What is Home Federal Bancorp, Inc. of Louisiana's earnings per share (EPS)?

Home Federal Bancorp, Inc. of Louisiana (HFBL) reported diluted earnings per share of $2.02 for fiscal year 2026. This represents a 60.3% 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 Federal Bancorp, Inc. of Louisiana (HFBL) Financials

HFBL

FY2026 annual

Revenue $24.5M +18.3% YoY

Net Income $6.2M +58.8% YoY

EPS (Diluted) $2.02 +60.3% YoY

Operating Cash Flow $7.6M +39.3% YoY

Market Cap $73.2M as of Oct 6, 2026

Price / Sales 3.0x on $24.5M revenue, FY2026

Price / Earnings 11.9x on $6.2M net income, FY2026

Price / Book 1.2x on $58.8M equity, Q4 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 6, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period FY2026, ended Jun 30, 2026 Reported Sep 25, 2026 Currency USD FYE June

Newest figures come from the 10-K for FY2026, filed Sep 25, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the HFBL SEC filings page.

Home Federal Bancorp, Inc. of Louisiana (HFBL) reported $24.5M in revenue for fiscal year 2026, up 18.3% 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).

Rhea AI HFBL FY2026 2026-10-04

The earnings rebound is tied to lower funding expense, while the bank remains heavily liability-financed.

The margin recovery from FY2024 to FY2026 coincided with lower interest expense, pointing to funding-cost relief rather than a simple scale story. In FY2026, operating cash flow reached $7.6M against $6.2M of net income, after running below profit in FY2024, so earnings and cash generation have not moved in lockstep.

Debt-to-equity eased from 12.1x in FY2023 to 9.9x in FY2026, indicating some balance-sheet strengthening rather than a change to the bank’s funding model. Equity increased to $58.8M by FY2026, but liabilities still stood at $584.6M, so the institution remains predominantly funded by obligations.

Revenue recovered in FY2026 while net income rose to $6.2M; earnings therefore regained more ground than the topline alone would imply. Selling, general and administrative expense was $8.9M, below FY2024’s $9.5M despite higher revenue, so expense discipline also contributed to the margin rebound.

Financial Health Signals

Financial Health Score 33/100

Scored as: Banks peer group

Scored against banks for FY2026. 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 Federal Bancorp, Inc. of Louisiana'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.

Earnings

Home Federal Bancorp, Inc. of Louisiana earned a return on assets of 1.0% in fiscal year 2026, which is the profit it made on every dollar of assets on its books. This is up from 0.6% the prior year. Earnings ranks banks on that return over three years, and Home Federal Bancorp, Inc. of Louisiana scores 42/100 among other banks.

Growth

Home Federal Bancorp, Inc. of Louisiana reported revenue of $24.5M in fiscal year 2026, against $20.7M in fiscal year 2025. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Home Federal Bancorp, Inc. of Louisiana scores 56/100 among other banks.

Capital

Home Federal Bancorp, Inc. of Louisiana funded 9.1% of its assets with shareholders' equity at the end of fiscal year 2026, holding $58.8M of equity against $643.3M of assets. Capital ranks banks on that cushion, and Home Federal Bancorp, Inc. of Louisiana scores 19/100 among other banks.

Efficiency

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Home Federal Bancorp, Inc. of Louisiana scores 24/100 on it among other banks.

Credit Quality

Not available for Home Federal Bancorp, Inc. of Louisiana, and counted as zero in the overall score.

Stability

Home Federal Bancorp, Inc. of Louisiana reported net income of $6.2M in fiscal year 2026, against $3.9M in fiscal year 2025. Stability ranks banks on how steady net income has been across five years, and Home Federal Bancorp, Inc. of Louisiana scores 58/100 among other banks.

Piotroski F-Score Partial

6/6

Home Federal Bancorp, Inc. of Louisiana 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.

Earnings Quality Cash-Backed

1.23x

For every $1 of reported earnings, Home Federal Bancorp, Inc. of Louisiana generates $1.23 in operating cash flow ($7.6M OCF vs $6.2M 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

$6.5M

YoY+15.2%

QoQ+7.9%

5Y CAGR+5.2%

10Y CAGR+4.2%

Home Federal Bancorp, Inc. of Louisiana generated $6.5M in revenue in Q4 2026. This represents an increase of 15.2% from the same quarter a year earlier. Against the prior quarter it is up 7.9%.

