NASDAQ : HFBL
Home Federal Bancorp, Inc. of Louisiana — Financial statements
Financials · Banks - Regional · United States
Last price 22.36 USD (Oct 29, 2026, 4:00 PM EDT) · Market cap 66.59M
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Financial statements
Income statement
Fiscal year July - June; amounts in USD.
| TTM | FY2026 | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|---|
| Interest Income on Loans | 29.98M | 29.51M | 27.35M | 29.02M | 23.45M | 17.50M |
| Interest Income on Investments | 3.21M | 2.99M | 3.12M | 2.85M | 3.18M | 1.73M |
| Total Interest Income | 33.19M | 32.50M | 30.46M | 31.86M | 26.63M | 19.23M |
| Interest Paid on Deposits | 10.48M | 10.42M | 11.44M | 12.00M | 4.51M | 1.77M |
| Interest Paid on Borrowings | 273.00K | 285.00K | 350.00K | 915.00K | 573.00K | 107.00K |
| Total Interest Expense | 10.75M | 10.71M | 11.79M | 12.91M | 5.08M | 1.88M |
| Net Interest Income | 22.43M | 21.79M | 18.67M | 18.95M | 21.55M | 17.36M |
| Gain (Loss) on Sale of Assets | 46.00K | 4.00K | ||||
| Gain (Loss) on Sale of Investments | -52.00K | -6.00K | 26.00K | |||
| Other Non-Interest Income | 337.00K | 336.00K | 324.00K | 184.00K | 153.00K | 395.00K |
| Total Non-Interest Income | 2.88M | 2.67M | 2.00M | 1.58M | 2.10M | 3.48M |
| Revenues Before Loan Losses | 25.31M | 24.46M | 20.68M | 20.54M | 23.65M | 20.83M |
| Provision for Loan Losses | 826.00K | 594.00K | -126.00K | 40.00K | 868.00K | 336.00K |
| Revenue | 24.48M | 23.87M | 20.80M | 20.50M | 22.78M | 20.50M |
| Salaries and Employee Benefits | 8.53M | 8.39M | 8.52M | 9.02M | 8.47M | 8.34M |
| Occupancy Expenses | 2.27M | 2.31M | 2.29M | 2.14M | 2.03M | 1.76M |
| Federal Deposit Insurance | 391.00K | 380.00K | 347.00K | 393.00K | 297.00K | 154.00K |
| Amortization of Goodwill & Intangibles | 223.00K | 240.00K | 284.00K | 334.00K | 174.00K | |
| Selling, General & Administrative | 2.98M | 2.90M | 3.16M | 2.68M | 3.40M | 2.56M |
| Other Non-Interest Expense | 1.62M | 1.67M | 1.55M | 1.85M | 1.65M | 1.68M |
| Total Non-Interest Expense | 16.31M | 16.08M | 16.15M | 16.43M | 16.01M | 14.50M |
| EBT Excluding Unusual Items | 8.17M | 7.79M | 4.65M | 4.07M | 6.77M | 6.00M |
| Pretax Income | 8.17M | 7.79M | 4.65M | 4.07M | 6.77M | 6.00M |
| Income Tax Expense | 1.68M | 1.61M | 766.00K | 476.00K | 1.07M | 1.13M |
| Net Income | 6.49M | 6.17M | 3.89M | 3.59M | 5.70M | 4.87M |
| Net Income to Common | 6.49M | 6.17M | 3.89M | 3.59M | 5.70M | 4.87M |
| Basic Shares Outstanding | 3.01M | 3.01M | 3.05M | 3.04M | 3.02M | 3.25M |
| Diluted Shares Outstanding | 3.07M | 3.06M | 3.08M | 3.08M | 3.15M | 3.46M |
| EPS (Basic) | 2.16 | 2.05 | 1.27 | 1.18 | 1.89 | 1.50 |
| EPS (Diluted) | 2.12 | 2.02 | 1.26 | 1.17 | 1.81 | 1.41 |
| Dividend Per Share | 0.41 | 0.54 | 0.52 | 0.50 | 0.48 | 0.40 |
| Effective Tax Rate | 20.60% | 20.69% | 16.46% | 11.70% | 15.75% | 18.78% |
Balance sheet
Fiscal year July - June; amounts in USD.
