Home Federal Bancorp (Nasdaq: HFBL) reported stronger results for the three and six months ended December 31, 2025, with Q2 quarter net income $1.675M versus $1.020M a year earlier and six-month net income $3.274M versus $1.961M. EPS was $0.55 basic/$0.54 diluted (quarter) and $1.09/$1.07 (six months).
Net interest margin rose to 3.67% (quarter) and 3.65% (six months), book value per share was $18.76, total assets were $621.449M, and the company reported no brokered deposits or FHLB advances at Dec 31, 2025.
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Positive
Net income +67% for six months ($1.961M to $3.274M)
Net interest income +17.9% for six months
No brokered deposits or FHLB advances at Dec 31, 2025
Negative
Provision for credit losses +185.4% for six months
Provision for income taxes +362.7% for six months
News Market Reaction – HFBL
-4.04%
2 alerts
-4.04%Session close to close
$58.12MMarket Cap
0.8xRel. Volume
In the Jan 29 session, HFBL declined 4.04%, reflecting a moderate negative market reaction.
Our momentum scanner triggered 2 alerts that day, indicating moderate trading interest and price volatility.
This announcement highlights robust improvement in profitability, with quarterly EPS rising to $0.55...
Analysis
This announcement highlights robust improvement in profitability, with quarterly EPS rising to $0.55 and net interest margin expanding to 3.67%. Book value per share increased to $18.76, assets and deposits grew modestly, and non‑performing assets declined compared with June 2025. Recent history shows that prior earnings and capital‑return news produced mixed price reactions, so monitoring future credit quality, margin trends, and ongoing capital management remains important when interpreting these results.
Key Figures
Quarterly net income:$1.675 millionQuarterly EPS (basic):$0.55Six-month EPS (basic):$1.09+5 more
8 metrics
Quarterly net income$1.675 millionThree months ended December 31, 2025 vs $1.020M in 2024
Quarterly EPS (basic)$0.55Three months ended December 31, 2025 vs $0.33 in 2024
Six-month EPS (basic)$1.09Six months ended December 31, 2025 vs $0.64 in 2024
Net interest income change$777,000 (16.9%) increaseThree months ended December 31, 2025 vs prior-year quarter
Non-interest income change$150,000 (30.7%) increaseThree months ended December 31, 2025 vs prior-year quarter
Non-interest expense change$43,000 (1.1%) decreaseThree months ended December 31, 2025 vs prior-year quarter
Net interest margin3.67%Three months ended December 31, 2025 vs 3.12% in 2024
Book value per share$18.76At December 31, 2025 vs $17.90 at June 30, 2025
Q4 and full-year 2025 EPS growth and margin improvement despite lower assets.
24h Move is the share-price change in the day after each event; other market factors may also have contributed.
Pattern Detected
Recent news often drew muted or negative reactions, even on positive financial updates and capital return announcements, with only one of four events showing a clearly positive price alignment.
Recent Company History
Over the last six months, HFBL has focused on earnings growth and capital returns. Results for the quarter ended Sept 30, 2025 showed higher net income and margin expansion, while the year-end June 30, 2025 report highlighted improved EPS despite modest balance-sheet contraction. The company also repeatedly declared a $0.135 quarterly dividend and authorized a new stock repurchase program. Historically, strong operating updates did not always translate into sustained price gains, providing useful context for interpreting this latest earnings release.
Key Terms
net interest margin, basis point, provision for credit losses, non-performing assets, +4 more
8 terms
net interest marginfinancial
"The Company’s net interest margin was 3.67% for the three months ended..."
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.
basis pointfinancial
"59 basis point increase to net interest margin compared to the six months ended..."
A basis point is a unit equal to one one‑hundredth of a percent (0.01%), used to describe very small changes in interest rates, bond yields, fees or other percentage figures. Think of it like a single dollar change on $10,000: tiny by itself but meaningful when applied to large sums or repeated over time, so investors use basis points to track and compare small but financially significant moves precisely.
