Home Federal Bancorp, Inc. of Louisiana (HFBL) P/E Ratio History
Fairly ValuedTrading at 10.9x, near 5Y avg of 10.8x · 60th percentile · In line with own history · Data 2005–2027
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P/E Ratio Analysis
As of November 8, 2026, Home Federal Bancorp, Inc. of Louisiana (HFBL) trades at a price-to-earnings ratio of 10.9x, with a stock price of $23.00 and trailing twelve-month earnings per share of $2.11.
The current P/E is roughly in line with its 5-year average of 10.8x. Over the past five years, HFBL's P/E has ranged from a low of 7.8x to a high of 14.2x, placing the current valuation at the 60th percentile of its historical range.
Compared to the Financial Services sector median P/E of 12.1x, HFBL is roughly in line with its sector peers. The sector includes 763 companies with P/E ratios ranging from 0.0x to 190.1x.
The PEG ratio of 2.15 (P/E divided by 60% EPS growth) suggests the stock may be expensive relative to its earnings growth. Peter Lynch popularized the rule that a PEG below 1.0 indicates an attractive entry point.
Relative to the broader market, HFBL trades at a notable discount to the S&P 500 median P/E of 21.8x. Investors should consider the company's growth prospects, competitive position, and earnings quality when evaluating whether the current valuation is justified.
For a comprehensive intrinsic value estimate using discounted cash flow analysis, see our HFBL DCF Valuation Calculator →
Note: P/E ratio is just one valuation metric. It does not account for balance sheet strength, cash flow quality, or growth sustainability. Always conduct comprehensive due diligence before making investment decisions.
HFBL Cross-Benchmark Valuation
How does the current P/E compare to sector peers and the broader market?
HFBL P/E vs Peers
Micro-Cap Community Banks peers sorted by market cap
| Company | Market Cap | P/E Ratio | PEG Ratio | EPS Growth (1Y) |
|---|---|---|---|---|
| $1B | 15.1 | 1.73 | +58% | |
| $225M | 16.1 | 3.18 | +9% | |
| $3B | 12.7 | 1.80 | +13% | |
| $479M | 10.8 | 0.69Best | +28% | |
| $1B | 11.2 | - | -41% | |
| $636M | 16.1 | 8.39 | +50% | |
| $1B | 11.1 | 1.00 | +23% | |
| $4B | 15.0 | 3.33 | +13% | |
| $12B | 11.2 | - | -52% | |
| $7B | 9.4Lowest | - | +376%Best |
Lower P/E can signal a discount or weaker growth expectations; PEG adds growth context.
HFBL Historical P/E Data (2005–2027)
Quarterly P/E ratios calculated from closing price and TTM EPS
| Quarter | Period End | Price | TTM EPS | P/E Ratio | vs Avg |
|---|---|---|---|---|---|
| FY2027 Q1 | Sep 30 2026 | $24.77 | $2.11 | 11.7x | -61% |
| FY2026 Q4 | - | $20.99 | $2.01 | 10.4x | -65% |
| FY2026 Q3 | - | $17.30 | $1.92 | 9.0x | -70% |
| FY2026 Q2 | Dec 31 2025 | $18.00 | $1.68 | 10.7x | -64% |
| FY2026 Q1 | - | $13.77 | $1.47 | 9.4x | -69% |
| FY2025 Q4 | Jun 30 2025 | $13.60 | $1.26 | 10.8x | -64% |
| FY2025 Q3 | Mar 31 2025 | $13.05 | $1.09 | 12.0x | -60% |
| FY2025 Q2 | - | $12.55 | $1.09 | 11.5x | -61% |
| FY2025 Q1 | Sep 30 2024 | $12.60 | $1.09 | 11.6x | -61% |
| FY2024 Q4 | Jun 30 2024 | $11.47 | $1.17 | 9.8x | -67% |
| FY2024 Q3 | Mar 31 2024 | $12.86 | $1.36 | 9.5x | -68% |
| FY2024 Q2 | Dec 31 2023 | $14.34 | $1.46 | 9.8x | -67% |