| TTM | FY2026 | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 37.56M | 34.30M | 17.35M | 34.95M | 24.77M | 64.08M |
| Investment Securities | 1.11M | 2.46M | 2.27M | 5.26M | 13.77M | 1.59M |
| Mortgage-Backed Securities | 99.56M | 97.56M | 93.96M | 90.69M | 100.20M | 106.17M |
| Total Investments | 100.67M | 100.02M | 96.23M | 95.95M | 113.97M | 107.76M |
| Gross Loans | 489.23M | 480.50M | 465.59M | 475.52M | 494.83M | 392.63M |
| Allowance for Loan Losses | -4.90M | -4.93M | -4.48M | -4.57M | -5.17M | -4.45M |
| Other Adjustments to Gross Loans | -83.00K | -105.00K | -98.00K | -164.00K | -311.00K | |
| Net Loans | 484.33M | 475.49M | 461.00M | 470.85M | 489.49M | 387.87M |
| Property, Plant & Equipment | 16.02M | 16.96M | 18.07M | 19.12M | 17.39M | 17.09M |
| Goodwill | 2.99M | 2.99M | 2.99M | 2.99M | 2.99M | |
| Other Intangible Assets | 625.00K | 675.00K | 915.00K | 1.20M | 1.53M | |
| Loans Held for Sale | 1.08M | 1.65M | 1.54M | 1.73M | 4.00K | 3.98M |
| Accrued Interest Receivable | 1.91M | 1.90M | 1.84M | 1.77M | 1.79M | 1.12M |
| Long-Term Deferred Tax Assets | 1.49M | 1.06M | 1.16M | 1.18M | 1.31M | 1.14M |
| Other Real Estate Owned & Foreclosed | 513.00K | 613.00K | 970.00K | 418.00K | 368.00K | |
| Other Long-Term Assets | 8.37M | 7.68M | 7.43M | 7.34M | 7.29M | 7.14M |
| Total Assets | 655.56M | 643.33M | 609.49M | 637.51M | 660.91M | 590.48M |
| Accrued Expenses | 3.67M | 2.36M | 2.60M | 2.32M | 3.04M | 1.74M |
| Interest Bearing Deposits | 434.27M | 370.76M | 368.25M | 379.47M | 392.71M | 344.05M |
| Institutional Deposits | 68.47M | 55.62M | 64.20M | 59.10M | 26.80M | |
| Non-Interest Bearing Deposits | 140.65M | 138.06M | 122.42M | 130.33M | 145.55M | 161.14M |
| Total Deposits | 574.92M | 577.29M | 546.29M | 574.01M | 597.36M | 531.99M |
| Current Portion of Long-Term Debt | 832.00K | |||||
| Current Portion of Leases | 31.00K | |||||
| Long-Term Debt | 3.56M | 3.56M | 4.00M | 7.00M | 8.55M | 2.35M |
| Federal Home Loan Bank Debt, Long-Term | 14.00M | |||||
| Long-Term Leases | 820.00K | 856.00K | 861.00K | 866.00K | 871.00K | |
| Other Long-Term Liabilities | 663.00K | 511.00K | 543.00K | 521.00K | 554.00K | 354.00K |
| Total Liabilities | 596.81M | 584.57M | 554.29M | 584.71M | 610.37M | 538.13M |
| Common Stock | 30.00K | 30.00K | 32.00K | 32.00K | 31.00K | 34.00K |
| Additional Paid-In Capital | 44.58M | 44.43M | 42.19M | 41.74M | 40.98M | 40.15M |
| Retained Earnings | 17.53M | 16.42M | 15.24M | 14.05M | 12.71M | 14.51M |
| Comprehensive Income & Other | -3.38M | -2.12M | -2.25M | -3.02M | -3.18M | -2.34M |
| Shareholders' Equity | 58.76M | 58.76M | 55.20M | 52.80M | 50.54M | 52.35M |
| Total Liabilities & Equity | 655.56M | 643.33M | 609.49M | 637.51M | 660.91M | 590.48M |
| Total Debt | 17.56M | 4.41M | 4.86M | 7.86M | 9.42M | 4.05M |
| Net Cash (Debt) | 20.00M | 29.90M | 12.49M | 27.09M | 15.35M | 60.02M |
| Net Cash Per Share | 6.52 | 9.76 | 4.06 | 8.79 | 4.87 | 17.32 |
| Filing Date Shares Outstanding | 2.98M | 2.98M | 2.99M | 3.05M | 3.03M | 2.98M |
| Total Common Shares Outstanding | 2.98M | 2.99M | 3.02M | 3.06M | 3.03M | 3.26M |
| Book Value Per Share | 19.69 | 19.65 | 18.28 | 17.25 | 16.68 | 16.04 |
| Tangible Book Value | 55.14M | 55.09M | 51.30M | 48.61M | 46.02M | 52.35M |
| Tangible Book Value Per Share | 18.48 | 18.43 | 16.98 | 15.88 | 15.19 | 16.04 |
Cash flow statement
Fiscal year July - June; amounts in USD.
