Logo

HFBL

Home Federal Bancorp, Inc. of Louisiana

HFBL

Home Federal Bancorp, Inc. of Louisiana • NASDAQ
$15.99 ▲ 3.09% (+0.48)
Market Cap $49.38 M
52w High $16.95
52w Low $12.28
Dividend Yield 0.53%
P/E 10.88
Volume 12.35K
Outstanding Shares 3.09M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q1-2026 $8.618M ▲ $3.809M ▼ $1.599M ▲ 18.554% ▲ $0.53 ▲ $2.35M ▲
Q4-2025 $8.287M ▲ $4.021M ▼ $1.18M ▲ 14.239% ▲ $0.39 ▲ $1.961M ▲
Q3-2025 $7.917M ▼ $4.205M ▲ $748K ▼ 9.448% ▼ $0.24 ▼ $1.32M ▼
Q2-2025 $8.116M ▲ $3.806M ▼ $1.02M ▲ 12.568% ▲ $0.33 ▲ $1.522M ▲
Q1-2025 $8.013M $3.983M $941K 11.743% $0.31 $1.219M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q1-2026 $26.696M ▼ $622.63M ▲ $566.039M ▲ $56.591M ▲
Q4-2025 $50.443M ▼ $609.492M ▼ $554.287M ▼ $55.205M ▲
Q3-2025 $62.588M ▲ $619.624M ▲ $564.905M ▲ $54.719M ▲
Q2-2025 $49.147M ▼ $607.763M ▼ $553.83M ▼ $53.933M ▼
Q1-2025 $70.978M $628.404M $574.137M $54.267M

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q1-2026 $1.599M ▲ $2.776M ▲ $-4.102M ▼ $10.471M ▲ $9.145M ▲ $2.768M ▲
Q4-2025 $1.18M ▲ $1.02M ▲ $-2.927M ▼ $-11.185M ▼ $-13.092M ▼ $1.01M ▲
Q3-2025 $747K ▼ $991K ▼ $163K ▲ $9.745M ▲ $10.899M ▲ $973K ▼
Q2-2025 $1.02M ▲ $2.59M ▲ $-3.644M ▼ $-20.45M ▼ $-21.504M ▼ $2.584M ▲
Q1-2025 $941K $871K $16.621M $-11.396M $6.096M $859K

Five-Year Company Overview

Income Statement

Income Statement Earnings at Home Federal Bancorp look steady rather than fast‑growing. Revenue and core banking margins have held in a fairly tight range over the last few years, which suggests a stable, traditional loan and deposit franchise. Profitability peaked a couple of years ago and has eased back more recently, likely reflecting pressure from funding costs and a tougher interest‑rate environment. Overall, the income statement points to a conservative, consistently profitable community bank, but not one showing strong growth momentum at this stage.

Balance Sheet

Balance Sheet The balance sheet is typical of a small community bank: asset levels have edged up over time and then leveled off, with only modest swings. Cash on hand is lower than it was a few years ago, which means the liquidity cushion is a bit thinner, but still present. Debt usage is very light, so the bank leans on deposits and its own capital rather than heavy borrowing. Shareholders’ equity has gradually built up, which signals retained earnings and a reasonably solid capital position for its size.

Cash Flow

Cash Flow Cash generation from the core banking business has been consistently positive, though sometimes uneven year to year. Free cash flow generally tracks operating cash flow because capital spending needs are low, which fits a branch‑based, service‑oriented bank that is not investing heavily in physical expansion or large technology build‑outs all at once. There was at least one softer year for cash generation, but no sign of chronic cash burn. Overall, the cash flow profile suggests a self‑funding operation with manageable investment needs and a conservative spending pattern.

Competitive Edge

Competitive Edge HFBL’s edge comes from being a long‑standing community bank in northwest Louisiana, with deep local relationships and a reputation for personal service. Its focus on residential and commercial real estate lending in known markets gives it strong local knowledge, which can be an advantage over large national banks that operate more generically. Customer feedback and a low complaint record point to solid service quality and trust. The main competitive risks are its concentration in one region and ongoing competition from both larger regional banks and digital‑only players that can undercut on price or convenience.

Innovation and R&D

Innovation and R&D This is not a high‑spend, cutting‑edge technology story; instead, HFBL has selectively adopted proven digital tools to support its community banking model. Features like its personal finance dashboard and person‑to‑person payment service show it is keeping pace with mainstream digital expectations rather than trying to reinvent banking. Security and usability appear to be priorities, with standard protections and a straightforward mobile experience. Future innovation looks incremental—more about polishing digital channels and extending services to existing customers—so the bank’s main risk is falling behind if customer expectations or competitors’ technology advance much faster.

Summary

Taken together, HFBL looks like a conservative, relationship‑driven community bank with steady but unspectacular financial trends. Earnings and cash flow are stable, capital levels appear sound, and the balance sheet carries little structural risk from heavy leverage. The story is built around local presence, customer trust, and disciplined growth through selective branching and acquisitions, not rapid scaling or disruptive technology. Key sensitivities include the health of the northwest Louisiana economy, interest‑rate cycles, and how well it can keep its digital offering competitive without the scale of larger banks. Future performance will hinge on maintaining credit quality and margins while continuing to modernize just enough to meet evolving customer expectations.

NEWS

October 23, 2025 · 4:30 PM UTC

HOME FEDERAL BANCORP, INC. OF LOUISIANA REPORTS RESULTS OF OPERATIONS FOR THE THREE MONTHS ENDED SEPTEMBER 30, 2025

Read more

October 15, 2025 · 4:30 PM UTC

Home Federal Bancorp, Inc. of Louisiana Declares Quarterly Cash Dividend and Announces Approval of Stock Repurchase Program

Read more