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

Home Federal Bancorp, Inc. of Louisiana and United Bancorp, Inc. are both Banks Regional companies. United Bancorp, Inc. is the larger, with a market value of $83.3M against $67.1M — 1.2× the size. United Bancorp, Inc. trades at the lower P/E: 10.4× against 10.9×. Home Federal Bancorp, Inc. of Louisiana grew revenue faster over the last twelve months: 8.33% against 6.21%. Home Federal Bancorp, Inc. of Louisiana has the higher net margin (17.6% vs 15.7%) and the higher return on invested capital (17.4% vs 4.58%). Only United Bancorp, Inc. pays a dividend (5.42%). Across the 18 metrics below, Home Federal Bancorp, Inc. of Louisiana leads on 10 and United Bancorp, Inc. on 8.

Valuation

Metric HFBL UBCP Banks Regional median
P/E 10.91 10.36 12.02
P/S 1.92 1.62 2.36
P/B 1.15 1.09 1.23
Price to free cash flow 7.75 n/m 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 9.17% 9.65% 8.21%
Free cash flow yield 12.91% (5.18%) 9.23%

Profitability

Metric HFBL UBCP Banks Regional median
Gross margin 69.55% 69.59% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 17.55% 15.72% 18.82%
Free cash flow margin 24.73% (8.42%) 17.97%
Return on equity 10.84% 11.50% 10.28%
Return on assets 0.99% 0.88% 1.13%
Return on invested capital 17.37% 4.58% 8.45%

Growth

Metric HFBL UBCP Banks Regional median
Revenue growth (TTM) 8.33% 6.21% 6.37%
EPS growth (last fiscal year) 60.32% 5.51% 18.85%
Revenue growth, 5-year CAGR 6.48% 6.58% 12.65%
Net income growth, 5-year CAGR 2.85% (0.46%) 9.81%

Health

Metric HFBL UBCP Banks Regional median
Debt to equity 0.06 1.10 0.17
Current ratio 0.88 0.76 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric HFBL UBCP Banks Regional median
Dividend yield 0.00% 5.42% 2.49%
Payout ratio 0.00 0.56 0.29

Size

Metric HFBL UBCP Banks Regional median
Market cap 67.06m 83.28m 934.85m

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