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HFBLHome Federal Bancorp, Inc. of Louisiana
$23.00$70M
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
$23.00
At close - Nov 6, 4:00 PM EST - USD
Market Cap$70M
P/E10.9x
52W High$28.00
Volume1.39K
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.

GrowthAccelerating
ProfitabilityModerate
ValuationReview
TechnicalsMixed
Explore valuation models
MARKET ACTION

HFBL price & volume

Price trend, volume and key moving averages

Launch Terminal
Loading chart...
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

-26% Peers

P/E is 26% below peer median

03

Market leadership

RS 75 · Avg

Average momentum (RS Rating: 75)

04

Mixed Trend

Mixed

Price < 50DMA but > 200DMA

Next CatalystEstimated earnings · Jan 27

Market performance

Price History →

Trailing total returns as of 11/8/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).

YTD Return
HFBL+32.42%
S&P 500 (^GSPC)+7.63%
1-Year Return
HFBL+52.16%
S&P 500 (^GSPC)+9.69%
3-Year Return
HFBL+94.39%
S&P 500 (^GSPC)+71.82%
5-Year Return
HFBL+32.68%
S&P 500 (^GSPC)+59.33%
02

Test the fundamentals

Check whether operating performance supports the current valuation.

VALUATION & INTRINSIC VALUE

Valuation Scenarios

Valuation Analysis
Trailing P/E5Y High
10.9x
Forward P/E
N/A
EV/EBITDA60th %ile
4.6x
FCF YieldCash Flow
10.8%

Valuation vs 5-Year History

Multiple Range
Metric
Current
5Y Median
Historical Range
Percentile
P/E
10.9x
10.4x
80th· High
EV/EBITDA
4.6x
4.3x
60th· Fair
Price/FCF
9.2x
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 FY26
$24M+18.1% YoY
Net income FY26
$6M+58.8% YoY
Free cash flow FY26
$8M+40.4% YoY
Operating margin FY26
32.1%+9.4 pts YoY
ROIC (FY26)9.6%
Avg ROIC 5Y7.5%
ROE (TTM)11.1%
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)
Q4 2026Latest
Oct 27, 2026
$0.62
vs —
$9M
vs —
Q3 2026
Jul 30, 2026
$0.46
vs —
$9M
vs —
Q2 2026
Apr 30, 2026
$0.48
vs —
$8M
vs —
Q1 2026
Jan 28, 2026
$0.54
vs —
$8M
vs —
Historical baseline: 12 quarters analyzedGAAP / Adjusted
MARKET COVERAGE

Latest News

4 Stories
GlobeNewsWire·Oct 27, 2026
HOME FEDERAL BANCORP, INC. OF LOUISIANA REPORTS RESULTS OF OPERATIONS FOR THE THREE MONTHS ENDED SEPTEMBER 30, 2026

Shreveport, Louisiana, Oct. 27, 2026 (GLOBE NEWSWIRE) -- Home Federal Bancorp, Inc. of Louisiana (the “Company”) (Nasdaq: HFBL), the holding company of Home Federal Bank, reported net income for the Three months ended September 30, 2026 of $1.911 million compared to net income of $1.599 million reported for the three months ended September 30, 2025. The Company's basic and diluted earnings per share were $0.64 and $0.62, respectively, for the three months ended September 30, 2026 compared to $0.53 and $0.52, respectively, for the three months ended September 30, 2025.

GlobeNewsWire·Oct 21, 2026
Home Federal Bancorp, Inc. of Louisiana Declares Quarterly Cash Dividend

SHREVEPORT, La., Oct. 21, 2026 (GLOBE NEWSWIRE) -- Home Federal Bancorp, Inc. of Louisiana (the “Company”) (NASDAQ: HFBL), the holding company for Home Federal Bank, announced today that on October 21, 2026, its Board of Directors declared a quarterly cash dividend of $0.15 per share on the Company's common stock. The dividend is payable on November 16, 2026, to the shareholders of record at the close of business on November 2, 2026.

Defense World·Oct 18, 2026
Head to Head Comparison: Hawthorn Bancshares (NASDAQ:HWBK) versus Home Federal Bancorp, Inc. of Louisiana (NASDAQ:HFBL)

Home Federal Bancorp, Inc. of Louisiana (NASDAQ: HFBL - Get Free Report) and Hawthorn Bancshares (NASDAQ: HWBK - Get Free Report) are both small-cap finance companies, but which is the better business? We will compare the two companies based on the strength of their dividends, analyst recommendations, risk, profitability, institutional ownership, valuation and earnings. Earnings and Valuation

Defense World·Oct 11, 2026
Home Federal Bancorp, Inc. of Louisiana (NASDAQ:HFBL) and Univest Corporation of Pennsylvania (NASDAQ:UVSP) Head-To-Head Review

Univest Corporation of Pennsylvania (NASDAQ: UVSP - Get Free Report) and Home Federal Bancorp, Inc. of Louisiana (NASDAQ: HFBL - Get Free Report) are both small-cap finance companies, but which is the better business? We will compare the two businesses based on the strength of their risk, valuation, institutional ownership, earnings, dividends, profitability and analyst recommendations. Insider

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
$23.00$70.24M10.8918.1%26.93%11.12%2.36%
HFWA logoHFWAHeritage Financial Corporation
$28.39$1.17B15.1113.51%28.67%7.32%3.34%
CZWI logoCZWICitizens Community Bancorp, Inc.
$23.38$225.48M16.12-9.39%28.36%7.64%1.59%
NBTB logoNBTBNBT Bancorp Inc.
$52.83$2.75B12.6814.54%28.98%11.31%2.7%
HBCP logoHBCPHome Bancorp, Inc.
$60.94$479.48M10.7910.25%28.49%9.96%1.88%
LADR logoLADRLadder Capital Corp
$8.91$1.13B11.25-23.26%25.79%6.81%10.44%

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 10.9% over the trailing twelve months, compared with the twelve months before.

Is HFBL profitable?

Yes. Home Federal Bancorp, Inc. of Louisiana (HFBL) earned $6.5M in net income over the trailing twelve months (a 26.9% net margin).

Dividend & Returns
Does HFBL pay dividends?

Yes. Home Federal Bancorp, Inc. of Louisiana (HFBL) pays a dividend that yields 2.36% at the current price, a moderate yield.

What is HFBL's return on equity?

Home Federal Bancorp, Inc. of Louisiana (HFBL) had a return on equity (ROE) of 11.1% over the trailing twelve months. That is in line with the market's typical 10-15%.

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 3.4%. 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 65.5%. This is higher than peers, suggesting room for cost optimization.

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

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

See returns →