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

FairStock Score: 69/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

Home Federal Bancorp is a 72-employee Louisiana thrift: gather deposits, make residential and commercial real estate loans, earn a spread. That is a simple business, but a small one. The recent profit record is much better than the long-run record. In fiscal 2026, the year ended 2026-06-30, it reported net income of $6.2M and diluted EPS of $2.02, up from $3.9M and $1.26 in fiscal 2025 and $3.6M and $1.17 in fiscal 2024. In fiscal Q3 2026, the quarter ended 2026-03-31, net income was $1.5M, or $0.48 per diluted share, versus $748,000 and $0.24 in fiscal Q3 2025. That is real momentum. Still, FairStock's Lynch category calls it a slow grower because five-year profit growth was only 2.8% a year, with revenue growth of 11.3%. One good year does not create a moat. At the 2026-10-13 close, FairStock calculated P/E 11.96, P/B 1.23, ROE 10.84%, dividend yield 2.48%, and PEG 0.12. A 10.8% ROE supports a modest premium to book, not a bargain multiple. The Piotroski F-Score of 2/9 is a yellow flag; I want to know why accounting quality is weak. CET1, net interest margin, loan-loss reserves, nonperforming assets, and combined ratio are not in the data. For a bank, credit and capital are the real risks. With a $73.2M market cap and beta 0.41, this is a sleepy micro-cap. At about 12 times earnings and 1.2 times book, the price looks fair, not compelling. I would require more evidence on credit and capital before calling it cheap.

In plain English: Home Federal Bancorp of Louisiana is a small community bank that takes deposits and makes loans, mostly in Louisiana. Its profits have grown quickly lately, but its longer-term growth has been slow, and some financial statement quality signals are weak. Compared with its earnings and net worth, the stock price looks fair rather than clearly cheap.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q3 2026 10-Q (period ended 2026-03-31) · fiscal Q2 2026 10-Q (period ended 2025-12-31) · fiscal Q1 2026 10-Q (period ended 2025-09-30) · fiscal Q3 2025 10-Q (period ended 2025-03-31) · FY2026 10-K (period ended 2026-06-30) · FY2025 10-K (period ended 2025-06-30) · FY2024 10-K (period ended 2024-06-30)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer