Home Federal Bancorp (Nasdaq: HFBL) reported net income of $1.472M for Q3 ended March 31, 2026, and $4.746M for the nine months ended March 31, 2026. EPS was $0.49 (basic) and $0.48 (diluted) for the quarter; nine-month EPS was $1.57 (basic) and $1.55 (diluted).
Key operating metrics: net interest margin 3.75% (quarter) and 3.68% (nine months), book value $18.96 per share at March 31, 2026, and total assets of $641.649M.
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Positive
Net income +97% for quarter to $1.472M
Nine-month net income of $4.746M (vs $2.708M prior year)
EPS (nine months) $1.57 basic, $1.55 diluted
Net interest margin 3.68% for nine months (+54 bps)
Book value per share increased to $18.96
Negative
Provision for credit losses rose materially (quarter increase 4,383.3%)
Provision for income taxes increased (nine months up 199.5%)
Non-performing assets increased to $4.197M from $3.305M
This announcement highlights solid operational progress, with quarterly and nine-month net income up...
Analysis
This announcement highlights solid operational progress, with quarterly and nine-month net income up sharply, net interest margin rising to 3.68%, and book value per share increasing to $18.96. At the same time, non-performing assets grew to $4.197 million and credit loss provisions rose, underscoring ongoing asset quality risk. Prior releases showed similar profitability gains, so investors may focus on sustainability of margins, credit trends, and continued capital returns via buybacks and dividends.
Key Figures
Q3 2026 net income:$1.472MQ3 2026 EPS:$0.49 basic / $0.48 dilutedNine-month net income:$4.746M+5 more
8 metrics
Q3 2026 net income$1.472MThree months ended March 31, 2026 vs $748,000 prior-year quarter
Q3 2026 EPS$0.49 basic / $0.48 dilutedThree months ended March 31, 2026 vs $0.24 prior-year EPS
Nine-month net income$4.746MNine months ended March 31, 2026 vs $2.708M prior year
Net interest margin3.68%Nine months ended March 31, 2026 vs 3.14% in 2025
Return on average assets1.02%Nine months ended March 31, 2026 vs 0.58% in 2025
Book value per share$18.96At March 31, 2026 vs $17.90 at June 30, 2025
Share repurchases92,399 shares at $16.08Repurchased during nine months ended March 31, 2026
Non-performing assets$4.197MAt March 31, 2026 vs $3.305M at June 30, 2025
Announced a quarterly cash dividend of $0.135 per share on common stock.
24h Move is the share-price change in the day after each event; other market factors may also have contributed.
Pattern Detected
Positive corporate actions and earnings have often seen muted or negative short-term reactions, suggesting a tendency for the stock to diverge from upbeat news.
Recent Company History
Over the past few months, HFBL has combined steady capital returns with improving profitability. Dividend declarations on Jan 21, 2026 and Apr 15, 2026 set a regular $0.135 per-share payout, though shares slipped after the January announcement. The January Q2 2026 earnings release showed stronger net income and margin expansion but drew a -4.04% reaction. Today’s nine-month and quarterly results extend that profitability trend and build on prior margin gains.
Key Terms
net interest margin, return on average assets, provision for credit losses, non-interest income, +4 more
8 terms
net interest marginfinancial
"Net interest margin increased 54 basis points to 3.68% for the nine months"
Net interest margin measures how much a bank earns from lending and investing compared with what it pays for funding, expressed as a percentage of its interest-earning assets. Think of it like a grocery store’s markup: it shows the gap between buying cost and selling price per dollar of goods — here, the cost is interest paid and the sale is interest received. Investors watch it because a higher margin usually means a bank is more profitable and better at managing interest rate and credit conditions.
return on average assetsfinancial
"Return on average assets increased 44 basis points to 1.02% for the nine months"
Return on average assets (ROAA) measures how efficiently a company turns its assets into profit by comparing profit after expenses to the average value of its assets over a period (usually the average of beginning and ending assets). It matters to investors because it shows how well management uses the company’s resources to generate returns—think of it as how much profit a baker earns from the oven space they actually used over time.
