HOME FEDERAL BANCORP INC/LA (HFBL)
US43708L1089 - Common Stock
HFBL gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 412 industry peers in the Banks industry. HFBL has a bad profitability rating. Also its financial health evaluation is rather negative. HFBL has a expensive valuation and it also scores bad on growth. HFBL also has an excellent dividend rating.
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.
1.2 Ratios
HFBL's Return On Assets of 0.69% is on the low side compared to the rest of the industry. HFBL is outperformed by 64.81% of its industry peers.
HFBL has a Return On Equity of 8.64%. This is comparable to the rest of the industry: HFBL outperforms 45.87% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.69% | ||
| ROE | 8.64% | ||
| ROIC | N/A |
ROA(3y)0.88%
ROA(5y)0.89%
ROE(3y)10.26%
ROE(5y)9.57%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
The Profit Margin of HFBL (20.02%) is worse than 66.50% of its industry peers.
HFBL's Profit Margin has improved in the last couple of years.
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) | 20.02% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y6.1%
PM growth 5Y3.88%
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.
The number of shares outstanding for HFBL has been reduced compared to 1 year ago.
HFBL has less shares outstanding than it did 5 years ago.
HFBL has a worse debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of HFBL is 2.24, which is a good value as it means it would take HFBL, 2.24 years of fcf income to pay off all of its debts.
HFBL has a Debt to FCF ratio (2.24) which is comparable to the rest of the industry.
HFBL has a Debt/Equity ratio of 0.19. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.19, HFBL is in line with its industry, outperforming 57.52% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.19 | ||
| Debt/FCF | 2.24 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC17.89%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
HFBL shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -16.85%.
HFBL shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 14.25% yearly.
The Revenue has been growing slightly by 2.67% in the past year.
The Revenue has been growing slightly by 5.71% on average over the past years.
EPS 1Y (TTM)-16.85%
EPS 3Y19.15%
EPS 5Y14.25%
EPS growth Q2Q-40.89%
Revenue 1Y (TTM)2.67%
Revenue growth 3Y7.42%
Revenue growth 5Y5.71%
Revenue growth Q2Q-13.99%
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 cheaply with a Price/Earnings ratio of 7.88.
Based on the Price/Earnings ratio, HFBL is valued a bit cheaper than the industry average as 76.70% of the companies are valued more expensively.
The average S&P500 Price/Earnings ratio is at 27.73. HFBL is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.88 | ||
| Fwd PE | N/A |
4.2 Price Multiples
HFBL's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. HFBL is cheaper than 60.44% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.1 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.55
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
HFBL has a Yearly Dividend Yield of 4.34%, which is a nice return.
HFBL's Dividend Yield is a higher than the industry average which is at 3.76.
Compared to an average S&P500 Dividend Yield of 2.41, HFBL pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.34% |
5.2 History
The dividend of HFBL is nicely growing with an annual growth rate of 14.52%!
HFBL has been paying a dividend for at least 10 years, so it has a reliable track record.
As HFBL did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)14.52%
Div Incr Years9
Div Non Decr Years9
5.3 Sustainability
33.77% 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.
DP33.77%
EPS Next 2YN/A
EPS Next 3YN/A
HOME FEDERAL BANCORP INC/LA
NASDAQ:HFBL (5/3/2024, 7:00:01 PM)
11.5
-0.1 (-0.86%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap36.11M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.34% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
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Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
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Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.88 | ||
| Fwd PE | N/A | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)0.55
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.69% | ||
| ROE | 8.64% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 20.02% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.19 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-16.85%
EPS 3Y19.15%
EPS 5Y
EPS growth Q2Q
EPS Next YN/A
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)2.67%
Revenue growth 3Y7.42%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y