Home Federal Bancorp Inc of Louisiana
Home Federal Bancorp Inc of Louisiana operates as a bank holding company, providing a range of banking services including commercial and retail banking, wealth management, and mortgage lending.
Business. Home Federal Bancorp Inc of Louisiana (HFBL.O) is a bank headquartered in Louisiana that operates within the Banking & Investment Services industry. The company generates revenue primarily through interest income, consistent with standard banking operations. It is listed on the NASDAQ stock exchange under the ticker symbol HFBL.O. Specific details regarding operating segments or geographic revenue breakdowns are not available.
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- Company
- EarningsFY 2026 earnings (expected)2026-08-09 · estimated
- Peers
- DividendDividend USD 1.75/sh2026-09-25 · Bank of America (BAC)
- EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · JPMorgan Chase (JPM)
- EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · Citigroup (C)
- Macro
- Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
- Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
- Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
- Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
- Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
- Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
- Macro & political
- ElectionSE Swedish Election2026-09-14 · SE
- ElectionUS U.S. Midterms2026-11-03 · US
- ElectionFR French Legislative2027-06-01 · FR
Pre-earnings brief
Home Federal Bancorp Inc of Louisiana (HFBL.O) has recorded several notable additions to its shareholder base, marking the first available analysis for the ticker. The most significant recent activity involves investor ID 524, who held 36,588 shares valued at approximately $0.66 million as of March 31, 2026. This position represents a weight of roughly 0.0002% in the relevant portfolio, indicating a new institutional or significant individual stake in the Louisiana-based bank holding company. Other notable additions were also detected during the same reporting period. Investor ID 487 acquired 14,511 shares, valued at approximately $0.25 million, as of March 31, 2026. Additionally, smaller positions were established by investor ID 486 and investor ID 499, each holding a single share as of the same date. These entries suggest a broadening of the shareholder register, albeit with varying levels of capital commitment. Historical data points also reflect earlier accumulation. Investor ID 465 held 51,252 shares, valued at approximately $0.92 million, as of December 31, 2025. Furthermore, investor ID 466 held 4,268 shares, valued at approximately $0.05 million, as of June 30, 2024. These figures provide a baseline for the company's ownership structure prior to the most recent quarter's activity. The significance of these changes lies in the establishment of a baseline for HFBL.O's ownership profile. With only one analyst covering the stock and no index membership, the addition of these seven top holders provides initial visibility into institutional interest. The lack of prior basis for delta computation means these figures represent the starting point for tracking future shifts in ownership concentration and investor sentiment for the bank.
Signals & dispatch
Composite-score breakdown
Synthesis
Home Federal Bancorp Inc of Louisiana (HFBL.O) is a bank headquartered in Louisiana that operates within the Banking & Investment Services industry. The company generates revenue primarily through interest income, consistent with standard banking operations. It is listed on the NASDAQ stock exchange under the ticker symbol HFBL.O. Specific details regarding operating segments or geographic revenue breakdowns are not available.
Home Federal Bancorp maintains a relatively strong liquidity position, with a price-to-book ratio of 1.09 and a price-to-tangible-book ratio of 1.09, indicating that the market values the company's equity in line with its book value. The company's liquidity is assessed as medium, with a notable risk flag indicating that net cash is negative after subtracting total debt. Despite this, the company's free cash flow of $3.6 million and operating cash flow of $5.5 million suggest a capacity to service obligations and fund operations.
In terms of profitability, the company's return on equity (ROE) of 7.04% and return on assets (ROA) of 0.64% are below the typical thresholds for high-performing banks, indicating that the company is generating modest returns relative to its equity and asset base. The price-to-earnings ratio of 15.54 suggests that the market is paying a moderate premium for the company's earnings, which is in line with the industry's valuation norms.
The company's revenue is concentrated in a single business segment, as no specific segments are disclosed in the available data. Geographically, the company is primarily focused on Louisiana, with no significant international exposure. This concentration may limit diversification benefits and increase vulnerability to regional economic downturns.
Looking ahead, the company's revenue is expected to grow, though the exact rate is not specified in the available data. The company's capital expenditure of -$46,000 indicates a reduction in capital spending, which may reflect a strategic shift or a focus on cost efficiency. The company's dilution risk is assessed as low, with no immediate pressure for share issuance, and the risk assessment indicates that the company is not currently facing significant dilution threats.
Recent filings and transcripts do not highlight any major events or strategic shifts for Home Federal Bancorp. The company's financial performance and operational strategy appear to be stable, with no significant changes reported in the latest available data.
