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6Apr 30, 2026·SEC
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Home Federal Bancorp, Inc. of Louisiana (HFBL) fundamental analysis — strengths, weaknesses & financial health based on data analysis
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
Home Federal Bancorp, Inc. of Louisiana (HFBL) stock price & volume — 10-year historical chart
Home Federal Bancorp, Inc. of Louisiana (HFBL) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Home Federal Bancorp, Inc. of Louisiana (HFBL) competitors in Community and retail regional banks — business model, growth, and fundamentals comparison
Home Federal Bancorp, Inc. of Louisiana (HFBL) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Home Federal Bancorp, Inc. of Louisiana (HFBL) annual income statement — 10-year revenue, gross profit & net income history
| Line item | Jun'17 | Jun'18 | Jun'19 | Jun'20 | Jun'21 | Jun'22 | Jun'23 | Jun'24 | Jun'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 14.09M | 14.93M | 15.31M | 15.18M | 16.94M | 17.36M | 21.55M | 18.95M | 18.67M | 20.28M |
| 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 Income | 16.89M | 18.42M | 19.85M | 20.34M | 20.25M | 19.23M | 26.63M | 31.86M | 30.46M | 31.14M |
| Interest Expense | 2.8M | 3.5M | 4.53M | 5.15M | 3.3M | 1.88M | 5.08M | 12.91M | 11.79M | 10.85M |
| Loan Loss Provision | 900K | 1.05M | 600K | 1.89M | 1.8M | 336K | 868K | 40K | -126K | 204K |
| Non-Interest Income | 3.57M | 2.72M | 2.1M | 3.58M | 5.09M | 3.26M | 1.9M | 1.43M | 1.87M | 2.09M |
| 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 Expense | 11.35M | 10.78M | 10.78M | 12.07M | 13.42M | 14.28M | 15.81M | 16.27M | 16.01M | 15.53M |
| Efficiency Ratio | 55.46% | 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 Tax | 1.76M | 2.25M | 1.28M | 957K | 1.45M | 1.13M | 1.07M | 476K | 766K | 1.44M |
| 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) | 3.65M | 3.57M | 4.74M | 3.85M | 5.37M | 4.87M | 5.7M | 3.59M | 3.89M | 5.2M |
| 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) | 1.00 | 1.03 | 1.34 | 1.14 | 1.66 | 1.50 | 1.89 | 1.18 | 1.27 | - |
| Diluted Shares Outstanding | 3.82M | 3.69M | 3.79M | 3.59M | 3.43M | 3.46M | 3.15M | 3.08M | 3.09M | 3.1M |
Home Federal Bancorp, Inc. of Louisiana (HFBL) balance sheet — assets, liabilities & shareholders' equity
| Line item | Jun'17 | Jun'18 | Jun'19 | Jun'20 | Jun'21 | Jun'22 | Jun'23 | Jun'24 | Jun'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 43.06M | 36.39M | 56.99M | 78.86M | 90.33M | 70.35M | 59.34M | 42.28M | 50.44M | 160.24M |
| Cash & Due from Banks | 6.13M | 7.07M | 15.33M | 36.8M | 60.78M | 42.25M | 19.79M | 15.25M | 16.2M | 19.27M |
| Short Term Investments | 36.94M | 29.32M | 41.66M | 42.06M | 29.55M | 28.1M | 39.55M | 27.04M | 34.25M | 1.25M |
| Total Investments | 391.69M | 382.47M | 399.75M | 437.64M | 435.08M | 499.9M | 603.47M | 568.54M | 558.77M | 569.73M |
| Investments Growth % | 10.25% | -2.36% | 4.52% | 9.48% | -0.59% | 14.9% | 20.72% | -5.79% | -1.72% | -5% |
| Long-Term Investments | 354.76M | 353.14M | 358.09M | 395.58M | 405.53M | 471.8M | 563.92M | 541.5M | 524.53M | 2.18B |
| Accounts Receivables | 1.09M | 1.15M | 1.17M | 1.86M | 1.16M | 1.12M | 1.79M | 1.77M | 1.84M | 1.87M |
