| Snowflake Score | |
|---|---|
| Valuation | 3/6 |
| Future Growth | 0/6 |
| Past Performance | 2/6 |
| Financial Health | 6/6 |
| Dividends | 4/6 |
HFBL Stock Overview
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.
Home Federal Bancorp of Louisiana Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$19.50 |
| 52 Week High | US$23.55 |
| 52 Week Low | US$17.62 |
| Beta | 0.50 |
| 1 Month Change | 2.63% |
| 3 Month Change | -7.23% |
| 1 Year Change | -2.26% |
| 3 Year Change | 18.18% |
| 5 Year Change | 57.07% |
| Change since IPO | 293.94% |
Recent News & Updates
Shareholder Returns
| HFBL | US Mortgage | US Market | |
|---|---|---|---|
| 7D | -0.3% | 7.6% | 6.6% |
| 1Y | -2.3% | -37.6% | -18.4% |
Return vs Industry: HFBL exceeded the US Mortgage industry which returned -37.6% over the past year.
Return vs Market: HFBL exceeded the US Market which returned -18.4% over the past year.
Price Volatility
| HFBL volatility | |
|---|---|
| HFBL Average Weekly Movement | n/a |
| Mortgage Industry Average Movement | 3.7% |
| Market Average Movement | 8.1% |
| 10% most volatile stocks in US Market | 16.6% |
| 10% least volatile stocks in US Market | 3.2% |
Stable Share Price: Insufficient data to determine HFBL's volatility over the past 3 months.
Volatility Over Time: Insufficient data to determine HFBL's volatility change over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1924 | 63 | Jim Barlow | https://www.hfb.bank |
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.
Home Federal Bancorp of Louisiana Fundamentals Summary
| HFBL fundamental statistics | |
|---|---|
| Market Cap | US$57.97m |
| Earnings (TTM) | US$5.10m |
| Revenue (TTM) | US$20.52m |
11.5x
P/E Ratio1.1x
P/B RatioIs HFBL overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| HFBL income statement (TTM) | |
|---|---|
| Revenue | US$20.52m |
| Cost of Revenue | US$0 |
| Gross Profit | US$20.52m |
| Other Expenses | US$15.42m |
| Earnings | US$5.10m |
Last Reported Earnings
Mar 31, 2022
Next Earnings Date
n/a
| Earnings per share (EPS) | 1.69 |
| Gross Margin | 100.00% |
| Net Profit Margin | 24.87% |
| Debt/Equity Ratio | 5.0% |
How did HFBL perform over the long term?
See historical performance and comparisonDividends
2.1%
Current Dividend Yield24%
Payout RatioValuation
Is HFBL undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score
3/6Valuation Score 3/6
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Below Fair Value
Significantly Below Fair Value
PEG Ratio
Key Valuation Metric
Which metric is best to use when looking at relative valuation for HFBL?
Other financial metrics that can be useful for relative valuation.
| What is HFBL's n/a Ratio? | |
|---|---|
| n/a Ratio | 0x |
| n/a | n/a |
| Market Cap | US$57.97m |
| Key Statistics | |
|---|---|
| Enterprise Value/Revenue | n/a |
| Enterprise Value/EBITDA | n/a |
| PEG Ratio | n/a |
Price to Earnings Ratio vs Peers
How does HFBL's PE Ratio compare to its peers?
| HFBL PE Ratio vs Peers |
|---|
| Company | PE | Estimated Growth | Market Cap |
|---|---|---|---|
| Peer Average | 24.7x | ||
CBMB CBM Bancorp | 69.9x | n/a | US$57.4m |
WAYN Wayne Savings Bancshares | 7.6x | n/a | US$57.8m |
IROQ IF Bancorp | 9.6x | n/a | US$55.2m |
CTUY Century Next Financial | 11.8x | n/a | US$54.1m |
HFBL Home Federal Bancorp of Louisiana | 11.4x | n/a | US$58.0m |
Price-To-Earnings vs Peers: HFBL is good value based on its Price-To-Earnings Ratio (11.5x) compared to the peer average (24.7x).
Price to Earnings Ratio vs Industry
How does HFBL's PE Ratio compare vs other companies in the US Mortgage Industry?
Price-To-Earnings vs Industry: HFBL is expensive based on its Price-To-Earnings Ratio (11.5x) compared to the US Mortgage industry average (11.3x)
Price to Earnings Ratio vs Fair Ratio
What is HFBL's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.
| Fair Ratio | |
|---|---|
| Current PE Ratio | 11.5x |
| Fair PE Ratio | n/a |
Price-To-Earnings vs Fair Ratio: Insufficient data to calculate HFBL's Price-To-Earnings Fair Ratio for valuation analysis.
