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Company Analysis

Home Federal Bancorp, Inc. of L HFBL

A comprehensive view of key metrics, scores, and financial health for Home Federal Bancorp, Inc. of L

Overview of Home Federal Bancorp, Inc. of Louisiana

HFBL NCM
Financial Services Banks - Regional Micro Cap
Home Federal Bancorp, Inc. of Louisiana (HFBL), is a Micro Cap company, in the Banks - Regional industry, last closed at $17.56, about 10.7% undervalued vs fair value, +42.6% 1Y return, ranked 387/1004 in sector.
$17.56
-0.06%
As of March 13, 2026
Previous close • Vol 90d: 50.8%
52-Week Range
Market Cap
$53.99M
Enterprise Value
$38.72M
Overall Score
Scores locked

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Top Beats
No strong beats yet

Quick Facts

Website https://www.hfb.bank
HQ Shreveport, LA
Employees 67
Fiscal year Jun 30

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$11
$19
$36
Current: $17.56 +11% vs base

Engine Room Money Flow™

Micro Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$30.5M
-4.4%%
Interest Expense
$11.8M
Net Interest Income
$18.7M
-1.5%%
Total Revenue
$20.5M
0.8%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
7.0%
Fair

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$2.7M
69.5% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Home Federal Bancorp, Inc. of L's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
65
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
56
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing HFBL's balance between Growth (10.5%), Profitability (53.5%), and Safety (36.0%). Growth 11% Safety 36% Profitability 54%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

8th percentile vs peers
9
Key Signals
Rev Growth YoY 0.8% 11p Revenue CAGR 3Y -0.1% 7p Asset Growth YoY -4.4% 7p
Strengths

No notable strengths identified for this axis.

Risks
  • Growth in bottom 20% of peers (percentile: 8)
  • Rev Growth Yoy in bottom 20% of peers (0.8%)
  • Asset Growth Yoy in bottom 20% of peers (-4.4%)

Profitability

45th percentile vs peers
46
Key Signals
Strengths
Risks
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Safety

30th percentile vs peers
31
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Home Federal Bancorp, Inc. of L.

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
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Bear
-
- - -
- upside
-
Base
$19.44
- - -
+10.7% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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