Home Federal Bancorp Of Louisiana (HFBL) AI Stock Analysis

• Market Cap: $41.67M
• Dividend Yield: 3.87%
• Average Volume (3M): 2.52K
• Price to Earnings (P/E): 12.3
• Beta (1Y): -0.09
• Revenue Growth: 1.27%
• EPS Growth: -27.46%
• Country: US
• Employees: 78
• Sector: Financial
• Sector Strength: 86
• Industry: Banks - Regional
• EPS (TTM): 1.08
• Shares Outstanding: 3,132,764
• 10 Day Avg. Volume: 5,111
• 30 Day Avg. Volume: 2,525
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): 2.13
• Price to Cash Flow (P/CF): 4.00
• P/FCF Ratio: 2.00
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

Home Federal Bancorp Of Louisiana's stock score reflects a strong financial foundation with no debt and good profitability. Although revenue growth has declined, strong cost management and improving cash flow are positives. The stock's valuation is attractive with a low P/E ratio and a decent dividend yield. Technical indicators show positive momentum without significant overbought risks. Overall, the stock is positioned well, though revenue trends should be monitored.

Home Federal Bancorp Of Louisiana Business Overview & Revenue Model

Company Description

Home 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.

How the Company Makes Money

Home Federal Bancorp of Louisiana makes money primarily through the interest income earned on its loan portfolio, which includes personal, commercial, and mortgage loans. Additionally, the institution generates revenue from service charges and fees related to its banking services, such as checking and savings account maintenance fees, overdraft fees, and transaction fees. The company may also earn income from investments in securities and other financial instruments. Partnerships with other financial entities and its role in facilitating loans and other financial products could contribute to its earnings, although specific partnerships are not detailed.

Home Federal Bancorp Of Louisiana Financial Statement Overview

Summary

Home Federal Bancorp Of Louisiana presents a financially stable picture with strong profitability and no debt burden. While the income statement shows effective cost management, the decline in revenue growth is a concern. The balance sheet demonstrates a sound equity base, and cash flow generation is improving, though there is still potential for better cash conversion. Overall, the company is in a strong financial position with some areas to monitor for future growth.

Income Statement

The income statement reflects a stable financial performance with positive growth. Gross profit margin for TTM is robust, and net profit margin is reasonable at 13.01%. EBIT margin is strong at 41.56%, demonstrating efficient cost management. However, there is a negative revenue growth of 12.68% over the past year, signaling a potential concern.

Balance Sheet

The balance sheet is solid, with a strong equity position. The debt-to-equity ratio is 0, indicating no reliance on debt financing, which reduces financial risk. Equity ratio is healthy at 8.87%, and ROE for TTM stands at 6.18%. The company's assets are well-supported by equity, showcasing financial stability.

Cash Flow

Cash flow metrics are mixed, with a free cash flow growth rate of 111.02% indicating improved cash generation. The operating cash flow to net income ratio is 0.71, showing adequate cash conversion. However, the free cash flow to net income ratio is 0.36, suggesting room for improvement in converting profits to cash.

Breakdown
TTM	Jun 2024	Jun 2023	Jun 2022	Jun 2021	Jun 2020
Income Statement		Total Revenue
25.59M	20.50M	23.45M	20.61M	22.03M	18.76M
	Gross Profit
29.09M	20.50M	23.45M	20.61M	22.03M	18.76M
	EBIT
10.63M	4.07M	6.77M	7.88M	6.81M	4.81M
	EBITDA
2.35M	5.35M	7.64M	6.76M	7.47M	5.46M
	Net Income Common Stockholders
3.33M	3.59M	5.70M	4.87M	5.37M	3.85M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
15.38M	34.95M	64.32M	70.35M	133.96M	96.93M
	Total Assets
170.81M	637.51M	660.91M	590.48M	565.73M	518.22M
	Total Debt
34.03M	7.00M	8.55M	3.18M	3.27M	3.36M
	Net Debt
18.65M	-8.25M	-16.21M	-60.90M	-101.14M	-51.51M
	Total Liabilities
138.73M	584.71M	8.55M	538.13M	513.01M	467.69M
	Stockholders Equity
32.09M	52.80M	50.54M	52.35M	52.73M	50.53M
Cash Flow		Free Cash Flow
1.21M	-368.00K	10.92M	14.48M	5.98M	-770.00K
	Operating Cash Flow
2.38M	2.32M	12.11M	17.06M	8.33M	200.00K
	Investing Cash Flow
42.44M	34.48M	-115.31M	-78.79M	-1.42M	-32.51M
	Financing Cash Flow
-50.38M	-26.62M	63.90M	21.41M	42.62M	69.07M

Home Federal Bancorp Of Louisiana Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 13.30
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HFBL, the sentiment is Positive. The current price of 13.3 is above the 20-day moving average (MA) of 13.03, above the 50-day MA of 12.99, and above the 200-day MA of 12.47, indicating a bullish trend. The MACD of 0.05 indicates Negative momentum. The RSI at 52.89 is Neutral, neither overbought nor oversold. The STOCH value of 69.76 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for HFBL.

Home Federal Bancorp Of Louisiana Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
HFBL	77 Outperform	$41.67M	12.27	6.25%	3.87%	1.27%	-27.46%
BANF	70 Outperform	$3.42B	15.97	14.16%	1.76%	12.93%	1.40%
FFIN	69 Neutral	$4.48B	20.06	14.39%	2.30%	18.54%	12.22%
SBCF	67 Neutral	$1.89B	15.49	5.64%	3.27%	5.40%	16.13%
SFNC	65 Neutral	$2.24B	14.72	4.39%	5.92%	6.86%	-12.06%
Sector *	64 Neutral	$13.37B	9.30	9.39%	4.85%	16.11%	-8.85%
IBTX	47 Neutral	$2.51B	―	-22.16%	2.50%	14.09%	-729.23%

Home Federal Bancorp Of Louisiana Corporate Events

Home Federal Bancorp Promotes Cantu in Management Shift

On January 15, 2025, Home Federal Bank promoted Mr. Adalberto Cantu, Jr. to Executive Vice President and Chief Banking Officer as part of a management realignment. This move, endorsed by the bank’s President and CEO, Mr. James R. Barlow, aims to enhance the bank’s response to the growing complexities in its lending operations and regulatory environment. Consequently, Mr. K. Matthew Sawrie and Mr. David S. Barber, who are Senior Vice Presidents of Commercial and Mortgage Lending respectively, will now report to Mr. Cantu and will no longer serve as executive officers.