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HFBL

Home Federal Bancorp of Louisiana NasdaqCM:HFBL Stock Report

Last Price

US$18.72

Market Cap

US$55.8m

7D

-10.9%

1Y

-0.2%

Updated

30 Sep, 2022

Data

Company Financials
HFBL fundamental analysis
Snowflake Score
Valuation4/6
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$18.72
52 Week HighUS$23.55
52 Week LowUS$18.50
Beta0.44
1 Month Change-3.06%
3 Month Change-4.78%
1 Year Change-0.16%
3 Year Change15.84%
5 Year Change40.47%
Change since IPO278.18%

Recent News & Updates

Jul 28

Home Federal GAAP EPS of $0.31, revenue of $5.27M

Home Federal press release (NASDAQ:HFBL): Q2 GAAP EPS of $0.31. Revenue of $5.27M (+4.2% Y/Y).

Jul 26
Home Federal Bancorp of Louisiana (NASDAQ:HFBL) Will Pay A Larger Dividend Than Last Year At $0.12

Home Federal Bancorp of Louisiana (NASDAQ:HFBL) Will Pay A Larger Dividend Than Last Year At $0.12

Home Federal Bancorp, Inc. of Louisiana's ( NASDAQ:HFBL ) periodic dividend will be increasing on the 15th of August to...

Shareholder Returns

HFBLUS MortgageUS Market
7D-10.9%-5.4%-2.5%
1Y-0.2%-35.4%-23.2%

Return vs Industry: HFBL exceeded the US Mortgage industry which returned -34.5% over the past year.

Return vs Market: HFBL exceeded the US Market which returned -21.5% over the past year.

Price Volatility

Is HFBL's price volatile compared to industry and market?
HFBL volatility
HFBL Average Weekly Movement6.9%
Mortgage Industry Average Movement3.2%
Market Average Movement6.9%
10% most volatile stocks in US Market15.6%
10% least volatile stocks in US Market2.8%

Stable Share Price: HFBL is not significantly more volatile than the rest of US stocks over the past 3 months, typically moving +/- 7% a week.

Volatility Over Time: HFBL's weekly volatility (7%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
192472Jim 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, as well as non-interest-bearing demand, NOW, and money market 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 and land 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$55.84m
Earnings (TTM)US$4.87m
Revenue (TTM)US$20.50m

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$20.50m
Cost of RevenueUS$0
Gross ProfitUS$20.50m
Other ExpensesUS$15.62m
EarningsUS$4.87m

Last Reported Earnings

Jun 30, 2022

Next Earnings Date

n/a

Earnings per share (EPS)1.63
Gross Margin100.00%
Net Profit Margin23.77%
Debt/Equity Ratio6.1%

How did HFBL perform over the long term?

See historical performance and comparison

Dividends

2.1%

Current Dividend Yield

27%

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

4/6

Valuation Score 4/6

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Below Fair Value

  • Significantly Below Fair Value

  • Analyst Forecast

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 Average15.2x
LSBK Lake Shore Bancorp
11.8xn/aUS$73.8m
PKKW Parkway Acquisition
6.7xn/aUS$67.0m
FFBW FFBW
33.3xn/aUS$68.9m
WBBW Westbury Bancorp
9.1xn/aUS$70.6m
HFBL Home Federal Bancorp of Louisiana
11.5xn/aUS$55.8m

Price-To-Earnings vs Peers: HFBL is good value based on its Price-To-Earnings Ratio (11.5x) compared to the peer average (15.2x).


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 good value based on its Price-To-Earnings Ratio (11.5x) compared to the US Mortgage industry average (11.5x)


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 ($18.72) is trading below our estimate of fair value ($34.1)

Significantly Below Fair Value: HFBL is trading below fair value by more than 20%.


Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Analyst Forecast: Insufficient data to show price forecast.


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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


18.0%

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


8.0%

Historical annual earnings growth

Earnings and Revenue History

Quality Earnings: HFBL has high quality earnings.

Growing Profit Margin: HFBL's current net profit margins (23.8%) are lower than last year (26.1%).


Past Earnings Growth Analysis

Earnings Trend: HFBL's earnings have grown by 8% 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 (-9.2%) over the past year, making it difficult to compare to the Mortgage industry average (-1.2%).


Return on Equity

High ROE: HFBL's Return on Equity (9.3%) 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 (11.3x) is moderate.

Allowance for Bad Loans: HFBL has a sufficient allowance for bad loans (204%).

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 (66%).

Low Risk Deposits: HFBL's Loans to Deposits ratio (73%) is appropriate.

Level of Bad Loans: HFBL has an appropriate level of bad loans (0.6%).


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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


2.14%

Current Dividend Yield

Dividend Yield vs Market

Home Federal Bancorp of Louisiana Dividend Yield vs Market
How does Home Federal Bancorp of Louisiana dividend yield compare to the market?
SegmentDividend Yield
Company (Home Federal Bancorp of Louisiana)2.1%
Market Bottom 25% (US)1.7%
Market Top 25% (US)4.7%
Industry Average (Mortgage)7.1%
Analyst forecast in 3 Years (Home Federal Bancorp of Louisiana)n/a

Notable Dividend: HFBL's dividend (2.14%) is higher than the bottom 25% of dividend payers in the US market (1.66%).