"an increase of $64,000, or 142.2%, 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-performing assetsfinancial
"the Company had $2.533 million of non-performing assets (defined as non-accruing loans..."
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
"a one-to-four family residence in other real estate owned that was sold during the period."
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.
accumulated other comprehensive lossfinancial
"a decrease in the Company’s accumulated other comprehensive loss of $551,000..."
Accumulated other comprehensive loss is the running negative total of certain gains and losses that companies record outside their regular profit-and-loss statement, such as changes in the value of some investments, pension adjustments, or currency translation effects. It matters to investors because it reduces shareholders’ equity and reveals economic swings that haven’t affected reported net income yet — like a side ledger showing pending ups and downs that could influence future cash flow or balance-sheet strength.
stock repurchasesfinancial
"partially offset by stock repurchases of $2.270 million and dividends paid..."
Stock repurchases occur when a company buys its own shares back from the market, reducing the number of shares available to other investors. Think of it like a company taking slices out of a shared pie: fewer slices can make each remaining slice worth more and increase earnings allocated per share, so repurchases can lift share prices, change ownership percentages, and signal how management prefers to use excess cash — all factors investors watch closely.
employee stock ownership planfinancial
"the release of employee stock ownership plan shares totaling $233,000..."
An employee stock ownership plan (ESOP) is a company-run program that gives workers ownership stakes by allocating or letting them buy company shares, often through a retirement-style account. For investors, ESOPs matter because they align employees’ incentives with company performance—like turning staff into shareholders—which can boost productivity and long-term value but may also concentrate employee retirement savings in company stock, affecting financial risk and share demand.
Shreveport, Louisiana, Jan. 28, 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 December 31, 2025, of $1.675 million compared to net income of $1.020 million reported for the three months ended December 31, 2024. The Company’s basic and diluted earnings per share were $0.55 and $0.54, respectively, for the three months ended December 31, 2025, compared to $0.33 for the three months ended December 31, 2024. The Company reported net income of $3.274 million for the six months ended December 31, 2025, compared to $1.961 million for the six months ended December 31, 2024. The Company’s basic and diluted earnings per share were $1.09 and $1.07, respectively, for the six months ended December 31, 2025, compared to $0.64 for the six months ended December 31, 2024.
The Company reported the following highlights during the six months ended December 31, 2025:
Book value per share increased to $18.76 at December 31, 2025, from $17.90 at June 30, 2025.
Zero dependency on wholesale funding – no brokered deposits or FHLB advances at December 31, 2025 or June 30, 2025.
59 basis point increase to net interest margin compared to the six months ended December 31, 2024.
The increase in net income for the three months ended December 31, 2025, as compared to the same period in 2024, resulted from an increase of $777,000, or 16.9%, in net interest income, an increase of $150,000, or 30.7%, in non-interest income, and a decrease of $43,000, or 1.1%, in non-interest expense, partially offset by an increase of $251,000, or 134.2%, in the provision for income taxes, and an increase of $64,000, or 142.2%, in the provision for credit losses. The increase in net interest income for the three months ended December 31, 2025, as compared to the same period in 2024, resulted from an increase of $405,000, or 5.3%, in total interest income and a decrease of $372,000, or 12.2%, in total interest expense. The Company’s average interest rate spread was 3.03% for the three months ended December 31, 2025, compared to 2.40% for the three months ended December 31, 2024. The Company’s net interest margin was 3.67% for the three months ended December 31, 2025, compared to 3.12% for the three months ended December 31, 2024.
