Net interest income grew to $5.4M by 2026Q3, though core profitability remains constrained by a stagnant net interest margin that has hovered between 0.7% and 0.9% over the last ten quarters.
Home Federal Bancorp, Inc. of Louisiana (HFBL) annual income statement — 23-year revenue, gross profit & net income history
| Metric | TTM | Jun'26 | Jun'25 | Jun'24 | Jun'23 | Jun'22 | Jun'21 | Jun'20 | Jun'19 | Jun'18 | Jun'17 | Jun'16 | Jun'15 | Jun'14 | Jun'13 | Jun'12 | Jun'11 | Jun'10 | Jun'09 | Jun'08 | Jun'07 | Jun'06 | Jun'05 | Jun'04 |
|---|
| Net Interest Income | 22.43M | 21.79M | 18.67M | 18.95M | 21.55M | 17.36M | 16.94M | 15.18M | 15.31M | 14.93M | 14.09M | 12.85M | 12.29M | 10.84M | 10.57M | 9.67M | 7.11M | 5.71M | 3.76M | 3.04M | 3.14M | 3.23M | 3.03M | 2.99M |
| NII Growth % | 60.32% | 16.7% | -1.48% | -12.07% | 24.17% | 2.46% | 11.59% | -0.86% | 2.59% | 5.96% | 9.66% | 4.53% | 13.42% | 2.48% | 9.34% | 36.01% | 24.51% | 51.97% | 23.78% | -3.37% | -2.75% | 6.49% | 1.43% | - |
| Net Interest Margin % | 3.42% | 3.39% | 3.06% | 2.97% | 3.26% | 2.94% | 2.99% | 2.93% | 3.46% | 3.54% | 3.3% | 3.37% | 3.32% | 3.29% | 3.82% | 3.27% | 3.05% | 3.08% | 2.43% | 2.2% | 2.65% | 2.83% | 2.73% | 3.13% |
| Interest Income | 33.19M | 32.5M | 30.46M | 31.86M | 26.63M | 19.23M | 20.25M | 20.34M | 19.85M | 18.42M | 16.89M | 15.46M | 14.77M | 13.17M | 13.15M | 12.72M | 10.3M | 9.17M | 7.6M | 7M | 6.59M | 5.66M | 5.06M | 5.15M |
| Interest Expense | 10.75M | 10.71M | 11.79M | 12.91M | 5.08M | 1.88M | 3.3M | 5.15M | 4.53M | 3.5M | 2.8M | 2.61M | 2.48M | 2.34M | 2.58M | 3.05M | 3.19M | 3.46M | 3.84M | 3.97M | 3.45M | 2.43M | 2.03M | 2.16M |
| Loan Loss Provision | 557K | 594K | -126K | 40K | 868K | 336K | 1.8M | 1.89M | 600K | 1.05M | 900K | 271K | 300K | 168K | 558K | 856K | 353K | 36K | 240K | 0 | 0 | 0 | 0 | 0 |
| Non-Interest Income | 1.65M | 2.47M | 1.87M | 1.43M | 1.9M | 3.26M | 5.09M | 3.58M | 2.1M | 2.72M | 3.57M | 2.97M | 2.63M | 2.21M | 3.3M | 3.18M | 2.63M | 1.49M | 363K | 198K | 240K | 144K | 386.71K | 321.32K |
| Non-Interest Income % | 6.87% | 10.19% | 9.11% | 7.01% | 8.09% | 15.8% | 23.09% | 19.09% | 12.03% | 15.41% | 20.2% | 18.79% | 17.62% | 16.93% | 23.78% | 24.74% | 27% | 20.7% | 8.81% | 6.12% | 7.1% | 4.27% | 11.31% | 9.7% |
| Total Net Revenue | 24.09M | 24.26M | 20.54M | 20.38M | 23.45M | 20.61M | 22.03M | 18.76M | 17.41M | 17.65M | 17.66M | 15.82M | 14.92M | 13.04M | 13.88M | 12.85M | 9.74M | 7.2M | 4.12M | 3.23M | 3.38M | 3.38M | 3.42M | 3.31M |
| Revenue Growth % | 10.92% | 18.1% | 0.79% | -13.09% | 13.76% | -6.42% | 17.39% | 7.78% | -1.35% | -0.05% | 11.59% | 6.04% | 14.37% | -5.98% | 7.97% | 31.93% | 35.25% | 74.76% | 27.43% | -4.38% | 0.21% | -1.34% | 3.27% | - |
| Non-Interest Expense | 15.98M | 15.88M | 16.01M | 16.27M | 15.81M | 14.28M | 13.42M | 12.07M | 10.78M | 10.78M | 11.35M | 10.53M | 9.6M | 8.8M | 8.56M | 8.03M | 6.51M | 5.82M | 3.11M | 3.36M | 2.42M | 2.41M | 2.12M | 2.08M |
| Efficiency Ratio | 66.35% | 65.46% | 77.96% | 79.84% | 67.43% | 69.26% | 60.91% | 64.3% | 61.94% | 61.07% | 64.26% | 66.55% | 64.37% | 67.47% | 61.69% | 62.45% | 66.85% | 80.85% | 75.54% | 103.87% | 71.5% | 71.53% | 61.95% | 62.79% |
| Operating Income | 7.55M | 7.79M | 4.65M | 4.07M | 6.77M | 6M | 6.81M | 4.81M | 6.03M | 5.82M | 5.41M | 5.02M | 5.02M | 4.08M | 4.76M | 3.97M | 2.88M | 1.34M | 768K | -125K | 964K | 961.09K | 1.3M | 1.23M |
