Home Federal Bancorp, Inc. Of Louisiana is a US-listed company in the regional banks industry. Its financial year ends in June.
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~$21
Valuation models combined (6)
Base case. Range ~$16–$25. Weighted average of 6 models (residual income, justified price-to-book, price-to-book vs return on equity (peers), price-to-book vs peers, price-to-earnings vs peers, dividend discount (two-stage)), the residual income counting double.
Modestly overvalued
The price is inside our value range, 11% above our base value.
Price used: $23.11, November 2, 2026
Home Federal Bancorp, Inc. Of Louisiana valuation: adjust assumptions and compare models →
What company insiders, investment funds and members of Congress have been doing with the stock, from their own filings.
Revenue for the twelve months to June 2026 was $24m, up 18.3% on a year earlier, about the same pace as a quarter earlier. Our cash-flow model value is $21.56 a share, against a share price of $22.74.
Source: 10-K filed September 25, 2026 on SEC EDGAR · Financials · Valuation
Written from the company's filings and our models when each quarter's report arrives. Figures in older notes are as published at the time. Not investment advice.
Home Federal Bancorp, Inc. Of Louisiana's trailing-twelve-month revenue grew 18.3% year on year, with a free-cash-flow margin of 26.6%.
Current signal Net margin expanding: TTM net margin reached 25.2%, up 6.4pp year over year.
Assembled from SEC-filed figures — the full workings are on this page and in our methodology. Observations, not recommendations.
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Company announcements, filed results and changes that matter to shareholders.
We value Home Federal Bancorp, Inc. Of Louisiana as a bank or lender, with every model that fits that kind of business. Cost of equity 8.5%: the 10-year Treasury yield (4.9%) plus a beta of 0.78 times a 4.5% equity risk premium.
| Model | Value per share | In the combined value? |
|---|---|---|
| Residual income Book value plus the present value of returns above the cost of equity, fading over ten years. | ~$21 ~$14–$31 | Primary model, counts double |
| Justified price-to-book Book value times (return on equity - growth) / (cost of equity - growth): steady-state returns. | ~$22 ~$18–$26 | Included |
| Price-to-book vs return on equity (peers) The price-to-book that peers with this return on equity trade on, from a line fitted across peers. | ~$25 ~$14–$35 | Included |
| Price-to-book vs peers Book value per share times peers' typical (harmonic-mean) price-to-book. | ~$16 ~$20–$30 | Included |
| Price-to-earnings vs peers Earnings per share times peers' typical (harmonic-mean) price-to-earnings. | ~$20 ~$22–$30 | Included |
| Dividend discount (two-stage) Dividends for five years at the growth the business can fund, then a steady payout and growth. | ~$22 ~$18–$28 | Included |
| Combined value Weighted average of the models that apply: the primary model (residual income) counts double. Models more than 5x or less than 0.2x the share price, or more than 3x away from the other models' median, are left out. | ~$21 ~$16–$25 | 6 models |
Different models fail in different ways, so where several apply we average them rather than trust one. Peer-based models compare Home Federal Bancorp, Inc. Of Louisiana with banks and lenders in our coverage, using third-party market data. Model values are estimates under stated assumptions, updated as new filings arrive; not price targets or investment advice. How each model works.
Strong moat
How hard Home Federal Bancorp's competitive advantage looks for rivals to wear away, judged from 10 years of its own filings: returns on capital, pricing power, profit durability, cash conversion and discipline.
Net income has been a median 0.9% of total assets over 10 years.
Net margin has been a median 21.9%; its worst year was 17.5%.
The diluted share count fell 10.6% over five years; stock-based pay has been a median 0.8% of revenue.
AI disruption exposure: Medium. In this industry, AI could change how the product is made or sold, without replacing the core asset. The score above includes a 5-point deduction for that exposure (76 before it).
No analyst estimates are published for Home Federal Bancorp, Inc. Of Louisiana: too few analysts cover it.
Source: SEC EDGAR filings. Retrieved October 29, 2026.
| Period | Revenue (TTM) |
|---|---|
| FY24 Q1 | $23.5M |
| FY24 Q2 | $22.7M |
| FY24 Q3 | $21.6M |
| FY24 Q4 | $20.5M |
| FY25 Q1 | $19.5M |
| FY25 Q2 | $19.6M |
| FY25 Q3 | $19.9M |
| FY25 Q4 | $20.7M |
| FY26 Q1 | $21.9M |
| FY26 Q2 | $22.8M |
| FY26 Q3 | $23.6M |
| FY26 Q4 | $24.5M |
Source: SEC EDGAR filings. Retrieved October 29, 2026.