The increase in net income for the six months ended December 31, 2025, as compared to the same period in 2024 resulted primarily from an increase of $1.612 million, or 17.9%, in net interest income, an increase of $500,000, or 63.5%, in non-interest income, and a decrease of $202,000, or 2.6%, in non-interest expense, partially offset by an increase of $671,000, or 362.7%, in provision for income taxes and an increase of $330,000, or 185.4%, in the provision for credit losses. The increase in net interest income for the six months ended December 31, 2025, as compared to the same period in 2024, was primarily due to a decrease of $938,000, or 14.7%, in total interest expense and an increase of $674,000, or 4.4%, in total interest income. The Company’s average interest rate spread was 3.01% for the six months ended December 31, 2025, compared to 2.32% for the six months ended December 31, 2024. The Company’s net interest margin was 3.65% for the six months ended December 31, 2025, compared to 3.06% for the six months ended December 31, 2024.
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 December 31,
2025
2024
Average Balance
Average Yield/Rate
Average Balance
Average Yield/Rate
(Dollars in thousands)
Interest-earning assets:
Loans receivable
$
469,399
6.20
%
$
457,553
5.89
%
Investment securities
97,464
2.28
96,715
2.19
Interest-earning deposits
14,517
4.45
29,653
4.47
Total interest-earning assets
$
581,380
5.50
%
$
583,921
5.20
%
Interest-bearing liabilities:
Savings accounts
$
92,242
1.55
%
$
90,696
1.71
%
NOW accounts
65,317
1.12
70,685
1.26
Money market accounts
69,429
1.91
79,365
2.21
Certificates of deposit
199,753
3.44
188,929
4.03
Total interest-bearing deposits
426,741
2.43
429,675
2.75
Other bank borrowings
4,002
7.24
4,489
7.16
Total interest-bearing liabilities
$
430,743
2.47
%
$
434,164
2.80
%
For the Six Months Ended December 31,
2025
2024
Average Balance
Average Yield/Rate
Average Balance
Average Yield/Rate
(Dollars in thousands)
Interest-earning assets:
Loans receivable
$
466,666
6.21
%
$
461,531
5.88
%
Investment securities
96,927
2.28
96,732
2.14
Interest-earning deposits
14,812
4.65
27,635
4.81
Total interest-earning assets
$
578,405
5.51
%
$
585,898
5.21
%
Interest-bearing liabilities:
Savings accounts
$
93,172
1.62
%
$
86,626
1.66
%
NOW accounts
65,559
1.13
71,736
1.18
Money market accounts
71,514
1.99
77,290
2.29
Certificates of deposit
196,885
3.46
196,443
4.17
Total interest-bearing deposits
427,130
2.45
432,095
2.83
Other bank borrowings
4,001
7.39
5,239
7.50
Total interest-bearing liabilities
$
431,131
2.50
%
$
437,334
2.89
%
The $150,000 increase in non-interest income for the three months ended December 31, 2025, compared to the prior year quarterly period, resulted from an increase of $125,000 in gain on sale of loans, an increase of $44,000 in service charges on deposit accounts, a decrease of $6,000 in loss on sale of securities, and a decrease of $4,000 in loss on sale of real estate, partially offset by a decrease of $29,000 in other non-interest income. The $500,000 increase in non-interest income for the six months ended December 31, 2025, compared to the prior year six-month period, resulted primarily from a decrease of $258,000 in loss on sale of real estate, an increase of $175,000 in gain on sale of loans, an increase of $76,000 in service charges on deposit accounts, and a decrease of $6,000 in loss on sale of securities, partially offset by a decrease of $15,000 in other non-interest income. The $266,000 loss on sale of real estate for the prior year six-month period related to a one-to-four family residence in other real estate owned that was sold during the period.
