HOME FEDERAL BANCORP INC/LA (HFBL) Stock Fundamental Analysis

NASDAQ:HFBL • US43708L1089

18.99 USD
+0.23 (+1.23%)
Last: Feb 23, 2026, 08:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

Overall HFBL gets a fundamental rating of 4 out of 10. We evaluated HFBL against 379 industry peers in the Banks industry. The financial health of HFBL is average, but there are quite some concerns on its profitability. HFBL does not seem to be growing, but still is valued expensively. HFBL also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • In the past year HFBL was profitable.
  • In the past year HFBL had a positive cash flow from operations.
  • Each year in the past 5 years HFBL has been profitable.
  • In the past 5 years HFBL always reported a positive cash flow from operatings.
HFBL Yearly Net Income VS EBIT VS OCF VS FCFHFBL Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5M 10M 15M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 0.73%, HFBL is doing worse than 64.64% of the companies in the same industry.
  • HFBL has a Return On Equity of 8.03%. This is comparable to the rest of the industry: HFBL outperforms 42.48% of its industry peers.
Industry RankSector Rank
ROA 0.73%
ROE 8.03%
ROIC N/A
ROA(3y)0.69%
ROA(5y)0.77%
ROE(3y)8.38%
ROE(5y)8.93%
ROIC(3y)N/A
ROIC(5y)N/A
HFBL Yearly ROA, ROE, ROICHFBL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • The Profit Margin of HFBL (20.80%) is worse than 65.70% of its industry peers.
  • HFBL's Profit Margin has been stable in the last couple of years.
  • HFBL does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 20.8%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-6.99%
PM growth 5Y-1.4%
GM growth 3YN/A
GM growth 5YN/A
HFBL Yearly Profit, Operating, Gross MarginsHFBL Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20 25

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ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. Health

2.1 Basic Checks

  • HFBL does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, HFBL has less shares outstanding
  • The number of shares outstanding for HFBL has been reduced compared to 5 years ago.
  • HFBL has a better debt/assets ratio than last year.
HFBL Yearly Shares OutstandingHFBL Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1M 2M 3M
HFBL Yearly Total Debt VS Total AssetsHFBL Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M

2.2 Solvency

  • HFBL has a debt to FCF ratio of 0.65. This is a very positive value and a sign of high solvency as it would only need 0.65 years to pay back of all of its debts.
  • HFBL has a better Debt to FCF ratio (0.65) than 77.31% of its industry peers.
  • A Debt/Equity ratio of 0.08 indicates that HFBL is not too dependend on debt financing.
  • HFBL has a Debt to Equity ratio of 0.08. This is in the better half of the industry: HFBL outperforms 70.98% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.08
Debt/FCF 0.65
Altman-Z N/A
ROIC/WACCN/A
WACC23.55%
HFBL Yearly LT Debt VS Equity VS FCFHFBL Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10M 20M 30M 40M 50M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
HFBL Yearly Current Assets VS Current LiabilitesHFBL Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2M 4M 6M 8M 10M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 37.05% over the past year.
  • The Earnings Per Share has been growing slightly by 3.37% on average over the past years.
  • The Revenue has grown by 11.86% in the past year. This is quite good.
  • The Revenue has been growing slightly by 1.62% on average over the past years.
EPS 1Y (TTM)37.05%
EPS 3Y-3.6%
EPS 5Y3.37%
EPS Q2Q%69.23%
Revenue 1Y (TTM)11.86%
Revenue growth 3Y-0.26%
Revenue growth 5Y1.62%
Sales Q2Q%24.97%

3.2 Future

  • No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
HFBL Yearly Revenue VS EstimatesHFBL Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M 20M

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Find the best growth stocksShow best growing peers

3

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 12.83, HFBL is valued correctly.
  • HFBL's Price/Earnings is on the same level as the industry average.
  • The average S&P500 Price/Earnings ratio is at 26.64. HFBL is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 12.83
Fwd PE N/A
HFBL Price Earnings VS Forward Price EarningsHFBL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, HFBL is valued cheaply inside the industry as 81.79% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 7.98
EV/EBITDA N/A
HFBL Per share dataHFBL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)3.8
EPS Next 2YN/A
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. Dividend

5.1 Amount

  • HFBL has a Yearly Dividend Yield of 2.85%.
  • Compared to an average industry Dividend Yield of 2.74, HFBL has a dividend in line with its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.80, HFBL pays a better dividend.
Industry RankSector Rank
Dividend Yield 2.85%

