBL TCBS Banks Regional median
Revenue growth (TTM) 5.66% 5.96% 6.61%
EPS growth (last fiscal year) 6.78% 327.27% —
Revenue growth, 5-year CAGR 6.02% 15.65% 12.30%
Net income growth, 5-year CAGR 0.20% 30.57% 9.71%

Health

Metric HFBL TCBS Banks Regional median
Debt to equity 0.10 0.84 0.22
Current ratio 0.89 0.96 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric HFBL TCBS Banks Regional median
Dividend yield 3.75% 0.78% 3.75%
Payout ratio 0.27 1.67 0.27

Size

Metric HFBL TCBS Banks Regional median
Market cap 76.06m 48.84m 921.07m

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