Home Fed Bancorp Inc La SEC Filings

Home Federal Bancorp, Inc. of Louisiana (HFBL) reported stronger quarterly results. For the three months ended September 30, 2025, net income rose to $1.599 million from $0.941 million a year earlier, and diluted EPS increased to $0.52 from $0.31. Net interest income improved to $5.261 million from $4.427 million as deposit interest expense declined year over year, lifting profitability despite a modest $0.043 million credit loss provision versus a recovery in the prior year.

Total non-interest income increased to $0.650 million from $0.300 million, aided by higher gains on loan sales and service charges. Operating discipline continued, with non-interest expense down to $3.851 million from $4.011 million. Comprehensive income benefited from a $0.395 million improvement in unrealized securities gains.

Balance sheet trends were steady: total assets reached $622.630 million, deposits rose to $557.188 million, and net loans grew to $464.356 million. The allowance for credit losses was $4.387 million, while past-due loans totaled $2.332 million. Shares outstanding were 3,088,261 as of November 6, 2025.

Home Federal Bancorp, Inc. of Louisiana (HFBL) furnished an update on operations by reporting results for the three months ended September 30, 2025. The company provided details in a press release dated October 23, 2025, included as Exhibit 99.1.

The press release was furnished to the SEC in a Form 8-K under Item 2.02 and is not deemed filed, except as otherwise provided. HFBL’s common stock trades on the Nasdaq Stock Market under the symbol HFBL.

Home Federal Bancorp, Inc. of Louisiana (HFBL) reported an insider transaction by its Sr. VP Retail & COO on 10/15/2025. The reporting person exercised 14,000 stock options at $11.50 and sold 10,005 common shares at $14.20. Following these transactions, 23,060 common shares were held directly.

Indirect holdings were also shown: 14,444.936 units via the 401(k) Plan and 16,844.6842 shares via the ESOP. The 401(k) pooled stock fund units were based on a per‑unit price of $31.72 as of September 26, 2025. After the exercise, the option grant exercised was reduced to zero, while a separate option for 14,000 shares at $11.86 remains outstanding, expiring on November 11, 2030.

Home Federal Bancorp (HFBL) reported an insider transaction by Chairman, President & CEO James R. Barlow. On 10/15/2025, he exercised 20,000 employee stock options at $11.50 per share (code M) and disposed of 20,000 common shares at $14.20 per share (code D). Following these transactions, he directly owns 94,483 shares. He also holds indirect interests, including 22,458.8204 units in the 401(k) fund, 37,050 shares via an IRA, 1,550 shares via spouse’s IRA, and 28,323.3315 shares via the ESOP.

Derivative holdings include 20,000 options at an exercise price of $11.86 expiring on 11/11/2030.

Home Federal Bancorp, Inc. of Louisiana (HFBL) reported an insider transaction by a director on 10/15/2025. The reporting person exercised 13,000 stock options at $11.5 per share and disposed of 10,529 shares at $14.2 per share on the same date.

Following these transactions, the reporting person directly holds 17,029 shares, which includes 800 unvested shares granted under the 2019 Stock Incentive Plan. Remaining derivative holdings include options for 18,000 shares at an exercise price of $11.86 expiring on 11/11/2030, and options for 5,000 shares at an exercise price of $11.79 expiring on 07/24/2034.

Home Federal Bancorp, Inc. of Louisiana (HFBL) director reported an option exercise on 10/06/2025. The insider exercised 9,000 stock options at $11.50 per share (Code M), acquiring 9,000 common shares.

Following the transaction, the insider directly owns 49,772 common shares, plus 5,466 shares held by an IRA and 1,822 shares held by the spouse. The exercised grant now shows 0 derivative securities remaining; other outstanding options include 18,000 at $11.86 expiring 11/11/2030 and 5,000 at $11.79 expiring 07/24/2034.

Home Federal Bancorp, Inc. of Louisiana (HFBL)$0.135 per share, payable on November 10, 2025 to shareholders of record on October 27, 2025.

The Board also approved the company’s fourteenth stock repurchase program for up to 100,000 shares, described as approximately 3.0% of outstanding common stock. Repurchases may occur in the open market or via privately negotiated transactions over four calendar quarters at up to 25,000 shares per quarter, depending on market conditions and other factors. The program has no expiration date.

Home Federal Bancorp reported net income of $3.9 million for fiscal 2025, up from $3.6 million a year earlier. The companys net loan portfolio was $461.0 million, representing 75.64% of total assets, with one-to-four family residential loans of $175.0 million (37.59% of loans) and commercial real estate loans of $138.9 million (29.84%). Non-performing assets rose to $3.3 million from $1.9 million, and the allowance for credit losses totaled $4.5 million at June 30, 2025. Tier 1 and common equity Tier 1 capital ratios were strong at 13.59% and total capital was 14.67%; the Company had no FHLB advances outstanding and $56.4 million available. The bank remains locally concentrated in northwest Louisiana and continues to sell fixed-rate residential loans to manage interest rate risk.