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

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

12.91  -0.37 (-2.79%)

Fundamental Rating

3

Taking everything into account, HFBL scores 3 out of 10 in our fundamental rating. HFBL was compared to 396 industry peers in the Banks industry. Both the profitability and financial health of HFBL have multiple concerns. 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

HFBL had positive earnings in the past year.
In the past year HFBL had a positive cash flow from operations.
Each year in the past 5 years HFBL has 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5M 10M 15M

1.2 Ratios

HFBL has a worse Return On Assets (0.55%) than 72.47% of its industry peers.
HFBL has a Return On Equity of 6.18%. This is in the lower half of the industry: HFBL underperforms 68.69% of its industry peers.
Industry RankSector Rank
ROA 0.55%
ROE 6.18%
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

The Profit Margin of HFBL (17.00%) is worse than 71.46% of its industry peers.
In the last couple of years the Profit Margin of HFBL has declined.
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) 17%
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.
The number of shares outstanding for HFBL has been increased compared to 1 year ago.
Compared to 5 years ago, HFBL has less shares outstanding
HFBL has a better debt/assets ratio than last year.
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 0.89, which is an excellent value as it means it would take HFBL, only 0.89 years of fcf income to pay off all of its debts.
With a decent Debt to FCF ratio value of 0.89, HFBL is doing good in the industry, outperforming 76.01% 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.
Looking at the Debt to Equity ratio, with a value of 0.08, HFBL is in the better half of the industry, outperforming 76.26% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.08
Debt/FCF 0.89
Altman-Z N/A
ROIC/WACCN/A
WACC29.89%
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 -19.44% in the last year.
Measured over the past years, HFBL shows a decrease in Earnings Per Share. The EPS has been decreasing by -1.39% on average per year.
Looking at the last year, HFBL shows a decrease in Revenue. The Revenue has decreased by -7.98% in the last year.
The Revenue has been growing slightly by 3.02% on average over the past years.
EPS 1Y (TTM)-19.44%
EPS 3Y-9.45%
EPS 5Y-1.39%
EPS Q2Q%2.32%
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

Based on the Price/Earnings ratio of 11.84, the valuation of HFBL can be described as reasonable.
HFBL's Price/Earnings ratio is in line with the industry average.
HFBL's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.70.
Industry RankSector Rank
PE 11.84
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 somewhat cheap valuation: HFBL is cheaper than 74.49% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 8.44
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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7

5. Dividend

5.1 Amount

HFBL has a Yearly Dividend Yield of 3.87%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.34, HFBL pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.36, HFBL pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.87%

5.2 History

On average, the dividend of HFBL grows each year by 12.42%, which is quite nice.
HFBL has been paying a dividend for at least 10 years, so it has 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

48.06% of the earnings are spent on dividend by HFBL. This is a bit on the high side, but may be sustainable.
DP48.06%
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 (5/20/2025, 11:48:31 AM)

12.91

-0.37 (-2.79%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)05-01 2025-05-01/amc
Earnings (Next)07-24 2025-07-24
Inst Owners8.69%
Inst Owner Change-2.62%
Ins Owners14.66%
Ins Owner Change-0.75%
Market Cap40.41M
Analysts0
Price TargetN/A
Short Float %0.35%
Short Ratio1.57
Dividend
Industry RankSector Rank
Dividend Yield 3.87%
Yearly Dividend0.5
Dividend Growth(5Y)12.42%
DP48.06%
Div Incr Years10
Div Non Decr Years10
Ex-Date04-28 2025-04-28 (0.13)
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 11.84
Fwd PE N/A
P/S 2.06
P/FCF 8.44
P/OCF 6.77
P/B 0.75
P/tB 0.81
EV/EBITDA N/A
EPS(TTM)1.09
EY8.44%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.53
FCFY11.84%
OCF(TTM)1.91
OCFY14.77%
SpS6.26
BVpS17.23
TBVpS15.94
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.55%
ROE 6.18%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 17%
GM N/A
FCFM 24.42%
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 0.89
Debt/EBITDA N/A
Cap/Depr 97.29%
Cap/Sales 6.04%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 143.65%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC29.89%
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)-19.44%
EPS 3Y-9.45%
EPS 5Y-1.39%
EPS Q2Q%2.32%
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-66.3%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-60.55%
OCF growth 3Y-34.71%
OCF growth 5Y-13.76%