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HFBL logoHome Federal Bancorp, Inc. of Louisiana(HFBL)Earnings, Financials & Key Ratios

HFBL•NASDAQ•Banking & Credit
$19.96
$61M mkt cap·15.8× P/E·Price updated May 6, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommunity and retail regional banks
AboutHome Federal Bancorp, Inc. of Louisiana operates as the holding company for Home Federal Bank that provides various financial services to individuals, corporate entities, and other organizations. The company accepts various deposits, such as passbook savings, certificates of deposit, and demand deposit accounts. Its loan products include one-to-four family residential real estate loans; commercial real estate secured loans; multi-family residential loans; commercial business loans; land loans; construction loans; home equity and second mortgage loans; equity lines of credit; and consumer non-real estate loans, including loans secured by deposit accounts, automobile loans, overdrafts, and other unsecured loans. As of August 25, 2021, it operated seven full-service banking offices. The company was founded in 1924 and is based in Shreveport, Louisiana.Show more
  • Net Interest Income$19M-1.5%
  • Total Revenue$32M-2.9%
  • Net Income$4M+8.2%
  • Return on Equity7.2%+3.5%
  • Net Interest Margin3.06%+3.1%
  • Efficiency Ratio49.53%+1.3%
  • ROA0.62%+12.7%
  • Equity / Assets9.06%+9.4%
  • Book Value per Share17.88+4.4%
  • Tangible BV/Share16.61+5.3%
  • Debt/Equity0.07-45.3%
Technical→

HFBL Key Insights

Home Federal Bancorp, Inc. of Louisiana (HFBL) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Company is almost debt free
  • ✓Strong Piotroski F-Score: 8/9
  • ✓Efficient operations: 49.5% efficiency ratio
  • ✓11 consecutive years of dividend growth
  • ✓Healthy dividend yield of 2.6%
  • ✓Trading near 52-week high

✗Weaknesses

No significant weaknesses identified

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

HFBL Price & Volume

Home Federal Bancorp, Inc. of Louisiana (HFBL) stock price & volume — 10-year historical chart

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HFBL Growth Metrics

Home Federal Bancorp, Inc. of Louisiana (HFBL) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years6.39%
5 Years6.21%
3 Years12.86%
TTM-

Profit CAGR

10 Years1.49%
5 Years0.2%
3 Years-7.25%
TTM56.17%

EPS CAGR

10 Years4.26%
5 Years3.32%
3 Years-3.68%
TTM54.13%

Return on Capital

10 Years9.94%
5 Years10.68%
3 Years9.66%
Last Year8.04%

HFBL Peer Comparison

Home Federal Bancorp, Inc. of Louisiana (HFBL) competitors in Community and retail regional banks — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
HFWA logoHFWAHeritage Financial CorporationDirect Competitor933.57M27.4614.015.92%7.51%0.05
CZWI logoCZWICitizens Community Bancorp, Inc.Direct Competitor202.59M21.0414.41-9.41%7.81%0.28
NBTB logoNBTBNBT Bancorp Inc.Product Competitor2.36B45.2013.5710.36%9.51%0.17
HBCP logoHBCPHome Bancorp, Inc.Product Competitor504.25M64.4210.974.93%11.03%0.13
LADR logoLADRLadder Capital CorpProduct Competitor1.31B10.2920.18-23.26%16.52%4.29%2.37
AROW logoAROWArrow Financial CorporationProduct Competitor610.43M36.9713.958.75%10.58%0.07
BFST logoBFSTBusiness First Bancshares, Inc.Product Competitor903.94M27.659.9511.84%10.19%0.61
FFIN logoFFINFirst Financial Bankshares, Inc.Product Competitor4.64B32.6020.9018.79%13.25%0.12

Compare HFBL vs Peers

Home Federal Bancorp, Inc. of Louisiana (HFBL) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs HFWA

Most directly comparable listed peer for HFBL.

Scale Benchmark

vs ICE

Larger-name benchmark to compare HFBL against a more recognizable public peer.

