What is Home Fed Bancorp Inc La's earnings per share (EPS)?

Home Fed Bancorp Inc La (HFBL) reported diluted earnings per share of $1.26 for fiscal year 2025. This represents a 7.7% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Home Fed Bancorp Inc La Financials

HFBL

Source SEC Filings (10-K/10-Q) Updated Mar 31, 2026 Currency USD FYE June

This page shows Home Fed Bancorp Inc La (HFBL) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI HFBL FY2025 2026-05-14

Leverage remains the core earnings engine, while cash reserves shrink as the institution steadily trims its balance sheet.

FY2025 cash conversion improved, with operating cash flow of $5.5M exceeding net income of $3.9M after FY2024's weaker conversion. But year-end cash still fell to $17.3M, which alongside still-high leverage implies internally generated cash is being absorbed by balance-sheet repair and capital returns rather than rebuilding liquidity.

For a bank with $609.5M of assets, FY2025 returns remained modest: ROA was 0.6% and ROE was 7.0%. That means the business still depends on a large, leveraged balance sheet to produce only mid-single-digit equity earnings, leaving limited room for funding-cost swings.

The structure is improving slowly, with liabilities down by $56.1M from FY2023 while equity added $4.7M. Yet the liquidity cushion narrowed as cash fell from 5.5% of assets in FY2024 to 2.8% in FY2025, so the cleaner balance sheet is also a less cash-rich one.

Financial Health Signals

Financial Profile 9/100

Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →

Health score ≠ stock price. This rates the quality of Home Fed Bancorp Inc La's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Growth

Home Fed Bancorp Inc La's revenue surged 17.5% year-over-year to $1.3M, reflecting rapid business expansion. This strong growth earns a score of 23/100.

Leverage

Home Fed Bancorp Inc La has elevated debt relative to equity (D/E of 10.04), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.

Returns

Home Fed Bancorp Inc La generates a 7.0% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 28/100. This is up from 6.8% the prior year.

Piotroski F-Score Neutral

6/9

Home Fed Bancorp Inc La passes 6 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.41x

For every $1 of reported earnings, Home Fed Bancorp Inc La generates $1.41 in operating cash flow ($5.5M OCF vs $3.9M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$1.3M

YoY+17.5%

5Y CAGR+5.0%

10Y CAGR-21.6%

Home Fed Bancorp Inc La generated $1.3M in revenue in fiscal year 2025. This represents an increase of 17.5% from the prior year.

EBITDA

N/A

Net Income

$3.9M

YoY+8.2%

5Y CAGR+0.2%

10Y CAGR+1.5%

Home Fed Bancorp Inc La reported $3.9M in net income in fiscal year 2025. This represents an increase of 8.2% from the prior year.

EPS (Diluted)

$1.26

YoY+7.7%

5Y CAGR+3.3%

10Y CAGR-2.7%

Home Fed Bancorp Inc La earned $1.26 per diluted share (EPS) in fiscal year 2025. This represents an increase of 7.7% from the prior year.

Cash & Balance Sheet

Free Cash Flow

N/A

Cash & Debt

$17.3M

YoY-50.4%

5Y CAGR-20.6%

10Y CAGR-2.0%

Home Fed Bancorp Inc La held $17.3M in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

N/A

Shares Outstanding

YoY-1.8%

5Y CAGR-2.2%

10Y CAGR+3.9%

Home Fed Bancorp Inc La had 3M shares outstanding in fiscal year 2025. This represents a decrease of 1.8% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

298.4%

YoY-25.6pp

5Y CAGR-79.1pp

10Y CAGR+275.7pp

Home Fed Bancorp Inc La's net profit margin was 298.4% in fiscal year 2025, showing the share of revenue converted to profit. This is down 25.6 percentage points from the prior year.

Return on Equity

7.0%

YoY+0.2pp

5Y CAGR-0.6pp

10Y CAGR-0.7pp

Home Fed Bancorp Inc La's ROE was 7.0% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 0.2 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$1.1M

YoY+120.3%

5Y CAGR-23.7%

10Y CAGR-9.5%

Home Fed Bancorp Inc La spent $1.1M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 120.3% from the prior year.

