Home Federal Bancorp, Inc. of Louisiana Logo

Home Federal Bancorp, Inc. of Louisiana

HFBL

(3.0)
Stock Price

12,60 USD

0.8% ROA

8.92% ROE

8.08x PER

Market Cap.

43.898.234,00 USD

26.65% DER

3.5% Yield

17.66% NPM

Home Federal Bancorp, Inc. of Louisiana Stock Analysis

Home Federal Bancorp, Inc. of Louisiana Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Home Federal Bancorp, Inc. of Louisiana Fundamental Stock Analysis
# Analysis Rating
1 PBV

With a remarkably low PBV ratio (0.8x), the stock offers substantial upside potential at a bargain price.

2 DER

The stock has a minimal amount of debt (27%) relative to its ownership, showcasing a strong financial position and lower risk for investors.

3 Assets Growth

With a track record of consistent revenue growth in the past five years, this company presents a compelling opportunity.

4 Dividend

The company's consistent dividend distribution over the past five years reflects its dedication to providing shareholders with steady returns, making it an appealing choice for investors seeking income stability.

5 ROE

The stock's ROE falls within an average range (10.51%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

6 ROA

The stock's ROA (0.8%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

7 Graham Number

The Graham number of this company suggests that its stock price may be undervalued, indicating a potentially attractive investment opportunity.

8 Buffet Intrinsic Value

The company's stock presents an enticing opportunity as it appears undervalued (65) by Warren Buffett's formula, indicating that its intrinsic value exceeds the market price.

9 Revenue Growth

Company's revenue has remained stagnant over the past three years, indicating a lack of growth and making it a less favorable option.

10 Net Profit Growth

Despite the passage of five years, this company's net profit has not shown any improvement, highlighting a lack of growth and making it a less appealing investment prospect.

11 Dividend Growth

The company's dividend growth has been flat for the past three years, raising concerns for potential investors seeking reliable returns.

Home Federal Bancorp, Inc. of Louisiana Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Home Federal Bancorp, Inc. of Louisiana Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Buy
3 RSI Hold
4 Stoch RSI Hold