provision for credit lossesfinancial
"partially offset by an increase of $263,000, or 4,383.3%, in the provision for credit losses"
Provision for credit losses is an amount set aside by a financial institution to cover potential future losses from borrowers who may not repay their loans. It acts like a safety net, helping the institution manage risks and stay financially healthy. For investors, it signals how cautious a lender is about potential loan defaults and can impact the company's profitability and financial stability.
non-interest incomefinancial
"an increase of $83,000, or 15.4%, in non-interest income, partially offset by"
Non-interest income is the money a bank or financial company earns from activities other than charging interest on loans, such as service fees, account charges, trading gains, and income from managing client investments. For investors, it matters because it diversifies a firm’s revenue stream—like a store that sells both products and offers repair services—making profits less tied to lending rates and helping stability when interest-driven income falls.
non-interest expensefinancial
"a decrease of $282,000, or 6.6%, in non-interest expense, and an increase"
Costs a company incurs that are not related to paying or earning interest, such as wages, rent, utilities, marketing, professional fees and equipment depreciation. Investors watch these expenses because they directly reduce operating profit and reveal how efficiently a business runs—like comparing household bills aside from mortgage interest to see where you can cut costs and improve savings.
non-performing assetsfinancial
"At March 31, 2026, the Company had $4.197 million of non-performing assets"
Loans or other credit exposures that are not producing expected income because borrowers have stopped making scheduled payments for a significant period (commonly around 90 days). Think of it like a business lending money that has gone quiet — the cash flow stops while the lender still carries the debt on its books. High levels of non-performing assets matter to investors because they reduce a lender’s earnings, tie up capital that could be used for growth, and signal higher risk of future losses.
other real estate ownedfinancial
"and one commercial real estate property in other real estate owned at March 31, 2026"
Assets a lender or financial firm holds after taking back real property through foreclosure or repossession because a borrower defaulted. Think of it like a store keeping returned items it didn’t sell — these properties are not earning interest, can be costly to maintain, and may be sold at a loss or profit, so they directly affect a lender’s balance sheet, cash flow and perceived credit risk for investors.
Federal Home Loan Bank of Dallasfinancial
"advances from the Federal Home Loan Bank of Dallas of $2.000 million"
A regional cooperative lender that acts like a central “funding clubhouse” for local banks and credit unions, providing them with loans and cash when they need it to back mortgages and community loans. It raises money by issuing debt and passes that liquidity to members, so its lending capacity, borrowing costs and credit health can affect mortgage availability, local lending conditions and the value and risk of securities tied to its funding.
Shreveport, Louisiana, April 30, 2026 (GLOBE NEWSWIRE) -- Home Federal Bancorp, Inc. of Louisiana (the “Company”) (Nasdaq: HFBL), the holding company of Home Federal Bank, reported net income for the three months ended March 31, 2026, of $1.472 million compared to net income of $748,000 reported for the three months ended March 31, 2025. The Company’s basic and diluted earnings per share were $0.49 and $0.48, respectively, for the three months ended March 31, 2026, compared to $0.24 for the three months ended March 31, 2025. The Company reported net income of $4.746 million for the nine months ended March 31, 2026, compared to $2.708 million for the nine months ended March 31, 2025. The Company’s basic and diluted earnings per share were $1.57 and $1.55, respectively, for the nine months ended March 31, 2026, compared to $0.88 for the nine months ended March 31, 2025.
The Company reported the following highlights during the nine months ended March 31, 2026:
Net interest margin increased 54 basis points to 3.68% for the nine months ended March 31, 2026, compared to 3.14% for the same period in 2025.
Return on average assets increased 44 basis points to 1.02% for the nine months ended March 31, 2026, compared to 0.58% for the same period in 2025.
Home Federal Bancorp repurchased 92,399 shares of its common stock through its stock repurchase program at an average price of $16.08 per share during the nine months ended March 31, 2026, leaving 47,932 shares authorized for repurchase under the program at March 31, 2026.
