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HFBLHome Federal Bancorp, Inc. of Louisiana
$25.00$76M
Overview & Tools
OverviewChart Terminal ↗Visualize
Valuation & Forecasts
Valuation ModelsEstimatesDCF Model
Price & Analyst Data
Analyst TargetsPrice History
Financial Statements
Income StatementBalance SheetCash FlowRatios & Margins
Performance
P/E HistoryRevenue HistoryEarnings HistoryDividend HistoryTotal Return
Discovery & Screens
Live BreakoutsStock ScreenerOwnership
HFBL logo

Home Federal Bancorp, Inc. of Louisiana

HFBL
NASDAQ · Regional Banks
$25.00
At close - Sep 23, 4:00 PM EDT - USD
Market Cap$76M
P/E19.8x
52W High$28.00
Volume724
OverviewTerminalAnalysisFinancialsValuationEarningsBreakoutsOwnership
VCP Research Verdict2026Q3

Conservative Capital Structure Limits Regional Growth Potential

Home Federal Bancorp maintains a fortress-like balance sheet with an equity-to-assets ratio of 0.09, yet this extreme conservatism appears to suppress return on equity, which languished at 2.5% in 2026Q3. While the bank has successfully grown net interest inco...

GrowthAccelerating
ProfitabilityModerate
ValuationExpensive
TechnicalsHealthy
Explore valuation models
MARKET ACTION

HFBL price & volume

Price trend, volume and key moving averages

Launch Terminal
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Decision Checklist4 Core Signals

What matters now

The signals most likely to change the investment case.

01

Earnings momentum

0/12 Beats

EPS beat 0 of last 12 quarters

02

Valuation risk

+25% Peers

P/E is 25% above peer median

03

Market leadership

RS 88 · Leader

High momentum (Outperforming 88% of market)

04

Healthy Uptrend

Uptrend

Price > 50DMA > 200DMA

Next CatalystEstimated earnings · Oct 30

Market performance

Price History →

Trailing total returns as of 9/24/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).

YTD Return
HFBL+42.81%
S&P 500 (^GSPC)+12.39%
1-Year Return
HFBL+87.22%
S&P 500 (^GSPC)+15.77%
3-Year Return
HFBL+83.34%
S&P 500 (^GSPC)+75.83%
5-Year Return
HFBL+48.43%
S&P 500 (^GSPC)+71.61%
02

Test the fundamentals

Check whether operating performance supports the current valuation.

VALUATION & INTRINSIC VALUE

Valuation Scenarios

Valuation Analysis
Trailing P/E5Y High
19.8x
Forward P/E
N/A
EV/EBITDA100th %ile
10.7x
FCF YieldCash Flow
7.1%

Valuation vs 5-Year History

Multiple Range
Metric
Current
5Y Median
Historical Range
Percentile
P/E
19.8x
10.8x
100th· High
EV/EBITDA
10.7x
4.3x
100th· High
Price/FCF
14.1x
7.7x
100th· High
Current Multiple
5Y Median (50th %ile)

Intrinsic Value Scenarios

DCF Projection
No DCF Model AvailableIntrinsic value modeling is not supported for this equity.

Growth & profitability

Annual revenue & EPS trend
Revenue
$21M+0.8% YoY
Net income
$4M+8.2% YoY
Free cash flow
$5M+1574.5% YoY
Operating margin
14.4%+2.2 pts YoY
ROIC (TTM)5.9%
Avg ROIC 5Y-
ROE (TTM)7.2%
Piotroski Score8 / 9
Financial Statements →
03

Monitor what changed

Recent results and news deserve attention only when they alter the forward view.

OPERATING RESULTS

Recent Earnings

Earnings History
QuarterEPS (Act vs Est)Revenue (Act vs Est)
Q3 2026Latest
Jul 30, 2026
$0.46
vs —
$7M
vs —
Q2 2026
Apr 30, 2026
$0.48
vs —
$8M
vs —
Q1 2026
Jan 28, 2026
$0.54
vs —
$8M
vs —
Q4 2025
Oct 23, 2025
$0.52
vs —
$9M
vs —
Historical baseline: 12 quarters analyzedGAAP / Adjusted
MARKET COVERAGE

Latest News

3 Stories
GlobeNewsWire·Jul 30, 2026
HOME FEDERAL BANCORP, INC. OF LOUISIANA REPORTS RECORD ANNUAL EARNINGS AND RESULTS OF OPERATIONS FOR THE THREE MONTHS AND YEAR ENDED JUNE 30, 2026

