Latest Ratios: P/E Ratio 18.2x · EV/EBITDA 9.6x · ROE 7.2%. (2004–2025 historical series)
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $70M | $42M | $35M | $44M | $68M | $67M | $45M | $63M | $58M | $51M | $42M |
| Enterprise Value | $58M | $30M | $27M | $33M | $29M | $9M | $11M | $49M | $63M | $94M | $85M |
| P/E Ratio → | 18.17 | 10.79 | 9.80 | 7.76 | 13.94 | 12.42 | 11.59 | 13.30 | 16.22 | 14.04 | 12.33 |
| P/S Ratio | 2.16 | 1.30 | 1.06 | 1.55 | 3.03 | 2.64 | 1.86 | 2.87 | 2.75 | 2.52 | 2.26 |
| P/B Ratio | 1.28 | 0.76 | 0.67 | 0.88 | 1.30 | 1.27 | 0.88 | 1.25 | 1.24 | 1.11 | 0.96 |
| P/FCF | 12.89 | 7.74 | — | 4.05 | 4.70 | 11.18 | — | 28.83 | 4.61 | 19.04 | 9.40 |
| P/OCF | 12.78 | 7.67 | 15.25 | 3.66 | 3.99 | 8.02 | 222.88 | 13.13 | 4.43 | 15.25 | 5.91 |
P/E links to full P/E history page with 30-year chart
Enterprise-value multiples — capital-structure-neutral measures of total business value
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 0.92 | 0.81 | 1.16 | 1.29 | 0.37 | 0.47 | 2.25 | 2.98 | 4.61 | 4.61 |
| EV / EBITDA | 9.59 | 4.95 | 5.07 | 4.32 | 4.30 | 1.24 | 2.04 | 7.54 | 9.96 | 15.94 | 15.56 |
| EV / EBIT | 12.41 | 6.40 | 6.66 | 4.88 | 4.84 | 1.37 | 2.32 | 8.21 | 10.82 | 17.42 | 16.92 |
| EV / FCF | — | 5.49 | — | 3.02 | 2.01 | 1.56 | — | 22.64 | 5.00 | 34.86 | 19.17 |
Margins and return-on-capital ratios measuring operating efficiency
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 63.9% | 63.9% | 61.2% | 79.2% | 90.2% | 79.9% | 70.5% | 76.6% | 78.5% | 81.9% | 84.4% |
| Operating Margin | 14.4% | 14.4% | 12.2% | 23.7% | 26.7% | 26.9% | 20.1% | 27.5% | 27.5% | 26.4% | 27.2% |
| Net Profit Margin | 12.0% | 12.0% | 10.8% | 20.0% | 21.7% | 21.2% | 16.1% | 21.6% | 16.9% | 17.9% | 18.3% |
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 7.2% | 7.2% | 7.0% | 11.1% | 9.3% | 10.4% | 7.6% | 9.7% | 7.6% | 8.1% | 7.8% |
| ROA | 0.6% | 0.6% | 0.6% | 0.9% | 0.8% | 1.0% | 0.8% | 1.1% | 0.8% | 0.9% | 0.9% |
| ROIC | 5.9% | 5.9% | 5.1% | 8.9% | 8.1% | 9.3% | 6.8% | 8.1% | 5.7% | 4.3% | 4.3% |
| ROCE | 8.0% | 8.0% | 7.6% | 13.4% | 11.5% | 12.9% | 9.3% | 11.4% | 10.3% | 8.5% | 6.6% |
Solvency and debt-coverage ratios — lower is generally safer
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.07 | 0.07 | 0.13 | 0.17 | 0.06 | 0.06 | 0.07 | 0.04 | 0.25 | 1.06 | 1.11 |
| Debt / EBITDA | 0.66 | 0.66 | 1.31 | 1.12 | 0.47 | 0.44 | 0.62 | 0.28 | 1.89 | 8.27 | 8.80 |
| Net Debt / Equity | — | -0.22 | -0.16 | -0.22 | -0.75 | -1.09 | -0.66 | -0.27 | 0.10 | 0.92 | 1.00 |
| Net Debt / EBITDA | -2.03 | -2.03 | -1.54 | -1.47 | -5.78 | -7.69 | -6.12 | -2.06 | 0.77 | 7.23 | 7.93 |
| Debt / FCF | — | -2.25 | — | -1.03 | -2.70 | -9.62 | — | -6.19 | 0.39 | 15.82 | 9.77 |
| Interest Coverage | 0.39 | 0.39 | 0.32 | 1.33 | 3.20 | 2.06 | 0.93 | 1.33 | 1.67 | 1.93 | 1.92 |
Net cash position: cash ($16M) exceeds total debt ($4M)
Short-term solvency ratios and asset-utilisation metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.10 | 0.10 | 0.08 | 0.10 | 0.13 | 0.18 | 0.17 | 0.15 | 0.10 | 0.12 | 0.18 |
| Quick Ratio | 0.10 | 0.10 | 0.08 | 0.10 | 0.13 | 0.18 | 0.17 | 0.15 | 0.10 | 0.12 | 0.18 |
| Cash Ratio | 0.03 | 0.03 | 0.03 | 0.03 | 0.08 | 0.12 | 0.08 | 0.04 | 0.02 | 0.02 | 0.02 |
| Asset Turnover | — | 0.05 | 0.05 | 0.04 | 0.04 | 0.04 | 0.05 | 0.05 | 0.05 | 0.05 | 0.05 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 2.3% | 3.9% | 4.4% | 3.5% | 2.0% | 1.7% | 2.6% | 1.7% | 1.6% | 1.4% | 1.6% |
| Payout Ratio | 41.9% | 41.9% | 43.7% | 26.8% | 27.8% | 20.9% | 29.7% | 22.2% | 25.9% | 19.3% | 19.5% |
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 5.5% | 9.3% | 10.2% | 12.9% | 7.2% | 8.1% | 8.6% | 7.5% | 6.2% | 7.1% | 8.1% |
| FCF Yield | 7.8% | 12.9% | — | 24.7% | 21.3% | 8.9% | — | 3.5% | 21.7% | 5.3% | 10.6% |
| Buyback Yield | 1.5% | 2.6% | 1.4% | 13.5% | 6.6% | 3.9% | 9.3% | 3.9% | 3.4% | 1.3% | 8.0% |
| Total Shareholder Yield | 3.8% | 6.4% | 5.8% | 16.9% | 8.6% | 5.6% | 11.9% | 5.6% | 5.0% | 2.6% | 9.6% |
| Shares Outstanding | — | $3M | $3M | $3M | $3M | $3M | $4M | $4M | $4M | $4M | $4M |
Regional economic concentration