Capital Expenditures

N/A

HFBL Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$1.3M+17.5%	$1.1M-24.9%	$1.5M+28.8%	$1.1M+15.7%	$991K-2.8%	$1.0M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$8.9M-6.1%	$9.5M+4.8%	$9.1M+0.8%	$9.0M+4.1%	$8.7M+12.7%	$7.7M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$11.8M-8.7%	$12.9M+154.2%	$5.1M+170.6%	$1.9M-43.2%	$3.3M-35.9%	$5.2M
Income Tax	$766K+60.9%	$476K-55.3%	$1.1M-5.4%	$1.1M-22.0%	$1.4M+51.0%	$957K
Net Income	$3.9M+8.2%	$3.6M-37.0%	$5.7M+17.1%	$4.9M-9.2%	$5.4M+39.4%	$3.9M
EPS (Diluted)	$1.26+7.7%	$1.17-35.4%	$1.81+28.4%	$1.41-10.2%	$1.57+46.7%	$1.07

Metric	Q3'26	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24
Revenue	$8.0M-0.6%	$8.1M+0.7%	$8.0M	N/A	$7.4M-3.0%	$7.7M-1.1%	$7.7M	N/A
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$2.2M+2.9%	$2.1M-2.3%	$2.1M	N/A	$2.1M-4.2%	$2.2M-3.2%	$2.3M	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$2.6M-2.9%	$2.7M-2.3%	$2.7M	N/A	$2.8M-10.0%	$3.1M-7.7%	$3.3M	N/A
Income Tax	$318K-27.4%	$438K+4.8%	$418K	N/A	$207K+10.7%	$187K+9450.0%	-$2K	N/A
Net Income	$1.5M-12.1%	$1.7M+4.8%	$1.6M	N/A	$748K-26.7%	$1.0M+8.4%	$941K	N/A
EPS (Diluted)	$0.48-11.1%	$0.54+3.8%	$0.52	N/A	$0.24-27.3%	$0.33+6.5%	$0.31	N/A

HFBL Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$609.5M-4.4%	$637.5M-3.5%	$660.9M+11.9%	$590.5M+4.4%	$565.7M+9.2%	$518.2M
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$17.3M-50.4%	$34.9M+41.1%	$24.8M-61.4%	$64.1M-38.6%	$104.4M+90.3%	$54.9M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$3.0M0.0%	$3.0M0.0%	$3.0M	$0	N/A	N/A
Total Liabilities	$554.3M-5.2%	$584.7M-4.2%	$610.4M+13.4%	$538.1M+4.9%	$513.0M+9.7%	$467.7M
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$55.2M+4.5%	$52.8M+4.5%	$50.5M-3.4%	$52.3M-0.7%	$52.7M+4.3%	$50.5M
Retained Earnings	$15.2M+8.4%	$14.1M+10.6%	$12.7M-12.4%	$14.5M-6.2%	$15.5M+11.0%	$13.9M

Metric	Q3'26	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24
Total Assets	$641.6M+3.3%	$621.4M-0.2%	$622.6M+2.2%	$609.5M-1.6%	$619.6M+2.0%	$607.8M-3.3%	$628.4M-1.4%	$637.5M
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$28.9M+50.2%	$19.3M-27.3%	$26.5M+52.7%	$17.3M-43.0%	$30.4M+55.8%	$19.5M-52.4%	$41.0M+17.4%	$34.9M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$3.0M0.0%	$3.0M0.0%	$3.0M0.0%	$3.0M0.0%	$3.0M0.0%	$3.0M0.0%	$3.0M0.0%	$3.0M
Total Liabilities	$583.6M+3.5%	$563.7M-0.4%	$566.0M+2.1%	$554.3M-1.9%	$564.9M+2.0%	$553.8M-3.5%	$574.1M-1.8%	$584.7M
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$58.0M+0.4%	$57.7M+2.0%	$56.6M+2.5%	$55.2M+0.9%	$54.7M+1.5%	$53.9M-0.6%	$54.3M+2.8%	$52.8M
Retained Earnings	$15.8M+2.8%	$15.4M-4.5%	$16.1M+5.9%	$15.2M+1.4%	$15.0M+1.1%	$14.9M+3.2%	$14.4M+2.5%	$14.1M

HFBL Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$5.5M+136.1%	$2.3M-80.9%	$12.1M-29.0%	$17.1M+104.7%	$8.3M+4066.0%	$200K
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A
Investing Cash Flow	$10.2M-70.4%	$34.5M+129.9%	-$115.3M-46.4%	-$78.8M-5448.8%	-$1.4M+95.6%	-$32.5M
Financing Cash Flow	-$33.3M-25.0%	-$26.6M-141.7%	$63.9M+198.5%	$21.4M-49.8%	$42.6M-38.3%	$69.1M
Dividends Paid	$1.6M+3.8%	$1.6M+2.5%	$1.5M+13.1%	$1.4M+20.6%	$1.1M-1.8%	$1.1M
Share Buybacks	$1.1M+120.3%	$487K-91.8%	$6.0M+33.0%	$4.5M+72.9%	$2.6M-37.4%	$4.1M