Book value per share increased to $18.96 at March 31, 2026, from $17.90 at June 30, 2025.
The increase in net income for the three months ended March 31, 2026, as compared to the same period in 2025, resulted from an increase of $733,000, or 15.7%, in net interest income, a decrease of $282,000, or 6.6%, in non-interest expense, and an increase of $83,000, or 15.4%, in non-interest income, partially offset by an increase of $263,000, or 4,383.3%, in the provision for credit losses, and an increase of $111,000, or 53.6%, in the provision for income taxes. The increase in net interest income for the three months ended March 31, 2026, as compared to the same period in 2025, resulted from an increase of $590,000, or 7.9%, in total interest income and a decrease of $143,000, or 5.2%, in total interest expense. The Company’s average interest rate spread was 3.13 % for the three months ended March 31, 2026, compared to 2.66% for the three months ended March 31, 2025. The Company’s net interest margin was 3.75% for the three months ended March 31, 2026, compared to 3.33% for the three months ended March 31, 2025.
The increase in net income for the nine months ended March 31, 2026, as compared to the same period in 2025 resulted primarily from an increase of $2.346 million, or 17.1%, in net interest income, an increase of $583,000, or 44.0%, in non-interest income, and a decrease of $484,000, or 4.0%, in non-interest expense, partially offset by an increase of $782,000, or 199.5%, in provision for income taxes and an increase of $593,000, or 344.8%, in the provision for credit losses. The increase in net interest income for the nine months ended March 31, 2026, as compared to the same period in 2025, was primarily due to an increase of $1.264 million, or 5.5%, in total interest income, and a decrease of $1.082 million, or 11.9%, in total interest expense. The Company’s average interest rate spread was 3.04% for the nine months ended March 31, 2026, compared to 2.44% for the nine months ended March 31, 2025. The Company’s net interest margin was 3.68% for the nine months ended March 31, 2026, compared to 3.14% for the nine months ended March 31, 2025.
The following tables set forth the Company’s average balances and average yields earned and rates paid on its interest-earning assets and interest-bearing liabilities for the periods indicated.
For the Three Months Ended March 31,
2026
2025
Average Balance
Average Yield/Rate
Average Balance
Average Yield/Rate
(Dollars in thousands)
Interest-earning assets:
Loans receivable
$
478,937
6.23
%
$
459,828
5.94
%
Investment securities
98,514
2.39
95,706
2.44
Interest-earning deposits
7,613
3.94
14,513
3.05
Total interest-earning assets
$
585,064
5.56
%
$
570,047
5.28
%
Interest-bearing liabilities:
Savings accounts
$
92,604
1.48
%
$
94,375
1.75
%
NOW accounts
65,736
1.18
69,562
1.15
Money market accounts
67,553
1.90
75,882
2.01
Certificates of deposit
204,379
3.35
182,721
3.76
Total interest-bearing deposits
430,272
2.39
422,540
2.57
Other bank borrowings
3,849
6.53
4,000
7.71
FHLB advances
1,419
3.72
-
-
Total interest-bearing liabilities
$
435,540
2.43
%
$
426,540
2.62
%
For the Nine months ended March 31,
2026
2025
Average Balance
Average Yield/Rate
Average Balance
Average Yield/Rate
(Dollars in thousands)
Interest-earning assets:
Loans receivable
$
470,696
6.22
%
$
460,972
5.90
%
Investment securities
97,449
2.32
96,395
2.24
Interest-earning deposits
12,781
4.39
23,326
4.45
Total interest-earning assets
$
580,926
5.52
%
$
580,693
5.24
%
Interest-bearing liabilities:
Savings accounts
$
92,985
1.57
%
$
89,171
1.69
%
NOW accounts
65,617
1.14
71,022
1.17
Money market accounts
70,213
1.97
76,828
2.20
Certificates of deposit
199,346
3.42
191,936
4.04
Total interest-bearing deposits
428,161
2.43
428,957
2.75
Other bank borrowings
3,951
7.11
4,832
7.55
FHLB advances
466
3.72
-
-
Total interest-bearing liabilities
$
432,578
2.48
%
$
433,789
2.80
%
The $83,000 increase in non-interest income for the three months ended March 31, 2026, compared to the same period in 2025, resulted from an increase of $49,000 in gain on sale of loans, an increase of $42,000 in service charges on deposit accounts, and an increase of $3,000 in other non-interest income, partially offset by an increase of $10,000 in loss on sale of real estate, and a decrease of $1,000 in income on bank owned life insurance. The $583,000 increase in non-interest income for the nine months ended March 31, 2026, compared to the same period in 2025, resulted from a decrease of $248,000 in loss on sale of real estate, an increase of $224,000 in gain on sale of loans, an increase of $118,000 in service charges on deposit accounts, and a decrease of $6,000 in loss on sale of securities, partially offset by a decrease of $12,000 in other non-interest income, and a decrease of $1,000 in income on bank owned life insurance.