Net Income

$1.4M

YoY+21.1%

QoQ-3.0%

5Y CAGR+1.9%

10Y CAGR+3.8%

Home Federal Bancorp, Inc. of Louisiana reported $1.4M in net income in Q4 2026. This represents an increase of 21.1% from the same quarter a year earlier. Against the prior quarter it is down 3.0%.

EPS (Diluted)

$0.47

YoY+23.7%

QoQ-2.1%

5Y CAGR+4.9%

10Y CAGR-1.0%

Home Federal Bancorp, Inc. of Louisiana earned $0.47 per diluted share (EPS) in Q4 2026. This represents an increase of 23.7% from the same quarter a year earlier. Against the prior quarter it is down 2.1%.

EBITDA

Not reported for Q4 2026.

Cash & Balance Sheet

Cash & Debt

$34.3M

YoY+97.8%

QoQ+18.5%

5Y CAGR-20.0%

Home Federal Bancorp, Inc. of Louisiana held $34.3M in cash as of Q4 2026; long-term debt is not reported for that period.

Shares Outstanding

YoY-0.9%

QoQ-0.8%

5Y CAGR-2.0%

10Y CAGR+4.5%

Home Federal Bancorp, Inc. of Louisiana had 3M shares outstanding in Q4 2026. This represents a decrease of 0.9% from the same quarter a year earlier. Against the prior quarter it is down 0.8%.

Free Cash Flow

Not reported for Q4 2026.

Dividends Per Share

Not reported for Q4 2026.

Margins & Returns

Net Margin

21.9%

YoY+1.1pp

QoQ-2.5pp

5Y change-3.7pp

10Y change-0.8pp

Home Federal Bancorp, Inc. of Louisiana's net profit margin was 21.9% in Q4 2026, showing the share of revenue converted to profit. This is up 1.1 percentage points from the same quarter a year earlier. Against the prior quarter it is down 2.5 percentage points.

Return on Equity

2.4%

YoY+0.3pp

QoQ-0.1pp

5Y change0.0pp

10Y change+0.2pp

Home Federal Bancorp, Inc. of Louisiana's ROE was 2.4% in Q4 2026, measuring profit generated per dollar of shareholder equity. This is up 0.3 percentage points from the same quarter a year earlier. Against the prior quarter it is down 0.1 percentage points.

Gross Margin

Not reported for Q4 2026.

Operating Margin

Not reported for Q4 2026.

Capital Allocation

Share Buybacks

$440K

YoY-21.0%

QoQ-29.4%

5Y CAGR-14.1%

10Y CAGR-3.6%

Home Federal Bancorp, Inc. of Louisiana spent $440K on share buybacks in Q4 2026, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 21.0% from the same quarter a year earlier. Against the prior quarter it is down 29.4%.

R&D Spending

Not reported for Q4 2026.

Capital Expenditures

Not reported for Q4 2026.

HFBL Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

HFBL quarterly income statement

Metric	FY2610-K	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K
Revenue	$24.5M+18.3%	$20.7M+0.7%	$20.5M-13.2%	$23.7M+13.5%	$20.8M-7.0%	$22.4M+17.4%	$19.1M+7.8%	$17.7M-1.2%	$17.9M-0.4%	$18.0M+11.7%	$16.1M+5.6%	$15.3M+15.7%	$13.2M-5.9%	$14.0M+7.7%	$13.0M
SG&A Expenses	$8.9M-1.0%	$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
Interest Expense	$10.7M-9.2%	$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
Income Tax	$1.6M+110.3%	$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
Net Income	$6.2M+58.8%	$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
EPS (Basic)	$2.05+61.4%	$1.27+7.6%	$1.18-37.6%	$1.89+26.0%	$1.50-9.6%	$1.66+44.3%	$1.15-57.1%	$2.68+35.4%	$1.98-1.5%	$2.01+11.7%	$1.80+5.9%	$1.70+27.8%	$1.33-0.7%	$1.34+31.4%	$1.02
EPS (Diluted)	$2.02+60.3%	$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
Diluted Shares (Avg)	3M-0.5%	3M-0.1%	3M-2.2%	3M-9.0%	3M+1.1%	3M	4M	2M-0.9%	2M+0.1%	2M-1.7%	2M-4.4%	2M-4.2%	2M-11.4%	2M-15.0%	3M

