Stocks · Financial Services · Banks - Regional
Home Federal Bancorp, Inc. of Louisiana HFBL
$25.39 +2.50% Close, Oct 2, 2026 · NASDAQ · Market cap $77.5M
Strong trend
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Diluted EPS over the last four quarters was $2.01, up 59.5% year over year.
- Over the past year the stock returned +84.4%, ahead of the S&P 500 by 69.3 percentage points.
- The shares trade at 12.6× trailing earnings, higher than 86% of the company's own readings over the past five years.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 45%
- EPS growth (TTM, YoY)Top 18%
- FCF growth (TTM, YoY)Top 35%
- Revenue growth, 3-year CAGRBottom 21%
- Revenue growth accelerationTop 29%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 41%
- Gross marginTop 44%
- Operating marginBottom 48%
- Cash conversion (OCF / net income)Top 44%
- Accruals (lower is better)Bottom 47%
- Net debt / EBITDA (lower is better)Top 25%
- Interest coverBottom 35%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 38%
- Free-cash-flow yieldTop 38%
- EBITDA / enterprise valueTop 25%
- Sales / enterprise valueTop 30%
- P/E vs own 5-year history (lower is better)Bottom 19%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 2%
- 6-month returnTop 4%
- 1-year return vs S&P 500Top 1%
- Distance from 52-week highTop 46%
- Trend checklist (0–4)Top 11%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 12%
- Maximum drawdown, 3 yearsBottom 49%
- Beta vs S&P 500 (lower is better)Top 20%
- Net debt / EBITDA (lower is better)Top 25%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 3.0% | 5.2% | ↑ |
| EPS growth (YoY) | 76.1% | 59.5% | ↓ |
| Gross margin | 63.9% | 67.6% | ↑ |
| Operating margin | 14.4% | 21.1% | ↑ |
| FCF margin | 16.8% | 22.3% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 5.2% | 3.0% | ↑ | Bottom 45% |
| EPS growth (TTM, YoY) | 59.5% | 76.1% | ↓ | Top 18% |
| Gross margin | 67.6% | 63.9% | ↑ | Top 44% |
| Operating margin | 21.1% | 14.4% | ↑ | Bottom 48% |
| Net margin | 18.2% | 12.0% | ↑ | — |
| Free-cash-flow margin | 22.3% | 16.8% | ↑ | — |
| Return on invested capital | 0.9% | — | Bottom 41% | |
| Revenue growth, 3-year CAGR | 7.0% | — | Bottom 21% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.23×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.2%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 1.5%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -2.0 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- -0.22×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.7×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 2.15%
- Net buyback yield (TTM)
- 1.93%
- Shareholder yield
- 4.07%
- Share count change, 1 year
- -0.6%
- Share count change, 3-year CAGR
- -0.5%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Sep 25, 2026).
Earnings and expectations
Earnings momentum
- Average 2-day reaction, last 8
- -0.6%
- Positive 20 days after report
- 6 of 8
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 30, 2026 | — | +0.0% | +1.3% | +12.7% | — |
| Apr 30, 2026 | — | -1.9% | +4.5% | +2.8% | +22.0% |
| Jan 28, 2026 | — | -3.4% | -6.5% | -3.8% | -2.0% |
| Oct 23, 2025 | — | +0.0% | +13.1% | +8.6% | +27.2% |
| Sep 26, 2025 | — | +0.1% | +0.6% | +3.1% | +18.2% |
| May 1, 2025 | — | +0.0% | -1.0% | +0.1% | +6.7% |
| Jan 30, 2025 | — | +0.1% | +0.1% | +0.6% | +6.4% |
| Oct 29, 2024 | — | +0.0% | -3.4% | -1.8% | +0.9% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 30, 2026 | $0.46 | — | — | $9.0M |
| Apr 30, 2026 | $0.48 | — | — | $8.0M |
| Jan 28, 2026 | $0.54 | — | — | $8.4M |
| Oct 23, 2025 | $0.52 | — | — | $8.6M |
