Home Federal Bancorp, Inc. of Louisiana (HFBL) AI Stock Analysis

Home Federal Bancorp, Inc. of Louisiana, established in 1924 and based in Shreveport, Louisiana, serves as the holding company for Home Federal Bank. It provides financial services to individuals, businesses, and institutional clients. Deposit offerings include passbook savings, certificates of deposit, and demand deposit accounts. The bank's lending portfolio encompasses one-to-four family residential real estate loans, commercial real estate loans, multi-family residential loans, commercial business loans, land loans, and construction loans. It also provides home equity loans, equity lines of credit, and consumer non-real estate loans. As of August 25, 2021, the company operated seven full-service banking offices.

For FY2026, revenue increased 8.2% to $35.0M, compared to $32.3M in FY2025 and $33.3M in FY2024. Gross margin rose to 67.7% in FY2026 from 63.9% in FY2025, while operating margin expanded to 22.3% from 14.4%. Net income reached $6.2M in FY2026, generating an EPS of $2.01, up from $3.9M and $1.26 in FY2025. Over the five years from FY2021 to FY2026, revenue delivered a CAGR of 6.7%. For the trailing twelve months ended June 30, 2026, revenue was $23.9M with a profit margin of 25.9%. In the latest quarter ended June 30, 2026, quarterly revenue grew 13.0% year-over-year, and quarterly earnings expanded 23.8%.

As of June 30, 2026, the company held $77.9M in cash and short-term investments against $4.4M in total debt, resulting in net cash of $73.5M. Shareholders' equity stood at $58.8M out of $643.3M in total assets, with a debt-to-equity ratio of 0.08 and a current ratio of 260.13. Operating cash flow in FY2026 was $7.6M, matching free cash flow of $7.6M after capital expenditures of $29,000. In FY2026, cash was returned through $3.3M in share buybacks and $1.7M in dividends paid, contributing to a 5-year share count change of -11.6%.

At $24.12 as of October 16, 2026, Home Federal Bancorp had a market cap of $73.1M and an enterprise value of $41.9M. Its trailing P/E of 11.9x compares to 12.1x for the median of its US-listed Financial Services peers, while its forward P/E of 11.8x is above the peer median of 10.8x. The stock trades at a price-to-sales of 3.1x versus the peer median of 3.2x, alongside a price-to-book of 1.3x and an EV to revenue of 3.3x. Over the past year, the stock returned 75.4%, outpacing the S&P 500 (SPY) return of 16.8%, but its 5-year return of 53.2% trailed SPY's 83.0%.

Home Federal Bancorp pays a quarterly dividend with a forward annual payout of $0.60, representing a dividend yield of 2.49% as of October 16, 2026. The dividend payout ratio is 27.6%, and the company has paid dividends for 22 consecutive years. The annualized 5-year dividend growth rate is 10.3%, with the last ex-dividend date on July 27, 2026.

There are no published analyst recommendations or target prices available. The next scheduled earnings report is set for October 22, 2026. Insiders own 41.6% of shares, institutional investors hold 7.8%, and short interest represents 0.2% of float.

This page is an AI-written research summary of Home Federal Bancorp, Inc. of Louisiana (HFBL). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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