HFBL
BULLISH
$18.2
Live
Home Federal Bancorp, Inc. of Louisiana · NASDAQ
$12.32
52W Range
$20.0
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Apr 11, 2026
Market cap
$55.96M
P/E
10.77
ROE
9.3%
Profit margin
23.0%
Debt/Equity
N/A
Dividend yield
2.94%
AI Analysis
AI-powered fundamental assessment
Confidence
75%
HFBL presents a compelling value opportunity, trading significantly below its Graham Number ($26.95) and Intrinsic Value ($49.85). While the Piotroski F-Score of 4/9 indicates only stable financial health, the company exhibits strong growth with YoY earnings increasing by 63.60% and a Price-to-Book ratio of 0.95. Despite a very bearish technical trend (10/100), the fundamental valuation and sustainable dividend payout suggest a strong margin of safety.
Key Strengths
Significant undervaluation relative to Graham Number and Intrinsic Value
Trading below book value (P/B 0.95)
Strong earnings growth (63.60% YoY) and revenue growth (17.10% YoY)
Sustainable dividend profile with a low payout ratio of 31.36%
Consistent track record of beating earnings estimates
Key Risks
Extreme bearish technical trend (10/100) suggesting strong selling pressure
Micro-cap status ($0.06B) leads to high volatility and liquidity risk
Piotroski F-Score of 4/9 is only 'Stable', not 'Strong'
Low insider sentiment (40/100) and lack of recent buying activity
Regional bank sector sensitivity to interest rate fluctuations
AI Fair Value Estimate
Based on comprehensive analysis
$32.5
+78.6% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
72
Strong
95
85
60
50
70
AI Verdict
Strong Value Play
Key drivers: P/B < 1.0, High Earnings Growth, Deep discount to Graham Number
Confidence
80%
Value
95/100
Ref P/E, P/B, and Graham Number
Positives
- P/E of 10.77 is low
- Price $18.20 is well below Graham Number $26.95
- P/B of 0.95 indicates asset discount
Watchpoints
No urgent risks highlighted.
Future
85/100
Ref Growth rates
Positives
- 63.6% YoY Earnings Growth
- 18.23% Q/Q Revenue Growth
Watchpoints
- Small market cap limits scaling potential
Past
60/100
Ref Historical trends
Positives
- 1Y Change of +42%
Watchpoints
- Recent 1M change is negative
- Technical trend is heavily bearish
Health
50/100
Ref Piotroski F-Score
Positives
- Positive ROE (9.31%) and ROA (0.85%)
Watchpoints
- Piotroski F-Score of 4/9 is mediocre
Dividend
70/100
Ref Yield, Payout
Positives
- Sustainable payout ratio (31.36%)
- Consistent yield (2.94%)
Watchpoints
- Yield is not exceptionally high for the sector
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$18.2
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for HFBL and closest competitors.
Updated 2026-04-10
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
HFBL
Home Federal Bancorp, Inc. of Louisiana
Primary
|
+35.7% | +16.1% | +42.0% | +30.8% | -2.4% | +4.0% |
|
AAME
Atlantic American Corporation
Peer
|
-31.8% | +22.1% | +100.9% | -15.6% | +7.8% | +5.7% |
|
FSEA
First Seacoast Bancorp, Inc.
Peer
|
+12.2% | +47.9% | +16.1% | +10.4% | -0.9% | +1.0% |
|
BENF
Beneficient
Peer
|
-99.9% | -99.9% | -11.3% | +44.6% | -50.6% | -7.5% |
|
HGBL
Heritage Global Inc.
Peer
|
-53.3% | -51.4% | -30.7% | -8.5% | +12.0% | +1.4% |
HFB
Home Federal Bancorp, Inc. of Louisiana
Primary
5Y
+35.7%
3Y
+16.1%
1Y
+42.0%
6M
+30.8%
1M
-2.4%
1W
+4.0%
AAM
Atlantic American Corporation
Peer
5Y
-31.8%
3Y
+22.1%
1Y
+100.9%
6M
-15.6%
1M
+7.8%
1W
+5.7%
FSE
First Seacoast Bancorp, Inc.
Peer
5Y
+12.2%
3Y
+47.9%
1Y
+16.1%
6M
+10.4%
1M
-0.9%
1W
+1.0%
BEN
Beneficient
Peer
5Y
-99.9%
3Y
-99.9%
1Y
-11.3%
6M
+44.6%
1M
-50.6%
1W
-7.5%
HGB
Heritage Global Inc.
