Home Fed Bancorp Inc La Financials
Home Fed Bancorp Inc La (HFBL) reported $1.3M in revenue for fiscal year 2025, up 17.5% from the prior fiscal year. This page shows its 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).
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
The structure is improving slowly, with liabilities down by
Financial Health Signals
Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. 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.
Not available for Home Fed Bancorp Inc La, and counted as zero in the overall score.
Home Fed Bancorp Inc La passes 6 of 6 computable financial strength tests (3 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), all 1 leverage/liquidity signals pass, both operating efficiency signals pass.
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
Earnings & Revenue
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.
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.
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.
Not reported for fiscal year 2025.
Cash & Balance Sheet
Home Fed Bancorp Inc La held $17.3M in cash as of fiscal year 2025; long-term debt is not reported for that period.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
Margins & Returns
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.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
Not shown for fiscal year 2025: the reported ratio is above 100.0% of revenue, so it does not read as a share of revenue.
Capital Allocation
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.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
HFBL Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | TTM | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | N/A | $1.3M+17.5% | $1.1M-24.9% | $1.5M+28.8% | $1.1M+15.7% | $991K-2.8% | $1.0M+4.6% | $975K-94.7% | $18.4M+9.1% | $16.9M+9.3% | $15.5M+4.6% | $14.8M+12.1% | $13.2M+0.1% | $13.2M+3.4% | $12.7M+23.6% | $10.3M |
| SG&A Expenses | N/A | $8.9M-6.1% | $9.5M+4.8% | $9.1M+0.8% | $9.0M+4.1% | $8.7M+12.7% | $7.7M+19.3% | $6.4M-0.9% | $6.5M-9.1% | $7.2M+5.0% | $6.8M+8.8% | $6.3M+11.4% | $5.6M+1.8% | $5.5M+8.5% | $5.1M+25.0% | $4.1M |
| Interest Expense | N/A | $11.8M-8.7% | $12.9M+154.2% | $5.1M+170.6% | $1.9M-43.2% | $3.3M-35.9% | $5.2M+13.7% | $4.5M+29.7% | $3.5M+24.7% | $2.8M+7.4% | $2.6M+5.2% | $2.5M+6.2% | $2.3M-9.4% | $2.6M-15.4% | $3.0M-4.3% | $3.2M |
| Income Tax | N/A | $766K+60.9% | $476K-55.3% | $1.1M-5.4% | $1.1M-22.0% | $1.4M+51.0% | $957K-25.4% | $1.3M-43.0% | $2.3M+28.1% | $1.8M+6.9% | $1.6M-1.0% | $1.7M+24.7% | $1.3M-18.2% | $1.6M+44.5% | $1.1M+20.1% | $938K |
| Net Income | N/A | $3.9M+8.2% | $3.6M-37.0% | $5.7M+17.1% | $4.9M-9.2% | $5.4M+39.4% | $3.9M-18.8% | $4.7M+32.9% | $3.6M-2.3% | $3.7M+8.1% | $3.4M+0.7% | $3.4M+22.3% | $2.7M-12.3% | $3.1M+10.1% | $2.8M+46.7% | $1.9M |
| EPS (Diluted) | — | $1.26+7.7% | $1.17-35.4% | $1.81+28.4% | $1.41-10.2% | $1.57 | $1.07 | $2.50+33.7% | $1.87-2.1% | $1.91+9.8% | $1.74+5.5% | $1.65+27.9% | $1.29-1.5% | $1.31+29.7% | $1.01+50.7% | $0.67 |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income.
TTM is the trailing twelve months, Q4 FY2025 through Q3 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
HFBL Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | $609.5M-4.4% | $637.5M-3.5% | $660.9M+11.9% | $590.5M+4.4% | $565.7M+9.2% | $518.2M+17.1% | $442.5M+4.9% | $421.6M-1.2% | $426.6M+11.8% | $381.7M+3.2% | $369.8M+12.2% | $329.5M+18.9% | $277.2M-6.4% | $296.2M+26.9% | $233.3M |
| Cash & Equivalents | $17.3M-50.4% | $34.9M+41.1% | $24.8M-61.4% | $64.1M-38.6% | $104.4M+90.3% | $54.9M+203.0% | $18.1M+14.1% | $15.9M+33.3% | $11.9M+150.3% | $4.8M-77.5% | $21.2M+55.3% | $13.6M+270.0% | $3.7M-89.4% | $34.9M+263.2% | $9.6M |
| Goodwill | $3.0M0.0% | $3.0M0.0% | $3.0M | $0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 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+19.3% | $392.1M+4.7% | $374.6M-1.5% | $380.4M+12.4% | $338.3M+3.6% | $326.4M+13.8% | $286.8M+21.9% | $235.2M-4.5% | $246.3M+35.2% | $182.1M |
| Total Equity | $55.2M+4.5% | $52.8M+4.5% | $50.5M-3.4% | $52.3M-0.7% | $52.7M+4.3% | $50.5M+0.4% | $50.3M+7.0% | $47.0M+1.7% | $46.2M+6.6% | $43.4M0.0% | $43.4M+1.4% | $42.8M+1.9% | $42.0M-15.8% | $49.9M-2.5% | $51.2M |
| Retained Earnings | $15.2M+8.4% | $14.1M+10.6% | $12.7M-12.4% | $14.5M-6.2% | $15.5M+11.0% | $13.9M-9.3% | $15.4M+8.8% | $14.1M+6.0% | $13.3M+20.9% | $11.0M-5.5% | $11.7M-57.7% | $27.6M+8.6% | $25.4M+10.9% | $22.9M+10.2% | $20.8M |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Long-Term Debt.
