Home Federal Bancorp, Inc. of Louisiana (HFBL) Financial Ratios
22 years of historical data (2004–2025) · Financial Services · Banks - Regional
EV/EBITDA
↑
7.98
↑+101% vs avg
5yr avg: 3.98
30Y Low1.2·High59.7
P/FCF
↓
11.11
↑+61% vs avg
5yr avg: 6.92
30Y Low4.1·High179.9
P/B Ratio
↓
1.10
+12% vs avg
5yr avg: 0.97
30Y Low0.7·High1.3
ROE
↓
7.2%
-20% vs avg
5yr avg: 9.0%
30Y Low-0%·High11%
Debt/EBITDA
↑
0.66
↓-17% vs avg
5yr avg: 0.80
30Y Low0.3·High42.9
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
HFBL Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Home Federal Bancorp, Inc. of Louisiana trades at 15.6x earnings, 42% above its 5-year average of 10.9x, sitting at the 65th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.1x, the stock trades at a premium of 18%. On a free-cash-flow basis, the stock trades at 11.1x P/FCF, 61% above the 5-year average of 6.9x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $60M | $42M | $35M | $44M | $68M | $67M | $45M | $63M | $58M | $51M | $42M |
| Enterprise Value | $48M | $30M | $27M | $33M | $29M | $9M | $11M | $49M | $63M | $94M | $85M |
| P/E Ratio → | 15.56 | 10.79 | 9.80 | 7.76 | 13.94 | 12.42 | 11.59 | 13.30 | 16.22 | 14.04 | 12.33 |
| P/S Ratio | 1.86 | 1.30 | 1.06 | 1.55 | 3.03 | 2.64 | 1.86 | 2.87 | 2.75 | 2.52 | 2.26 |
| P/B Ratio | 1.10 | 0.76 | 0.67 | 0.88 | 1.30 | 1.27 | 0.88 | 1.25 | 1.24 | 1.11 | 0.96 |
| P/FCF | 11.11 | 7.74 | — | 4.05 | 4.70 | 11.18 | — | 28.83 | 4.61 | 19.04 | 9.40 |
| P/OCF | 11.01 | 7.67 | 15.25 | 3.66 | 3.99 | 8.02 | 222.88 | 13.13 | 4.43 | 15.25 | 5.91 |
P/E links to full P/E history page with 30-year chart
HFBL EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Home Federal Bancorp, Inc. of Louisiana's enterprise value stands at 8.0x EBITDA, 101% above its 5-year average of 4.0x. The Financial Services sector median is 11.5x, placing the stock at a 30% discount on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 0.92 | 0.81 | 1.16 | 1.29 | 0.37 | 0.47 | 2.25 | 2.98 | 4.61 | 4.61 |
| EV / EBITDA | 7.98 | 4.95 | 5.07 | 4.32 | 4.30 | 1.24 | 2.04 | 7.54 | 9.96 | 15.94 | 15.56 |
| EV / EBIT | 10.33 | 6.40 | 6.66 | 4.88 | 4.84 | 1.37 | 2.32 | 8.21 | 10.82 | 17.42 | 16.92 |
| EV / FCF | — | 5.49 | — | 3.02 | 2.01 | 1.56 | — | 22.64 | 5.00 | 34.86 | 19.17 |
HFBL Profitability
Margins and return-on-capital ratios measuring operating efficiency
Home Federal Bancorp, Inc. of Louisiana earns an operating margin of 14.4%, below the Financial Services sector average of 21.6%. Operating margins have compressed from 23.7% to 14.4% over the past 3 years, signaling potential cost pressures or competitive headwinds. ROE of 7.2% is modest, trailing the sector median of 9.4%. ROIC of 5.9% represents adequate returns on invested capital versus a sector median of 5.7%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 63.9% | 63.9% | 61.2% | 79.2% | 90.2% | 79.9% | 70.5% | 76.6% | 78.5% | 81.9% | 84.4% |
| Operating Margin | 14.4% | 14.4% | 12.2% | 23.7% | 26.7% | 26.9% | 20.1% | 27.5% | 27.5% | 26.4% | 27.2% |