Metric	Q4'2610-K	Q3'2610-Q	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q
Revenue	$6.5M+15.2%	$6.0M+15.7%	$6.0M+18.2%	$5.9M+25.0%	$5.6M+16.1%	$5.2M+6.2%	$5.1M+1.0%	$4.7M-17.3%
SG&A Expenses	$2.4M+7.3%	$2.2M+1.2%	$2.1M-5.7%	$2.1M-6.6%	$2.3M-4.8%	$2.1M-12.9%	$2.2M-4.3%	$2.3M-2.3%
Interest Expense	$2.7M-0.1%	$2.6M-5.2%	$2.7M-12.2%	$2.7M-17.0%	$2.7M-22.9%	$2.8M-21.1%	$3.1M-3.7%	$3.3M+18.8%
Income Tax	$437K+16.8%	$318K+53.6%	$438K+134.2%	$418K+21000.0%	$374K+101.1%	$207K+17.6%	$187K+195.4%	-$2K-100.6%
Net Income	$1.4M+21.1%	$1.5M+96.8%	$1.7M+64.2%	$1.6M+69.9%	$1.2M+84.8%	$748K+2.2%	$1.0M+1.7%	$941K-22.9%
EPS (Basic)	$0.48+23.1%	$0.49+104.2%	$0.55+66.7%	$0.53+71.0%	$0.39+85.7%	$0.240.0%	$0.330.0%	$0.31-22.5%
EPS (Diluted)	$0.47+23.7%	$0.48+100.0%	$0.54+63.6%	$0.52+67.7%	$0.38+72.7%	$0.240.0%	$0.330.0%	$0.31-20.5%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA, Diluted Shares (Avg).

HFBL Balance Sheet

HFBL quarterly balance sheet

Metric	FY2610-K	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K
Total Assets	$643.3M+5.6%	$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
Cash & Equivalents	$34.3M+97.8%	$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
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$3.0M0.0%	$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
Total Liabilities	$584.6M+5.5%	$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
Total Equity	$58.8M+6.4%	$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
Retained Earnings	$16.4M+7.8%	$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

Metric	Q4'2610-K	Q3'2610-Q	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q
Total Assets	$643.3M+5.6%	$641.6M+3.6%	$621.4M+2.3%	$622.6M-0.9%	$609.5M-4.4%	$619.6M-3.6%	$607.8M-7.1%	$628.4M-5.2%
Cash & Equivalents	$34.3M+97.8%	$28.9M-4.9%	$19.3M-1.4%	$26.5M-35.5%	$17.3M-50.4%	$30.4M+279.6%	$19.5M+125.4%	$41.0M+362.3%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$3.0M0.0%	$3.0M0.0%	$3.0M0.0%	$3.0M0.0%	$3.0M0.0%	$3.0M0.0%	$3.0M0.0%	$3.0M0.0%
Total Liabilities	$584.6M+5.5%	$583.6M+3.3%	$563.7M+1.8%	$566.0M-1.4%	$554.3M-5.2%	$564.9M-4.3%	$553.8M-7.9%	$574.1M-6.2%
Total Equity	$58.8M+6.4%	$58.0M+6.0%	$57.7M+7.1%	$56.6M+4.3%	$55.2M+4.5%	$54.7M+4.1%	$53.9M+2.5%	$54.3M+7.5%
Retained Earnings	$16.4M+7.8%	$15.8M+5.5%	$15.4M+3.7%	$16.1M+12.1%	$15.2M+8.4%	$15.0M+5.4%	$14.9M+6.7%	$14.4M+7.9%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities, Long-Term Debt.