| Sep 26, 2025 | $0.38 | — | — | $8.3M |
| May 1, 2025 | $0.24 | — | — | $7.9M |
| Jan 30, 2025 | $0.33 | — | — | $7.7M |
| Oct 29, 2024 | $0.31 | — | — | $4.7M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 12.6× | 11.2× | 86th | Top 38% |
| EV / EBITDA | 9.3× | — | — | Top 25% |
| EV / Sales | 2.23× | — | — | Top 30% |
| Free-cash-flow yield | 9.79% | — | — | Top 38% |
| Earnings yield | 7.92% | — | — | Top 38% |
P/E over the past five years
Range 7.8× – 15.0× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +84.4%
- Earnings per share growth (TTM)
- +59.5%
- Change in P/E multiple
- +13.2%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✓ Price above 20-day average
- ✓ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 123
- Days above the 200-day average
- 276
- 50-day average slope (20 days)
- +5.4%
- 200-day average slope (20 days)
- +4.6%
- Distance from 50-day average
- +3.3%
- Distance from 200-day average
- +24.6%
- RSI (14)
- 53.9
- Relative volume
- 1.21×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 46.8%
- Volatility vs own 5-year history
- 77th percentile · Normal for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.20
- Correlation with S&P 500
- 0.10
- Current drawdown from 1-year high
- -5.4%
- Maximum drawdown, 3 years
- -29.1%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Mar 1, 2022 | May 14, 2024 | -51.3% | 554 days | 536 days (Jul 7, 2026) |
| May 19, 2021 | May 20, 2021 | -15.8% | 1 days | 145 days (Dec 15, 2021) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $77.5M
- P/E (TTM)
- 12.6
- EPS, diluted (TTM)
- $2.01
- Revenue (TTM)
- $34.0M
- Dividend yield
- 2.19%
- 52-week range
- $13.70 – $28.00
| FY 2022 | FY 2023 | FY 2024 | FY 2025 | FY 2026 | |
|---|---|---|---|---|---|
| Revenue | $22.5M | $28.5M | $33.3M | $32.3M | $35.0M |
| Gross profit | $20.3M | $22.6M | $20.4M | $20.7M | $23.7M |
| Operating income | $6.0M | $6.8M | $4.1M | $4.7M | $7.8M |
| Net income | $4.9M | $5.7M | $3.6M | $3.9M | $6.2M |
| EPS (diluted) | $1.41 | $1.81 | $1.17 | $1.26 | $2.01 |
| Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | Q3 2026 | Q4 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $8.0M | $8.1M | $7.9M | $8.3M | $8.6M | $8.4M | $8.0M | $9.0M |
| Net income | $941,000 | $1.0M | $748,000 | $1.2M | $1.6M | $1.7M | $1.5M | $1.4M |
| EPS (diluted) | $0.31 | $0.33 | $0.24 | $0.38 | $0.52 | $0.54 | $0.48 | $0.47 |
| FY 2022 | FY 2023 | FY 2024 | FY 2025 | FY 2026 | |
|---|---|---|---|---|---|
| Operating cash flow | $17.1M | $12.1M | $2.3M | $5.5M | $7.6M |
| Capital expenditure | -$2.6M | -$1.2M | -$2.7M | -$46,000 | -$29,000 |
| Free cash flow | $14.5M | $10.9M | -$368,000 | $5.4M | $7.6M |
| Dividends paid | -$1.4M | -$1.5M | -$1.6M | -$1.6M | -$1.7M |
| Net share buybacks | -$4.5M | -$6.0M | -$487,000 | -$962,000 | -$1.5M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $6.2M
- Total assets
- $643.3M
- Total liabilities
- $584.6M
- Total debt
- $4.4M
- Net debt
- $2.3M
- Shareholders’ equity
- $58.8M
As of Jun 30, 2026 (filed Sep 25, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Jul 27, 2026 | $0.15 | Aug 10, 2026 |
| Apr 27, 2026 | $0.14 | May 11, 2026 |
| Feb 2, 2026 | $0.14 | Feb 16, 2026 |
| Oct 27, 2025 | $0.14 | Nov 10, 2025 |
| Aug 4, 2025 | $0.14 | Aug 18, 2025 |
| Apr 28, 2025 | $0.13 | May 12, 2025 |
| Jan 27, 2025 | $0.13 | Feb 10, 2025 |
| Oct 28, 2024 | $0.13 | Nov 11, 2024 |
Short interest
- Shares sold short
- 3,413
- Days to cover
- 5.56
- Change vs previous report
- -22.9%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Apr 1, 2021
- 2-for-1
- Dec 22, 2010
- 91-for-100