Peer Set

Compare Top 5

vs HFWA, CZWI, NBTB, HBCP

HFBL Income Statement

Home Federal Bancorp, Inc. of Louisiana (HFBL) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
Line itemJun'17Jun'18Jun'19Jun'20Jun'21Jun'22Jun'23Jun'24Jun'25TTM
Net Interest Income14.09M14.93M15.31M15.18M16.94M17.36M21.55M18.95M18.67M20.28M
NII Growth %9.66%5.96%2.59%-0.86%11.59%2.46%24.17%-12.07%-1.48%55.87%
Net Interest Margin %3.3%3.54%3.46%2.93%2.99%2.94%3.26%2.97%3.06%3.26%
Interest Income16.89M18.42M19.85M20.34M20.25M19.23M26.63M31.86M30.46M31.14M
Interest Expense2.8M3.5M4.53M5.15M3.3M1.88M5.08M12.91M11.79M10.85M
Loan Loss Provision900K1.05M600K1.89M1.8M336K868K40K-126K204K
Non-Interest Income3.57M2.72M2.1M3.58M5.09M3.26M1.9M1.43M1.87M2.09M
Non-Interest Income %17.43%12.86%9.55%14.98%20.08%14.48%6.65%4.29%5.79%6.28%
Total Revenue
20.46M▲ 0%
21.14M▲ 3.3%
21.94M▲ 3.8%
23.92M▲ 9.0%
25.33M▲ 5.9%
22.49M▼ 11.2%
28.53M▲ 26.8%
33.29M▲ 16.7%
32.33M▼ 2.9%
33.22M▲ 0%
Revenue Growth %11%3.34%3.78%9.01%5.91%-11.22%26.85%16.7%-2.88%5.62%
Non-Interest Expense11.35M10.78M10.78M12.07M13.42M14.28M15.81M16.27M16.01M15.53M
Efficiency Ratio55.46%50.97%49.15%50.45%52.97%63.48%55.42%48.87%49.53%46.74%
Operating Income
5.41M▲ 0%
5.82M▲ 7.6%
6.03M▲ 3.5%
4.81M▼ 20.2%
6.81M▲ 41.7%
6M▼ 11.9%
6.77M▲ 12.8%
4.07M▼ 39.9%
4.65M▲ 14.4%
6.64M▲ 0%
Operating Margin %26.44%27.53%27.46%20.1%26.88%26.68%23.73%12.22%14.39%19.98%
Operating Income Growth %7.75%7.58%3.54%-20.23%41.67%-11.89%12.83%-39.9%14.38%-
Pretax Income
5.41M▲ 0%
5.82M▲ 7.6%
6.03M▲ 3.5%
4.81M▼ 20.2%
6.81M▲ 41.7%
6M▼ 11.9%
6.77M▲ 12.8%
4.07M▼ 39.9%
4.65M▲ 14.4%
6.64M▲ 0%
Pretax Margin %26.44%27.53%27.46%20.1%26.88%26.68%23.73%12.22%14.39%19.98%
Income Tax1.76M2.25M1.28M957K1.45M1.13M1.07M476K766K1.44M
Effective Tax Rate %32.5%38.69%21.29%19.91%21.22%18.78%15.75%11.7%16.46%21.64%
Net Income
3.65M▲ 0%
3.57M▼ 2.3%
4.74M▲ 32.9%
3.85M▼ 18.8%
5.37M▲ 39.4%
4.87M▼ 9.2%
5.7M▲ 17.1%
3.59M▼ 37.0%
3.89M▲ 8.2%
5.2M▲ 0%
Net Margin %17.85%16.88%21.62%16.1%21.18%21.67%19.99%10.79%12.02%15.66%
Net Income Growth %8.14%-2.3%32.93%-18.83%39.35%-9.17%17.05%-37.01%8.21%56.17%
Net Income (Continuing)3.65M3.57M4.74M3.85M5.37M4.87M5.7M3.59M3.89M5.2M
EPS (Diluted)
0.96▲ 0%
0.97▲ 1.0%
1.25▲ 28.9%
1.07▼ 14.4%
1.57▲ 46.7%
1.41▼ 10.2%
1.81▲ 28.4%
1.17▼ 35.4%
1.26▲ 7.7%
1.68▲ 0%
EPS Growth %10.34%1.04%28.87%-14.4%46.73%-10.19%28.37%-35.36%7.69%54.13%
EPS (Basic)1.001.031.341.141.661.501.891.181.27-
Diluted Shares Outstanding3.82M3.69M3.79M3.59M3.43M3.46M3.15M3.08M3.09M3.1M