HFBL Cash Flow Statement

HFBL quarterly cash flow statement

Metric	FY2610-K	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K
Operating Cash Flow	$7.6M+39.3%	$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
Depreciation & Amortization	$1.4M-0.4%	$1.4M+7.0%	$1.3M+22.5%	$1.0M+36.7%	$763K+14.7%	$665K+1.8%	$653K+21.8%	$536K+6.6%	$503K-0.4%	$505K+14.5%	$441K+14.8%	$384K+26.7%	$303K+36.5%	$222K+8.3%	$205K
Stock-Based Compensation	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$152K+65.2%	$92K	$0-100.0%	$162K-2.4%	$166K+124.3%	$74K
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
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
Investing Cash Flow	-$18.0M-276.5%	$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
Financing Cash Flow	$27.4M+182.2%	-$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
Dividends Paid	$1.7M+2.1%	$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
Share Buybacks	$3.3M+210.6%	$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

Metric	Q4'2610-K	Q3'2610-Q	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q
Operating Cash Flow	$3.3M+219.9%	-$1.3M-228.6%	$2.9M+10.2%	$2.8M+218.7%	$1.0M-45.1%	$991K+52.5%	$2.6M+198.3%	$871K-64.4%
Depreciation & Amortization	$400K-1.7%	$309K-15.3%	$320K+7.0%	$333K+12.5%	$407K+32.1%	$365K+16.2%	$299K-11.5%	$296K-6.9%
Investing Cash Flow	$2.0M+168.2%	-$9.4M-5863.2%	-$6.5M-79.2%	-$4.1M-124.7%	-$2.9M-109.2%	$163K-98.4%	-$3.6M-135.3%	$16.6M+191.6%
Financing Cash Flow	$102K+100.9%	$20.3M+108.8%	-$3.5M+82.7%	$10.5M+191.9%	-$11.2M-65.6%	$9.7M+182.7%	-$20.4M-159.0%	-$11.4M-5994.1%
Dividends Paid	$413K+1.7%	$417K+2.2%	$418K+2.7%	$415K+1.5%	$406K+3.6%	$408K+3.8%	$407K+3.8%	$409K+4.3%
Share Buybacks	$440K-21.0%	$623K+242.3%	$2.0M+1209.9%	$279K+53.3%	$557K+24.3%	$182K+1922.2%	$152K+406.7%	$182K

Not reported in any period shown, so not listed: Stock-Based Compensation, Capital Expenditures, Free Cash Flow.

HFBL Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

HFBL quarterly financial ratios

Metric	FY2610-K	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K
Net Margin	25.2%+6.4pp	18.8%+1.3pp	17.5%-6.6pp	24.1%+0.7pp	23.4%-0.6pp	24.0%+3.8pp	20.2%-6.6pp	26.8%+6.9pp	19.9%-0.4pp	20.3%-0.7pp	21.0%-1.0pp	22.0%+1.2pp	20.8%-1.5pp	22.4%+0.5pp	21.9%
Return on Equity	10.5%+3.5pp	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%
Return on Assets	1.0%+0.3pp	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%
Debt-to-Equity	9.95-0.1x	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
Asset Turnover	0.040.0x	0.030.0x	0.030.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.050.0x	0.04
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	15.0%-12.5pp	27.5%+46.1pp	-18.6%+19.6pp	-38.2%-106.5pp	68.3%+89.0pp	-20.7%

Metric	Q4'2610-K	Q3'2610-Q	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q
Net Margin	21.9%+1.1pp	24.4%+10.1pp	27.9%+7.8pp	27.1%+7.1pp	20.9%+7.8pp	14.3%-0.6pp	20.1%+0.2pp	19.9%-1.4pp
Return on Equity	2.4%+0.3pp	2.5%+1.2pp	2.9%+1.0pp	2.8%+1.1pp	2.1%+0.9pp	1.4%0.0pp	1.9%0.0pp	1.7%-0.7pp
Return on Assets	0.2%0.0pp	0.2%+0.1pp	0.3%+0.1pp	0.3%+0.1pp	0.2%+0.1pp	0.1%0.0pp	0.2%0.0pp	0.1%0.0pp
Debt-to-Equity	9.95-0.1x	10.06-0.3x	9.76-0.5x	10.00-0.6x	10.04-1.0x	10.32-0.9x	10.27-1.2x	10.58-1.5x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio, FCF Margin.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
Home Federal Bancorp, Inc. of Louisiana HFBL	FY2026	$24.5M	$6.2M	25.2%	$73.2M	33/100
AmeriServ Financial Inc ASRV	FY2025	$59.3M	$5.6M	9.5%	$74.5M	22/100
OptimumBank Holdings, Inc. OPHC	FY2025	$49.4M	$16.6M	33.7%	$109.9M	63/100
Texas Community Bancshares, Inc. TCBS	FY2025	$16.4M	$2.8M	17.3%	$48.8M	36/100
BayFirst Financial Corp. BAFN	FY2025	$63.1M	-$24.6M	-39.0%	$145.1M	6/100
Kentucky First Federal Bancorp KFFB	FY2025	$8.8M	$181K	2.1%	$46.5M	18/100

Where Home Federal Bancorp, Inc. of Louisiana Ranks

Frequently Asked Questions

What is Home Federal Bancorp, Inc. of Louisiana's annual revenue?

