15.3062 USD
-0.05 (-0.35%)
HFBL gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 387 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.
Each year in the past 5 years HFBL had a positive operating cash flow.
1.2 Ratios
HFBL has a worse Return On Assets (0.64%) than 68.73% of its industry peers.
HFBL has a Return On Equity of 7.04%. This is in the lower half of the industry: HFBL underperforms 66.41% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.64% | ||
| ROE | 7.04% | ||
| 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 Profit Margin of 18.81%. This is in the lower half of the industry: HFBL underperforms 68.22% of its industry peers.
In the last couple of years the Profit Margin of HFBL has remained more or less at the same level.
The Operating Margin and Gross Margin are not available for HFBL so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 18.81% | ||
| 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.
The debt/assets ratio for HFBL has been reduced compared to a year ago.
2.2 Solvency
HFBL has a debt to FCF ratio of 0.84. This is a very positive value and a sign of high solvency as it would only need 0.84 years to pay back of all of its debts.
HFBL has a better Debt to FCF ratio (0.84) than 72.87% 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 72.35% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.08 | ||
| Debt/FCF | 0.84 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC26.75%
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 37.67%, 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 11.86%.
Measured over the past years, HFBL shows a small growth in Revenue. The Revenue has been growing by 1.62% on average per year.
EPS 1Y (TTM)37.67%
EPS 3Y-3.6%
EPS 5Y3.37%
EPS Q2Q%71.24%
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
Based on the Price/Earnings ratio of 10.34, the valuation of HFBL can be described as reasonable.
HFBL's Price/Earnings ratio is a bit cheaper when compared to the industry. HFBL is cheaper than 69.25% of the companies in the same industry.
HFBL is valuated cheaply when we compare the Price/Earnings ratio to 25.47, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.34 | ||
| 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 74.42% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.66 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)3.07
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
HFBL has a Yearly Dividend Yield of 3.44%.
Compared to an average industry Dividend Yield of 3.33, HFBL pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.41, HFBL pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.44% |
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 their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)10.26%
Div Incr Years10
Div Non Decr Years10
5.3 Sustainability
HFBL pays out 41.89% 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.
DP41.89%
EPS Next 2YN/A
EPS Next 3YN/A
NASDAQ:HFBL (11/21/2025, 8:00:02 PM)
15.3062
-0.05 (-0.35%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners7.56%
Inst Owner Change-7.81%
Ins Owners14.84%
Ins Owner Change0.39%
Market Cap46.99M
Revenue(TTM)21.86M
Net Income(TTM)3.89M
Analysts0
Price TargetN/A
Short Float %0.21%
Short Ratio1.57
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.44% |
Yearly Dividend0.52
Dividend Growth(5Y)10.26%
DP41.89%
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 | 10.34 | ||
| Fwd PE | N/A | ||
| P/S | 2.27 | ||
| P/FCF | 8.66 | ||
| P/OCF | 8.59 | ||
| P/B | 0.85 | ||
| P/tB | 0.92 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.48
EY9.67%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.77
FCFY11.55%
OCF(TTM)1.78
OCFY11.65%
SpS6.74
BVpS17.98
TBVpS16.71
PEG (NY)N/A
PEG (5Y)3.07
Graham Number24.47
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.64% | ||
| ROE | 7.04% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 18.81% | ||
| GM | N/A | ||
| FCFM | 26.24% |
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 Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.08 | ||
| Debt/FCF | 0.84 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 3.37% | ||
| Cap/Sales | 0.22% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 139.52% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score9
WACC26.75%
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)37.67%
EPS 3Y-3.6%
EPS 5Y3.37%
EPS Q2Q%71.24%
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 1Y1574.46%
FCF growth 3Y-27.92%
FCF growth 5YN/A
OCF growth 1Y136.07%
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 3 / 10 to HFBL.
Can you provide the valuation status for HOME FEDERAL BANCORP INC/LA?
ChartMill assigns a valuation rating of 3 / 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 10.34 and the Price/Book (PB) ratio is 0.85.