Peer
5Y
-53.3%
3Y
-51.4%
1Y
-30.7%
6M
-8.5%
1M
+12.0%
1W
+1.4%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
10.77
Forward P/E
N/A
PEG Ratio
N/A
P/B Ratio
0.95
P/S Ratio
2.48
EV/Revenue
1.8
EV/EBITDA
N/A
Market Cap
$55.96M
Profitability
Profit margins and return metrics
Profit Margin
23.03%
Operating Margin
38.28%
Gross Margin
N/A
ROE
9.31%
ROA
0.85%
Growth
Revenue and earnings growth rates
Revenue Growth
+17.1%
Earnings Growth
+63.6%
Q/Q Revenue Growth
+18.23%
Q/Q Earnings Growth
+64.2%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$6.37
Financial Statement Flow
Interactive flow visualization showing how money moves through the company Q4 2025
Revenue
$0.0B
Net Margin
28.0%
Total Assets
$0.6B
Liabilities
$0.6B
Equity
$0.1B
Debt/Equity
9.76x
Operating CF
$0.0B
Free Cash Flow
$0.0B
FCF Yield
100%
Quarterly Earnings History
EPS performance vs analyst estimates
2010-08-04
$0.08
+200.0% surprise
2010-05-05
$0.05
+400.0% surprise
Financial Services Sector Comparison
Comparing HFBL against 341 companies in the Financial Services sector
(60 bullish, 147 neutral, 134 bearish)
P/E Ratio
10.77
This Stock
vs
54.09
Sector Avg
-80.1%
(Discount)
Return on Equity (ROE)
9.31%
This Stock
vs
-0.66%
Sector Avg
-1508.3%
(Below Avg)
Profit Margin
23.03%
This Stock
vs
63.27%
Sector Avg
-63.6%
(Weaker)
Revenue Growth
17.1%
This Stock
vs
44.9%
Sector Avg
-61.9%
(Slower)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
HFBL
Home Federal Bancorp, Inc....
|
BULLISH | $55.96M | 10.77 | 9.3% | 23.0% | $18.2 | |
|
AAME
Atlantic American Corporation
|
NEUTRAL | $56.5M | 12.04 | 4.7% | 2.5% | $2.77 | Compare |
|
FSEA
First Seacoast Bancorp, Inc.
|
BEARISH | $59.88M | - | -1.3% | -5.5% | $12.75 | Compare |
|
BENF
Beneficient
|
BEARISH | $60.59M | - | -551.1% | -% | $4.35 | Compare |
|
HGBL
Heritage Global Inc.
|
NEUTRAL | $48.64M | 14.0 | 5.4% | 7.0% | $1.4 | Compare |
HFBL
Home Federal...
BULLISH
Mkt Cap
$56M
P/E
10.8
ROE
9.3%
Price
$18.2
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-01-06 | WILHITE TIMOTHY W | Director | Option Exercise | 6,000 | $71,160 |
| 2025-12-18 | LAWRENCE SCOTT D | Director | Stock Award | 5,000 | - |
| 2025-12-18 | HARRISON MARK MALLOY | Director | Stock Award | 5,000 | - |
| 2025-12-18 | BARLOW JAMES R | Chief Executive Officer | Stock Award | 5,000 | - |
| 2025-12-18 | WILHITE TIMOTHY W | Director | Stock Award | 5,000 | - |
| 2025-12-18 | TRAWICK THOMAS STEEN JR | Director | Stock Award | 3,750 | - |
| 2025-12-18 | LEWIS DONNA C | Officer | Stock Award | 2,500 | - |
| 2025-12-18 | EZERNACK BRAD | Chief Financial Officer | Stock Award | 2,500 | - |
| 2025-10-15 | BARLOW JAMES R | Officer and Director | Option Exercise | 20,000 | $230,000 |
| 2025-10-15 | TRAWICK THOMAS STEEN JR | Director | Option Exercise | 13,000 | $149,500 |
| 2025-10-15 | JONES MARY L | Officer | Option Exercise | 14,000 | $161,000 |
WILHITE TIMOTHY W
Director
2026-01-06
6,000 shares
·
$71,160
LAWRENCE SCOTT D
Director
2025-12-18
5,000 shares
HARRISON MARK MALLOY
Director
2025-12-18
5,000 shares
BARLOW JAMES R
Chief Executive Officer
2025-12-18
5,000 shares
WILHITE TIMOTHY W
Director
2025-12-18
5,000 shares
TRAWICK THOMAS STEEN JR
Director
2025-12-18
3,750 shares
LEWIS DONNA C
Officer
2025-12-18
2,500 shares
EZERNACK BRAD
Chief Financial Officer
2025-12-18
2,500 shares
BARLOW JAMES R
Officer and Director
2025-10-15
20,000 shares
·
$230,000
TRAWICK THOMAS STEEN JR
Director
2025-10-15
13,000 shares
·
$149,500
JONES MARY L
Officer
2025-10-15
14,000 shares
·
$161,000
Insider transactions can signal confidence or concerns about company prospects
Past News Coverage
Recent headlines mentioning HFBL from our newsroom.
Newest → oldest
No matching news yet.