Home Federal Bancorp, Inc. of Louisiana (HFBL) reported $24.5M in total revenue for fiscal year 2026. This represents a 18.3% 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 Federal Bancorp, Inc. of Louisiana's revenue growing?

Home Federal Bancorp, Inc. of Louisiana (HFBL) revenue grew by 18.3% year-over-year, from $20.7M to $24.5M in fiscal year 2026.

Is Home Federal Bancorp, Inc. of Louisiana profitable?

Yes, Home Federal Bancorp, Inc. of Louisiana (HFBL) reported a net income of $6.2M in fiscal year 2026, with a net profit margin of 25.2%.

What is Home Federal Bancorp, Inc. of Louisiana's net profit margin?

Home Federal Bancorp, Inc. of Louisiana (HFBL) had a net profit margin of 25.2% in fiscal year 2026, representing the share of revenue converted into profit after all expenses.

What is Home Federal Bancorp, Inc. of Louisiana's return on equity (ROE)?

Home Federal Bancorp, Inc. of Louisiana (HFBL) has a return on equity of 10.5% for fiscal year 2026, measuring how efficiently the company generates profit from shareholder equity.

What is Home Federal Bancorp, Inc. of Louisiana's operating cash flow?

Home Federal Bancorp, Inc. of Louisiana (HFBL) generated $7.6M in operating cash flow during fiscal year 2026, representing cash generated from core business activities.

What are Home Federal Bancorp, Inc. of Louisiana's total assets?

Home Federal Bancorp, Inc. of Louisiana (HFBL) had $643.3M in total assets as of fiscal year 2026, including both current and long-term assets.

Does Home Federal Bancorp, Inc. of Louisiana buy back shares?

Yes, Home Federal Bancorp, Inc. of Louisiana (HFBL) spent $3.3M on share buybacks during fiscal year 2026, returning capital to shareholders by reducing shares outstanding.

How many shares does Home Federal Bancorp, Inc. of Louisiana have outstanding?

Home Federal Bancorp, Inc. of Louisiana (HFBL) had 3M shares outstanding as of fiscal year 2026.

What is Home Federal Bancorp, Inc. of Louisiana's debt-to-equity ratio?

Home Federal Bancorp, Inc. of Louisiana (HFBL) had a debt-to-equity ratio of 9.95 as of fiscal year 2026, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Home Federal Bancorp, Inc. of Louisiana's return on assets (ROA)?

Home Federal Bancorp, Inc. of Louisiana (HFBL) had a return on assets of 1.0% for fiscal year 2026, measuring how efficiently the company uses its assets to generate profit.

What is Home Federal Bancorp, Inc. of Louisiana's P/E ratio?

Home Federal Bancorp, Inc. of Louisiana (HFBL) trades at 11.9x earnings, its market capitalization divided by net income of $6.2M net income, FY2026. The market capitalization is $73.2M as of Oct 6, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Home Federal Bancorp, Inc. of Louisiana's price-to-sales ratio?

Home Federal Bancorp, Inc. of Louisiana (HFBL) trades at 3.0x sales, its market capitalization divided by revenue of $24.5M revenue, FY2026. The market capitalization is $73.2M as of Oct 6, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Home Federal Bancorp, Inc. of Louisiana's Piotroski F-Score?

Home Federal Bancorp, Inc. of Louisiana (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 Federal Bancorp, Inc. of Louisiana's earnings high quality?

Home Federal Bancorp, Inc. of Louisiana (HFBL) has an earnings quality ratio of 1.23x, 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 Federal Bancorp, Inc. of Louisiana?

Home Federal Bancorp, Inc. of Louisiana (HFBL) scores 33 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.