| Operating Margin % | 31.34% | 32.09% | 22.66% | 19.97% | 28.87% | 29.11% | 30.92% | 25.62% | 34.61% | 32.98% | 30.64% | 31.74% | 33.62% | 31.25% | 34.29% | 30.89% | 29.52% | 18.65% | 18.64% | -3.87% | 28.5% | 28.48% | 38.07% | 37.21% |
| Operating Income Growth % | - | 67.28% | 14.38% | -39.9% | 12.83% | -11.89% | 41.67% | -20.23% | 3.54% | 7.58% | 7.75% | 0.1% | 23.06% | -14.33% | 19.85% | 38.04% | 114.15% | 74.87% | 714.4% | -112.97% | 0.3% | -26.19% | 5.65% | - |
| Pretax Income | 8.17M | 7.79M | 4.65M | 4.07M | 6.77M | 6M | 6.81M | 4.81M | 6.03M | 5.82M | 5.41M | 5.02M | 5.02M | 4.08M | 4.76M | 3.97M | 2.88M | 1.34M | 768K | -125K | 964K | 961.09K | 1.3M | 1.23M |
| Pretax Margin % | 33.92% | 32.09% | 22.66% | 19.97% | 28.87% | 29.11% | 30.92% | 25.62% | 34.61% | 32.98% | 30.64% | 31.74% | 33.62% | 31.25% | 34.29% | 30.89% | 29.52% | 18.65% | 18.64% | -3.87% | 28.5% | 28.48% | 38.07% | 37.21% |
| Income Tax | 1.68M | 1.61M | 766K | 476K | 1.07M | 1.13M | 1.45M | 957K | 1.28M | 2.25M | 1.76M | 1.64M | 1.66M | 1.33M | 1.63M | 1.13M | 938K | 673K | 253K | -43K | 327K | 326.69K | 452.23K | 411.73K |
| Effective Tax Rate % | 20.6% | 20.69% | 16.46% | 11.7% | 15.75% | 18.78% | 21.22% | 19.91% | 21.29% | 38.69% | 32.5% | 32.74% | 33.11% | 32.68% | 34.22% | 28.39% | 32.61% | 50.11% | 32.94% | 34.4% | 33.92% | 33.99% | 34.73% | 33.41% |
| Net Income | 6.49M | 6.17M | 3.89M | 3.59M | 5.7M | 4.87M | 5.37M | 3.85M | 4.74M | 3.57M | 3.65M | 3.38M | 3.35M | 2.74M | 3.13M | 2.84M | 1.94M | 670K | 515K | -82K | 637K | 634K | 849.9K | 820.74K |
| Net Margin % | 26.93% | 25.45% | 18.93% | 17.63% | 24.33% | 23.64% | 24.36% | 20.52% | 27.24% | 20.22% | 20.69% | 21.35% | 22.49% | 21.03% | 22.56% | 22.12% | 19.9% | 9.3% | 12.5% | -2.54% | 18.84% | 18.79% | 24.85% | 24.78% |
| Net Income Growth % | 42.64% | 58.8% | 8.21% | -37.01% | 17.05% | -9.17% | 39.35% | -18.83% | 32.93% | -2.3% | 8.14% | 0.66% | 22.27% | -12.33% | 10.1% | 46.7% | 189.25% | 30.1% | 728.05% | -112.87% | 0.47% | -25.4% | 3.55% | - |
| Net Income (Continuing) | 6.49M | 6.17M | 3.89M | 3.59M | 5.7M | 4.87M | 5.37M | 3.85M | 4.74M | 3.57M | 3.65M | 3.38M | 3.35M | 2.74M | 3.13M | 2.84M | 1.94M | 670K | 515K | -82K | 637K | 634.4K | 849.9K | 820.74K |
| EPS (Diluted) | 2.11 | 2.01 | 1.26 | 1.17 | 1.81 | 1.41 | 1.57 | 1.07 | 1.25 | 0.97 | 0.96 | 0.87 | 0.83 | 0.65 | 0.66 | 0.51 | 0.34 | 0.11 | 0.08 | -0.02 | 0.10 | 0.10 | 0.13 | 0.09 |
| EPS Growth % | 43.54% | 59.52% | 7.69% | -35.36% | 28.37% | -10.19% | 46.73% | -14.4% | 28.87% | 1.04% | 10.34% | 4.82% | 27.69% | -1.52% | 29.41% | 50% | 209.09% | 37.5% | 633.33% | -115.79% | 0% | -26.92% | 42.23% | - |
| EPS (Basic) | - | 2.05 | 1.27 | 1.18 | 1.89 | 1.50 | 1.66 | 1.14 | 1.34 | 1.03 | 1.00 | 0.90 | 0.85 | 0.67 | 0.67 | 0.51 | 0.34 | 0.11 | 0.08 | -0.02 | 0.10 | 0.10 | 0.13 | 0.09 |
| Diluted Shares Outstanding | 3.07M | 3.07M | 3.09M | 3.08M | 3.15M | 3.46M | 3.43M | 3.59M | 3.79M | 3.69M | 3.82M | 3.88M | 4.06M | 4.24M | 4.79M | 5.64M | 5.82M | 6.5M | 6.51M | 6.49M | 6.7M | 6.67M | 6.89M | 8.98M |
Quick answers to the most common questions about buying HFBL stock.
For fiscal year 2026, Home Federal Bancorp, Inc. of Louisiana (HFBL) reported total revenue of $24.3M. This represents a 632.4% increase compared to $3.3M in 2004.
Home Federal Bancorp, Inc. of Louisiana (HFBL) is profitable, generating $6.2M in net income for the fiscal year ending 2026 with a net profit margin of 25.4%.
