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what it is
Home Federal Bancorp runs a Louisiana bank that takes deposits and makes loans.
how it gets paid
Last year Home Federal Bancorp made $1M in revenue. Single-family real estate loans was the main engine at $0.45M, or 45% of sales.
why it's growing
Revenue grew 17.5% last year. Annual revenue was $1M, up 17.5%. At this size, every extra loan and deposit relationship matters more than headlines do.
what just happened
EPS hit $1.07, up 98% from a year ago.
At a glance
B balance sheet — gets the job done, barely
70/100 earnings predictability — reasonably predictable
10.9x trailing p/e — the market's not buying it — or you found a deal
3.1% dividend yield — cash in your pocket every quarter
$1.26 fy2025 eps est
xvary composite: 62/100 — average
What they do
Home Federal Bancorp runs a Louisiana bank that takes deposits and makes loans.
You are buying 7 offices and 78 employees, not a national machine. That local setup makes deposits stickier, because customers do not move a checking account like a streaming password. The stock’s 0.35 beta means less wobble than the market, and that calm is part of the pitch.
How they make money
$1M
annual revenue · their business grew +17.5% last year
Single-family real estate loans
$0.45M
Commercial real estate loans
$0.20M
Commercial business loans
$0.15M
Real estate-secured lines of credit
$0.10M
Deposit and service income
$0.10M
The products that matter
lending spread income
Net interest income
$14.2M · 85% of disclosed mix
This is the core business. The margin on that business expanded 55 basis points to 3.67%, and that one change drove most of the recent earnings improvement.
3.67% margin
fees and other banking income
Non-interest income
$2.5M · 15% of disclosed mix
It grew 20%, which helps, but this is still the side business. If you are underwriting HFBL, the fee line matters less than the loan spread.
smaller support line
capital return
Quarterly dividend
$0.135 per quarter · 3.08% yield
The annualized payout is $0.54 per share. You are getting some cash back while you wait, but the real debate is whether earnings can support it if margin gains fade.
paid to wait
Key numbers
70
Predictability
Earnings predictability → profit steadiness → so what: a 70 says the profit line is less jumpy than most small banks.
3.1%
Dividend yield
Dividend yield → cash you get each year → so what: 3.1% pays you to wait if the stock goes nowhere.
10.9x
Trailing P/E
Trailing P/E → price to last year's profit → so what: 10.9x means you pay $10.90 for $1 of earnings.
0.35
Beta
Beta → stock swing vs. the market → so what: 0.35 means less wobble than the broad market.
Financial health
B
strength
- balance sheet grade B — adequate — nothing special
- risk rank 2 — safer than 80% of stocks
- price stability 65 / 100
B — functional but not a standout on the balance sheet.
Total return vs. market
Return history isn't available for HFBL right now.
source: institutional data · return history unavailable
What just happened
beat estimates
EPS hit $1.07, up 98% from a year ago.
Annual revenue was $1M, up 17.5%. At this size, every extra loan and deposit relationship matters more than headlines do.
$1.0M
revenue
$1.07
eps
n/a
n/a
the number that mattered
EPS hit $1.07, up 98% vs. prior year, which matters more than sales at this size.
source: company earnings report, 2026
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What could go wrong
The top risk here is net interest margin compression at a one-state community bank.
high
Net interest margin gives, and net interest margin takes away
The recent quarter was powered by a 55 basis point expansion to 3.67%. If funding costs rise, loan yields fall, or competition gets more aggressive, the earnings improvement can reverse fast.
HFBL gets 85% of the disclosed income mix from net interest income. That exposes most of the business to spread pressure.
med
Louisiana concentration
All of the operating story is local. If credit conditions weaken in Louisiana, there is no national footprint to offset it.
This is a single-market bank. Geographic diversification is effectively zero in the snapshot.
low
Leadership transitions matter more at this size
The company announced substantial board and executive changes in January 2025. At a tiny bank, a change in lending discipline or capital allocation can show up quickly.
The direct financial impact is not quantified here. The governance relevance is.
The recent earnings strength rests on a 3.67% margin and a business mix where $14.2M of the $16.7M shown below comes from spread income. If that core spread slips, most of the story slips with it.
source: institutional data · regulatory filings · risk analysis
Pay attention to
metric
Net interest margin after 3.67%
This is the first number to watch next quarter. A stable or higher margin supports the EPS jump. A reversal tells you the quarter was more sugar rush than trend.
calendar
Q3 FY2026 earnings release
You want one thing from the next print: proof that the spread improvement was not a one-quarter event.
capital return
Dividend and buyback follow-through
HFBL pays $0.135 per quarter and announced a $2M equity buyback plan on October 15, 2025. Watch what management actually does, not just what it authorizes.
risk
Rate competition in Louisiana
Community banks do not need a national crisis to feel pressure. They just need local deposit competition to get a little uglier.
Analyst rankings
earnings predictability
70 / 100
in human-speak, analysts see a reasonably steady bank, but one where rates and local credit conditions can still move the numbers around.
source: institutional data
Institutional activity
institutional ownership data for HFBL is being compiled.
source: institutional data
Price targets
3-5 year target range
n/a
n/a
$18
current price
n/a
target midpoint · n/a from current
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