HFBL Balance Sheet

Home Federal Bancorp, Inc. of Louisiana (HFBL) balance sheet — assets, liabilities & shareholders' equity

Line itemJun'17Jun'18Jun'19Jun'20Jun'21Jun'22Jun'23Jun'24Jun'25TTM
Cash & Short Term Investments43.06M36.39M56.99M78.86M90.33M70.35M59.34M42.28M50.44M160.24M
Cash & Due from Banks6.13M7.07M15.33M36.8M60.78M42.25M19.79M15.25M16.2M19.27M
Short Term Investments36.94M29.32M41.66M42.06M29.55M28.1M39.55M27.04M34.25M1.25M
Total Investments391.69M382.47M399.75M437.64M435.08M499.9M603.47M568.54M558.77M569.73M
Investments Growth %10.25%-2.36%4.52%9.48%-0.59%14.9%20.72%-5.79%-1.72%-5%
Long-Term Investments354.76M353.14M358.09M395.58M405.53M471.8M563.92M541.5M524.53M2.18B
Accounts Receivables1.09M1.15M1.17M1.86M1.16M1.12M1.79M1.77M1.84M1.87M
Goodwill & Intangibles0000004.52M4.19M3.9M3.77M
Goodwill0000002.99M2.99M2.99M2.99M
Intangible Assets0000001.53M1.2M915K784K
PP&E (Net)12.22M12.24M13.55M13.23M14.91M16.25M16.56M18.3M17.27M16.75M
Other Assets13.87M17.63M11.8M27.93M52.98M29.81M13.47M28.28M10.35M9.07M
Total Current Assets44.16M37.54M58.16M80.72M91.49M71.48M61.13M44.06M52.28M22.39M
Total Non-Current Assets382.45M384.11M384.29M437.5M474.24M519M599.78M593.45M557.21M599.06M
Total Assets
426.61M▲ 0%
421.65M▼ 1.2%
442.45M▲ 4.9%
518.22M▲ 17.1%
565.73M▲ 9.2%
590.48M▲ 4.4%
660.91M▲ 11.9%
637.51M▼ 3.5%
609.49M▼ 4.4%
621.45M▲ 0%
Asset Growth %11.76%-1.16%4.93%17.12%9.17%4.37%11.93%-3.54%-4.4%-6.7%
Return on Assets (ROA)0.9%0.84%1.1%0.8%0.99%0.84%0.91%0.55%0.62%0.84%
Accounts Payable000002.61M0000
Total Debt48.91M11.94M1.8M3.36M3.27M3.18M8.55M7M4M4M
Net Debt42.78M4.87M-13.53M-33.44M-57.51M-39.07M-11.24M-8.25M-12.2M-15.27M
Long-Term Debt11.91M6.36M1.06M867K832K00004M
Short-Term Debt37M5.58M745K2.49M2.44M3.18M8.55M7M4M0
Other Liabilities698K725K584K522K426K-2.25M554K3.7M4M4.82M
Total Current Liabilities367.75M367.53M390.47M466.3M511.75M540.38M609.82M581.01M550.29M554.88M
Total Non-Current Liabilities12.61M7.08M1.64M1.39M1.26M-2.25M554K3.7M4M8.82M
Total Liabilities380.36M374.61M392.11M467.69M513.01M538.13M610.37M584.71M554.29M563.7M
Total Equity
46.25M▲ 0%
47.04M▲ 1.7%
50.34M▲ 7.0%
50.53M▲ 0.4%
52.73M▲ 4.3%
52.35M▼ 0.7%
50.54M▼ 3.4%
52.8M▲ 4.5%
55.2M▲ 4.5%
57.75M▲ 0%
Equity Growth %6.58%1.71%7.03%0.38%4.33%-0.72%-3.45%4.47%4.55%20.03%
Equity / Assets (Capital Ratio)10.84%11.16%11.38%9.75%9.32%8.87%7.65%8.28%9.06%9.29%
Return on Equity (ROE)8.15%7.65%9.74%7.63%10.39%9.28%11.09%6.95%7.2%9.28%
Book Value per Share12.1112.7413.2914.0615.3915.1116.0317.1317.8818.62
Tangible BV per Share12.1112.7413.2914.0615.3915.1114.6015.7716.6117.40
Common Stock23K23K23K22K34K34K31K32K32K34K
Additional Paid-in Capital34.52M35.06M35.91M36.53M37.7M40.15M40.98M41.74M42.19M43.98M
Retained Earnings13.32M14.13M15.37M13.94M15.47M14.51M12.71M14.05M15.24M15.41M
Accumulated OCI-352K-1.05M20K915K275K-1.7M-2.65M-2.62M-1.93M-1.38M
Treasury Stock0000000000
Preferred Stock0000000000

