Home Federal Bancorp, Inc. of Louisiana (HFBL) 10-Year Financial Performance & Capital Metrics

HFBL • • Banking & Credit

Financial ServicesRegional BanksCommunity & Regional Retail BankingSoutheast Community 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 Equity 7.2% +3.5%
Net Interest Margin 3.06% +3.1%
Efficiency Ratio 49.53% +1.3%
ROA 0.62% +12.7%
Equity / Assets 9.06% +9.4%
Book Value per Share 17.88 +4.4%
Tangible BV/Share 16.61 +5.3%
Debt/Equity 0.07 -45.3%

Technical Analysis

Key Insights

Based on financial 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 3.0%
✓Trading at only 1.0x book value

✗Weaknesses

No significant weaknesses identified

Price & Volume

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Growth Metrics

Revenue CAGR

10Y6.39%

5Y6.21%

3Y12.86%

TTM-

Profit (Net Income) CAGR

10Y1.49%

5Y0.2%

3Y-7.25%

TTM37.21%

EPS CAGR

10Y4.26%

5Y3.32%

3Y-3.68%

TTM34.86%

ROCE

10Y Avg9.88%

5Y Avg10.55%

3Y Avg9.55%

Latest8.04%

Peer Comparison

Southeast Community Banks

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
FFINFirst Financial Bankshares, Inc.	4.68B	32.65	20.93	18.79%	30.24%	14.14%	6.26%	0.12
FHNFirst Horizon Corporation	11.85B	24.44	17.97	4.71%	15.7%	9.58%	10.33%	0.50
AUBAtlantic Union Bankshares Corporation	5.47B	38.36	17.13	28.8%	15.53%	4.22%	5.51%	0.17
UCBUnited Community Banks, Inc.	4.09B	33.91	16.62	14.65%	17.05%	8.83%	7.4%	0.13
SNVSynovus Financial Corp.	6.95B	50.05	16.52	1.16%	14.09%	13.7%	11.01%	0.35
PNFPPinnacle Financial Partners, Inc.	14.67B	97.65	16.38	15.32%	16.65%	9.1%	5.5%	0.39
CADECadence Bank	8.27B	44.40	16.03	32.37%	18.03%	9.08%	9.39%	0.01
ABCBAmeris Bancorp	5.56B	81.41	15.69	9.75%	21.97%	9.91%	2.53%	0.11

Profit & Loss

	Jun 2016	Jun 2017	Jun 2018	Jun 2019	Jun 2020	Jun 2021	Jun 2022	Jun 2023	Jun 2024	Jun 2025
Net Interest Income+	12.85M	14.09M	14.93M	15.31M	15.18M	16.94M	17.36M	21.55M	18.95M	18.67M
NII Growth %	0.05%	0.1%	0.06%	0.03%	-0.01%	0.12%	0.02%	0.24%	-0.12%	-0.01%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	15.46M	16.89M	18.42M	19.85M	20.34M	20.25M	19.23M	26.63M	31.86M	30.46M
Interest Expense	2.61M	2.8M	3.5M	4.53M	5.15M	3.3M	1.88M	5.08M	12.91M	11.79M
Loan Loss Provision	271K	900K	1.05M	600K	1.89M	1.8M	336K	868K	40K	-126K
Non-Interest Income+	2.97M	3.57M	2.72M	2.1M	3.58M	5.09M	3.26M	1.9M	1.43M	1.87M
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	18.43M	20.46M	21.14M	21.94M	23.92M	25.33M	22.49M	28.53M	33.29M	32.33M
Revenue Growth %	0.06%	0.11%	0.03%	0.04%	0.09%	0.06%	-0.11%	0.27%	0.17%	-0.03%
Non-Interest Expense	10.53M	11.35M	10.78M	10.78M	12.07M	13.42M	14.28M	15.81M	16.27M	16.01M
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	5.02M	5.41M	5.82M	6.03M	4.81M	6.81M	6M	6.77M	4.07M	4.65M
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	0%	0.08%	0.08%	0.04%	-0.2%	0.42%	-0.12%	0.13%	-0.4%	0.14%
Pretax Income+	5.02M	5.41M	5.82M	6.03M	4.81M	6.81M	6M	6.77M	4.07M	4.65M
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	1.64M	1.76M	2.25M	1.28M	957K	1.45M	1.13M	1.07M	476K	766K
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	3.38M	3.65M	3.57M	4.74M	3.85M	5.37M	4.87M	5.7M	3.59M	3.89M
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	0.01%	0.08%	-0.02%	0.33%	-0.19%	0.39%	-0.09%	0.17%	-0.37%	0.08%
Net Income (Continuing)	3.38M	3.65M	3.57M	4.74M	3.85M	5.37M	4.87M	5.7M	3.59M	3.89M
EPS (Diluted)+	0.87	0.96	0.97	1.25	1.07	1.57	1.41	1.81	1.17	1.26
EPS Growth %	0.05%	0.1%	0.01%	0.29%	-0.14%	0.47%	-0.1%	0.28%	-0.35%	0.08%
EPS (Basic)	0.90	1.00	1.03	1.34	1.14	1.66	1.50	1.89	1.18	1.27
Diluted Shares Outstanding	3.88M	3.82M	3.69M	3.79M	3.59M	3.43M	3.46M	3.15M	3.08M	3.09M