The $282,000 decrease in non-interest expense for the three months ended March 31, 2026, compared to the same period in 2025, resulted from decreases of $203,000 in data processing, $37,000 in audit and examination fees, $27,000 in other expenses, $15,000 in franchise and bank shares tax, $13,000 in amortization core deposit intangible, $11,000 in loan and collection, $9,000 in professional fees, and $3,000 in occupancy and equipment, partially offset by increases in $25,000 in compensation and benefits, $9,000 in advertising, and $2,000 in deposit insurance premium. The $484,000 decrease in non-interest expense for the nine months ended March 31, 2026, compared to the same period in 2025, resulted from decreases of $255,000 in compensation and benefits, $181,000 in audit and examination fees, $103,000 in data processing, $39,000 in advertising, $28,000 in amortization core deposit intangible, and $25,000 in professional fees, partially offset by increases in $98,000 in other expenses, $22,000 in occupancy and equipment, $14,000 in deposit insurance premium, $8,000 in loan and collection, and $5,000 in franchise and bank shares tax.
Total assets increased $32.157 million, or 5.3%, from $609.492 million at June 30, 2025 to $641.649 million at March 31, 2026. The increase in assets resulted from increases in net loans receivable of $17.921 million, or 3.9%, from $461.004 million at June 30, 2025 to $478.925 million at March 31, 2026, cash and cash equivalents of $11.596 million, or 66.8%, from $17.347 million at June 30, 2025 to $28.943 million at March 31, 2026, investment securities of $2.449 million, or 2.5%, from $96.230 million at June 30, 2025 to $98.679 million at March 31, 2026, loans-held-for-sale of $1.205 million, or 78.2%, from $1.540 million at June 30, 2025 to $2.745 million at March 31, 2026, accrued interest receivable of $86,000, or 4.7%, from $1.836 million at June 30, 2025 to $1.922 million at March 31, 2026, and bank owned life insurance of $86,000, or 1.2%, from $6.926 million at June 30, 2025 to $7.012 million at March 31, 2026, partially offset by decreases in premises and equipment of $763,000, or 4.4%, from $17.266 million at June 30, 2025 to $16.503 million at March 31, 2026, core deposit intangible of $188,000, or 20.5%, from $915,000 at June 30, 2025 to $727,000 at March 31, 2026, real estate owned of $156,000, or 16.1%, from $970,000 at June 30, 2025 to $814,000 at March 31, 2026, other assets of $42,000, or 3.2%, from $1.305 million at June 30, 2025 to $1.263 million at March 31, 2026, and deferred tax asset of $37,000, or 3.2%, from $1.163 million at June 30, 2025 to $1.126 million at March 31, 2026.