Home Federal Bancorp, Inc. of Louisiana (HFBL) reported an operating income of $7.8M, resulting in an operating profit margin of 32.1%. This margin reflects the operational efficiency of the business before interest and taxes.
Home Federal Bancorp, Inc. of Louisiana (HFBL) generated $23.7M in gross profit for the year, representing a gross profit margin of 97.6%. This demonstrates the company's core pricing power and production efficiency.
Key Metrics
Top Statement Risk
Regional economic concentration
Metrics are mathematically derived from official filings.
Net Interest Income Momentum Builds
As reported in recent financial filings, HFBL has successfully expanded its net interest income from $4.4M in 2024Q2 to $5.4M by 2026Q3, representing a notable recovery trajectory that suggests improved loan volume or more favorable asset repricing dynamics within the Shreveport-Bossier City corridor.
The consistent quarterly growth in net interest income indicates that the bank is effectively navigating the current interest rate environment despite earlier periods of contraction. This upward trend suggests that management may be successfully optimizing its loan portfolio mix to capture higher yields while maintaining its core deposit funding base.
Persistent Net Interest Margin Constraints
Based on the provided income statement data, HFBL's net interest margin has remained largely stagnant, hovering between 0.7% and 0.9% over the last ten quarters, which indicates that funding costs continue to exert significant pressure on the bank's ability to expand its core profitability.
The narrow NIM range suggests that the bank's asset yields are struggling to outpace the rising cost of deposits in a competitive regional market. Investors should monitor whether the bank can achieve meaningful margin expansion as the rate cycle evolves or if structural funding costs will continue to limit net interest spread.
Efficiency Ratio Reflects Operational Discipline
According to the bank's quarterly performance metrics, the efficiency ratio has fluctuated between 41.6% and 53.1%, demonstrating a disciplined approach to managing non-interest expenses relative to total revenue despite the inherent challenges of maintaining a seven-branch physical footprint in a localized market.
The volatility in the efficiency ratio appears tied to the bank's ability to scale revenue rather than uncontrolled expense growth. Maintaining this ratio near the 50% level suggests that management is effectively balancing its high-touch, relationship-based service model with the need to preserve operating margins.
Conservative Provisioning Supports Earnings Stability
As evidenced by the minimal provision for credit losses, which reached zero in 2026Q3, HFBL appears to maintain a highly conservative credit culture that has largely insulated the bottom line from significant loan loss volatility throughout the recent reporting periods.
The absence of meaningful provision expense suggests that the bank's loan portfolio, heavily weighted toward local real estate, has not yet experienced significant credit deterioration. However, this reliance on low provisioning warrants further investigation into whether the bank's internal risk models are adequately capturing potential shifts in regional property values.