| Goodwill & Intangibles | 0 | 0 | 0 | 0 | 0 | 0 | 4.52M | 4.19M | 3.9M | 3.77M |
| Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 2.99M | 2.99M | 2.99M | 2.99M |
| Intangible Assets | 0 | 0 | 0 | 0 | 0 | 0 | 1.53M | 1.2M | 915K | 784K |
| PP&E (Net) | 12.22M | 12.24M | 13.55M | 13.23M | 14.91M | 16.25M | 16.56M | 18.3M | 17.27M | 16.75M |
| Other Assets | 13.87M | 17.63M | 11.8M | 27.93M | 52.98M | 29.81M | 13.47M | 28.28M | 10.35M | 9.07M |
| Total Current Assets | 44.16M | 37.54M | 58.16M | 80.72M | 91.49M | 71.48M | 61.13M | 44.06M | 52.28M | 22.39M |
| Total Non-Current Assets | 382.45M | 384.11M | 384.29M | 437.5M | 474.24M | 519M | 599.78M | 593.45M | 557.21M | 599.06M |
| 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 Payable | 0 | 0 | 0 | 0 | 0 | 2.61M | 0 | 0 | 0 | 0 |
| Total Debt | 48.91M | 11.94M | 1.8M | 3.36M | 3.27M | 3.18M | 8.55M | 7M | 4M | 4M |
| Net Debt | 42.78M | 4.87M | -13.53M | -33.44M | -57.51M | -39.07M | -11.24M | -8.25M | -12.2M | -15.27M |
| Long-Term Debt | 11.91M | 6.36M | 1.06M | 867K | 832K | 0 | 0 | 0 | 0 | 4M |
| Short-Term Debt | 37M | 5.58M | 745K | 2.49M | 2.44M | 3.18M | 8.55M | 7M | 4M | 0 |
| Other Liabilities | 698K | 725K | 584K | 522K | 426K | -2.25M | 554K | 3.7M | 4M | 4.82M |
| Total Current Liabilities | 367.75M | 367.53M | 390.47M | 466.3M | 511.75M | 540.38M | 609.82M | 581.01M | 550.29M | 554.88M |
| Total Non-Current Liabilities | 12.61M | 7.08M | 1.64M | 1.39M | 1.26M | -2.25M | 554K | 3.7M | 4M | 8.82M |
| Total Liabilities | 380.36M | 374.61M | 392.11M | 467.69M | 513.01M | 538.13M | 610.37M | 584.71M | 554.29M | 563.7M |
| 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 Share | 12.11 | 12.74 | 13.29 | 14.06 | 15.39 | 15.11 | 16.03 | 17.13 | 17.88 | 18.62 |
| Tangible BV per Share | 12.11 | 12.74 | 13.29 | 14.06 | 15.39 | 15.11 | 14.60 | 15.77 | 16.61 | 17.40 |
| Common Stock | 23K | 23K | 23K | 22K | 34K | 34K | 31K | 32K | 32K | 34K |
| Additional Paid-in Capital | 34.52M | 35.06M | 35.91M | 36.53M | 37.7M | 40.15M | 40.98M | 41.74M | 42.19M | 43.98M |
| Retained Earnings | 13.32M | 14.13M | 15.37M | 13.94M | 15.47M | 14.51M | 12.71M | 14.05M | 15.24M | 15.41M |
| Accumulated OCI | -352K | -1.05M | 20K | 915K | 275K | -1.7M | -2.65M | -2.62M | -1.93M | -1.38M |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Home Federal Bancorp, Inc. of Louisiana (HFBL) cash flow — operating, investing & free cash flow history
| Line item | Jun'17 | Jun'18 | Jun'19 | Jun'20 | Jun'21 | Jun'22 | Jun'23 | Jun'24 | Jun'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 3.38M | 13.1M | 4.8M | 200K | 8.33M | 17.06M | 12.11M | 2.32M | 5.47M | 5.47M |
| Operating CF Growth % | -52.14% | 288.27% | -63.4% | -95.83% | 4066% | 104.74% | -29.04% | -80.85% | 136.07% | 250.59% |
| Net Income | 3.65M | 3.57M | 4.74M | 3.85M | 5.37M | 4.87M | 5.7M | 3.59M | 3.89M | 5.2M |
| Depreciation & Amortization | 505K | 503K | 536K | 653K | 665K | 763K | 869K | 1.28M | 1.37M | 1.1M |
| Deferred Taxes | -393K | 499K | -30K | 92K | -61K | -324K | -174K | 122K | -163K | 205K |
| Other Non-Cash Items | -1.15M | 7.93M | -1.09M | -4.68M | 1.31M | 10.78M | 4.49M | -2.54M | -301K | 695K |
| Working Capital Changes | -85K | -27K | -29K | -360K | 483K | 294K | 601K | -638K | 257K | 629K |
