17.91 USD
-0.09 (-0.5%)
Overall HFBL gets a fundamental rating of 4 out of 10. We evaluated HFBL against 383 industry peers in the Banks industry. While HFBL seems to be doing ok healthwise, there are quite some concerns on its profitability. HFBL is valued expensive and it does not seem to be growing. HFBL also has an excellent dividend rating.
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.
- In the past 5 years HFBL has always been profitable.
- Each year in the past 5 years HFBL had a positive operating cash flow.
1.2 Ratios
- The Return On Assets of HFBL (0.73%) is worse than 63.45% of its industry peers.
- The Return On Equity of HFBL (8.03%) is comparable to the rest of the industry.
| Industry Rank | Sector 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
1.3 Margins
- HFBL has a worse Profit Margin (20.80%) than 65.01% 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 Rank | Sector 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
2. Health
2.1 Basic Checks
- HFBL does not have a ROIC to compare to the WACC, probably because it is not profitable.
- HFBL has less shares outstanding than it did 1 year ago.
- Compared to 5 years ago, HFBL has less shares outstanding
- The debt/assets ratio for HFBL has been reduced compared to a year ago.
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 77.28% of its industry peers.
- A Debt/Equity ratio of 0.08 indicates that HFBL is not too dependend on debt financing.
- The Debt to Equity ratio of HFBL (0.08) is better than 71.54% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.08 | ||
| Debt/FCF | 0.65 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC24.51%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
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.
- Looking at the last year, HFBL shows a quite strong growth in Revenue. The Revenue has grown by 11.86% in the last year.
- HFBL shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 1.62% yearly.
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.
4. Valuation
4.1 Price/Earnings Ratio
- HFBL is valuated correctly with a Price/Earnings ratio of 12.10.
- HFBL's Price/Earnings is on the same level as the industry average.
- HFBL's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.94.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.1 | ||
| Fwd PE | N/A |
4.2 Price Multiples
- 82.51% of the companies in the same industry are more expensive than HFBL, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.55 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)3.59
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 3.04%, HFBL has a reasonable but not impressive dividend return.
- Compared to an average industry Dividend Yield of 2.85, HFBL has a dividend in line with its industry peers.
- HFBL's Dividend Yield is rather good when compared to the S&P500 average which is at 1.83.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.04% |
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
5.3 Sustainability
- HFBL pays out 35.94% of its income as dividend. This is a 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
NASDAQ:HFBL (1/21/2026, 4:30:02 PM)
17.91
-0.09 (-0.5%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)11-04 2025-11-04
Earnings (Next)01-22 2026-01-22
Inst Owners6.96%
Inst Owner Change0%
Ins Owners11.76%
Ins Owner Change6.05%
Market Cap55.34M
Revenue(TTM)21.86M
Net Income(TTM)4.55M
Analysts0
Price TargetN/A
Short Float %0.16%
Short Ratio0.76
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.04% |
Yearly Dividend0.52
Dividend Growth(5Y)10.26%
DP35.94%
Div Incr Years10
Div Non Decr Years10
Ex-DateN/A
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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.1 | ||
| Fwd PE | N/A | ||
| P/S | 2.53 | ||
| P/FCF | 7.55 | ||
| P/OCF | 7.5 | ||
| P/B | 0.98 | ||
| P/tB | 1.05 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.48
EY8.26%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)2.37
FCFY13.25%
OCF(TTM)2.39
OCFY13.33%
SpS7.08
BVpS18.31
TBVpS17.07
PEG (NY)N/A
PEG (5Y)3.59
Graham Number24.7
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC24.51%
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 12.1 and the Price/Book (PB) ratio is 0.98.