HOME FEDERAL BANCORP INC/LA (HFBL) Fundamental Analysis & Valuation

NASDAQ:HFBL • US43708L1089

Current stock price

19.25 USD
+0.05 (+0.26%)
Last:

This HFBL fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. HFBL Profitability Analysis

1.1 Basic Checks

  • In the past year HFBL was profitable.
  • HFBL had a positive operating cash flow in the past year.
  • In the past 5 years HFBL has always been profitable.
  • Each year in the past 5 years HFBL had a positive operating cash flow.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5M 10M 15M

1.2 Ratios

  • HFBL's Return On Assets of 0.84% is on the low side compared to the rest of the industry. HFBL is outperformed by 62.86% of its industry peers.
  • HFBL has a Return On Equity (9.01%) which is in line with its industry peers.
Industry RankSector Rank
ROA 0.84%
ROE 9.01%
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
HFBL Yearly ROA, ROE, ROICHFBL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • Looking at the Profit Margin, with a value of 22.83%, HFBL is doing worse than 62.60% of the companies in the same industry.
  • 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 RankSector Rank
OM N/A
PM (TTM) 22.83%
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
HFBL Yearly Profit, Operating, Gross MarginsHFBL Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20 25

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4

2. HFBL Health Analysis

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.
  • 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.
HFBL Yearly Shares OutstandingHFBL Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1M 2M 3M
HFBL Yearly Total Debt VS Total AssetsHFBL Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M

2.2 Solvency

  • The Debt to FCF ratio of HFBL is 0.58, which is an excellent value as it means it would take HFBL, only 0.58 years of fcf income to pay off all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 0.58, HFBL is in the better half of the industry, outperforming 77.98% of the companies in the same industry.
  • A Debt/Equity ratio of 0.08 indicates that HFBL is not too dependend on debt financing.
  • HFBL's Debt to Equity ratio of 0.08 is fine compared to the rest of the industry. HFBL outperforms 75.60% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.08
Debt/FCF 0.58
Altman-Z N/A
ROIC/WACCN/A
WACC23.58%
HFBL Yearly LT Debt VS Equity VS FCFHFBL Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2M 4M 6M 8M 10M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. HFBL Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 56.19% over the past year.
  • Measured over the past 5 years, HFBL shows a small growth in Earnings Per Share. The EPS has been growing by 3.37% on average per year.
  • HFBL shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 16.32%.
  • The Revenue has been growing slightly by 1.62% on average over the past years.
EPS 1Y (TTM)56.19%
EPS 3Y-3.6%
EPS 5Y3.37%
EPS Q2Q%65%
Revenue 1Y (TTM)16.32%
Revenue growth 3Y-0.26%
Revenue growth 5Y1.62%
Sales Q2Q%18.22%

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M 20M

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4

4. HFBL Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 11.32, the valuation of HFBL can be described as reasonable.
  • 68.17% of the companies in the same industry are more expensive than HFBL, based on the Price/Earnings ratio.
  • HFBL's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.87.
Industry RankSector Rank
PE 11.32
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

  • HFBL's Price/Free Cash Flow ratio is rather cheap when compared to the industry. HFBL is cheaper than 84.08% of the companies in the same industry.
Industry RankSector Rank
P/FCF 7.77
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)3.36
EPS Next 2YN/A
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. HFBL Dividend Analysis

5.1 Amount

  • HFBL has a Yearly Dividend Yield of 2.88%.
  • HFBL's Dividend Yield is a higher than the industry average which is at 2.57.
  • HFBL's Dividend Yield is rather good when compared to the S&P500 average which is at 1.81.
Industry RankSector Rank
Dividend Yield 2.88%

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 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 Years11
Div Non Decr Years11
HFBL Yearly Dividends per shareHFBL Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.1 0.2 0.3 0.4 0.5

5.3 Sustainability

  • 31.56% of the earnings are spent on dividend by HFBL. This is a low number and sustainable payout ratio.
  • HFBL's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP31.56%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5M 10M
HFBL Dividend Payout.HFBL Dividend Payout, showing the Payout Ratio.HFBL Dividend Payout.PayoutRetained Earnings

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HFBL Fundamentals: All Metrics, Ratios and Statistics

HOME FEDERAL BANCORP INC/LA

NASDAQ:HFBL (4/17/2026, 8:18:44 PM)

19.25

+0.05 (+0.26%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-28
Earnings (Next)04-24
Inst Owners7.19%
Inst Owner Change0%
Ins Owners12.01%
Ins Owner Change7.39%
Market Cap59.10M
Revenue(TTM)22.79M
Net Income(TTM)5.20M
Analysts0
Price TargetN/A
Short Float %0.15%
Short Ratio0.8
Dividend
Industry RankSector Rank
Dividend Yield 2.88%
Yearly Dividend0.52
Dividend Growth(5Y)10.26%
DP31.56%
Div Incr Years11
Div Non Decr Years11
Ex-Date04-27
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 11.32
Fwd PE N/A
P/S 2.59
P/FCF 7.77
P/OCF 7.73
P/B 1.02
P/tB 1.09
EV/EBITDA N/A
EPS(TTM)1.7
EY8.83%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)2.48
FCFY12.88%
OCF(TTM)2.49
OCFY12.93%
SpS7.42
BVpS18.81
TBVpS17.58
PEG (NY)N/A
PEG (5Y)3.36
Graham Number26.8237 (39.34%)
Profitability
Industry RankSector Rank
ROA 0.84%
ROE 9.01%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 22.83%
GM N/A
FCFM 33.39%
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 RankSector Rank
Debt/Equity 0.08
Debt/FCF 0.58
Debt/EBITDA N/A
Cap/Depr 2.39%
Cap/Sales 0.15%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 146.27%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score9
WACC23.58%
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)56.19%
EPS 3Y-3.6%
EPS 5Y3.37%
EPS Q2Q%65%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)16.32%
Revenue growth 3Y-0.26%
Revenue growth 5Y1.62%
Sales Q2Q%18.22%
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 1Y70.61%
FCF growth 3Y-27.92%
FCF growth 5YN/A
OCF growth 1Y10.93%
OCF growth 3Y-31.55%
OCF growth 5Y93.83%

HOME FEDERAL BANCORP INC/LA / HFBL Fundamental Analysis 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 4 / 10 to HOME FEDERAL BANCORP INC/LA (HFBL). This can be considered as Fairly Valued.


What is the profitability of HFBL stock?

HOME FEDERAL BANCORP INC/LA (HFBL) has a profitability rating of 3 / 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 11.32 and the Price/Book (PB) ratio is 1.02.


Is the dividend of HOME FEDERAL BANCORP INC/LA sustainable?

The dividend rating of HOME FEDERAL BANCORP INC/LA (HFBL) is 7 / 10 and the dividend payout ratio is 31.56%.