NasdaqCM:HFBL

Stock Analysis Report

Home Federal Bancorp of Louisiana

Executive Summary

Home Federal Bancorp, Inc. of Louisiana operates as the holding company for Home Federal Bank, a chartered savings bank that provides financial services to individuals, corporate entities, and other organizations in the Shreveport-Bossier City metropolitan area.

Snowflake

Fundamentals

Excellent balance sheet average dividend payer.

Risks

  • Home Federal Bancorp of Louisiana is not covered by any analysts.

Similar Companies

Share Price & News

How has Home Federal Bancorp of Louisiana's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

-8.0%

NasdaqCM:HFBL

2.4%

US Mortgage

2.9%

US Market


1 Year Return

-6.5%

NasdaqCM:HFBL

-1.5%

US Mortgage

0.2%

US Market

HFBL underperformed the Mortgage industry which returned -2% over the past year.

HFBL underperformed the Market in United States of America which returned -0.7% over the past year.


Share holder returns

HFBLIndustryMarket
7 Day-8.0%2.4%2.9%
30 Day-0.06%-1.5%-2.3%
90 Day-4.3%0.6%3.1%
1 Year-4.8%-6.5%0.6%-1.5%2.4%0.2%
3 Year45.6%38.5%32.6%23.8%41.7%32.4%
5 Year83.5%69.5%58.2%41.6%55.1%37.9%

Price Volatility Vs. Market

How volatile is Home Federal Bancorp of Louisiana's share price compared to the market and industry in the last 5 years?


Simply Wall St News

Valuation

Is Home Federal Bancorp of Louisiana undervalued based on future cash flows and its price relative to the stock market?

11.95x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

Home Federal Bancorp of Louisiana's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).

Home Federal Bancorp of Louisiana's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).


Price Based on Earnings

Home Federal Bancorp of Louisiana is good value based on earnings compared to the US Mortgage industry average.

Home Federal Bancorp of Louisiana is good value based on earnings compared to the United States of America market.


Price Based on Expected Growth

Unable to calculate PEG ratio for Home Federal Bancorp of Louisiana, we can't assess if its growth is good value.


Price Based on Value of Assets

Home Federal Bancorp of Louisiana is overvalued based on assets compared to the US Mortgage industry average.


Next Steps

Future Growth

How is Home Federal Bancorp of Louisiana expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

2.6%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Unable to determine if Home Federal Bancorp of Louisiana is high growth as no revenue estimate data is available.

Home Federal Bancorp of Louisiana's earnings are expected to grow by 2.6% yearly, however this is not considered high growth (20% yearly).

Unable to compare Home Federal Bancorp of Louisiana's revenue growth to the United States of America market average as no estimate data is available.

Home Federal Bancorp of Louisiana's earnings growth is positive but not above the United States of America market average.

Home Federal Bancorp of Louisiana's earnings growth is positive but not above the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

Unable to establish if Home Federal Bancorp of Louisiana will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

How has Home Federal Bancorp of Louisiana performed over the past 5 years?

8.2%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Home Federal Bancorp of Louisiana's year on year earnings growth rate has been positive over the past 5 years.

Home Federal Bancorp of Louisiana's 1-year earnings growth exceeds its 5-year average (32.9% vs 8.2%)

Home Federal Bancorp of Louisiana's earnings growth has not exceeded the US Mortgage industry average in the past year (32.9% vs 32.9%).


Return on Equity

Home Federal Bancorp of Louisiana has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

Home Federal Bancorp of Louisiana used its assets more efficiently than the US Mortgage industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if Home Federal Bancorp of Louisiana improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


Next Steps

Financial Health

How is Home Federal Bancorp of Louisiana's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet

Information is not available.

Information is not available.


Financial Institutions Analysis

Home Federal Bancorp of Louisiana has an acceptable proportion of non-loan assets held.

Home Federal Bancorp of Louisiana has a low allowance for bad loans.

Home Federal Bancorp of Louisiana's liabilities are made up of primarily low risk sources of funding.

Home Federal Bancorp of Louisiana's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).

Loans at Home Federal Bancorp of Louisiana are broadly funded by customer deposits.

Home Federal Bancorp of Louisiana has an acceptable level of bad loans (less than 2%).


Next Steps

Dividend

What is Home Federal Bancorp of Louisiana's current dividend yield, its reliability and sustainability?

2.00%

Current Dividend Yield


Dividend Yield and Payments Analysis

Home Federal Bancorp of Louisiana's pays a higher dividend yield than the bottom 25% of dividend payers in United States of America (1.49%).

Home Federal Bancorp of Louisiana's dividend is below the markets top 25% of dividend payers in United States of America (3.85%).

Dividends per share have been stable in the past 10 years.

Dividends per share have increased over the past 10 years.


Current Payout to Shareholders

Dividends paid are well covered by earnings (4.8x coverage).


Future Payout to Shareholders

Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.