5.2 History

  • The dividend of HFBL is nicely growing with an annual growth rate of 10.26%!
  • HFBL has been paying a dividend for at least 10 years, so it has a reliable track record.
  • HFBL has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)10.26%
Div Incr Years10
Div Non Decr Years10
HFBL Yearly Dividends per shareHFBL Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.1 0.2 0.3 0.4 0.5

5.3 Sustainability

  • 35.94% of the earnings are spent on dividend by HFBL. This is a low number and sustainable payout ratio.
  • The dividend of HFBL is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP35.94%
EPS Next 2YN/A
EPS Next 3YN/A
HFBL Yearly Income VS Free CF VS DividendHFBL Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5M 10M
HFBL Dividend Payout.HFBL Dividend Payout, showing the Payout Ratio.HFBL Dividend Payout.PayoutRetained Earnings

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Find the best dividend stocksShow peers with best dividend

HOME FEDERAL BANCORP INC/LA

NASDAQ:HFBL (2/23/2026, 8:00:02 PM)

18.99

+0.23 (+1.23%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-28
Earnings (Next)04-29
Inst Owners6.96%
Inst Owner Change2.76%
Ins Owners11.76%
Ins Owner Change6.05%
Market Cap58.49M
Revenue(TTM)21.86M
Net Income(TTM)4.55M
Analysts0
Price TargetN/A
Short Float %0.17%
Short Ratio0.77
Dividend
Industry RankSector Rank
Dividend Yield 2.85%
Yearly Dividend0.52
Dividend Growth(5Y)10.26%
DP35.94%
Div Incr Years10
Div Non Decr Years10
Ex-Date02-02
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 12.83
Fwd PE N/A
P/S 2.68
P/FCF 7.98
P/OCF 7.93
P/B 1.03
P/tB 1.11
EV/EBITDA N/A
EPS(TTM)1.48
EY7.79%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)2.38
FCFY12.54%
OCF(TTM)2.4
OCFY12.61%
SpS7.1
BVpS18.37
TBVpS17.13
PEG (NY)N/A
PEG (5Y)3.8
Graham Number24.74
Profitability
Industry RankSector Rank
ROA 0.73%
ROE 8.03%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 20.8%
GM N/A
FCFM 33.55%
ROA(3y)0.69%
ROA(5y)0.77%
ROE(3y)8.38%
ROE(5y)8.93%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-6.99%
PM growth 5Y-1.4%
GM growth 3YN/A
GM growth 5YN/A
F-Score9
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.08
Debt/FCF 0.65
Debt/EBITDA N/A
Cap/Depr 3.11%
Cap/Sales 0.2%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 161.29%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score9
WACC23.55%
ROIC/WACCN/A
Cap/Depr(3y)116.39%
Cap/Depr(5y)207.62%
Cap/Sales(3y)6.1%
Cap/Sales(5y)8.22%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)37.05%
EPS 3Y-3.6%
EPS 5Y3.37%
EPS Q2Q%69.23%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)11.86%
Revenue growth 3Y-0.26%
Revenue growth 5Y1.62%
Sales Q2Q%24.97%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-13.62%
FCF growth 3Y-27.92%
FCF growth 5YN/A
OCF growth 1Y-27.81%
OCF growth 3Y-31.55%
OCF growth 5Y93.83%

HOME FEDERAL BANCORP INC/LA / HFBL FAQ

Can you provide the ChartMill fundamental rating for HOME FEDERAL BANCORP INC/LA?

ChartMill assigns a fundamental rating of 4 / 10 to HFBL.


What is the valuation status of HOME FEDERAL BANCORP INC/LA (HFBL) stock?

ChartMill assigns a valuation rating of 3 / 10 to HOME FEDERAL BANCORP INC/LA (HFBL). This can be considered as Overvalued.


How profitable is HOME FEDERAL BANCORP INC/LA (HFBL) stock?

HOME FEDERAL BANCORP INC/LA (HFBL) has a profitability rating of 3 / 10.


What is the valuation of HOME FEDERAL BANCORP INC/LA based on its PE and PB ratios?

The Price/Earnings (PE) ratio for HOME FEDERAL BANCORP INC/LA (HFBL) is 12.83 and the Price/Book (PB) ratio is 1.03.