Shreveport, Louisiana , July 30, 2026 (GLOBE NEWSWIRE) -- Home Federal Bancorp, Inc. of Louisiana (the “Company”) (Nasdaq: HFBL), the holding company of Home Federal Bank, reported the highest annual earnings in the Company's history. The Company reported net income for the three months ended June 30, 2026, of $1.428 million compared to net income of $1.181 million reported for the three months ended June 30, 2025. The Company's basic and diluted earnings per share were $0.48 and $0.46, respectively, for the three months ended June 30, 2026, compared to $0.39 and $0.38, respectively, for the three months ended June 30, 2025. The Company reported net income of $6.174 million for the year ended June 30, 2026, compared to $3.888 million for the year ended June 30, 2025. The Company's basic and diluted earnings per share were $2.05 and $2.02, respectively, for the year ended June 30, 2026, compared to $1.27 and $1.26, respectively, for the year ended June 30, 2025.

Seeking Alpha·Jul 18, 2026
Dividend Champion, Contender, And Challenger Highlights: Week Of July 19

A weekly summary of dividend activity for Dividend Champions, Contenders, and Challengers. Companies that changed their dividends. Companies with upcoming ex-dividend dates.

GlobeNewsWire·Jul 16, 2026
Home Federal Bancorp, Inc. of Louisiana Increases Quarterly Cash Dividend for 13th Consecutive Year

SHREVEPORT, La., July 16, 2026 (GLOBE NEWSWIRE) -- Home Federal Bancorp, Inc. of Louisiana (the “Company”) (NASDAQ: HFBL), the holding company for Home Federal Bank, announced today that on July 16, 2026, its Board of Directors declared a quarterly cash dividend of $0.15 per share on the Company's common stock.

Filtered for Home Federal Bancorp, Inc. of LouisianaMore Headlines
04

Compare before deciding

Benchmark HFBL against direct peers instead of judging its metrics in isolation.

Peers Comparison

Key metrics vs top competitors for Home Federal Bancorp, Inc. of Louisiana (HFBL)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
HFBL logoHFBLHome Federal Bancorp, Inc. of LouisianaCurrent
$25.00$76.35M19.840.79%12.02%7.2%2.11%
HFWA logoHFWAHeritage Financial Corporation
$27.95$1.15B14.2613.51%23.17%7.69%—
CZWI logoCZWICitizens Community Bancorp, Inc.
$21.23$204.74M14.54-9.39%14.64%6.77%—
NBTB logoNBTBNBT Bancorp Inc.
$50.48$2.63B15.1614.54%22.65%11.26%—
HBCP logoHBCPHome Bancorp, Inc.
$67.17$528.5M11.4410.25%22.17%10.86%—
LADR logoLADRLadder Capital Corp
$9.07$1.15B17.78-23.26%13.74%3.57%—

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

05

Keep researching

Verify the primary filings, follow material updates, and answer the remaining questions.

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

Jul 30, 2026·SEC

Material company update

Jul 16, 2026·SEC

Material company update

Jul 2, 2026·SEC

10-K Annual Reports

2
FY 2025

Sep 26, 2025·SEC

FY 2024

Sep 30, 2024·SEC

10-Q Quarterly Reports

6
FY 2026

May 14, 2026·SEC

FY 2026

Feb 12, 2026·SEC

FY 2025

Nov 10, 2025·SEC

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HFBL Frequently Asked Questions

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

Growth & Financials
How fast is Home Federal Bancorp, Inc. of Louisiana growing?

Home Federal Bancorp, Inc. of Louisiana (HFBL) grew revenue by 0.8% over the past year. Growth has been modest.

Is HFBL profitable?

Yes, Home Federal Bancorp, Inc. of Louisiana (HFBL) is profitable, generating $5.9M in net income for fiscal year 2025 (12.0% net margin).

Dividend & Returns
Does HFBL pay dividends?

Yes, Home Federal Bancorp, Inc. of Louisiana (HFBL) pays a dividend with a yield of 2.11%. This makes it attractive for income-focused investors.

What is HFBL's return on equity?

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
What is Home Federal Bancorp, Inc. of Louisiana's net interest margin?

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

What is Home Federal Bancorp, Inc. of Louisiana's efficiency ratio?

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

What if you invested $1,000 in HFBL back in 2004?

Total return calculator · dividends reinvested · 22+ years of data

See returns →