Based on recent market data, HFBL trades at a P/B of 1.17, which appears elevated relative to its modest ROE of 2.5% as reported in 2026Q3, suggesting that investors are pricing in a scarcity premium rather than immediate earnings growth or high capital efficiency.
The current valuation multiple implies that the market views the bank as a defensive asset rather than a growth vehicle. This premium pricing warrants caution, as the bank's inability to generate higher returns on equity may eventually force a valuation re-rating if the local Shreveport economy fails to provide catalysts for expansion.
As reported in quarterly financial statements, the bank's ROE of 2.5% is heavily constrained by a narrow NIM of 0.8%, indicating that the institution struggles to convert its deposit base into high-yielding assets while maintaining a conservative, low-leverage balance sheet structure.
The decomposition of profitability highlights that the bank's reliance on low-cost deposits is offset by an inability to deploy capital into higher-yielding loan products. Investors should monitor whether the bank can improve its asset utilization without sacrificing its historically disciplined credit culture.
According to recent performance metrics, the efficiency ratio has fluctuated between 41.6% and 53.1%, suggesting that the bank's fixed-cost structure remains a significant drag on profitability given the current stagnant NIM environment observed over the last ten quarters.
The bank's operating leverage appears limited by its seven-branch footprint, which necessitates consistent overhead regardless of revenue fluctuations. This suggests that any further compression in the net interest margin could lead to a rapid deterioration in the bank's overall operating margin.
Based on the reported equity-to-assets ratio of 0.09, HFBL maintains a fortress-like capital position that, while providing significant protection against regional economic shocks, inherently limits the bank's ability to achieve competitive returns on equity for its shareholders.
The bank's conservative capital management suggests a priority on solvency over aggressive growth. While this provides a buffer against potential credit losses, it may also indicate that the bank is under-utilizing its balance sheet, leaving significant potential earnings power untapped.
Investors frequently misapply the P/E ratio to HFBL, which obscures the bank's true earnings power by failing to account for the volatility introduced by subjective credit loss provisions and the bank's exceptionally low leverage, which artificially suppresses the reported return on equity.
A more appropriate metric for evaluating this institution would be the P/TBV, as it focuses on the tangible capital base and provides a clearer picture of the bank's valuation relative to its liquidation value. Relying on P/E in this context ignores the bank's structural over-capitalization and the non-cash nature of its provisioning.
Includes 30+ ratios · 22 years · Updated daily
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Quick answers to the most common questions about buying HFBL stock.
Home Federal Bancorp, Inc. of Louisiana's current P/E ratio is 18.2x. The historical average is 21.6x. This places it at the 70th percentile of its historical range.
Home Federal Bancorp, Inc. of Louisiana's current EV/EBITDA is 9.6x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 18.2x.
Home Federal Bancorp, Inc. of Louisiana's return on equity (ROE) is 7.2%. The historical average is 6.1%.
Based on historical data, Home Federal Bancorp, Inc. of Louisiana is trading at a P/E of 18.2x. This is at the 70th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
Home Federal Bancorp, Inc. of Louisiana's current dividend yield is 2.30% with a payout ratio of 41.9%.
Home Federal Bancorp, Inc. of Louisiana has 63.9% gross margin and 14.4% operating margin. Operating margin between 10-20% is typical for established companies.
Home Federal Bancorp, Inc. of Louisiana's Debt/EBITDA ratio is 0.7x, indicating low leverage. A ratio below 2x is generally considered financially healthy.