Home Federal Bancorp Inc of Louisiana (HFBL.O) has recorded several notable additions to its shareholder base, marking the first available analysis for the ticker. The most significant recent activity involves investor ID 524, who held 36,588 shares valued at approximately $0.66 million as of March 31, 2026. This position represents a weight of roughly 0.0002% in the relevant portfolio, indicating a new institutional or significant individual stake in the Louisiana-based bank holding company. Other notable additions were also detected during the same reporting period. Investor ID 487 acquired 14,511 shares, valued at approximately $0.25 million, as of March 31, 2026. Additionally, smaller positions were established by investor ID 486 and investor ID 499, each holding a single share as of the same date. These entries suggest a broadening of the shareholder register, albeit with varying levels of capital commitment. Historical data points also reflect earlier accumulation. Investor ID 465 held 51,252 shares, valued at approximately $0.92 million, as of December 31, 2025. Furthermore, investor ID 466 held 4,268 shares, valued at approximately $0.05 million, as of June 30, 2024. These figures provide a baseline for the company's ownership structure prior to the most recent quarter's activity. The significance of these changes lies in the establishment of a baseline for HFBL.O's ownership profile. With only one analyst covering the stock and no index membership, the addition of these seven top holders provides initial visibility into institutional interest. The lack of prior basis for delta computation means these figures represent the starting point for tracking future shifts in ownership concentration and investor sentiment for the bank.
- Home Federal Bancorp has a moderate price-to-earnings ratio of 15.54, suggesting a balanced valuation relative to its earnings.
- The company's return on equity of 7.04% is modest, indicating that it is generating relatively low returns for shareholders.
- The company's liquidity is assessed as medium, with a risk flag indicating negative net cash after subtracting total debt.
- The company's revenue is concentrated in a single business segment and geographic region, which may increase its vulnerability to local economic conditions.
- The company's capital expenditure is negative, suggesting a reduction in investment in physical assets.
Bull / Bear case
Generated · model-assistedIn focus — financials by report
Valuation
Revenue by segment
Business relationships
Supply chain
Peer comparison
Market position
Stress test
Predictor forecast
Options
Short squeeze
Earnings-call key lines
Estimate revisions
consensus EPS · 26-week trendSell-side observations
Themes
ESG
Risk factors
- Net cash is negative after subtracting total debt.
Benchmarks vs cohort
Corporate actions / M&A
FX exposure
Comparable transactions
Derivatives & instruments
Derivative transactions
- Director · Stock Options (Right to Buy) → Common StockDisposed 3 000 @ $11,86exercise · 2026-07-22
- Director · Stock Option (Right to Buy) → Common StockDisposed 1 800 @ $11,86exercise · 2026-05-27
- Director · Stock Option (Right to Buy) → Common StockDisposed 16 000 @ $11,86exercise · 2026-03-20
- Director · Stock Options (Right to Buy) → Common StockDisposed 6 000 @ $11,86exercise · 2026-01-06
- EVP & Chief Financial Officer · Employee Stock Option (Right to Buy) → Common StockAcquired 8 000 @ $15,17grant · 2025-12-18
- Director · Stock Option (Right to Buy) → Common StockAcquired 12 000 @ $15,17grant · 2025-12-18
- Director, Chairman, President & CEO*** · Employee Stock Option (Right to Buy) → Common StockAcquired 12 000 @ $15,17grant · 2025-12-18
- Director · Stock Option (Right to Buy) → Common StockAcquired 12 000 @ $15,17grant · 2025-12-18
- Executive Vice President* · Employee Stock Option (Right to Buy) → Common StockAcquired 8 000 @ $15,17grant · 2025-12-18
- Director · Stock Option (Right to Buy) → Common StockAcquired 12 000 @ $15,17grant · 2025-12-18
- Director · Stock Option (Right to Buy) → Common StockAcquired 8 750 @ $15,17grant · 2025-12-18
- Director, Chairman, President & CEO*** · Employee Stock Option (Right to Buy) → Common StockDisposed 20 000 @ $11,50exercise · 2025-10-15
- Sr. VP Retail & COO* · Stock Option (Right to Buy) → Common StockDisposed 14 000 @ $11,50exercise · 2025-10-15