HFBL Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | TTM | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $5.4M | $5.5M+136.1% | $2.3M-80.9% | $12.1M-29.0% | $17.1M+104.7% | $8.3M+4066.0% | $200K-95.8% | $4.8M-63.4% | $13.1M+288.3% | $3.4M-52.1% | $7.1M+1084.9% | -$716K+70.1% | -$2.4M-120.9% | $11.5M+838.8% | -$1.6M-119.6% | $7.9M |
| Capital Expenditures | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $671K-74.4% | $2.6M+23.8% | $2.1M-19.6% | $2.6M+37.9% | $1.9M+67.5% | $1.1M+6.0% | $1.1M |
| Free Cash Flow | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $2.7M-39.0% | $4.4M+256.4% | -$2.8M+43.7% | -$5.0M-152.7% | $9.6M+455.0% | -$2.7M-139.3% | $6.9M |
| Investing Cash Flow | -$23.0M | $10.2M-70.4% | $34.5M+129.9% | -$115.3M-46.4% | -$78.8M-5448.8% | -$1.4M+95.6% | -$32.5M-86.5% | -$17.4M-2190.3% | -$761K+97.9% | -$37.0M-19.5% | -$30.9M | N/A | -$36.2M-68.3% | -$21.5M+35.3% | -$33.3M+39.3% | -$54.8M |
| Financing Cash Flow | $16.1M | -$33.3M-25.0% | -$26.6M-141.7% | $63.9M+198.5% | $21.4M-49.8% | $42.6M-38.3% | $69.1M+364.4% | $14.9M+277.5% | -$8.4M-120.6% | $40.8M+444.5% | $7.5M | N/A | $48.6M+329.9% | -$21.1M-135.2% | $60.1M+26.2% | $47.6M |
| Dividends Paid | $1.7M | $1.6M+3.8% | $1.6M+2.5% | $1.5M+13.1% | $1.4M+20.6% | $1.1M-1.8% | $1.1M+8.7% | $1.1M+13.7% | $924K+31.1% | $705K+6.8% | $660K+7.7% | $613K+11.3% | $551K-12.8% | $632K-13.1% | $727K+42.3% | $511K |
| Share Buybacks | $3.5M | $1.1M+120.3% | $487K-91.8% | $6.0M+33.0% | $4.5M+72.9% | $2.6M-37.4% | $4.1M+69.3% | $2.4M+25.2% | $2.0M+203.1% | $645K-80.8% | $3.4M+14.7% | $2.9M+25.7% | $2.3M-77.4% | $10.3M+298.1% | $2.6M+5510.9% | $46K |
TTM is the trailing twelve months, Q4 FY2025 through Q3 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
HFBL Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 298.4% | 324.0% | 386.2% | 424.9% | 541.4% | 377.5% | 486.5% | 19.4%-2.2pp | 21.6%-0.2pp | 21.9%-0.9pp | 22.7%+1.9pp | 20.8%-3.0pp | 23.8%+1.4pp | 22.4%+3.5pp | 18.8% |
| 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%-1.8pp | 9.4%+1.8pp | 7.6%-0.3pp | 7.9%+0.1pp | 7.8%+0.1pp | 7.7%+1.3pp | 6.4%-1.0pp | 7.5%+1.8pp | 5.7%+1.9pp | 3.8% |
| 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%-0.3pp | 1.1%+0.2pp | 0.9%0.0pp | 0.9%0.0pp | 0.9%0.0pp | 0.9%+0.1pp | 0.8%-0.3pp | 1.1%+0.2pp | 1.0%+0.1pp | 0.8% |
| Debt-to-Equity | 10.04-1.0x | 11.07-1.0x | 12.08+1.8x | 10.28+0.6x | 9.73+0.5x | 9.25+1.5x | 7.79-0.2x | 7.96-0.3x | 8.22+0.4x | 7.80+0.3x | 7.52+0.8x | 6.70+1.1x | 5.60+0.7x | 4.94+1.4x | 3.56 |
| FCF Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 16.0%-12.7pp | 28.7%+47.9pp | -19.2%+19.0pp | -38.2%-110.9pp | 72.7%+93.8pp | -21.2%-87.7pp | 66.5% |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
Reported as filed but not readable as a share of revenue in the periods where the ratio runs further from zero than a revenue base allows; no change figure is given where either compared period is one of those: Net Margin.
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Where Home Fed Bancorp Inc La Ranks
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.
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.
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 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 24 out of 100 on our Financial Health Score, indicating weak standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.