The $43,000 decrease in non-interest expense for the three months ended December 31, 2025, compared to the same period in 2024, resulted from decreases of $128,000 in compensation and benefits expense, $81,000 in audit and examination fees, $20,000 in advertising expense, $18,000 in data processing expense, and $8,000 in amortization of core deposit intangible expense, partially offset by increases of $108,000 in other non-interest expense, $53,000 in franchise and bank shares tax, $21,000 in occupancy and equipment expense, $16,000 in professional fees, $9,000 in deposit insurance premium expense, and $5,000 in loan and collection expense. The $202,000 decrease in non-interest expense for the six months ended December 31, 2025, compared to the same six-month period in 2024, resulted from decreases of $280,000 in compensation and benefits expense, $144,000 in audit and examination fees, $48,000 in advertising expense, $16,000 in professional fees, and $15,000 in amortization of core deposit intangible expense, partially offset by increases of $125,000 in other non-interest expense, $100,000 in data processing expense, $25,000 in occupancy and equipment expense, $20,000 in franchise and bank shares tax, $19,000 in loan and collection expense, and $12,000 in deposit insurance premium expense. The increase in data processing expense resulted from a billing discrepancy with our core processor, which had failed to issue invoices for certain services dating back to December 2022. Upon discovery of the issue, we negotiated a discounted settlement to resolve the outstanding invoices, and all invoices going forward included all services. The increase in services billed resulted in the increase for the six months ended December 31, 2025.
Total assets increased $11.957 million, or 2.0%, from $609.492 million at June 30, 2025 to $621.449 million at December 31, 2025. The increase in assets resulted from increases in net loans receivable of $10.529 million, or 2.3%, from $461.004 million at June 30, 2025 to $471.533 million at December 31, 2025, cash and cash equivalents of $1.921 million, or 11.1%, from $17.347 million at June 30, 2025 to $19.268 million at December 31, 2025, investment securities of $1.108 million, or 1.2%, from $96.230 million at June 30, 2025 to $97.338 million at December 31, 2025, bank owned life insurance of $58,000, or 0.8%, from $6.926 million at June 30, 2025 to $6.984 million at December 31, 2025, and accrued interest receivable of $37,000, or 2.0%, from $1.836 million at June 30, 2025 to $1.873 million at December 31, 2025, partially offset by decreases in loans-held-for-sale of $679,000, or 44.1%, from $1.540 million at June 30, 2025 to $861,000 at December 31, 2025, premises and equipment of $514,000, or 3.0%, from $17.266 million at June 30, 2025 to $16.752 million at December 31, 2025, deferred tax asset of $181,000, or 15.6%, from $1.163 million at June 30, 2025 to $982,000 at December 31, 2025, real estate owned of $161,000, or 16.6% from $970,000 at June 30, 2025 to $809,000 at December 31, 2025, core deposit intangible of $131,000, or 14.3%, from $915,000 at June 30, 2025 to $784,000 at December 31, 2025, and other assets of $30,000, or 2.3%, from $1.305 million at June 30, 2025 to $1.275 million at December 31, 2025.
Total liabilities increased $9.413 million, or 1.7%, from $554.287 million at June 30, 2025 to $563.700 million at December 31, 2025. The increase in liabilities resulted from increases in total deposits of $8.587 million, or 1.6%, from $546.290 million at June 30, 2025 to $554.877 million at December 31, 2025, and other accrued expenses and liabilities of $976,000, or 28.3%, from $3.454 million at June 30, 2025 to $4.430 million at December 31, 2025, partially offset by a decrease in advances from borrowers for taxes and insurance of $150,000, or 27.6%, from $543,000 at June 30, 2025 to $393,000 at December 31, 2025. The increase in deposits resulted from increases in certificates of deposit of $11.334 million, or 6.0%, from $187.357 million at June 30, 2025 to $198.691 million at December 31, 2025, non-interest deposits of $5.430 million, or 4.4%, from $122.416 million at June 30, 2025 to $127.846 million at December 31, 2025, and NOW accounts of $630,000, or 0.9%, from $67.119 million at June 30, 2025 to $67.749 million at December 31, 2025, partially offset by decreases in money market deposits of $7.661 million, or 10.4%, from $73.771 million at June 30, 2025 to $66.110 million at December 31, 2025, and savings deposits of $1.146 million, or 1.2%, from $95.627 million at June 30, 2025 to $94.481 million at December 31, 2025. The Company had no balances in brokered deposits at December 31, 2025 or June 30, 2025.
