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Home Federal Bancorp, Inc. of Louisiana(HFBL)Earnings, Financials & Key Ratios
HFBL•NASDAQ•Banking & Credit
$22.90
18.2× P/E·Price updated Jul 7, 2026
AboutHome Federal Bancorp, Inc. of Louisiana operates as the holding company for Home Federal Bank that provides various financial services to individuals, corporate entities, and other organizations. The company accepts various deposits, such as passbook savings, certificates of deposit, and demand deposit accounts. Its loan products include one-to-four family residential real estate loans; commercial real estate secured loans; multi-family residential loans; commercial business loans; land loans; construction loans; home equity and second mortgage loans; equity lines of credit; and consumer non-real estate loans, including loans secured by deposit accounts, automobile loans, overdrafts, and other unsecured loans. As of August 25, 2021, it operated seven full-service banking offices. The company was founded in 1924 and is based in Shreveport, Louisiana.Show more
- Net Interest Income$19M-1.5%
- Total Revenue$32M-2.9%
- Net Income$4M+8.2%
- Return on Equity7.2%+3.5%
- Net Interest Margin3.06%+3.1%
- Efficiency Ratio49.53%+1.3%
- ROA0.62%+12.7%
- Equity / Assets9.06%+9.4%
- Book Value per Share17.88+4.4%
HFBL Price & Volume
Home Federal Bancorp, Inc. of Louisiana (HFBL) stock price & volume — 10-year historical chart
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Conservative Capital Structure Limits Regional Growth Potential
Investment Thesis • Updated 2026Q3
VerdictNeutral
Growth:Accelerating
Profitability:Moderate
Financial:Fortress
Cash Flow:Mixed
Primary Risk:Regional economic concentration
Key Thesis Takeaways
- Home Federal Bancorp maintains a fortress-like balance sheet with an equity-to-assets ratio of 0.09, yet this extreme conservatism appears to suppress return on equity, which languished at 2.5% in 2026Q3.
- While the bank has successfully grown net interest income to $5.4M, persistent net interest margin constraints between 0.7% and 0.9% suggest limited pricing power in the Shreveport-Bossier City market.
- Investors should monitor whether management can pivot from its heavy reliance on a $581.2M investment securities portfolio toward more productive loan-based assets to drive meaningful earnings expansion.
Verdict Logic
while the bank exhibits a fortress balance sheet with an equity-to-assets ratio of 0.09, the low 2.5% ROE and stagnant 0.8% NIM suggest limited upside for capital appreciation at the current 1.17 P/B valuation.
HFBL Growth Metrics
Home Federal Bancorp, Inc. of Louisiana (HFBL) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years6.39%
5 Years6.21%
3 Years12.86%
TTM-
Profit CAGR
10 Years1.49%
5 Years0.2%
3 Years-7.25%
TTM77.05%
EPS CAGR
10 Years4.26%
5 Years3.32%
3 Years-3.68%
TTM76.15%
Return on Capital
10 Years9.94%
5 Years10.68%
3 Years9.66%
Last Year8.04%
Peers Comparison
Key metrics vs top competitors for Home Federal Bancorp, Inc. of Louisiana (HFBL)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $22.90 | $69.93M | 18.17 | -2.88% | 12.02% | 7.2% | 2.3% | |
| $29.44 | $1B | 15.02 | 5.92% | 20.5% | 7.58% | — | |
| $23.29 | $224.61M | 15.95 | -9.41% | 16.49% | 8% | — | |
| $49.63 | $2.58B | 14.90 | 10.36% | 19.66% | 9.83% | — | |
| $68.55 | $537.61M | 11.68 | 4.93% | 22.17% | 10.86% | — | |
| $9.85 | $1.26B | 19.31 | -23.26% | 13.74% | 3.72% | — |
Compare HFBL vs Peers
Home Federal Bancorp, Inc. of Louisiana (HFBL) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
HFBL SEC Filings & Documents
Home Federal Bancorp, Inc. of Louisiana (HFBL) SEC filings — annual & quarterly reports (10-K, 10-Q)
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HFBL Frequently Asked Questions
Home Federal Bancorp, Inc. of Louisiana (HFBL) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is Home Federal Bancorp, Inc. of Louisiana growing?
Home Federal Bancorp, Inc. of Louisiana (HFBL) saw revenue decline by 2.9% over the past year.
Is HFBL profitable?
Yes, Home Federal Bancorp, Inc. of Louisiana (HFBL) is profitable, generating $5.9M in net income for fiscal year 2025 (12.0% net margin).
Dividend & Returns
Does HFBL pay dividends?
Yes, Home Federal Bancorp, Inc. of Louisiana (HFBL) pays a dividend with a yield of 2.30%. This makes it attractive for income-focused investors.
What is HFBL's return on equity?
Home Federal Bancorp, Inc. of Louisiana (HFBL) has a return on equity (ROE) of 7.2%. This is below average, suggesting room for improvement.
Industry Metrics
What is Home Federal Bancorp, Inc. of Louisiana's net interest margin?
Home Federal Bancorp, Inc. of Louisiana (HFBL) has a net interest margin (NIM) of 3.1%. This indicates healthy earnings from lending activities.
What is Home Federal Bancorp, Inc. of Louisiana's efficiency ratio?
Home Federal Bancorp, Inc. of Louisiana (HFBL) has an efficiency ratio of 49.5%. This is excellent, indicating strong cost control.