HFBL Cash Flow Statement

Home Federal Bancorp, Inc. of Louisiana (HFBL) cash flow — operating, investing & free cash flow history

Line itemJun'17Jun'18Jun'19Jun'20Jun'21Jun'22Jun'23Jun'24Jun'25TTM
Cash from Operations3.38M13.1M4.8M200K8.33M17.06M12.11M2.32M5.47M5.47M
Operating CF Growth %-52.14%288.27%-63.4%-95.83%4066%104.74%-29.04%-80.85%136.07%250.59%
Net Income3.65M3.57M4.74M3.85M5.37M4.87M5.7M3.59M3.89M5.2M
Depreciation & Amortization505K503K536K653K665K763K869K1.28M1.37M1.1M
Deferred Taxes-393K499K-30K92K-61K-324K-174K122K-163K205K
Other Non-Cash Items-1.15M7.93M-1.09M-4.68M1.31M10.78M4.49M-2.54M-301K695K
Working Capital Changes-85K-27K-29K-360K483K294K601K-638K257K629K
Cash from Investing-36.98M-761K-17.43M-32.51M-1.42M-78.79M-115.31M34.48M10.21M-13.77M
Purchase of Investments-27.68M-8.89M-18.5M-21.5M-52.89M-44.1M-22.18M-2.67M-12.7M-10.37M
Sale/Maturity of Investments14.22M15.16M11.01M26.9M30.59M17.72M16.25M21.09M12.01M9.04M
Net Investment Activity-13.47M6.27M-7.49M5.4M-22.3M-26.39M-5.93M18.42M-690K-1.34M
Acquisitions000000-10.24M000
Other Investing-22.85M-6.51M-7.33M-36.94M23.23M-49.83M-97.96M18.75M10.95M-12.39M
Cash from Financing40.76M-8.38M14.87M69.07M42.62M21.41M63.9M-26.62M-33.29M5.48M
Dividends Paid-705K-924K-1.05M-1.14M-1.12M-1.35M-1.53M-1.57M-1.63M-1.65M
Share Repurchases-645K-1.96M-2.45M-4.14M-2.59M-4.48M-5.96M-487K-1.07M-3.01M
Stock Issued00000000111K1.57M
Net Stock Activity-645K-1.96M-2.45M-4.14M-2.59M-4.48M-5.96M-487K-962K-1.44M
Debt Issuance (Net)842K-1000K-1000K1000K-93K-85K1000K-1000K-1000K1000K
Other Financing41.27M31.47M28.5M72.8M46.43M27.33M66.02M-23.01M-27.7M5.57M
Net Change in Cash
7.15M▲ 0%
3.96M▼ 44.6%
2.24M▼ 43.4%
36.76M▲ 1540.5%
49.53M▲ 34.7%
-40.33M▼ 181.4%
-39.31M▲ 2.5%
10.18M▲ 125.9%
-17.6M▼ 272.8%
-272K▲ 0%
Exchange Rate Effect0000000000
Cash at Beginning4.76M11.9M15.87M18.11M54.87M104.41M64.08M24.77M34.95M26.49M
Cash at End11.9M15.87M18.11M54.87M104.41M64.08M24.77M34.95M17.35M19.27M
Interest Paid2.78M3.48M4.54M5.16M3.33M1.89M5.08M12.91M11.75M10.79M
Income Taxes Paid2.11M1.58M1.29M760K1.48M1.11M950K680K685K1.07M
Free Cash Flow
2.7M▲ 0%
12.59M▲ 365.5%
2.19M▼ 82.6%
-770K▼ 135.2%
5.98M▲ 876.4%
14.48M▲ 142.3%
10.92M▼ 24.6%
-368K▼ 103.4%
5.43M▲ 1574.5%
7.61M▲ 0%
FCF Growth %-38.99%365.53%-82.64%-135.24%876.36%142.31%-24.58%-103.37%1574.46%59.12%