- Director · Stock Option (Right to Buy) → Common StockDisposed 13 000 @ $11,50exercise · 2025-10-15
- Director · Stock Option (Right to Buy) → Common StockDisposed 9 000 @ $11,50exercise · 2025-10-06
Actions
Ask Handelsavisen
- Market data
- Market data cache
- Issuer disclosures
- Public news
- Earnings transcripts
- Consensus estimates
- ESG data
- Ev To Operating Cash Flowenterprise_value / operating_cash_flow
- Return On Equitynet_income / total_equity
- Price To Earningsmarket_price / (net_income / shares_outstanding_diluted)
- Price To Bookmarket_price / (adjusted_book_value / shares_outstanding_diluted)
- Dilution Ratio(shares_outstanding_diluted - shares_outstanding_basic) / shares_outstanding_basic
- Market Priceinput from market-data provider (delayed close or quote-shim mid)
- Home Federal Bancorp Inc of Louisiana Market data — financials · 2026-05-28
Ownership & reference
Top holders
- Investment Managers · as of 2026-03-310,00 %$1M
- Investment Managers · as of 2026-03-310,00 %$0M
- Investment Managers · as of 2026-03-310,00 %$0M
- Investment Managers · as of 2025-12-310,00 %$1M
- Investment Managers · as of 2024-06-300,00 %$0M
- Investment Managers · as of 2026-03-310,00 %$0M
- Investment Managers · as of 2026-03-310,00 %$0M
Insider activity
- Director · Common StockOther 3 000 @ $11,86$36K · 2026-07-22
- Director · Common StockOther 1 800 @ $11,86$21K · 2026-05-27
- Director · Common StockOther 2 000 @ $11,86$24K · 2026-03-20
- Director · Common StockOther 6 000 @ $11,86$71K · 2026-01-06
- EVP & Chief Financial Officer · Common StockOther 2 500 · 2025-12-18
- Director, Chairman, President & CEO*** · Common StockOther 5 000 · 2025-12-18
- Director · Common StockOther 5 000 · 2025-12-18
- Executive Vice President* · Common StockOther 2 500 · 2025-12-18
- Director · Common StockOther 5 000 · 2025-12-18
- Director · Common StockOther 5 000 · 2025-12-18
- Director · Common StockOther 3 750 · 2025-12-18
- Director, Chairman, President & CEO*** · Common StockOther 4 179 @ $15,36$64K · 2025-11-19
- Director, Chairman, President & CEO*** · Common StockOther 1 821 @ $15,86$29K · 2025-11-11
- Sr. VP Retail & COO* · Common StockOther 14 000 @ $11,50$161K · 2025-10-15
- Sr. VP Retail & COO* · Common StockOther 10 005 @ $14,20$142K · 2025-10-15
- Director, Chairman, President & CEO*** · Common StockOther 20 000 @ $11,50$230K · 2025-10-15
- Director, Chairman, President & CEO*** · Common StockOther 20 000 @ $14,20$284K · 2025-10-15
- Director · Common StockOther 13 000 @ $11,50$150K · 2025-10-15
- Director · Common StockOther 10 529 @ $14,20$150K · 2025-10-15
- Director · Common StockOther 9 000 @ $11,50$104K · 2025-10-06
- Director · Common StockSold 8 200 @ $13,50$111K · 2025-09-17
Short positioning
Geographic breakdown
Intel & risk
Evidence & claims
From filings & derived data- Shareholders' equity (YoY) (2025-12-31 vs 2024-12-31): 7.1%Derived (calculated)
- Debt-to-equity (FY 2025-12-31): 9.76xDerived (calculated)
- Total assets (YoY) (2025-12-31 vs 2024-12-31): 2.3%Derived (calculated)
- Total liabilities (YoY) (2025-12-31 vs 2024-12-31): 1.8%Derived (calculated)
- Total liabilities (annual): USD 563.7MSEC XBRL filing
- Total assets (annual): USD 621.45MSEC XBRL filing
- Shareholders' equity (annual): USD 57.75MSEC XBRL filing
- Shares outstanding (annual): 3.08MSEC XBRL filing
- Net margin (FY 2025-06-30): 298.4%Derived (calculated)
- EPS (basic) (YoY) (2025-06-30 vs 2024-06-30): 7.6%Derived (calculated)
- Operating cash flow (YoY) (2025-06-30 vs 2024-06-30): 136.1%Derived (calculated)
- Net income (YoY) (2025-06-30 vs 2024-06-30): 8.2%Derived (calculated)
- EPS (diluted) (YoY) (2025-06-30 vs 2024-06-30): 7.7%Derived (calculated)
- Revenue (YoY) (2025-06-30 vs 2024-06-30): 17.5%Derived (calculated)
- Net income (annual): USD 3.89MSEC XBRL filing
- Pre-tax income (annual): USD 4.65MSEC XBRL filing
- Revenue (annual): USD 1.3MSEC XBRL filing
- EPS (basic) (annual): USD-PER-SHARES 1SEC XBRL filing
- Operating cash flow (annual): USD 5.47MSEC XBRL filing
- EPS (diluted) (annual): USD-PER-SHARES 1SEC XBRL filing
- Debt-to-equity (FY 2024-12-31): 10.27xDerived (calculated)
- Shareholders' equity (YoY) (2024-12-31 vs 2023-12-31): 2.5%Derived (calculated)
- Total liabilities (YoY) (2024-12-31 vs 2023-12-31): -7.9%Derived (calculated)
- Total assets (YoY) (2024-12-31 vs 2023-12-31): -7.1%Derived (calculated)