| TTM | FY2026 | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|---|
| Net Income | 6.17M | 3.89M | 3.59M | 5.70M | 4.87M | |
| Depreciation & Amortization | 1.36M | 1.37M | 1.28M | 869.00K | 763.00K | |
| Gain (Loss) on Sale of Assets | 18.00K | 265.00K | 415.00K | -4.00K | 48.00K | |
| Gain (Loss) on Sale of Investments | -378.00K | -183.00K | -284.00K | -27.00K | 109.00K | |
| Provision for Credit Losses | 594.00K | -126.00K | 40.00K | 959.00K | 360.00K | |
| Accrued Interest Receivable | -59.00K | -61.00K | 15.00K | -666.00K | 39.00K | |
| Change in Other Net Operating Assets | 173.00K | 895.00K | -2.12M | 5.71M | 12.69M | |
| Other Operating Activities | -86.00K | -613.00K | -857.00K | -590.00K | -512.00K | |
| Operating Cash Flow | 7.62M | 5.47M | 2.32M | 12.11M | 17.06M | |
| Capital Expenditures | -29.00K | -46.00K | -2.69M | -1.18M | -2.57M | |
| Cash Acquisitions | -10.24M | |||||
| Investment in Securities | -3.01M | -196.00K | 18.42M | -5.93M | -26.39M | |
| Net Decrease (Increase) in Loans Originated / Sold - Investing | -15.81M | 9.27M | 18.35M | -97.03M | -51.00M | |
| Other Investing Activities | -249.00K | 1.04M | -22.00K | -838.00K | 357.00K | |
| Investing Cash Flow | -18.03M | 10.21M | 34.48M | -115.31M | -78.79M | |
| Short-Term Debt Issued | 2.00M | 792.70M | 184.00M | |||
| Long-Term Debt Issued | 2.70M | 6.20M | 3.15M | |||
| Total Debt Issued | 2.00M | 795.40M | 190.20M | 3.15M | ||
| Short-Term Debt Repaid | -2.00M | -792.70M | -184.83M | -35.00K | ||
| Long-Term Debt Repaid | -444.00K | -3.00M | -4.25M | -3.20M | ||
| Total Debt Repaid | -2.44M | -3.00M | -796.95M | -184.83M | -3.23M | |
| Net Debt Issued (Repaid) | -444.00K | -3.00M | -1.55M | 5.37M | -85.00K | |
| Issuance of Common Stock | 1.84M | 111.00K | 374.00K | 451.00K | 2.01M | |
| Repurchase of Common Stock | -3.33M | -1.07M | -487.00K | -5.96M | -4.48M | |
| Common Dividends Paid | -1.66M | -1.63M | -1.57M | -1.53M | -1.35M | |
| Net Increase (Decrease) in Deposit Accounts | 31.00M | -27.72M | -23.35M | 65.37M | 25.39M | |
| Other Financing Activities | -32.00K | 22.00K | -33.00K | 200.00K | -72.00K | |
| Financing Cash Flow | 27.37M | -33.29M | -26.62M | 63.90M | 21.41M | |
| Net Cash Flow | 16.96M | -17.60M | 10.18M | -39.31M | -40.33M | |
| Free Cash Flow | 7.59M | 5.43M | -368.00K | 10.92M | 14.48M | |
| Free Cash Flow Margin | 31.80% | 26.08% | -1.80% | 47.95% | 70.67% | |
| Free Cash Flow Per Share | 2.48 | 1.76 | -0.12 | 3.46 | 4.18 | |
| Cash Interest Paid | 10.69M | 11.75M | 12.91M | 5.08M | 1.89M | |
| Cash Income Tax Paid | 1.65M | 685.00K | 680.00K | 950.00K | 1.11M |
Ratios
Fiscal year July - June; amounts in USD.
| TTM | FY2026 | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 68.05M | 61.61M | 41.13M | 34.64M | 42.07M | 59.21M |
| Last Close Price | 22.85 | 20.85 | 13.05 | 10.57 | 12.45 | 16.99 |
| PE Ratio | 10.78 | 9.98 | 10.58 | 9.64 | 7.38 | 12.15 |
| PS Ratio | 2.78 | 2.58 | 1.98 | 1.69 | 1.85 | 2.89 |
| PB Ratio | 1.16 | 1.05 | 0.74 | 0.66 | 0.83 | 1.13 |
| P/FCF Ratio | 8.96 | 8.12 | 7.58 | 3.85 | 4.09 | |
| P/OCF Ratio | 8.93 | 8.09 | 7.52 | 14.94 | 3.48 | 3.47 |
| Debt / Equity Ratio | 0.30 | 0.07 | 0.09 | 0.15 | 0.19 | 0.08 |
| Debt / FCF Ratio | 0.58 | 0.90 | 0.86 | 0.28 | ||
| Net Debt / Equity Ratio | -0.34 | -0.51 | -0.23 | -0.51 | -0.30 | -1.15 |
| Net Debt / FCF Ratio | -3.94 | -2.30 | 73.61 | -1.41 | -4.14 | |
| Return on Equity (ROE) | 11.25% | 10.84% | 7.20% | 6.95% | 11.09% | 9.28% |
| Return on Assets (ROA) | 1.01% | 0.99% | 0.62% | 0.55% | 0.91% | 0.84% |
| Earnings Yield | 9.28% | 10.02% | 9.45% | 10.37% | 13.56% | 8.23% |
| FCF Yield | 11.16% | 12.32% | 13.19% | -1.06% | 25.97% | 24.46% |
| Dividend Yield | 2.63% | 2.62% | 3.82% | 4.42% | 3.46% | 2.20% |
| Payout Ratio | 28.30% | 26.94% | 41.90% | 43.67% | 26.82% | 27.77% |
| Buyback Yield / Dilution | 0.12% | 0.47% | 0.14% | 2.23% | 9.00% | -1.13% |
| Total Shareholder Return | 2.74% | 3.09% | 3.96% | 6.65% | 12.46% | 1.08% |