Balance Sheet

	Jun 2016	Jun 2017	Jun 2018	Jun 2019	Jun 2020	Jun 2021	Jun 2022	Jun 2023	Jun 2024	Jun 2025
Cash & Short Term Investments+	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	4.76M	6.13M	7.07M	15.33M	36.8M	60.78M	42.25M	19.79M	15.25M	16.2M
Short Term Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Total Investments+	355.27M	391.69M	382.47M	399.75M	437.64M	435.08M	499.9M	603.47M	568.54M	558.77M
Investments Growth %	0.08%	0.1%	-0.02%	0.05%	0.09%	-0.01%	0.15%	0.21%	-0.06%	-0.02%
Long-Term Investments	305.1M	354.76M	353.14M	358.09M	395.58M	405.53M	471.8M	563.92M	541.5M	524.53M
Accounts Receivables	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	0	0	0	0	0	0	0	2.99M	2.99M	2.99M
Intangible Assets	0	0	0	0	0	0	0	1.53M	1.2M	915K
PP&E (Net)	12.37M	12.22M	12.24M	13.55M	13.23M	14.91M	16.25M	16.56M	18.3M	17.27M
Other Assets	7.3M	13.87M	17.63M	11.8M	27.93M	52.98M	29.81M	13.47M	28.28M	10.35M
Total Current Assets	55.95M	44.16M	37.54M	58.16M	80.72M	91.49M	71.48M	61.13M	44.06M	52.28M
Total Non-Current Assets	325.75M	382.45M	384.11M	384.29M	437.5M	474.24M	519M	599.78M	593.45M	557.21M
Total Assets+	381.7M	426.61M	421.65M	442.45M	518.22M	565.73M	590.48M	660.91M	637.51M	609.49M
Asset Growth %	0.03%	0.12%	-0.01%	0.05%	0.17%	0.09%	0.04%	0.12%	-0.04%	-0.04%
Return on Assets (ROA)	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%
Accounts Payable	0	0	0	0	0	0	0	0	0	0
Total Debt+	48.06M	48.91M	11.94M	1.8M	3.36M	3.27M	3.18M	8.55M	7M	4M
Net Debt	43.31M	42.78M	4.87M	-13.53M	-33.44M	-57.51M	-39.07M	-11.24M	-8.25M	-12.2M
Long-Term Debt	24.57M	11.91M	6.36M	1.06M	867K	832K	0	0	0	0
Short-Term Debt	23.5M	37M	5.58M	745K	2.49M	2.44M	3.18M	8.55M	7M	4M
Other Liabilities	716K	698K	725K	584K	522K	426K	354K	554K	3.7M	4M
Total Current Liabilities	313.03M	367.75M	367.53M	390.47M	466.3M	511.75M	537.78M	609.82M	581.01M	550.29M
Total Non-Current Liabilities	25.28M	12.61M	7.08M	1.64M	1.39M	1.26M	354K	554K	3.7M	4M
Total Liabilities	338.31M	380.36M	374.61M	392.11M	467.69M	513.01M	538.13M	610.37M	584.71M	554.29M
Total Equity+	43.39M	46.25M	47.04M	50.34M	50.53M	52.73M	52.35M	50.54M	52.8M	55.2M
Equity Growth %	0%	0.07%	0.02%	0.07%	0%	0.04%	-0.01%	-0.03%	0.04%	0.05%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	0.08%	0.08%	0.08%	0.1%	0.08%	0.1%	0.09%	0.11%	0.07%	0.07%
Book Value per Share	11.17	12.11	12.74	13.29	14.06	15.39	15.11	16.03	17.13	17.88
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	23K	23K	23K	23K	22K	34K	34K	31K	32K	32K
Additional Paid-in Capital	33.86M	34.52M	35.06M	35.91M	36.53M	37.58M	40.15M	40.98M	41.74M	42.19M
Retained Earnings	11.02M	13.32M	14.13M	15.37M	13.94M	15.59M	14.51M	12.71M	14.05M	15.24M
Accumulated OCI	84K	-352K	-1.05M	20K	915K	275K	-1.7M	-2.65M	-2.62M	-1.93M
Treasury Stock	0	0	0	0	0	0	0	0	0	0
Preferred Stock	0	0	0	0	0	0	0	0	0	0

