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HFBL

Home Federal Bancorp of Louisiana NasdaqCM:HFBL Stock Report

Last Price

US$19.50

Market Cap

US$58.0m

7D

-0.3%

1Y

-2.3%

Updated

27 Jun, 2022

Data

Company Financials
HFBL fundamental analysis
Snowflake Score
Valuation3/6
Future Growth0/6
Past Performance2/6
Financial Health6/6
Dividends4/6

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

Summary of all time highs, changes and price drops for Home Federal Bancorp of Louisiana
Historical stock prices
Current Share PriceUS$19.50
52 Week HighUS$23.55
52 Week LowUS$17.62
Beta0.50
1 Month Change2.63%
3 Month Change-7.23%
1 Year Change-2.26%
3 Year Change18.18%
5 Year Change57.07%
Change since IPO293.94%

Recent News & Updates

Shareholder Returns

HFBLUS MortgageUS 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

Is HFBL's price volatile compared to industry and market?
HFBL volatility
HFBL Average Weekly Movementn/a
Mortgage Industry Average Movement3.7%
Market Average Movement8.1%
10% most volatile stocks in US Market16.6%
10% least volatile stocks in US Market3.2%

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

FoundedEmployeesCEOWebsite
192463Jim Barlowhttps://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

How do Home Federal Bancorp of Louisiana's earnings and revenue compare to its market cap?
HFBL fundamental statistics
Market CapUS$57.97m
Earnings (TTM)US$5.10m
Revenue (TTM)US$20.52m

11.5x

P/E Ratio

1.1x

P/B Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
HFBL income statement (TTM)
RevenueUS$20.52m
Cost of RevenueUS$0
Gross ProfitUS$20.52m
Other ExpensesUS$15.42m
EarningsUS$5.10m

Last Reported Earnings

Mar 31, 2022

Next Earnings Date

n/a

Earnings per share (EPS)1.69
Gross Margin100.00%
Net Profit Margin24.87%
Debt/Equity Ratio5.0%

How did HFBL perform over the long term?

See historical performance and comparison

Dividends

2.1%

Current Dividend Yield

24%

Payout Ratio
We’ve recently updated our valuation analysis.

Valuation

Is HFBL undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

3/6

Valuation 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.

HFBL key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenuen/a
Enterprise Value/EBITDAn/a
PEG Ration/a

Price to Earnings Ratio vs Peers

How does HFBL's PE Ratio compare to its peers?

HFBL PE Ratio vs Peers
The above table shows the PE ratio for HFBL vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyPEEstimated GrowthMarket Cap
Peer Average24.7x
CBMB CBM Bancorp
69.9xn/aUS$57.4m
WAYN Wayne Savings Bancshares
7.6xn/aUS$57.8m
IROQ IF Bancorp
9.6xn/aUS$55.2m
CTUY Century Next Financial
11.8xn/aUS$54.1m
HFBL Home Federal Bancorp of Louisiana
11.4xn/aUS$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.

HFBL PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio11.5x
Fair PE Ration/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

0/6

Future 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.


Discover growth companies

  • 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

2/6

Past 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

6/6

Financial 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

4/6

Dividend 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.


Discover strong dividend paying companies

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

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2022/06/27 00:00
End of Day Share Price2022/06/27 00:00
Earnings2022/03/31
Annual Earnings2021/06/30


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.