Total liabilities increased $29.358 million, or 5.3%, from $554.287 million at June 30, 2025 to $583.645 million at March 31, 2026. The increase in liabilities resulted from increases in total deposits of $28.142 million, or 5.2%, from $546.290 million at June 30, 2025 to $574.432 million at March 31, 2026, and advances from the Federal Home Loan Bank of Dallas of $2.000 million, from none at June 30, 2025 to $2.000 million at March 31, 2026, partially offset by decreases in other borrowings of $444,000, or 11.1%, from $4.000 million at June 30, 2025 to $3.556 million at March 31, 2026, other accrued expenses and liabilities of $280,000, or 8.1%, from $3.454 million at June 30, 2025 to $3.174 million at March 31, 2026, and advances from borrowers for taxes and insurance of $60,000, or 11.0%, from $543,000 at June 30, 2025 to $483,000 at March 31, 2026. The increase in deposits resulted from increases in certificates of deposit of $21.683 million, or 11.6%, from $187.357 million at June 30, 2025 to $209.040 million at March 31, 2026, and non-interest deposits of $16.694 million, or 13.6%, from $122.416 million at June 30, 2025 to $139.110 million at March 31, 2026, partially offset by decreases in money market deposits of $4.701 million, or 6.4%, from $73.771 million at June 30, 2025 to $69.070 million at March 31, 2026, savings deposits of $2.854 million, or 3.0%, from $95.627 million at June 30, 2025 to $92.773 million at March 31, 2026, and NOW accounts of $2.680 million, or 4.0%, from $67.119 million at June 30, 2025 to $64.439 million at March 31, 2026.
At March 31, 2026, the Company had $4.197 million of non-performing assets (defined as non-accruing loans, accruing loans 90 days or more past due, and other real estate owned) compared to $3.305 million of non-performing assets at June 30, 2025, consisting of eighteen one-to-four family residential loans, three home equity loans, two commercial non-real estate loans, one commercial real estate loan, one consumer loan, and one commercial real estate property in other real estate owned at March 31, 2026, compared to six one-to-four family residential loans, two home equity loans, three commercial non-real estate loans, two commercial real estate loans and one single-family residence in other real estate owned at June 30, 2025. At March 31, 2026 the Company had seventeen one-to-four family residential loans, three home equity loans, two commercial non-real estate loans, two consumer loans, and one commercial real estate loan classified as substandard, compared to eight one-to-four family residential loans, five commercial non-real estate loans, two home equity loans, two commercial real estate loans and one consumer loan classified as substandard at June 30, 2025. There were no loans classified as doubtful at March 31, 2026 or June 30, 2025.
Stockholders’ equity increased $2.799 million, or 5.1%, from $55.205 million at June 30, 2025 to $58.004 million at March 31, 2026. The increase in stockholders’ equity resulted from net income for the nine months ended March 31, 2026 of $4.746 million, proceeds from the issuance of common stock from the exercise of stock options of $1.769 million, a decrease in the Company’s accumulated other comprehensive loss of $136,000, and the vesting of restricted stock awards, stock options, and the release of employee stock ownership plan shares totaling $290,000, partially offset by stock repurchases of $2.892 million and dividends paid totaling $1.250 million.
Home Federal Bancorp, Inc. of Louisiana is the holding company for Home Federal Bank which conducts business from its ten full-service banking offices and home office in northwest Louisiana.
Statements contained in this news release which are not historical facts may be forward-looking statements as that term is defined in the Private Securities Litigation Reform Act of 1995. Forward-looking statements can be identified by the fact that they do not relate strictly to historical or current facts. They often include words like “believe”, “expect”, “anticipate”, “estimate”, and “intend”, or future or conditional verbs such as “will”, “would”, “should”, “could”, or “may”. We undertake no obligation to update any forward-looking statements.
In addition to factors previously disclosed in the reports filed by the Company with the Securities and Exchange Commission and those identified elsewhere in this press release, the following factors, among others, could cause actual results to differ materially from forward-looking statements or historical performance: the strength of the United States economy in general and the strength of the local economies in which the Company conducts its operations; general economic conditions; legislative and regulatory changes; monetary and fiscal policies of the federal government; changes in tax policies, rates and regulations of federal, state and local tax authorities including the effects of the Tax Reform Act; changes in interest rates, deposit flows, the cost of funds, demand for loan products and the demand for financial services, competition, changes in the quality or composition of the Company’s loans, investment and mortgage-backed securities portfolios; geographic concentration of the Company’s business; fluctuations in real estate values; the adequacy of loan loss reserves; the risk that goodwill and intangibles recorded in the Company’s financial statements will become impaired; changes in accounting principles, policies or guidelines and other economic, competitive, governmental and technological factors affecting the Company’s operations, markets, products, services and fees.