| FY2024 Q1 | Sep 30 2023 | $14.50 | $1.68 | 8.6x | -71% |
| FY2023 Q4 | Jun 30 2023 | $14.04 | $1.81 | 7.8x | -74% |
| FY2023 Q3 | Mar 31 2023 | $17.07 | $1.72 | 9.9x | -67% |
| FY2023 Q2 | Dec 31 2022 | $17.11 | $1.75 | 9.8x | -67% |
| FY2023 Q1 | Sep 30 2022 | $18.72 | $1.54 | 12.2x | -59% |
| FY2022 Q4 | - | $19.66 | $1.40 | 14.0x | -53% |
| FY2022 Q3 | - | $20.75 | $1.46 | 14.2x | -52% |
| FY2022 Q2 | Dec 31 2021 | $20.38 | $1.50 | 13.6x | -55% |
| FY2022 Q1 | - | $18.75 | $1.58 | 11.9x | -60% |
| FY2021 Q4 | Jun 30 2021 | $19.50 | $1.57 | 12.4x | -58% |
| FY2021 Q3 | Mar 31 2021 | $15.70 | $1.51 | 10.4x | -65% |
| FY2021 Q2 | - | $14.44 | $1.37 | 10.5x | -65% |
| FY2021 Q1 | Sep 30 2020 | $11.53 | $1.11 | 10.4x | -65% |
| FY2020 Q4 | - | $12.40 | $1.08 | 11.5x | -62% |
| FY2020 Q3 | - | $12.50 | $1.08 | 11.6x | -61% |
| FY2020 Q2 | - | $17.88 | $1.13 | 15.8x | -47% |
| FY2020 Q1 | Sep 30 2019 | $16.33 | $1.28 | 12.8x | -57% |
| FY2019 Q4 | Jun 30 2019 | $16.63 | $1.26 | 13.2x | -56% |
| FY2019 Q3 | Mar 31 2019 | $15.98 | $1.26 | 12.7x | -58% |
| FY2019 Q2 | Dec 31 2018 | $14.73 | $1.21 | 12.2x | -59% |
| FY2019 Q1 | Sep 30 2018 | $17.05 | $0.99 | 17.1x | -43% |
| FY2018 Q4 | Jun 30 2018 | $15.73 | $0.94 | 16.6x | -44% |
| FY2018 Q3 | Mar 31 2018 | $15.01 | $0.91 | 16.6x | -44% |
| FY2018 Q2 | Dec 31 2017 | $14.06 | $0.85 | 16.4x | -45% |
| FY2018 Q1 | Sep 30 2017 | $13.35 | $0.96 | 13.9x | -53% |
| FY2017 Q4 | Jun 30 2017 | $13.48 | $0.96 | 14.0x | -53% |
| FY2017 Q3 | Mar 31 2017 | $14.45 | $0.95 | 15.2x | -49% |
| FY2017 Q2 | Dec 31 2016 | $13.43 | $0.93 | 14.4x | -52% |
| FY2017 Q1 | Sep 30 2016 | $11.67 | $0.91 | 12.8x | -57% |
| FY2016 Q4 | - | $10.73 | $0.88 | 12.2x | -59% |
| FY2016 Q3 | - | $11.25 | $0.84 | 13.4x | -55% |
| FY2016 Q2 | - | $11.63 | $0.85 | 13.7x | -54% |
| FY2016 Q1 | Sep 30 2015 | $11.43 | $0.88 | 13.0x | -57% |
| FY2015 Q4 | - | $10.10 | $0.84 | 12.0x | -60% |
| FY2015 Q3 | - | $9.63 | $0.80 | 12.0x | -60% |
| FY2015 Q2 | - | $9.85 | $0.75 | 13.1x | -56% |
| FY2015 Q1 | - | $9.62 | $0.69 | 13.9x | -53% |
| FY2014 Q4 | Jun 30 2014 | $9.77 | $0.66 | 14.8x | -50% |
| FY2014 Q3 | Mar 31 2014 | $9.05 | $0.62 | 14.6x | -51% |
| FY2014 Q2 | - | $8.90 | $0.61 | 14.6x | -51% |
| FY2014 Q1 | Sep 30 2013 | $8.49 | $0.64 | 13.3x | -56% |
| FY2013 Q4 | Jun 30 2013 | $8.67 | $0.65 | 13.3x | -55% |
| FY2013 Q3 | Mar 31 2013 | $8.88 | $0.65 | 13.7x | -54% |
| FY2013 Q2 | Dec 31 2012 | $8.75 | $0.61 | 14.3x | -52% |
| FY2013 Q1 | Sep 30 2012 | $8.93 | $0.55 | 16.2x | -46% |
| FY2012 Q4 | Jun 30 2012 | $7.38 | $0.51 | 14.5x | -52% |
| FY2012 Q3 | Mar 31 2012 | $7.13 | $0.45 | 15.8x | -47% |
| FY2012 Q2 | Dec 31 2011 | $7.09 | $0.40 | 17.9x | -40% |
| FY2012 Q1 | Sep 30 2011 | $6.50 | $0.36 | 18.0x | -40% |
| FY2011 Q4 | - | $6.53 | $0.33 | 19.8x | -34% |
| FY2011 Q3 | - | $6.55 | $0.32 | 20.4x | -32% |
| FY2011 Q2 | Dec 31 2010 | $5.75 | $0.22 | 26.0x | -13% |
| FY2011 Q1 | - | $5.19 | $0.18 | 29.5x | -1% |
| FY2010 Q4 | Jun 30 2010 | $4.39 | $0.11 | 41.4x | +39% |
| FY2010 Q3 | Mar 31 2010 | $4.67 | $0.03 | 137.0x | +358% |
| FY2010 Q2 | - | $4.50 | $0.12 | 37.8x | +26% |