Cash Flow

	Jun 2016	Jun 2017	Jun 2018	Jun 2019	Jun 2020	Jun 2021	Jun 2022	Jun 2023	Jun 2024	Jun 2025
Cash from Operations+	7.05M	3.38M	13.1M	4.8M	200K	8.33M	17.06M	12.11M	2.32M	5.47M
Operating CF Growth %	10.85%	-0.52%	2.88%	-0.63%	-0.96%	40.66%	1.05%	-0.29%	-0.81%	1.36%
Net Income	3.38M	3.65M	3.57M	4.74M	3.85M	5.37M	4.87M	5.7M	3.59M	0
Depreciation & Amortization	441K	505K	503K	536K	653K	665K	763K	869K	1.28M	0
Deferred Taxes	-151K	-393K	499K	-30K	92K	-61K	-324K	-174K	122K	0
Other Non-Cash Items	2.4M	-1.15M	7.93M	-1.09M	-4.68M	1.31M	10.78M	4.49M	-2.54M	5.21M
Working Capital Changes	189K	-85K	-27K	-29K	-360K	483K	294K	601K	-638K	257K
Cash from Investing+	-30.95M	-36.98M	-761K	-17.43M	-32.51M	-1.42M	-78.79M	-115.31M	34.48M	10.21M
Purchase of Investments	-17.57M	-27.68M	-8.89M	-18.5M	-21.5M	-52.89M	-44.1M	-22.18M	-2.67M	0
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	0
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	0	0	0	0	0	0	0	-10.24M	0	0
Other Investing	-22.66M	-22.85M	-6.51M	-7.33M	-36.94M	23.23M	-49.83M	-97.96M	18.75M	10.21M
Cash from Financing+	7.49M	40.76M	-8.38M	14.87M	69.07M	42.62M	21.41M	63.9M	-26.62M	-33.29M
Dividends Paid	-660K	-705K	-924K	-1.05M	-1.14M	-1.12M	-1.35M	-1.53M	-1.57M	-1.63M
Share Repurchases	-3.35M	-645K	-1.96M	-2.45M	-4.14M	-2.59M	-4.48M	-5.96M	-487K	-1.07M
Stock Issued	0	0	0	0	0	0	0	0	0	111K
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	1000K	842K	-1000K	-1000K	1000K	-93K	-85K	1000K	-1000K	-1000K
Other Financing	1.84M	41.27M	31.47M	28.5M	72.8M	46.43M	27.33M	66.02M	-23.01M	-27.7M
Net Change in Cash+	-16.41M	7.15M	3.96M	2.24M	36.76M	49.53M	-40.33M	-39.31M	10.18M	-17.6M
Exchange Rate Effect	0	0	0	0	0	0	0	0	0	0
Cash at Beginning	21.17M	4.76M	11.9M	15.87M	18.11M	54.87M	104.41M	64.08M	24.77M	34.95M
Cash at End	4.76M	11.9M	15.87M	18.11M	54.87M	104.41M	64.08M	24.77M	34.95M	17.35M
Interest Paid	2.61M	2.78M	3.48M	4.54M	5.16M	3.33M	1.89M	5.08M	12.91M	11.75M
Income Taxes Paid	1.76M	2.11M	1.58M	1.29M	760K	1.48M	1.11M	950K	680K	685K
Free Cash Flow+	4.43M	2.7M	12.59M	2.19M	-770K	5.98M	14.48M	10.92M	-368K	5.43M
FCF Growth %	2.56%	-0.39%	3.66%	-0.83%	-1.35%	8.76%	1.42%	-0.25%	-1.03%	15.74%

Banking Ratios

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Return on Equity (ROE)	7.78%	8.15%	7.65%	9.74%	7.63%	10.39%	9.28%	11.09%	6.95%	7.2%
Return on Assets (ROA)	0.9%	0.9%	0.84%	1.1%	0.8%	0.99%	0.84%	0.91%	0.55%	0.62%
Net Interest Margin	3.37%	3.3%	3.54%	3.46%	2.93%	2.99%	2.94%	3.26%	2.97%	3.06%
Efficiency Ratio	57.13%	55.46%	50.97%	49.15%	50.45%	52.97%	63.48%	55.42%	48.87%	49.53%
Equity / Assets	11.37%	10.84%	11.16%	11.38%	9.75%	9.32%	8.87%	7.65%	8.28%	9.06%
Book Value / Share	11.17	12.11	12.74	13.29	14.06	15.39	15.11	16.03	17.13	17.88
NII Growth	4.53%	9.66%	5.96%	2.59%	-0.86%	11.59%	2.46%	24.17%	-12.07%	-1.48%
Dividend Payout	19.54%	19.3%	25.9%	22.16%	29.66%	20.91%	27.77%	26.82%	43.67%	41.9%

Frequently Asked Questions

Valuation & Price

Home Federal Bancorp, Inc. of Louisiana (HFBL) has a price-to-earnings (P/E) ratio of 14.1x. This may indicate the stock is undervalued or faces growth challenges.

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 $4.5M 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 2.97%. 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.

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