High Dividend: HFBL's dividend (2.14%) is low compared to the top 25% of dividend payers in the US market (4.7%).


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 reasonably low payout ratio (26.7%), 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?

10.4yrs

Average management tenure


CEO

Jim Barlow (54 yo)

13.5yrs

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

Jim Barlow's Compensation vs Home Federal Bancorp of Louisiana Earnings
How has Jim Barlow's remuneration changed compared to Home Federal Bancorp of Louisiana's earnings?
DateTotal Comp.SalaryCompany Earnings
Jun 30 2022n/an/a

US$5m

Mar 31 2022n/an/a

US$5m

Dec 31 2021n/an/a

US$5m

Sep 30 2021n/an/a

US$5m

Jun 30 2021US$955kUS$282k

US$5m

Mar 31 2021n/an/a

US$5m

Dec 31 2020n/an/a

US$5m

Sep 30 2020n/an/a

US$4m

Jun 30 2020US$532kUS$273k

US$4m

Mar 31 2020n/an/a

US$4m

Dec 31 2019n/an/a

US$4m

Sep 30 2019n/an/a

US$5m

Jun 30 2019US$524kUS$262k

US$5m

Mar 31 2019n/an/a

US$5m

Dec 31 2018n/an/a

US$5m

Sep 30 2018n/an/a

US$4m

Jun 30 2018US$475kUS$250k

US$4m

Mar 31 2018n/an/a

US$3m

Dec 31 2017n/an/a

US$3m

Sep 30 2017n/an/a

US$4m

Jun 30 2017US$428kUS$236k

US$4m

Mar 31 2017n/an/a

US$4m

Dec 31 2016n/an/a

US$4m

Sep 30 2016n/an/a

US$3m

Jun 30 2016US$811kUS$221k

US$3m

Compensation vs Market: Jim's total compensation ($USD955.12K) is about average for companies of similar size in the US market ($USD772.00K).

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 (10.4 years average tenure).


Board Members

Experienced Board: HFBL's board of directors are seasoned and experienced ( 14.2 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

NasdaqCM:HFBL Recent Insider Transactions by Companies or Individuals
DateValueNameEntityRoleSharesMax Price
18 Mar 22SellUS$6,225Glen BrownIndividual300US$20.75

Ownership Breakdown

What is the ownership structure of HFBL?
Owner TypeNumber of SharesOwnership Percentage
Hedge Funds223,0006.6%
Institutions278,4748.2%
Employee Share Scheme347,13110.2%
Individual Insiders850,30525.1%
General Public1,688,92949.9%

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Top 25 shareholders own 50.09% of the company
OwnershipNameSharesCurrent ValueChange %Portfolio %
10.25%
Home Federal Bancorp, Inc. of Louisiana, ESOP
347,131$6.5m0%no data
6.58%
FJ Capital Management, LLC
223,000$4.2m-0.14%0.42%
6.04%
James Barlow
204,728$3.8m-4.31%no data
5.93%
Daniel Herndon
200,902$3.8m0%no data
4.13%
Stilwell Value LLC
140,000$2.6m0%1.57%
2.79%
K. Sawrie
94,593$1.8m8.47%no data
2.13%
Scott Lawrence
72,202$1.4m0%no data
1.85%
Martin Friedman
62,580$1.2m0%no data
1.74%
Oppenheimer + Close, LLC
58,864$1.1m0%1.42%
1.45%
AllianceBernstein L.P.
49,066$918.5k2.35%no data
1.34%
Mary Jones
45,294$847.9k0%no data
1.22%
Timothy Wilhite
41,196$771.2k22.99%no data
1.09%
Mark Harrison
37,060$693.8k0%no data
0.91%
Walter Colquitt
30,968$579.7k0%no data
0.83%
David Barber
28,002$524.2k0%no data
0.52%
Thomas Trawick
17,758$332.4k0%no data
0.44%
Glen Brown
15,022$281.2k-2.25%no data
0.29%
Beese, Fulmer Investment Management, Inc.
9,700$181.6k0%0.02%
0.2%
BlackRock, Inc.
6,728$125.9k-7.92%no data
0.15%
The Vanguard Group, Inc.
5,234$98.0k0%no data
0.071%
Dimensional Fund Advisors LP
2,421$45.3k88.11%no data
0.047%
Tower Research Capital LLC
1,590$29.8k19.19%no data
0.041%
Geode Capital Management, LLC
1,393$26.1k-1.9%no data
0.032%
T. Rowe Price Group, Inc.
1,099$20.6k0%no data
0.018%
Steward Partners Investment Advisory, Llc
600$11.2k0%no data

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$55.842m
  • Shares outstanding: 2.98m
  • Website: https://www.hfb.bank

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

Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2022/09/30 00:00
End of Day Share Price2022/09/30 00:00
Earnings2022/06/30
Annual Earnings2022/06/30


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.