| Cash from Investing | -36.98M | -761K | -17.43M | -32.51M | -1.42M | -78.79M | -115.31M | 34.48M | 10.21M | -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 Investments | 14.22M | 15.16M | 11.01M | 26.9M | 30.59M | 17.72M | 16.25M | 21.09M | 12.01M | 9.04M |
| Net Investment Activity | -13.47M | 6.27M | -7.49M | 5.4M | -22.3M | -26.39M | -5.93M | 18.42M | -690K | -1.34M |
| Acquisitions | 0 | 0 | 0 | 0 | 0 | 0 | -10.24M | 0 | 0 | 0 |
| Other Investing | -22.85M | -6.51M | -7.33M | -36.94M | 23.23M | -49.83M | -97.96M | 18.75M | 10.95M | -12.39M |
| Cash from Financing | 40.76M | -8.38M | 14.87M | 69.07M | 42.62M | 21.41M | 63.9M | -26.62M | -33.29M | 5.48M |
| 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 Issued | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 111K | 1.57M |
| 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 | -1000K | 1000K | -93K | -85K | 1000K | -1000K | -1000K | 1000K |
| Other Financing | 41.27M | 31.47M | 28.5M | 72.8M | 46.43M | 27.33M | 66.02M | -23.01M | -27.7M | 5.57M |
| 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 Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 4.76M | 11.9M | 15.87M | 18.11M | 54.87M | 104.41M | 64.08M | 24.77M | 34.95M | 26.49M |
| Cash at End | 11.9M | 15.87M | 18.11M | 54.87M | 104.41M | 64.08M | 24.77M | 34.95M | 17.35M | 19.27M |
| Interest Paid | 2.78M | 3.48M | 4.54M | 5.16M | 3.33M | 1.89M | 5.08M | 12.91M | 11.75M | 10.79M |
| Income Taxes Paid | 2.11M | 1.58M | 1.29M | 760K | 1.48M | 1.11M | 950K | 680K | 685K | 1.07M |
| 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% |
Home Federal Bancorp, Inc. of Louisiana (HFBL) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| 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 Margin | 3.3% | 3.54% | 3.46% | 2.93% | 2.99% | 2.94% | 3.26% | 2.97% | 3.06% | 3.26% |
| Efficiency Ratio | 55.46% | 50.97% | 49.15% | 50.45% | 52.97% | 63.48% | 55.42% | 48.87% | 49.53% | 46.74% |
| Equity / Assets | 10.84% | 11.16% | 11.38% | 9.75% | 9.32% | 8.87% | 7.65% | 8.28% | 9.06% | 9.29% |
| Book Value / Share | 12.11 | 12.74 | 13.29 | 14.06 | 15.39 | 15.11 | 16.03 | 17.13 | 17.88 | 18.62 |
| NII Growth | 9.66% | 5.96% | 2.59% | -0.86% | 11.59% | 2.46% | 24.17% | -12.07% | -1.48% | 14.01% |
| Dividend Payout | 19.3% | 25.9% | 22.16% | 29.66% | 20.91% | 27.77% | 26.82% | 43.67% | 41.9% | 31.64% |
Home Federal Bancorp, Inc. of Louisiana (HFBL) SEC filings — annual & quarterly reports (10-K, 10-Q)
Apr 30, 2026·SEC
Apr 15, 2026·SEC
Jan 28, 2026·SEC
Home Federal Bancorp, Inc. of Louisiana (HFBL) stock FAQ — growth, dividends, profitability & financials explained
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).
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.
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.
Home Federal Bancorp, Inc. of Louisiana (HFBL) financial analysis — history, returns, DCA and operating performance tools
Historical returns with dividends reinvested
Dollar cost averaging vs lump sum
Yield, growth, payout safety & DRIP
EPS trends, net income & profitability
Long-term charts & historical price data
Sales growth patterns & revenue breakdown
30 years of market, efficiency and balance-sheet ratios
DCF intrinsic value, peer multiples & estimates