At December 31, 2025, the Company had $2.533 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 nine one-to-four family residential loans, three home equity loans, two commercial non-real estate loans, one commercial real estate loan, one land loan, one consumer loan, and one commercial real estate property in other real estate owned at December 31, 2025, 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 December 31, 2025 the Company had six one-to-four family residential loans, three home equity loans, two commercial non-real estate loans, two consumer loans, one commercial real estate loan, and one land 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 December 31, 2025 or June 30, 2025.
Stockholders’ equity increased $2.544 million, or 4.6%, from $55.205 million at June 30, 2025 to $57.749 million at December 31, 2025. The increase in stockholders’ equity resulted from net income for the six months ended December 31, 2025 of $3.274 million, proceeds from the issuance of common stock from the exercise of stock options of $1.589 million, a decrease in the Company’s accumulated other comprehensive loss of $551,000, and the vesting of restricted stock awards, stock options, and the release of employee stock ownership plan shares totaling $233,000, partially offset by stock repurchases of $2.270 million and dividends paid totaling $833,000.
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)
December 31, 2025
June 30, 2025
(Unaudited)
ASSETS
Cash and Cash Equivalents (Includes Interest-Bearing Deposits with Other Banks of $12,465 and $10,380 at December 31, 2025, and June 30, 2025, respectively)
$
19,268
$
17,347
Securities Available-for-Sale (amortized cost December 31, 2025: $40,197; June 30, 2025: $36,695, respectively)
38,446
34,246
Securities Held-to-Maturity (fair value December 31, 2025: $49,671; June 30, 2025: $51,139, respectively)
58,238
61,334
Other Securities
654
650
Loans Held-for-Sale
861
1,540
Loans Receivable, Net of Allowance for Credit Losses (December 31, 2025: $4,442; June 30, 2025: $4,484, respectively)
471,533
461,004
Accrued Interest Receivable
1,873
1,836
Premises and Equipment, Net
16,752
17,266
Bank Owned Life Insurance
6,984
6,926
Goodwill
2,990
2,990
Core Deposit Intangible
784
915
Deferred Tax Asset
982
1,163
Real Estate Owned
809
970
Other Assets
1,275
1,305
Total Assets
$
621,449
$
609,492
LIABILITIES AND STOCKHOLDERS’ EQUITY
LIABILITIES
Deposits:
Non-interest bearing
$
127,846
$
122,416
Interest-bearing
427,031
423,874
Total Deposits
554,877
546,290
Advances from Borrowers for Taxes and Insurance
393
543
Other Borrowings
4,000
4,000
Other Accrued Expenses and Liabilities
4,430
3,454
Total Liabilities
563,700
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: 3,078,470 and 3,084,764 Shares Issued and Outstanding at December 31, 2025 and June 30, 2025, respectively
34
32
Additional Paid-in Capital
43,978
42,187
Unearned ESOP Stock
(292
)
(321
)
Retained Earnings
15,412
15,241
Accumulated Other Comprehensive Loss
(1,383
)
(1,934
)
Total Stockholders’ Equity
57,749
55,205
TOTAL LIABILITIES AND STOCKHOLDERS’ EQUITY
$
621,449
$
609,492
HOME FEDERAL BANCORP, INC. OF LOUISIANA CONSOLIDATED STATEMENTS OF INCOME (In thousands, except per share data)
(Unaudited)
Three Months Ended
Six Months Ended
December 31,
December 31,
2025
2024
2025
2024
INTEREST INCOME
Loans, including fees
$
7,339
$
6,791
$
14,610
$
13,686
Investment securities
9
63
22
130
Mortgage-backed securities
552
470
1,094
913
Other interest-earning assets
163
334
347
670
Total interest income
8,063
7,658
16,073
15,399
INTEREST EXPENSE
Deposits
2,613
2,977
5,286
6,175
Other bank borrowings
73
81
149
198
