Home Federal Bancorp, Inc. of Louisiana (HFBL) Stock

Home Federal Bancorp, Inc. of Louisiana (HFBL) is a Financials stock trading at $25.91 (as of 2026-09-02), with a market capitalization of $79.13M and a trailing P/E of 14.4. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

Home Federal Bancorp, Inc. of Louisiana is a holding company for Home Federal Bank, which provides deposit accounts and a range of lending products, including residential, commercial, construction, home equity and other consumer loans. Its services are offered to individuals, corporate entities, and other organizations through full-service banking offices.

Understand Home Federal Bancorp, Inc. of Louisiana: how it makes money

Home Federal Bancorp is the holding company for Home Federal Bank, a Louisiana community bank that takes deposits from individuals and businesses and earns the interest spread on residential, commercial, and consumer loans. Revenue comes almost entirely from net interest income on a mix of one-to-four family mortgages, commercial real estate, and small business lending served in a single state.

Profit is the net interest spread: what the bank pays Louisiana depositors versus what borrowers pay back, with a thin fee layer on top.

Business quality (Solid): Solid: a steady single-state community bank that runs lean and generates a 9% return on equity, though its footprint caps long-run growth.

Valuation: At 15× earnings, HFBL trades 15% above the Banking average (13×).

Bull case

  • Efficient cost engine: A 22% operating margin shows the bank converts most of its interest income into pre-tax profit after covering expenses, a sign of a lean regional lender with little operational waste.

Bear case

  • Premium to sector multiple: At 14.9x earnings, HFBL trades 15% above the banking industry average of 13x (valuation). If loan growth or asset quality wobbles, that cushion compresses fast and limits upside for the share price.
Valuation — source: SEC EDGAR (first-party)
Price$25.91
Market Cap$79.13M
P/E Ratio14.4
EV / EBITDA6.3
Price / Book1.36
Price / Sales2.51
DCF Value (model)$18.77
DCF Upside vs Price-27.6%
Profitability & Growth — source: SEC EDGAR
Revenue (TTM)$1.30M
Net Margin298.4%
Revenue Growth (YoY)7.9%
EPS Growth (YoY)104.2%
Valuation vs Sector & Industry
Stock P/E14.4
Sector P/E (Financials)14.9
Industry P/E (Banking)12.7
vs Sector-3.4%
vs Industry13.4%
Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional HolderSTILWELL VALUE LLC ($1.38M)
Institutional Holders Tracked10
Company
SectorFinancials
IndustryBanking
CEOJames R. Barlow
Employees78
CountryUS
IPO Date2007-06-20

Related Companies (Banking; 8 comparable banks)

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  • First Capital, Inc. (FCAP)
  • Broadway Financial Corporation (BYFC)
  • First US Bancshares, Inc. (FUSB)
  • FVCBankcorp, Inc. (FVCB)
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HFBL earnings history · HFBL institutional & insider holders · HFBL KPIs & operating metrics · HFBL financials · HFBL investor presentations & press releases · HFBL SEC filings · HFBL peers · Congress trades · Insider trades · Short interest · Stock screener

Data as of 2026-09-02.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.