Metric	Q3'26	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24
Operating Cash Flow	-$1.3M-144.6%	$2.9M+2.8%	$2.8M+172.2%	$1.0M+2.9%	$991K-61.7%	$2.6M+197.4%	$871K-53.1%	$1.9M
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Investing Cash Flow	-$9.4M-43.8%	-$6.5M-59.2%	-$4.1M-40.1%	-$2.9M-1895.7%	$163K+104.5%	-$3.6M-121.9%	$16.6M-47.8%	$31.8M
Financing Cash Flow	$20.3M+673.4%	-$3.5M-133.9%	$10.5M+193.6%	-$11.2M-214.8%	$9.7M+147.7%	-$20.4M-79.4%	-$11.4M-68.7%	-$6.8M
Dividends Paid	$417K-0.2%	$418K+0.7%	$415K+2.2%	$406K-0.5%	$408K+0.2%	$407K-0.5%	$409K+4.3%	$392K
Share Buybacks	$623K-68.7%	$2.0M+613.6%	$279K-49.9%	$557K+206.0%	$182K+19.7%	$152K-16.5%	$182K-59.4%	$448K

HFBL Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	298.4%-25.6pp	324.0%-62.2pp	386.2%-38.7pp	424.9%-116.5pp	541.4%+163.9pp	377.5%
Return on Equity	7.0%+0.2pp	6.8%-4.5pp	11.3%+2.0pp	9.3%-0.9pp	10.2%+2.6pp	7.6%
Return on Assets	0.6%+0.1pp	0.6%-0.3pp	0.9%+0.0pp	0.8%-0.1pp	0.9%+0.2pp	0.7%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	10.04-1.0	11.07-1.0	12.08+1.8	10.28+0.6	9.73+0.5	9.25
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q3'26	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	18.4%-2.4pp	20.8%+0.8pp	20.0%	N/A	10.1%-3.3pp	13.3%+1.2pp	12.2%	N/A
Return on Equity	2.5%-0.4pp	2.9%+0.1pp	2.8%	N/A	1.4%-0.5pp	1.9%+0.2pp	1.7%	N/A
Return on Assets	0.2%-0.0pp	0.3%+0.0pp	0.3%	N/A	0.1%-0.1pp	0.2%+0.0pp	0.1%	N/A
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	10.06+0.3	9.76-0.2	10.00-0.0	10.04-0.3	10.32+0.1	10.27-0.3	10.58-0.5	11.07
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

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Frequently Asked Questions

What is Home Fed Bancorp Inc La's annual revenue?

Home Fed Bancorp Inc La (HFBL) reported $1.3M in total revenue for fiscal year 2025. This represents a 17.5% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Home Fed Bancorp Inc La's revenue growing?

Home Fed Bancorp Inc La (HFBL) revenue grew by 17.5% year-over-year, from $1.1M to $1.3M in fiscal year 2025.

Is Home Fed Bancorp Inc La profitable?

Yes, Home Fed Bancorp Inc La (HFBL) reported a net income of $3.9M in fiscal year 2025, with a net profit margin of 298.4%.

What is Home Fed Bancorp Inc La's net profit margin?

Home Fed Bancorp Inc La (HFBL) had a net profit margin of 298.4% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

What is Home Fed Bancorp Inc La's return on equity (ROE)?

Home Fed Bancorp Inc La (HFBL) has a return on equity of 7.0% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Home Fed Bancorp Inc La's operating cash flow?

Home Fed Bancorp Inc La (HFBL) generated $5.5M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Home Fed Bancorp Inc La's total assets?

Home Fed Bancorp Inc La (HFBL) had $609.5M in total assets as of fiscal year 2025, including both current and long-term assets.

Does Home Fed Bancorp Inc La buy back shares?

Yes, Home Fed Bancorp Inc La (HFBL) spent $1.1M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Home Fed Bancorp Inc La have outstanding?

Home Fed Bancorp Inc La (HFBL) had 3M shares outstanding as of fiscal year 2025.

What is Home Fed Bancorp Inc La's debt-to-equity ratio?

Home Fed Bancorp Inc La (HFBL) had a debt-to-equity ratio of 10.04 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Home Fed Bancorp Inc La's return on assets (ROA)?

Home Fed Bancorp Inc La (HFBL) had a return on assets of 0.6% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Home Fed Bancorp Inc La's Piotroski F-Score?

Home Fed Bancorp Inc La (HFBL) has a Piotroski F-Score of 6 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Home Fed Bancorp Inc La's earnings high quality?

Home Fed Bancorp Inc La (HFBL) has an earnings quality ratio of 1.41x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Home Fed Bancorp Inc La?

Home Fed Bancorp Inc La (HFBL) scores 9 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.