Total interest expense
2,686
3,058
5,435
6,373
Net interest income
5,377
4,600
10,638
9,026
PROVISION FOR (RECOVERY OF) CREDIT LOSSES
109
45
152
(178
)
Net interest income after provision for credit losses
5,268
4,555
10,486
9,204
NON-INTEREST INCOME
Loss on sale of real estate
(8
)
(12
)
(8
)
(266
)
Gain on sale of loans
130
5
276
101
Loss on sale of securities
-
(6
)
-
(6
)
Income on Bank-Owned Life Insurance
30
30
58
58
Service charges on deposit accounts
436
392
859
783
Other income
50
79
103
118
Total non-interest income
638
488
1,288
788
NON-INTEREST EXPENSE
Compensation and benefits
2,101
2,229
4,251
4,531
Occupancy and equipment
558
537
1,126
1,101
Data processing
318
336
654
554
Audit and examination fees
110
191
179
323
Franchise and bank shares tax
54
1
189
169
Advertising
24
44
53
101
Legal fees
150
134
235
251
Loan and collection
35
30
77
58
Amortization Core Deposit Intangible
64
72
131
146
Deposit insurance premium
84
75
177
165
Other expenses
295
187
572
447
Total non-interest expense
3,793
3,836
7,644
7,846
Income before income taxes
2,113
1,207
4,130
2,146
PROVISION FOR INCOME TAX EXPENSE
438
187
856
185
NET INCOME
$
1,675
$
1,020
$
3,274
$
1,961
EARNINGS PER SHARE
Basic
$
0.55
$
0.33
$
1.09
$
0.64
Diluted
$
0.54
$
0.33
$
1.07
$
0.64
Three Months Ended
Six Months Ended
December 31,
December 31,
2025
2024
2025
2024
Selected Operating Ratios(1):
Average interest rate spread
3.03
%
2.40
%
3.01
%
2.32
%
Net interest margin
3.67
%
3.12
%
3.65
%
3.06
%
Return on average assets
1.07
%
0.65
%
1.05
%
0.62
%
Return on average equity
11.54
%
7.76
%
11.46
%
7.50
%
Asset Quality Ratios(2):
Non-performing assets as a percent of total assets
0.41
%
0.30
%
0.41
%
0.30
%
Allowance for credit losses as a percent of non-performing loans
257.66
%
260.70
%
257.66
%
260.70
%
Allowance for credit losses as a percent of total loans receivable
0.93
%
1.02
%
0.93
%
1.02
%
Per Share Data:
Shares outstanding at period end
3,078,470
3,132,764
3,078,470
3,132,764
Weighted average shares outstanding:
Basic
3,022,617
3,059,305
3,015,494
3,062,666
Diluted
3,075,132
3,075,221
3,065,751
3,077,371
Book value per share at period end
$
18.76
$
17.22
$
18.76
$
17.22
(1) Ratios for the three- and six-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 December 31, 2025?
Net income for the three months ended Dec 31, 2025 was $1.675 million with basic EPS of $0.55 and diluted EPS of $0.54. According to the company, this compares to $1.020 million and $0.33 EPS in the prior-year quarter.
How did HFBL perform for the six months ended December 31, 2025 compared to prior year?
HFBL reported six-month net income of $3.274 million versus $1.961 million a year earlier, an increase of roughly 67%. According to the company, higher net interest income drove most of the improvement.
What change occurred in Home Federal Bancorp's net interest margin for Dec 31, 2025 results?
Net interest margin increased to 3.67% for the quarter and 3.65% for six months. According to the company, wider interest rate spread and lower interest expense supported the margin expansion.
Did HFBL use wholesale funding like brokered deposits or FHLB advances at Dec 31, 2025?
No, HFBL reported zero dependency on wholesale funding with no brokered deposits or FHLB advances at Dec 31, 2025. According to the company, both Dec 31, 2025 and June 30, 2025 had no such balances.
What expense items negatively affected Home Federal Bancorp's six-month results to Dec 31, 2025?
Provision for income taxes rose 362.7% and provision for credit losses rose 185.4% for the six-month period. According to the company, these increases partially offset higher net interest income gains.