| Net Profit Margin | 12.0% | 12.0% | 10.8% | 20.0% | 21.7% | 21.2% | 16.1% | 21.6% | 16.9% | 17.9% | 18.3% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 7.2% | 7.2% | 7.0% | 11.1% | 9.3% | 10.4% | 7.6% | 9.7% | 7.6% | 8.1% | 7.8% |
| ROA | 0.6% | 0.6% | 0.6% | 0.9% | 0.8% | 1.0% | 0.8% | 1.1% | 0.8% | 0.9% | 0.9% |
| ROIC | 5.9% | 5.9% | 5.1% | 8.9% | 8.1% | 9.3% | 6.8% | 8.1% | 5.7% | 4.3% | 4.3% |
| ROCE | 8.0% | 8.0% | 7.6% | 13.4% | 11.5% | 12.9% | 9.3% | 11.4% | 10.3% | 8.5% | 6.6% |
HFBL Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Home Federal Bancorp, Inc. of Louisiana carries a Debt/EBITDA ratio of 0.7x, which is very conservative (84% below the sector average of 4.1x). The company holds a net cash position — cash of $16M exceeds total debt of $4M, providing substantial financial flexibility for buybacks, acquisitions, or weathering downturns. Interest coverage of just 0.4x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.07 | 0.07 | 0.13 | 0.17 | 0.06 | 0.06 | 0.07 | 0.04 | 0.25 | 1.06 | 1.11 |
| Debt / EBITDA | 0.66 | 0.66 | 1.31 | 1.12 | 0.47 | 0.44 | 0.62 | 0.28 | 1.89 | 8.27 | 8.80 |
| Net Debt / Equity | — | -0.22 | -0.16 | -0.22 | -0.75 | -1.09 | -0.66 | -0.27 | 0.10 | 0.92 | 1.00 |
| Net Debt / EBITDA | -2.03 | -2.03 | -1.54 | -1.47 | -5.78 | -7.69 | -6.12 | -2.06 | 0.77 | 7.23 | 7.93 |
| Debt / FCF | — | -2.25 | — | -1.03 | -2.70 | -9.62 | — | -6.19 | 0.39 | 15.82 | 9.77 |
| Interest Coverage | 0.39 | 0.39 | 0.32 | 1.33 | 3.20 | 2.06 | 0.93 | 1.33 | 1.67 | 1.93 | 1.92 |
Net cash position: cash ($16M) exceeds total debt ($4M)
HFBL Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.10x is below 1.0, meaning current liabilities exceed current assets.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.10 | 0.10 | 0.08 | 0.10 | 0.13 | 0.18 | 0.17 | 0.15 | 0.10 | 0.12 | 0.18 |
| Quick Ratio | 0.10 | 0.10 | 0.08 | 0.10 | 0.13 | 0.18 | 0.17 | 0.15 | 0.10 | 0.12 | 0.18 |
| Cash Ratio | 0.03 | 0.03 | 0.03 | 0.03 | 0.08 | 0.12 | 0.08 | 0.04 | 0.02 | 0.02 | 0.02 |
| Asset Turnover | — | 0.05 | 0.05 | 0.04 | 0.04 | 0.04 | 0.05 | 0.05 | 0.05 | 0.05 | 0.05 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
HFBL Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Home Federal Bancorp, Inc. of Louisiana returns 4.5% to shareholders annually — split between a 2.7% dividend yield and 1.8% buyback yield. A payout ratio of 41.9% is moderate and appears sustainable, balancing shareholder returns with reinvestment capacity. The earnings yield of 6.4% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 2.7% | 3.9% | 4.4% | 3.5% | 2.0% | 1.7% | 2.6% | 1.7% | 1.6% | 1.4% | 1.6% |
| Payout Ratio | 41.9% | 41.9% | 43.7% | 26.8% | 27.8% | 20.9% | 29.7% | 22.2% | 25.9% | 19.3% | 19.5% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 6.4% | 9.3% | 10.2% | 12.9% | 7.2% | 8.1% | 8.6% | 7.5% | 6.2% | 7.1% | 8.1% |
| FCF Yield | 9.0% | 12.9% | — | 24.7% | 21.3% | 8.9% | — | 3.5% | 21.7% | 5.3% | 10.6% |