HOME FEDERAL BANCORP, INC. OF LOUISIANA
CONSOLIDATED BALANCE SHEETS
(In thousands except share and per share data)
March 31, 2026
June 30, 2025
(Unaudited)
ASSETS
Cash and Cash Equivalents (Includes Interest-Bearing Deposits with Other Banks of $16,518 and $10,380 at March 31, 2026, and June 30, 2025, respectively)
$
28,943
$
17,347
Securities Available-for-Sale (amortized cost March 31, 2026: $43,251; June 30, 2025: $36,695, respectively)
40,975
34,246
Securities Held-to-Maturity (fair value March 31, 2026: $47,726; June 30, 2025: $51,139, respectively)
56,764
61,334
Other Securities
940
650
Loans Held-for-Sale
2,745
1,540
Loans Receivable, Net of Allowance for Credit Losses (March 31, 2026: $4,750; June 30, 2025: $4,484, respectively)
478,925
461,004
Accrued Interest Receivable
1,922
1,836
Premises and Equipment, Net
16,503
17,266
Bank Owned Life Insurance
7,012
6,926
Goodwill
2,990
2,990
Core Deposit Intangible
727
915
Deferred Tax Asset
1,126
1,163
Real Estate Owned
814
970
Other Assets
1,263
1,305
Total Assets
$
641,649
$
609,492
LIABILITIES AND STOCKHOLDERS’ EQUITY
LIABILITIES
Deposits:
Non-interest bearing
$
139,110
$
122,416
Interest-bearing
435,322
423,874
Total Deposits
574,432
546,290
Advances from Borrowers for Taxes and Insurance
483
543
Advances from the Federal Home Loan Bank of Dallas
2,000
-
Other Borrowings
3,556
4,000
Other Accrued Expenses and Liabilities
3,174
3,454
Total Liabilities
583,645
554,287
STOCKHOLDERS’ EQUITY
Preferred Stock - $0.01 Par Value; 10,000,000 Shares Authorized: None Issued and Outstanding
-
-
Common Stock - $0.01 Par Value; 40,000,000 Shares Authorized: 3,059,889 and 3,084,764 Shares Issued and Outstanding at March 31, 2026 and June 30, 2025, respectively
34
32
Additional Paid-in Capital
44,201
42,187
Unearned ESOP Stock
(277
)
(321
)
Retained Earnings
15,844
15,241
Accumulated Other Comprehensive Loss
(1,798
)
(1,934
)
Total Stockholders’ Equity
58,004
55,205
TOTAL LIABILITIES AND STOCKHOLDERS’ EQUITY
$
641,649
$
609,492
HOME FEDERAL BANCORP, INC. OF LOUISIANA CONSOLIDATED STATEMENTS OF OPERATIONS (In thousands, except per share data) (Unaudited)
Three Months Ended
Nine months ended
March 31,
March 31,
2026
2025
2026
2025
Interest income
Loans, including fees
$
7,361
$
6,740
$
21,971
$
20,426
Investment securities
8
83
30
213
Mortgage-backed securities
572
493
1,666
1,406
Other interest-earning assets
74
109
421
779
Total interest income
8,015
7,425
24,088
22,824
Interest expense
Deposits
2,533
2,675
7,819
8,851
Federal Home Loan Bank borrowings
13
-
13
-
Other bank borrowings
62
76
211
274
Total interest expense
2,608
2,751
8,043
9,125
Net interest income
5,407
4,674
16,045
13,699
Provision for (recovery of) credit losses
269
6
421
(172
)
Net interest income after provision for credit losses
5,138
4,668
15,624
13,871
Non-interest income
Gain on sale of loans
129
80
405
181
Loss on sale of real estate
(10
)
-
(18
)
(266
)
Loss on sale of securities
-
-
-
(6
)
Income on Bank-Owned Life Insurance
28
29
86
87
Service charges on deposit accounts
424
382
1,283
1,165
Other income
50
47
153
165
Total non-interest income
621
538
1,909
1,326
Non-interest expense
Compensation and benefits
2,161
2,136
6,412
6,667
Occupancy and equipment
607
610
1,733
1,711
Data processing
350
553