Home Federal Bancorp, Inc. of Louisiana Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Home Federal Bancorp, Inc. of Louisiana Revenue
Year Revenue Growth
2004 3.312.495
2005 3.420.969 3.17%
2006 3.375.356 -1.35%
2007 3.382.000 0.2%
2008 3.234.000 -4.58%
2009 4.121.000 21.52%
2010 7.202.000 42.78%
2011 9.741.000 26.07%
2012 12.996.000 25.05%
2013 13.875.000 6.34%
2014 13.045.000 -6.36%
2015 14.920.000 12.57%
2016 15.821.000 5.69%
2017 17.655.000 10.39%
2018 17.648.000 -0.04%
2019 17.409.000 -1.37%
2020 18.764.000 7.22%
2021 22.027.000 14.81%
2022 20.613.000 -6.86%
2023 23.453.000 12.11%
2024 22.632.000 -3.63%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Home Federal Bancorp, Inc. of Louisiana Research and Development Expenses
Year Research and Development Expenses Growth
2004 0
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Home Federal Bancorp, Inc. of Louisiana General and Administrative Expenses
Year General and Administrative Expenses Growth
2004 1.455.909
2005 1.363.091 -6.81%
2006 1.485.630 8.25%
2007 1.487.000 0.09%
2008 1.572.000 5.41%
2009 2.191.000 28.25%
2010 4.268.000 48.66%
2011 4.657.000 8.35%
2012 5.955.000 21.8%
2013 5.647.000 -5.45%
2014 5.771.000 2.15%
2015 6.425.000 10.18%
2016 7.021.000 8.49%
2017 7.296.000 3.77%
2018 6.625.000 -10.13%
2019 6.531.000 -1.44%
2020 7.736.000 15.58%
2021 8.802.000 12.11%
2022 9.173.000 4.04%
2023 9.385.000 2.26%
2024 9.788.000 4.12%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Home Federal Bancorp, Inc. of Louisiana EBITDA
Year EBITDA Growth
2004 3.255.439
2005 3.306.083 1.53%
2006 3.321.239 0.46%
2007 4.288.000 22.55%
2008 3.898.000 -10.01%
2009 4.677.000 16.66%
2010 4.927.000 5.07%
2011 6.248.000 21.14%
2012 7.225.000 13.52%
2013 7.559.000 4.42%
2014 6.715.000 -12.57%
2015 7.881.000 14.8%
2016 8.072.000 2.37%
2017 8.718.000 7.41%
2018 9.818.000 11.2%
2019 11.094.000 11.5%
2020 5.460.000 -103.19%
2021 7.475.000 26.96%
2022 8.640.000 13.48%
2023 6.944.000 -24.42%
2024 6.496.000 -6.9%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Home Federal Bancorp, Inc. of Louisiana Gross Profit
Year Gross Profit Growth
2004 3.312.495
2005 3.420.969 3.17%
2006 3.375.356 -1.35%
2007 3.382.000 0.2%
2008 3.234.000 -4.58%
2009 4.121.000 21.52%
2010 7.202.000 42.78%
2011 9.741.000 26.07%
2012 12.996.000 25.05%
2013 13.875.000 6.34%
2014 13.045.000 -6.36%
2015 14.920.000 12.57%
2016 15.821.000 5.69%
2017 17.655.000 10.39%
2018 17.647.000 -0.05%
2019 17.409.000 -1.37%
2020 18.764.000 7.22%
2021 22.027.000 14.81%
2022 20.613.000 -6.86%
2023 23.453.000 12.11%
2024 22.632.000 -3.63%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Home Federal Bancorp, Inc. of Louisiana Net Profit
Year Net Profit Growth
2004 820.741
2005 849.898 3.43%
2006 634.402 -33.97%
2007 637.000 0.41%
2008 -82.000 876.83%
2009 515.000 115.92%
2010 670.000 23.13%
2011 1.938.000 65.43%
2012 2.843.000 31.83%
2013 3.130.000 9.17%
2014 2.744.000 -14.07%
2015 3.355.000 18.21%
2016 3.377.000 0.65%
2017 3.652.000 7.53%
2018 3.568.000 -2.35%
2019 4.743.000 24.77%
2020 3.850.000 -23.19%
2021 5.365.000 28.24%
2022 4.873.000 -10.1%
2023 5.704.000 14.57%
2024 4.880.000 -16.89%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Home Federal Bancorp, Inc. of Louisiana Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2004 0
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 1 0%
2013 1 0%
2014 1 0%
2015 1 0%
2016 1 0%
2017 1 100%
2018 1 0%
2019 1 100%
2020 1 0%
2021 2 0%
2022 2 0%
2023 2 0%
2024 2 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Home Federal Bancorp, Inc. of Louisiana Free Cashflow