Next Steps

Management

What is the CEO of Home Federal Bancorp of Louisiana's salary, the management and board of directors tenure and is there insider trading?

6.3yrs

Average management tenure


CEO

Jim Barlow (51yo)

3.6yrs

Tenure

US$475,101

Compensation

Mr. James R. Barlow, also known as Jim, has been the Chief Executive Officer of Home Federal Bank (Shreveport, LA) (a/k/a Home Federal Savings and Loan Association) since January 1, 2013. Mr. Barlow has be ...


CEO Compensation Analysis

Jim's remuneration is about average for companies of similar size in United States of America.

Jim's compensation has been consistent with company performance over the past year, both up more than 20%.


Management Age and Tenure

6.3yrs

Average Tenure

63yo

Average Age

The average tenure for the Home Federal Bancorp of Louisiana management team is over 5 years, this suggests they are a seasoned and experienced team.


Board Age and Tenure

13.2yrs

Average Tenure

66.5yo

Average Age

The average tenure for the Home Federal Bancorp of Louisiana board of directors is over 10 years, this suggests they are a seasoned and experienced board.


Insider Trading

More shares have been bought than sold by Home Federal Bancorp of Louisiana individual insiders in the past 3 months, but not in substantial volumes.


Recent Insider Transactions

BuyUS$10,51028 Jun 19
James Barlow
EntityIndividual
Role
Chief Executive Officer
President
Shares320.04
Max PriceUS$33.09
SellUS$85,91618 Dec 18
Timothy Wilhite
EntityIndividual
Role
Member of the Board of Directors
Director
Shares2,690
Max PriceUS$32.50
SellUS$3,54818 Dec 18
Timothy Wilhite
EntityIndividual
Role
Member of the Board of Directors
Director
Shares110
Max PriceUS$32.25
SellUS$90,35620 Sep 18
James Barlow
EntityIndividual
Role
Chief Executive Officer
President
Shares2,619
Max PriceUS$34.50

Ownership Breakdown


Management Team

  • Glen Brown (62yo)

    Senior VP & CFO

    • Tenure: 5.1yrs
  • DeNell Mitchell (63yo)

    VP, Senior Lending Officer & Secretary

    • Tenure: 14.6yrs
  • Jim Barlow (51yo)

    President

    • Tenure: 3.6yrs
    • Compensation: US$475.10k
  • Dawn Fitzgerald-Williams

    Senior Vice President Human Resources

    • Tenure: 0.0yrs
  • Greg Doyal

    Senior Vice President of Commercial Banking - Home Federal Bank

    • Tenure: 6.0yrs
  • Mary Jones (66yo)

    Senior VP of Retail - Home Federal Bank & COO of Home Federal Bank

    • Tenure: 8.1yrs
  • Adalberto Cantu (69yo)

    Senior VP of Home Federal Bank & Senior Credit Officer of Home Federal Bank

    • Tenure: 6.5yrs

Board Members

  • Scott Lawrence (73yo)

    Director

    • Tenure: 25.6yrs
    • Compensation: US$17.80k
  • Walter Colquitt (74yo)

    Director

    • Tenure: 26.6yrs
    • Compensation: US$17.50k
  • Woodus Humphrey (79yo)

    Director

    • Tenure: 18.6yrs
    • Compensation: US$17.50k
  • Dan Herndon (79yo)

    Chairman of the Board

    • Tenure: 14.6yrs
    • Compensation: US$185.94k
  • Mark Harrison (60yo)

    Director

    • Tenure: 11.8yrs
    • Compensation: US$18.00k
  • Jim Barlow (51yo)

    President

    • Tenure: 3.6yrs
    • Compensation: US$475.10k
  • Tim Wilhite (50yo)

    Director

    • Tenure: 9.4yrs
    • Compensation: US$16.75k
  • Thomas Trawick (50yo)

    Director

    • Tenure: 7.6yrs
    • Compensation: US$17.90k

Company Information

Home Federal Bancorp, Inc. of Louisiana's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Home Federal Bancorp, Inc. of Louisiana
  • Ticker: HFBL
  • Exchange: NasdaqCM
  • Founded: 1924
  • Industry: Thrifts and Mortgage Finance
  • Sector: Banks
  • Market Cap: US$55.654m
  • Shares outstanding: 1.74m
  • Website: https://www.hfbla.com

Number of Employees


Location

  • Home Federal Bancorp, Inc. of Louisiana
  • 624 Market Street
  • Shreveport
  • Louisiana
  • 71101
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
HFBLNasdaqCM (Nasdaq Capital Market)YesCommon StockUSUSDJan 2005

Biography

Home Federal Bancorp, Inc. of Louisiana operates as the holding company for Home Federal Bank, a chartered savings bank that provides financial services to individuals, corporate entities, and other organi ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/21 23:56
End of Day Share Price2019/08/19 00:00
Earnings2019/06/30
Annual Earnings2019/06/30


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.