HOME FEDERAL BANCORP INC/LA (HFBL) Stock Fundamental Analysis
USA - NASDAQ:HFBL - US43708L1089 - Common Stock
16.32 USD
-0.63 (-3.72%)
We assign a fundamental rating of 3 out of 10 to HFBL. HFBL was compared to 390 industry peers in the Banks industry. The financial health of HFBL is average, but there are quite some concerns on its profitability. HFBL is valued expensive and it does not seem to be growing.
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.
Of the past 5 years HFBL 4 years had a positive operating cash flow.
1.2 Ratios
HFBL has a worse Return On Assets (0.54%) than 73.59% of its industry peers.
The Return On Equity of HFBL (6.12%) is worse than 69.74% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.54% | ||
| ROE | 6.12% | ||
| 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
The Profit Margin of HFBL (16.82%) is worse than 71.28% of its industry peers.
In the last couple of years the Profit Margin of HFBL has remained more or less at the same level.
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) | 16.82% | ||
| 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.
Compared to 1 year ago, HFBL has less shares outstanding
HFBL has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, HFBL has an improved debt to assets ratio.
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.
Looking at the Debt to FCF ratio, with a value of 0.74, HFBL is in the better half of the industry, outperforming 78.21% of the companies in the same industry.
HFBL has a Debt/Equity ratio of 0.08. This is a healthy value indicating a solid balance between debt and equity.
HFBL's Debt to Equity ratio of 0.08 is fine compared to the rest of the industry. HFBL outperforms 74.36% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.08 | ||
| Debt/FCF | 0.74 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC26.57%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
HFBL shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 9.03%, which is quite good.
The Earnings Per Share has been growing slightly by 3.38% on average over the past years.
HFBL shows a small growth in Revenue. In the last year, the Revenue has grown by 0.74%.
HFBL shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 1.62% yearly.
EPS 1Y (TTM)9.03%
EPS 3Y-3.59%
EPS 5Y3.38%
EPS Q2Q%84.53%
Revenue 1Y (TTM)0.74%
Revenue growth 3Y-0.26%
Revenue growth 5Y1.62%
Sales Q2Q%16.13%
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
With a Price/Earnings ratio of 12.85, HFBL is valued correctly.
HFBL's Price/Earnings ratio is a bit more expensive when compared to the industry. HFBL is more expensive than 60.00% of the companies in the same industry.
HFBL is valuated cheaply when we compare the Price/Earnings ratio to 26.51, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.85 | ||
| Fwd PE | N/A |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of HFBL indicates a somewhat cheap valuation: HFBL is cheaper than 76.92% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.49 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)3.8
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
HFBL has a Yearly Dividend Yield of 3.19%.
Compared to an average industry Dividend Yield of 3.44, HFBL has a dividend in line with its industry peers.
HFBL's Dividend Yield is a higher than the S&P500 average which is at 2.38.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.19% |
5.2 History
On average, the dividend of HFBL grows each year by 12.42%, which is quite nice.
HFBL has paid a dividend for at least 10 years, which is a reliable track record.
HFBL has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)12.42%
Div Incr Years10
Div Non Decr Years10
5.3 Sustainability
HFBL pays out 48.25% of its income as dividend. This is a bit on the high side, but may be sustainable.
HFBL's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP48.25%
EPS Next 2YN/A
EPS Next 3YN/A
NASDAQ:HFBL (10/31/2025, 8:00:01 PM)
16.32
-0.63 (-3.72%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners7.56%
Inst Owner Change-0.01%
Ins Owners14.84%
Ins Owner Change2.11%
Market Cap50.10M
Revenue(TTM)20.68M
Net Income(TTM)3.35M
Analysts0
Price TargetN/A
Short Float %0.34%
Short Ratio2.94
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.19% |
Yearly Dividend0.5
Dividend Growth(5Y)12.42%
DP48.25%
Div Incr Years10
Div Non Decr Years10
Ex-Date
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 | 12.85 | ||
| Fwd PE | N/A | ||
| P/S | 2.52 | ||
| P/FCF | 8.49 | ||
| P/OCF | 7.94 | ||
| P/B | 0.92 | ||
| P/tB | 0.99 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.27
EY7.78%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.92
FCFY11.78%
OCF(TTM)2.06
OCFY12.59%
SpS6.48
BVpS17.82
TBVpS16.53
PEG (NY)N/A
PEG (5Y)3.8
Graham Number22.57
Profitability
| Industry Rank | Sector 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)0.69%
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-Score6
Asset Turnover0.03
Health
| Industry Rank | Sector 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
WACC26.57%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)9.03%
EPS 3Y-3.59%
EPS 5Y3.38%
EPS Q2Q%84.53%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)0.74%
Revenue growth 3Y-0.26%
Revenue growth 5Y1.62%
Sales Q2Q%16.13%
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 1Y334.46%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y63.9%
OCF growth 3YN/A
OCF growth 5YN/A
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 3 / 10 to HFBL.
Can you provide the valuation status for HOME FEDERAL BANCORP INC/LA?
ChartMill assigns a valuation rating of 2 / 10 to HOME FEDERAL BANCORP INC/LA (HFBL). This can be considered as Overvalued.
Can you provide the profitability details for HOME FEDERAL BANCORP INC/LA?
HOME FEDERAL BANCORP INC/LA (HFBL) has a profitability rating of 2 / 10.
Can you provide the PE and PB ratios for HFBL stock?
The Price/Earnings (PE) ratio for HOME FEDERAL BANCORP INC/LA (HFBL) is 12.85 and the Price/Book (PB) ratio is 0.92.