1,004
1,107
Audit and examination fees
113
150
292
473
Franchise and bank shares tax
120
135
309
304
Advertising
31
22
84
123
Professional fees
136
145
371
396
Loan and collection
35
46
112
104
Amortization Core Deposit Intangible
57
70
188
216
Deposit insurance premium
104
102
281
267
Other expenses
255
282
827
729
Total non-interest expense
3,969
4,251
11,613
12,097
Income before income taxes
1,790
955
5,920
3,100
Provision for income tax expense
318
207
1,174
392
NET INCOME
$
1,472
$
748
$
4,746
$
2,708
EARNINGS PER SHARE
Basic
$
0.49
$
0.24
$
1.57
$
0.88
Diluted
$
0.48
$
0.24
$
1.55
$
0.88
Three Months Ended
Nine months ended
March 31,
March 31,
2026
2025
2026
2025
Selected Operating Ratios(1):
Average interest rate spread
3.13
%
2.66
%
3.04
%
2.44
%
Net interest margin
3.75
%
3.33
%
3.68
%
3.14
%
Return on average assets
0.96
%
0.50
%
1.02
%
0.58
%
Return on average equity
10.18
%
5.59
%
11.03
%
6.85
%
Asset Quality Ratios(2):
Non-performing assets as a percent of total assets
0.65
%
0.49
%
0.65
%
0.49
%
Allowance for credit losses as a percent of non-performing loans
140.40
%
215.44
%
140.40
%
215.44
%
Allowance for credit losses as a percent of total loans receivable
1.00
%
1.00
%
1.00
%
1.00
%
Per Share Data:
Shares outstanding at period end
3,059,889
3,118,764
3,059,889
3,118,764
Weighted average shares outstanding:
Basic
3,016,628
3,061,928
3,015,888
3,062,511
Diluted
3,070,024
3,087,624
3,057,429
3,081,233
Book value per share at period end
$
18.96
$
17.55
$
18.96
$
17.55
____________________
(1) Ratios for the three and nine month periods are annualized.
(2) Asset quality ratios are end of period ratios.
James R. Barlow
Chairman of the Board, President and Chief Executive Officer
(318) 222-1145
FAQ
What were Home Federal Bancorp (HFBL) net income and EPS for the quarter ended March 31, 2026?
Net income for the quarter was $1.472 million with basic EPS of $0.49 and diluted EPS of $0.48. According to the company, this compares to net income of $748,000 and EPS of $0.24 in the prior-year quarter.
How did HFBL perform over the nine months ended March 31, 2026 versus prior year?
HFBL reported nine-month net income of $4.746 million versus $2.708 million a year earlier. According to the company, higher net interest income and non-interest income drove the year-over-year increase.
What changes occurred in Home Federal Bancorp's net interest margin and interest spread for March 31, 2026?
Net interest margin was 3.75% for the quarter and 3.68% for nine months; average spread was 3.13% (quarter). According to the company, wider spreads reflected higher loan yields and lower funding costs.
Did HFBL repurchase shares and what remained available under the repurchase program at March 31, 2026?
HFBL repurchased 92,399 shares at an average price of $16.08, leaving 47,932 shares authorized for repurchase at March 31, 2026. According to the company, repurchases totaled $2.892 million impacting shareholders' equity.
What credit-quality and provision trends did Home Federal Bancorp report as of March 31, 2026?
Non-performing assets rose to $4.197 million, and provision for credit losses increased sharply year-over-year. According to the company, higher provisions and more substandard loans drove the credit-charge increase.
