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

NASDAQ:HFBL - Nasdaq - US43708L1089 - Common Stock - Currency: USD

13.01  +0.18 (+1.4%)

Fundamental Rating

3

Overall HFBL gets a fundamental rating of 3 out of 10. We evaluated HFBL against 392 industry peers in the Banks industry. HFBL has a bad profitability rating. Also its financial health evaluation is rather negative. HFBL has a expensive valuation and it also scores bad on growth. Finally HFBL also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year HFBL was profitable.
HFBL had a positive operating cash flow in the past year.
In the past 5 years HFBL has always been profitable.
Each year in the past 5 years HFBL had a positive operating cash flow.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5M 10M 15M

1.2 Ratios

HFBL's Return On Assets of 0.54% is on the low side compared to the rest of the industry. HFBL is outperformed by 72.70% of its industry peers.
Looking at the Return On Equity, with a value of 6.12%, HFBL is doing worse than 68.88% of the companies in the same industry.
Industry RankSector Rank
ROA 0.54%
ROE 6.12%
ROIC N/A
ROA(3y)0.75%
ROA(5y)0.79%
ROE(3y)9.13%
ROE(5y)9.04%
ROIC(3y)N/A
ROIC(5y)N/A
HFBL Yearly ROA, ROE, ROICHFBL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

HFBL has a worse Profit Margin (16.82%) than 71.68% of its industry peers.
HFBL's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for HFBL so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 16.82%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-9.98%
PM growth 5Y-8.16%
GM growth 3YN/A
GM growth 5YN/A
HFBL Yearly Profit, Operating, Gross MarginsHFBL Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

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3

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 more shares outstanding
Compared to 5 years ago, HFBL has less shares outstanding
Compared to 1 year ago, HFBL has an improved debt to assets ratio.
HFBL Yearly Shares OutstandingHFBL Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1M 2M 3M 4M
HFBL Yearly Total Debt VS Total AssetsHFBL Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M

2.2 Solvency

The Debt to FCF ratio of HFBL is 0.74, which is an excellent value as it means it would take HFBL, only 0.74 years of fcf income to pay off all of its debts.
HFBL's Debt to FCF ratio of 0.74 is fine compared to the rest of the industry. HFBL outperforms 79.08% of its industry peers.
HFBL has a Debt/Equity ratio of 0.08. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of HFBL (0.08) is better than 75.77% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.08
Debt/FCF 0.74
Altman-Z N/A
ROIC/WACCN/A
WACC30.37%
HFBL Yearly LT Debt VS Equity VS FCFHFBL Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M 10M

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1

3. Growth

3.1 Past

The earnings per share for HFBL have decreased strongly by -19.45% in the last year.
The Earnings Per Share has been decreasing by -1.39% on average over the past years.
HFBL shows a decrease in Revenue. In the last year, the revenue decreased by -7.98%.
HFBL shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.02% yearly.
EPS 1Y (TTM)-19.45%
EPS 3Y-9.45%
EPS 5Y-1.39%
EPS Q2Q%2.28%
Revenue 1Y (TTM)-7.98%
Revenue growth 3Y-2.84%
Revenue growth 5Y3.02%
Sales Q2Q%6.11%

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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M

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3

4. Valuation

4.1 Price/Earnings Ratio

HFBL is valuated reasonably with a Price/Earnings ratio of 11.94.
HFBL's Price/Earnings ratio is in line with the industry average.
When comparing the Price/Earnings ratio of HFBL to the average of the S&P500 Index (27.24), we can say HFBL is valued rather cheaply.
Industry RankSector Rank
PE 11.94
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

86.22% of the companies in the same industry are more expensive than HFBL, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 6.79
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)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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8

5. Dividend

5.1 Amount

HFBL has a Yearly Dividend Yield of 4.21%, which is a nice return.
HFBL's Dividend Yield is a higher than the industry average which is at 3.51.
HFBL's Dividend Yield is rather good when compared to the S&P500 average which is at 2.40.
Industry RankSector Rank
Dividend Yield 4.21%

5.2 History

The dividend of HFBL is nicely growing with an annual growth rate of 12.42%!
HFBL has paid a dividend for at least 10 years, which is 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)12.42%
Div Incr Years10
Div Non Decr Years10
HFBL Yearly Dividends per shareHFBL Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.1 0.2 0.3 0.4 0.5

5.3 Sustainability

48.25% of the earnings are spent on dividend by HFBL. This is a bit on the high side, but may be sustainable.
DP48.25%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5M 10M
HFBL Dividend Payout.HFBL Dividend Payout, showing the Payout Ratio.HFBL Dividend Payout.PayoutRetained Earnings

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HOME FEDERAL BANCORP INC/LA

NASDAQ:HFBL (8/4/2025, 4:10:04 PM)

13.01

+0.18 (+1.4%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-24 2025-07-24
Earnings (Next)10-27 2025-10-27
Inst Owners8.5%
Inst Owner Change0.01%
Ins Owners14.96%
Ins Owner Change0.71%
Market Cap40.07M
Analysts0
Price TargetN/A
Short Float %0.56%
Short Ratio2.59
Dividend
Industry RankSector Rank
Dividend Yield 4.21%
Yearly Dividend0.5
Dividend Growth(5Y)12.42%
DP48.25%
Div Incr Years10
Div Non Decr Years10
Ex-Date08-04 2025-08-04 (0.135)
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 11.94
Fwd PE N/A
P/S 2.01
P/FCF 6.79
P/OCF 6.35
P/B 0.73
P/tB 0.79
EV/EBITDA N/A
EPS(TTM)1.09
EY8.38%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.92
FCFY14.72%
OCF(TTM)2.05
OCFY15.75%
SpS6.46
BVpS17.77
TBVpS16.48
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.54%
ROE 6.12%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 16.82%
GM N/A
FCFM 29.66%
ROA(3y)0.75%
ROA(5y)0.79%
ROE(3y)9.13%
ROE(5y)9.04%
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
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-9.98%
PM growth 5Y-8.16%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.08
Debt/FCF 0.74
Debt/EBITDA N/A
Cap/Depr 32.33%
Cap/Sales 2.06%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 176.28%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC30.37%
ROIC/WACCN/A
Cap/Depr(3y)227.99%
Cap/Depr(5y)236.79%
Cap/Sales(3y)10.13%
Cap/Sales(5y)9.2%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-19.45%
EPS 3Y-9.45%
EPS 5Y-1.39%
EPS Q2Q%2.28%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-7.98%
Revenue growth 3Y-2.84%
Revenue growth 5Y3.02%
Sales Q2Q%6.11%
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-31.32%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-35.22%
OCF growth 3Y-34.71%
OCF growth 5Y-13.76%