HOME FEDERAL BANCORP INC/LA (HFBL) Fundamental Analysis & Valuation

NASDAQ:HFBL • US43708L1089

Current stock price

15.74 USD
-1.74 (-9.95%)
At close:
15.7389 USD
0 (-0.01%)
After Hours:

This HFBL fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. HFBL Profitability Analysis

1.1 Basic Checks

  • In the past year HFBL was profitable.
  • In the past year HFBL had a positive cash flow from operations.
  • In the past 5 years HFBL has always been profitable.
  • HFBL had a positive operating cash flow in each of the past 5 years.
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

  • HFBL's Return On Assets of 0.73% is on the low side compared to the rest of the industry. HFBL is outperformed by 67.19% of its industry peers.
  • HFBL's Return On Equity of 8.03% is on the low side compared to the rest of the industry. HFBL is outperformed by 60.63% 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

  • HFBL's Profit Margin of 20.80% is on the low side compared to the rest of the industry. HFBL is outperformed by 67.72% 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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4

2. HFBL Health Analysis

2.1 Basic Checks

  • HFBL does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for HFBL has been reduced compared to 1 year ago.
  • The number of shares outstanding for HFBL has been reduced compared to 5 years ago.
  • The debt/assets ratio for HFBL has been reduced compared to a year ago.
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

  • The Debt to FCF ratio of HFBL is 0.65, which is an excellent value as it means it would take HFBL, only 0.65 years of fcf income to pay off all of its debts.
  • The Debt to FCF ratio of HFBL (0.65) is better than 76.90% 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.
  • Looking at the Debt to Equity ratio, with a value of 0.08, HFBL is in the better half of the industry, outperforming 70.34% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.08
Debt/FCF 0.65
Altman-Z N/A
ROIC/WACCN/A
WACC26.61%
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. HFBL Growth Analysis

3.1 Past

  • HFBL shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 56.21%, which is quite impressive.
  • HFBL shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 3.37% yearly.
  • HFBL shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 16.32%.
  • HFBL shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 1.62% yearly.
EPS 1Y (TTM)56.21%
EPS 3Y-3.6%
EPS 5Y3.37%
EPS Q2Q%65.06%
Revenue 1Y (TTM)16.32%
Revenue growth 3Y-0.26%
Revenue growth 5Y1.62%
Sales Q2Q%18.22%

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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4

4. HFBL Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 9.26, which indicates a very decent valuation of HFBL.
  • 70.60% of the companies in the same industry are more expensive than HFBL, based on the Price/Earnings ratio.
  • HFBL's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.23.
Industry RankSector Rank
PE 9.26
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

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of HFBL indicates a rather cheap valuation: HFBL is cheaper than 83.99% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 6.59
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)2.75
EPS Next 2YN/A
EPS Next 3YN/A

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

7

5. HFBL Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 3.07%, HFBL has a reasonable but not impressive dividend return.
  • HFBL's Dividend Yield is comparable with the industry average which is at 2.90.
  • Compared to an average S&P500 Dividend Yield of 1.91, HFBL pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.07%

5.2 History

  • The dividend of HFBL is nicely growing with an annual growth rate of 10.26%!
  • 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)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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HFBL Fundamentals: All Metrics, Ratios and Statistics

HOME FEDERAL BANCORP INC/LA

NASDAQ:HFBL (3/20/2026, 8:00:01 PM)

After market: 15.7389 0 (-0.01%)

15.74

-1.74 (-9.95%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-28
Earnings (Next)04-29
Inst Owners7.19%
Inst Owner Change2.76%
Ins Owners12.01%
Ins Owner Change6.05%
Market Cap48.32M
Revenue(TTM)22.79M
Net Income(TTM)4.55M
Analysts0
Price TargetN/A
Short Float %0.17%
Short Ratio0.73
Dividend
Industry RankSector Rank
Dividend Yield 3.07%
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 9.26
Fwd PE N/A
P/S 2.21
P/FCF 6.59
P/OCF 6.55
P/B 0.85
P/tB 0.92
EV/EBITDA N/A
EPS(TTM)1.7
EY10.8%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)2.39
FCFY15.18%
OCF(TTM)2.4
OCFY15.27%
SpS7.12
BVpS18.43
TBVpS17.18
PEG (NY)N/A
PEG (5Y)2.75
Graham Number26.55
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
WACC26.61%
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)56.21%
EPS 3Y-3.6%
EPS 5Y3.37%
EPS Q2Q%65.06%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)16.32%
Revenue growth 3Y-0.26%
Revenue growth 5Y1.62%
Sales Q2Q%18.22%
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 Fundamental Analysis FAQ

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

ChartMill assigns a fundamental rating of 3 / 10 to HFBL.


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

ChartMill assigns a valuation rating of 4 / 10 to HOME FEDERAL BANCORP INC/LA (HFBL). This can be considered as Fairly Valued.


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

HOME FEDERAL BANCORP INC/LA (HFBL) has a profitability rating of 2 / 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 9.26 and the Price/Book (PB) ratio is 0.85.