| FY2010 Q1 | Sep 30 2009 | $4.39 | $0.10 | 44.3x | +48% |
| FY2009 Q4 | - | $3.70 | $0.07 | 49.9x | +67% |
| FY2009 Q3 | - | $3.13 | $0.00 | 680.4x | +2177% |
| FY2008 Q3 | Mar 31 2008 | $4.00 | $0.07 | 54.8x | +83% |
| FY2008 Q2 | Dec 31 2007 | $5.21 | $0.08 | 62.8x | +110% |
| FY2008 Q1 | Sep 30 2007 | $5.00 | $0.08 | 60.2x | +102% |
| FY2007 Q4 | Jun 30 2007 | $5.54 | $0.09 | 59.6x | +99% |
| FY2007 Q3 | Mar 31 2007 | $5.13 | $0.10 | 53.7x | +80% |
| FY2007 Q2 | Dec 31 2006 | $5.15 | $0.09 | 56.9x | +90% |
| FY2007 Q1 | Sep 30 2006 | $5.22 | $0.09 | 57.7x | +93% |
| FY2006 Q4 | Jun 30 2006 | $5.23 | $0.10 | 54.8x | +83% |
| FY2006 Q3 | Mar 31 2006 | $5.13 | $0.14 | 38.0x | +27% |
| FY2006 Q2 | Dec 31 2005 | $4.90 | $0.14 | 35.0x | +17% |
| FY2006 Q1 | Sep 30 2005 | $4.90 | $0.13 | 36.8x | +23% |
| FY2005 Q4 | - | $4.78 | $0.12 | 40.3x | +35% |
Average P/E for displayed period: 29.9x
HFBL Chart Terminal
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Intrinsic Valuation
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Historical Returns
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Peer Comparison
Compare growth, multiples, and margins vs sector.
HFBL — Frequently Asked Questions
Quick answers to the most common questions about buying HFBL stock.
What is HFBL's P/E ratio?
Home Federal Bancorp, Inc. of Louisiana (HFBL) trailing twelve-month P/E ratio is 10.9x, based on TTM diluted EPS of $2.11. The 5-year average P/E is 10.8x and the historical range spans 7.8x to 14.2x.
Is HFBL stock overvalued or undervalued?
HFBL trades at 10.9x P/E, near its 5-year average of 10.8x. The 60th percentile ranking within the 7.8x–14.2x historical range places valuation within normal bounds.
Is HFBL stock expensive?
HFBL is fairly valued relative to its own history. The current P/E of 10.9x is near the 5-year average of 10.8x (60th percentile of historical range).
What is HFBL's historical P/E range?
Over the past 5 years, HFBL's P/E ratio has ranged from 7.8x to 14.2x, with a median of 10.7x and an average of 10.8x. The current P/E of 10.9x places the stock at the 60th percentile of this range. Full historical data spans 2005–2027.
How does HFBL's P/E compare to the S&P 500?
HFBL trades at 10.9x P/E versus the S&P 500 median of 21.8x. The 50% discount to the market suggests lower growth expectations or perceived higher risk.
How does HFBL's valuation compare to Financial Services peers?
Home Federal Bancorp, Inc. of Louisiana P/E of 10.9x compares to the Financial Services sector median of 12.1x. The discount suggests lower growth expectations, weaker margins, or higher perceived risk relative to peers. See the peer comparison table on this page for ticker-by-ticker P/E and PEG.
What is HFBL's PEG ratio?
HFBL PEG ratio is 2.15, based on a P/E of 10.9x and EPS growth of 59.5%. A PEG above 2.0 indicates a premium valuation relative to earnings growth — typically considered expensive.
What is HFBL's earnings yield?
HFBL earnings yield is 9.19%, the inverse of its 10.9x P/E ratio. Earnings yield represents the percentage of each dollar invested that the company earns. It can be compared directly to bond yields to assess relative attractiveness of stocks versus fixed income.