Year Free Cashflow Growth
2004 1.525.637
2005 495.101 -208.15%
2006 358.100 -38.26%
2007 -803.000 144.6%
2008 301.000 366.78%
2009 134.000 -124.63%
2010 -14.129.000 100.95%
2011 6.853.000 306.17%
2012 -2.692.000 354.57%
2013 9.556.000 128.17%
2014 -5.032.000 289.9%
2015 -2.833.000 -77.62%
2016 4.432.000 163.92%
2017 2.704.000 -63.91%
2018 12.588.000 78.52%
2019 2.247.000 -460.21%
2020 -770.000 391.82%
2021 5.978.000 112.88%
2022 14.485.000 58.73%
2023 10.924.000 -32.6%
2024 2.445.000 -346.79%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Home Federal Bancorp, Inc. of Louisiana Operating Cashflow
Year Operating Cashflow Growth
2004 1.549.454
2005 618.919 -150.35%
2006 848.779 27.08%
2007 -766.000 210.81%
2008 313.000 344.73%
2009 306.000 -2.29%
2010 -11.758.000 102.6%
2011 7.928.000 248.31%
2012 -1.552.000 610.82%
2013 11.466.000 113.54%
2014 -2.398.000 578.15%
2015 -716.000 -234.92%
2016 7.052.000 110.15%
2017 3.375.000 -108.95%
2018 13.104.000 74.24%
2019 4.858.000 -169.74%
2020 200.000 -2329%
2021 8.332.000 97.6%
2022 17.059.000 51.16%
2023 12.105.000 -40.93%
2024 2.445.000 -395.09%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Home Federal Bancorp, Inc. of Louisiana Capital Expenditure
Year Capital Expenditure Growth
2004 23.817
2005 123.818 80.76%
2006 490.679 74.77%
2007 37.000 -1226.16%
2008 12.000 -208.33%
2009 172.000 93.02%
2010 2.371.000 92.75%
2011 1.075.000 -120.56%
2012 1.140.000 5.7%
2013 1.910.000 40.31%
2014 2.634.000 27.49%
2015 2.117.000 -24.42%
2016 2.620.000 19.2%
2017 671.000 -290.46%
2018 516.000 -30.04%
2019 2.611.000 80.24%
2020 970.000 -169.18%
2021 2.354.000 58.79%
2022 2.574.000 8.55%
2023 1.181.000 -117.95%
2024 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Home Federal Bancorp, Inc. of Louisiana Equity
Year Equity Growth
2004 17.309.153
2005 32.431.474 46.63%
2006 28.539.277 -13.64%
2007 27.812.000 -2.61%
2008 27.874.000 0.22%
2009 31.310.000 10.97%
2010 33.365.000 6.16%
2011 51.183.000 34.81%
2012 49.888.000 -2.6%
2013 41.982.000 -18.83%
2014 42.779.000 1.86%
2015 43.386.000 1.4%
2016 43.392.000 0.01%
2017 46.246.000 6.17%
2018 47.037.000 1.68%
2019 50.342.000 6.57%
2020 50.535.000 0.38%
2021 52.725.000 4.15%
2022 52.347.000 -0.72%
2023 50.542.000 -3.57%
2024 50.473.000 -0.14%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Home Federal Bancorp, Inc. of Louisiana Assets
Year Assets Growth
2004 95.662.588
2005 111.330.832 14.07%
2006 114.000.052 2.34%
2007 118.785.000 4.03%
2008 137.715.000 13.75%
2009 154.766.000 11.02%
2010 185.145.000 16.41%
2011 233.320.000 20.65%
2012 296.183.000 21.22%
2013 277.155.000 -6.87%
2014 329.529.000 15.89%
2015 369.833.000 10.9%
2016 381.701.000 3.11%
2017 426.606.000 10.53%
2018 421.650.000 -1.18%
2019 442.453.000 4.7%
2020 518.220.000 14.62%
2021 565.731.000 8.4%
2022 590.480.000 4.19%
2023 660.915.000 10.66%
2024 662.602.000 0.25%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Home Federal Bancorp, Inc. of Louisiana Liabilities
Year Liabilities Growth
2004 78.353.435
2005 78.899.358 0.69%
2006 85.460.775 7.68%
2007 90.973.000 6.06%
2008 109.841.000 17.18%
2009 123.456.000 11.03%
2010 151.780.000 18.66%
2011 182.137.000 16.67%
2012 246.295.000 26.05%
2013 235.173.000 -4.73%
2014 286.750.000 17.99%
2015 326.447.000 12.16%
2016 338.309.000 3.51%
2017 380.360.000 11.06%
2018 374.613.000 -1.53%
2019 392.111.000 4.46%
2020 467.685.000 16.16%
2021 513.006.000 8.83%
2022 538.133.000 4.67%
2023 8.550.000 -6193.95%
2024 612.129.000 98.6%

