Home Federal Bancorp Louisiana (HFBL) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Home Federal Bancorp Louisiana stock (HFBL) is currently trading at $16.67. Home Federal Bancorp Louisiana PE ratio is 10.37. Home Federal Bancorp Louisiana PS ratio (Price-to-Sales) is 2.14. WallStSmart rates HFBL as Hold.
- HFBL PE ratio analysis and historical PE chart
- HFBL PS ratio (Price-to-Sales) history and trend
- HFBL intrinsic value — DCF, Graham Number, EPV models
- HFBL stock price prediction 2025 2026 2027 2028 2029 2030
- HFBL fair value vs current price
- HFBL insider transactions and insider buying
- Is HFBL undervalued or overvalued?
- Home Federal Bancorp Louisiana financial analysis — revenue, earnings, cash flow
- HFBL Piotroski F-Score and Altman Z-Score
- HFBL analyst price target and Smart Rating
Home Federal Bancorp Louisiana
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HFBL Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Home Federal Bancorp Louisiana (HFBL)
HFBL trades at a significant discount to its Graham intrinsic value of $68.80, offering a 73% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Home Federal Bancorp Louisiana (HFBL) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, eps growth. Concerns around market cap and return on equity. Fundamentals are solid but monitor weak areas for improvement.
Home Federal Bancorp Louisiana (HFBL) Key Strengths (4)
Keeps $37 of every $100 in revenue after operating costs
Trading below book value, meaning the market prices it less than net assets
Earnings per share surging 69.00% year-over-year
Keeps $21 of every $100 in revenue as net profit
Supporting Valuation Data
Home Federal Bancorp Louisiana (HFBL) Areas to Watch (5)
Very low institutional interest at 7.64%
Micro-cap company with very limited liquidity and high volatility
Low profitability relative to shareholder equity
Revenue is fairly priced at 2.14x sales
Solid revenue growth at 18.50% per year
Home Federal Bancorp Louisiana (HFBL) Detailed Analysis Report
Overall Assessment
This company scores 63/100 in our Smart Analysis, earning a C+ grade. Out of 9 metrics analyzed, 4 register as strengths (avg 10.0/10) while 5 fall into concern territory (avg 4.0/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Operating Margin, Price/Book, EPS Growth. Valuation metrics including Price/Book (0.84) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 37.10%, Profit Margin at 20.90%. Growth metrics are encouraging with EPS Growth at 69.00%.
The Bear Case
The primary concerns are Institutional Own., Market Cap, Return on Equity. Some valuation metrics including Price/Sales (2.14) suggest expensive pricing. Growth concerns include Revenue Growth at 18.50%, which may limit upside. Profitability pressure is visible in Return on Equity at 8.20%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Institutional Own. improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 8.20% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 18.50% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Operating Margin, Price/Book) and negatives (Institutional Own., Market Cap). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
HFBL Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
HFBL's Price-to-Sales ratio of 2.14x sits near its historical average of 2.46x (0th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 18% below its historical high of 2.62x set in Mar 2026, and 0% above its historical low of 2.14x in Mar 2026. Over the past 12 months, the PS ratio has compressed from ~2.6x as trailing revenue scaled faster than the stock price.
WallStSmart Analysis Synopsis
Data-driven financial summary for Home Federal Bancorp Louisiana (HFBL) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Home Federal Bancorp Louisiana is a strong growth company balancing expansion with improving profitability. Revenue reached 22M with 19% growth year-over-year. Profit margins are strong at 20.9%, reflecting pricing power and operational efficiency.
Key Findings
Profit margin of 20.9% and operating margin of 37.1% demonstrate strong pricing power and operational efficiency.
Generating 3M in free cash flow and 3M in operating cash flow. Earnings are translating into actual cash generation.
What to Watch Next
Dividend sustainability with a current yield of 3.3%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Home Federal Bancorp Louisiana.
Bottom Line
Home Federal Bancorp Louisiana offers an attractive blend of growth (19% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions(2 last 3 months)
Data sourced from SEC Form 4 filings
Last updated: 12:56:15 PM
About Home Federal Bancorp Louisiana(HFBL)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Home Federal Bancorp, Inc. of Louisiana is the parent company of Home Federal Bank, a federally licensed savings bank that provides financial services to individuals, corporate entities, and other organizations in the Shreveport-Bossier City metropolitan area. The company is headquartered in Shreveport, Louisiana.