HFBL Banking Ratios

Home Federal Bancorp, Inc. of Louisiana (HFBL) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric201720182019202020212022202320242025TTM
Return on Equity (ROE)8.15%7.65%9.74%7.63%10.39%9.28%11.09%6.95%7.2%9.28%
Return on Assets (ROA)0.9%0.84%1.1%0.8%0.99%0.84%0.91%0.55%0.62%0.84%
Net Interest Margin3.3%3.54%3.46%2.93%2.99%2.94%3.26%2.97%3.06%3.26%
Efficiency Ratio55.46%50.97%49.15%50.45%52.97%63.48%55.42%48.87%49.53%46.74%
Equity / Assets10.84%11.16%11.38%9.75%9.32%8.87%7.65%8.28%9.06%9.29%
Book Value / Share12.1112.7413.2914.0615.3915.1116.0317.1317.8818.62
NII Growth9.66%5.96%2.59%-0.86%11.59%2.46%24.17%-12.07%-1.48%14.01%
Dividend Payout19.3%25.9%22.16%29.66%20.91%27.77%26.82%43.67%41.9%31.64%

HFBL SEC Filings & Documents

Home Federal Bancorp, Inc. of Louisiana (HFBL) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Apr 30, 2026·SEC

Material company update

Apr 15, 2026·SEC

Material company update

Jan 28, 2026·SEC

10-K Annual Reports

3
FY 2025

Sep 26, 2025·SEC

FY 2024

Sep 30, 2024·SEC

FY 2023

Oct 2, 2023·SEC

10-Q Quarterly Reports

6
FY 2026

Feb 12, 2026·SEC

FY 2025

Nov 10, 2025·SEC

FY 2025

May 13, 2025·SEC

HFBL Frequently Asked Questions

Home Federal Bancorp, Inc. of Louisiana (HFBL) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

Home Federal Bancorp, Inc. of Louisiana (HFBL) saw revenue decline by 2.9% over the past year.

Yes, Home Federal Bancorp, Inc. of Louisiana (HFBL) is profitable, generating $5.2M in net income for fiscal year 2025 (12.0% net margin).

Dividend & Returns

Yes, Home Federal Bancorp, Inc. of Louisiana (HFBL) pays a dividend with a yield of 2.64%. This makes it attractive for income-focused investors.

Home Federal Bancorp, Inc. of Louisiana (HFBL) has a return on equity (ROE) of 7.2%. This is below average, suggesting room for improvement.

Industry Metrics

Home Federal Bancorp, Inc. of Louisiana (HFBL) has a net interest margin (NIM) of 3.1%. This indicates healthy earnings from lending activities.

Home Federal Bancorp, Inc. of Louisiana (HFBL) has an efficiency ratio of 49.5%. This is excellent, indicating strong cost control.

Explore More HFBL

Home Federal Bancorp, Inc. of Louisiana (HFBL) financial analysis — history, returns, DCA and operating performance tools

Total Return Calculator

Historical returns with dividends reinvested

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DCA Calculator

Dollar cost averaging vs lump sum

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Dividend History

Yield, growth, payout safety & DRIP

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Earnings History

EPS trends, net income & profitability

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Price History

Long-term charts & historical price data

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Revenue History

Sales growth patterns & revenue breakdown

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Financial Ratios

30 years of market, efficiency and balance-sheet ratios

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Valuation

DCF intrinsic value, peer multiples & estimates

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