Home Federal Bancorp, Inc. of Louisiana Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
7.7
Net Income per Share
1.73
Price to Earning Ratio
8.08x
Price To Sales Ratio
1.88x
POCF Ratio
4.15
PFCF Ratio
4.8
Price to Book Ratio
0.84
EV to Sales
2.08
EV Over EBITDA
5.27
EV to Operating CashFlow
4.75
EV to FreeCashFlow
5.3
Earnings Yield
0.12
FreeCashFlow Yield
0.21
Market Cap
0,04 Bil.
Enterprise Value
0,05 Bil.
Graham Number
25.5
Graham NetNet
-185.37

Income Statement Metrics

Net Income per Share
1.73
Income Quality
1.94
ROE
0.11
Return On Assets
0.01
Return On Capital Employed
0.02
Net Income per EBT
0.86
EBT Per Ebit
0.77
Ebit per Revenue
0.26
Effective Tax Rate
0.14

Margins

Sales, General, & Administrative to Revenue
0.41
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0.02
Gross Profit Margin
0.99
Operating Profit Margin
0.26
Pretax Profit Margin
0.2
Net Profit Margin
0.18

Dividends

Dividend Yield
0.03
Dividend Yield %
3.5
Payout Ratio
0.22
Dividend Per Share
0.49

Operating Metrics

Operating Cashflow per Share
3.37
Free CashFlow per Share
3.02
Capex to Operating CashFlow
-0.11
Capex to Revenue
-0.05
Capex to Depreciation
-1.42
Return on Invested Capital
0.11
Return on Tangible Assets
0.01
Days Sales Outstanding
29.86
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
12.22
Payables Turnover
0
Inventory Turnover
0
Capex per Share
-0.35

Balance Sheet

Cash per Share
16,27
Book Value per Share
16,67
Tangible Book Value per Share
15.2
Shareholders Equity per Share
16.67
Interest Debt per Share
6.88
Debt to Equity
0.27
Debt to Assets
0.02
Net Debt to EBITDA
0.5
Current Ratio
11.13
Tangible Asset Value
0,05 Bil.
Net Current Asset Value
-0,56 Bil.
Invested Capital
0.27
Working Capital
0,05 Bil.
Intangibles to Total Assets
0.01
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
0.31

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Home Federal Bancorp, Inc. of Louisiana Dividends
Year Dividends Growth
2007 0
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 1 0%
2019 1 0%
2020 1 0%
2021 0 0%
2022 0 0%
2023 0 0%

Home Federal Bancorp, Inc. of Louisiana Profile

About Home Federal Bancorp, Inc. of Louisiana

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. As of August 25, 2021, it operated seven full-service banking offices. The company was founded in 1924 and is based in Shreveport, Louisiana.

CEO
Mr. James R. Barlow
Employee
74
Address
624 Market Street
Shreveport, 71101

Home Federal Bancorp, Inc. of Louisiana Executives & BODs

Home Federal Bancorp, Inc. of Louisiana Executives & BODs
# Name Age
1 Mr. Glen W. Brown CPA, CPA
Senior Vice President & Chief Financial Officer
70
2 Mr. David S. Barber
Senior Vice President of Mortgage Lending - Home Federal Bank
70
3 Mr. John Andrew Batson
Senior Vice President & Benton Market Manager
70
4 Mr. James R. Barlow
Chairman, President & Chief Executive Officer
70
5 Ms. Donna C. Lewis
Senior Vice President & CRO - BSA Officer of Home Federal Bank
70
6 Ms. DeNell W. Mitchell
Senior Vice President & Corporate Secretary
70
7 Mr. Adalberto Cantu Jr.
Senior Vice President & Senior Credit Officer - Home Federal Bank
70
8 Mr. K. Matthew Sawrie
Senior Vice President of Commercial Lending - Home Federal Bank
70
9 Ms. Dawn Fitzgerald-Williams
Senior Vice President & Assistant Secretary
70
10 Ms. Mary L. Jones
Senior Vice President of Retail & Deposit Operations and Chief Operating Officer - Home Federal Bank
70

Home Federal Bancorp, Inc. of Louisiana Competitors