| Buyback Yield | 1.8% | 2.6% | 1.4% | 13.5% | 6.6% | 3.9% | 9.3% | 3.9% | 3.4% | 1.3% | 8.0% |
| Total Shareholder Yield | 4.5% | 6.4% | 5.8% | 16.9% | 8.6% | 5.6% | 11.9% | 5.6% | 5.0% | 2.6% | 9.6% |
| Shares Outstanding | — | $3M | $3M | $3M | $3M | $3M | $4M | $4M | $4M | $4M | $4M |
Peer Comparison
Compare HFBL with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 HFBLYou | $60M | 15.6 | 8.0 | 11.1 | 63.9% | 14.4% | 7.2% | 5.9% | 0.7 |
 HFWA | $932M | 14.0 | 11.6 | 10.9 | 72.4% | 23.2% | 7.6% | 5.2% | 0.5 |
 CZWI | $203M | 14.4 | 15.3 | 19.6 | 54.7% | 7.0% | 7.9% | 2.0% | 5.8 |
 NBTB | $2B | 13.5 | 10.4 | 10.7 | 72.1% | 25.3% | 9.9% | 7.9% | 1.4 |
 HBCP | $512M | 11.1 | 7.4 | 11.5 | 70.5% | 27.7% | 11.1% | 7.7% | 1.0 |
 LADR | $1B | 20.1 | 17.3 | 15.0 | 71.8% | 62.0% | 4.3% | 4.4% | 12.7 |
 AROW | $612M | 14.0 | 11.1 | 16.9 | 65.3% | 22.8% | 10.6% | 9.3% | 0.5 |
 BFST | $902M | 9.9 | 8.7 | 9.8 | 60.9% | 22.2% | 10.4% | 6.2% | 4.6 |
 FFIN | $5B | 20.8 | 14.2 | 15.7 | 70.8% | 36.8% | 14.4% | 11.0% | 0.7 |
 FNF | $14B | 22.7 | 7.0 | 2.1 | 98.2% | 9.9% | 6.9% | 10.1% | 2.1 |
 FAF | $7B | 11.6 | 7.3 | 9.4 | 95.6% | 11.1% | 11.9% | 10.7% | 1.8 |
| Financial Services Median | — | 13.1 | 11.5 | 10.6 | 63.6% | 21.6% | 9.4% | 5.7% | 4.1 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
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Includes 30+ ratios · 22 years · Updated daily
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Start ComparisonHFBL — Frequently Asked Questions
Quick answers to the most common questions about buying HFBL stock.
What is Home Federal Bancorp, Inc. of Louisiana's P/E ratio?
Home Federal Bancorp, Inc. of Louisiana's current P/E ratio is 15.6x. The historical average is 21.6x. This places it at the 65th percentile of its historical range.
What is Home Federal Bancorp, Inc. of Louisiana's EV/EBITDA?
Home Federal Bancorp, Inc. of Louisiana's current EV/EBITDA is 8.0x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 18.2x.
What is Home Federal Bancorp, Inc. of Louisiana's ROE?
Home Federal Bancorp, Inc. of Louisiana's return on equity (ROE) is 7.2%. The historical average is 6.1%.
Is HFBL stock overvalued?
Based on historical data, Home Federal Bancorp, Inc. of Louisiana is trading at a P/E of 15.6x. This is at the 65th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is Home Federal Bancorp, Inc. of Louisiana's dividend yield?
Home Federal Bancorp, Inc. of Louisiana's current dividend yield is 2.69% with a payout ratio of 41.9%.
What are Home Federal Bancorp, Inc. of Louisiana's profit margins?
Home Federal Bancorp, Inc. of Louisiana has 63.9% gross margin and 14.4% operating margin. Operating margin between 10-20% is typical for established companies.
How much debt does Home Federal Bancorp, Inc. of Louisiana have?
Home Federal Bancorp, Inc. of Louisiana's Debt/EBITDA ratio is 0.7x, indicating low leverage. A ratio below 2x is generally considered financially healthy.