Share Price vs Fair Value
What is the Fair Price of HFBL when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: HFBL ($19.5) is trading below our estimate of fair value ($34.15)
Significantly Below Fair Value: HFBL is trading below fair value by more than 20%.
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate HFBL's PEG Ratio to determine if it is good value.
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Future Growth
How is Home Federal Bancorp of Louisiana forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Future Growth Score
0/6Future Growth Score 0/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Future ROE
9.5%
Forecasted Banks industry annual growth in earnings
In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Home Federal Bancorp of Louisiana has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.
This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.
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- Examine whether Home Federal Bancorp of Louisiana is trading at an attractive price based on how much it is expected to earn in the future, and relative to its industry peers and the wider market.
Past Performance
How has Home Federal Bancorp of Louisiana performed over the past 5 years?
Past Performance Score
2/6Past Performance Score 2/6
Quality Earnings
Growing Profit Margin
Earnings Trend
Accelerating Growth
Earnings vs Industry
High ROE
8.4%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: HFBL has high quality earnings.
Growing Profit Margin: HFBL's current net profit margins (24.9%) are lower than last year (25.3%).
Past Earnings Growth Analysis
Earnings Trend: HFBL's earnings have grown by 8.4% per year over the past 5 years.
Accelerating Growth: HFBL's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: HFBL had negative earnings growth (-0.08%) over the past year, making it difficult to compare to the Mortgage industry average (6.7%).
Return on Equity
High ROE: HFBL's Return on Equity (9.7%) is considered low.
Discover strong past performing companies
Financial Health
How is Home Federal Bancorp of Louisiana's financial position? (This company is analysed differently as a bank or financial institution)
Financial Health Score
6/6Financial Health Score 6/6
Asset Level
Allowance for Bad Loans
Low Risk Liabilities
Loan Level
Low Risk Deposits
Level of Bad Loans
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: HFBL's Assets to Equity ratio (10.9x) is moderate.
Allowance for Bad Loans: HFBL has a sufficient allowance for bad loans (1224%).
Low Risk Liabilities: 99% of HFBL's liabilities are made up of primarily low risk sources of funding.
Loan Level: HFBL has an appropriate level of Loans to Assets ratio (63%).
Low Risk Deposits: HFBL's Loans to Deposits ratio (70%) is appropriate.
Level of Bad Loans: HFBL has an appropriate level of bad loans (0.1%).
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Dividend
What is Home Federal Bancorp of Louisiana current dividend yield, its reliability and sustainability?
Dividend Score
4/6Dividend Score 4/6
Notable Dividend
High Dividend
Stable Dividend
Growing Dividend
Earnings Coverage
Future Dividend Coverage
2.05%
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: HFBL's dividend (2.05%) is higher than the bottom 25% of dividend payers in the US market (1.57%).
High Dividend: HFBL's dividend (2.05%) is low compared to the top 25% of dividend payers in the US market (4.23%).
Stability and Growth of Payments
Stable Dividend: HFBL's dividends per share have been stable in the past 10 years.
Growing Dividend: HFBL's dividend payments have increased over the past 10 years.
Current Payout to Shareholders
Earnings Coverage: With its low payout ratio (24%), HFBL's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years or that it will be covered by earnings.
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Management
How experienced are the management team and are they aligned to shareholders interests?
10.2yrs
Average management tenure
CEO
Jim Barlow (53 yo)
9.42yrs
Tenure
US$955,124
Compensation
Mr. James R. Barlow, also known as Jim, has been the Chief Executive Officer of Home Federal Bank (Shreveport, LA) (a/k/a Home Federal Savings and Loan Association) since January 1, 2013. Mr. Barlow serves...
CEO Compensation Analysis
Compensation vs Market: Jim's total compensation ($USD955.12K) is about average for companies of similar size in the US market ($USD748.70K).
Compensation vs Earnings: Jim's compensation has increased by more than 20% whilst company earnings have fallen more than 20% in the past year.
Leadership Team
Experienced Management: HFBL's management team is seasoned and experienced (10.2 years average tenure).
Board Members
Experienced Board: HFBL's board of directors are seasoned and experienced ( 13.9 years average tenure).
Ownership
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Ownership Breakdown
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Top Shareholders
Company Information
Home Federal Bancorp, Inc. of Louisiana's 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
- Implied Market Cap: US$57.972m
- Shares outstanding: 3.01m
- Website: https://www.hfb.bank
Number of Employees
Location
- Home Federal Bancorp, Inc. of Louisiana
- 624 Market Street
- Shreveport
- Louisiana
- 71101
- United States
Listings
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2022/06/27 00:00 |
| End of Day Share Price | 2022/06/27 00:00 |
| Earnings | 2022/03/31 |
| Annual Earnings | 2021/06/30 |
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.