| Period | Revenue growth, TTM YoY |
|---|---|
| FY24 Q1 | 9.7% |
| FY24 Q2 | 2.8% |
| FY24 Q3 | -5.8% |
| FY24 Q4 | -13.2% |
| FY25 Q1 | -16.9% |
| FY25 Q2 | -13.7% |
| FY25 Q3 | -8.0% |
| FY25 Q4 | 0.7% |
| FY26 Q1 | 11.9% |
| FY26 Q2 | 16.3% |
| FY26 Q3 | 18.7% |
| FY26 Q4 | 18.3% |
Source: SEC EDGAR filings. Retrieved October 29, 2026.
| Period | FCF margin (TTM) |
|---|---|
| FY24 Q1 | 39.7% |
| FY24 Q2 | 26.3% |
| FY24 Q3 | 12.9% |
| FY24 Q4 | 6.7% |
| FY25 Q1 | -1.0% |
| FY25 Q2 | 25.8% |
| FY25 Q3 | 26.8% |
| FY25 Q4 | 21.2% |
| FY26 Q1 | 28.6% |
| FY26 Q2 | 28.5% |
| FY26 Q3 | 18.1% |
| FY26 Q4 | 26.6% |
What Home Federal Bancorp earned on its loans and securities in FY2026, what it paid depositors and lenders, and how its revenue split between running costs, credit losses, tax and profit.
| Interest income | $32.5M | |
|---|---|---|
| Fee and other income | $2.7M | 10.9% of revenue |
| Interest paid | $10.7M | |
| Net interest income | $21.8M | 89.1% of revenue |
| Revenue | $24.5M | |
| Non-interest expense | $16.1M | 65.7% of revenue |
| Credit-loss provisions | $594,000 | 2.4% of revenue |
| Pre-tax profit | $7.8M | 31.8% of revenue |
| Income tax | $1.6M | 6.6% of revenue |
| Net income | $6.2M | 25.2% of revenue |
| Fiscal year | 2011 Jun 2011 | 2012 Jun 2012 | 2013 Jun 2013 | 2014 Jun 2014 | 2015 Jun 2015 | 2016 Jun 2016 | 2017 Jun 2017 | 2018 Jun 2018 | 2019 Jun 2019 | 2020 Jun 2020 | 2021 Jun 2021 | 2022 Jun 2022 | 2023 Jun 2023 | 2024 Jun 2024 | 2025 Jun 2025 | 2026 Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income | ||||||||||||||||
| Revenue | 10 | 13 | 14 | 13 | 15 | 16 | 18 | 18 | 18 | 19 | 22 | 21 | 24 | 21 | 21 | 24 |
| Net income | 2 | 3 | 3 | 3 | 3 | 3 | 4 | 4 | 5 | 4 | 5 | 5 | 6 | 4 | 4 | 6 |
| Diluted EPS | $0.34 | $1.01 | $1.31 | $1.29 | $1.65 | $1.74 | $1.91 | $1.87 | $2.50 | $1.07 | $1.57 | $1.41 | $1.81 | $1.17 | $1.26 | $2.02 |
| Growth (year on year) | ||||||||||||||||
| Revenue | — | +33.4% | +7.7% | −5.9% | +15.7% | +5.6% | +11.7% | −0.4% | −1.2% | +7.8% | +17.4% | −7.0% | +13.5% | −13.2% | +0.7% | +18.3% |
| Net income | — | +46.7% | +10.1% | −12.3% | +22.3% | +0.7% | +8.1% | −2.3% | +32.9% | −18.8% | +39.4% | −9.2% | +17.1% | −37.0% | +8.2% | +58.8% |
| Diluted EPS | — | +201.5% | +29.7% | −1.5% | +27.9% | +5.5% | +9.8% | −2.1% | +33.7% | −57.2% | +46.7% | −10.2% | +28.4% | −35.4% | +7.7% | +60.3% |
| Margins | ||||||||||||||||
| Net margin | 19.9% | 21.9% | 22.4% | 20.8% | 22.0% | 21.0% | 20.3% | 19.9% | 26.8% | 20.2% | 24.0% | 23.4% | 24.1% | 17.5% | 18.8% | 25.2% |
| Free-cash-flow margin | 70.4% | −20.7% | 68.3% | −38.2% | −18.6% | 27.5% | 15.0% | 72.8% | 26.8% | 0.9% | 36.7% | 81.9% | 50.8% | 11.1% | 26.5% | 31.2% |
| Cash flow | ||||||||||||||||
| Cash from operations | 8 | −2 | 11 | −2 | −1 | 7 | 3 | 13 | 5 | 0 | 8 | 17 | 12 | 2 | 5 | 8 |
| Capital spending | 1 | 1 | 2 | 3 | 2 | 3 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Free cash flow | 7 | −3 | 10 | −5 | −3 | 4 | 3 | 13 | 5 | 0 | 8 | 17 | 12 | 2 | 5 | 8 |
| Stock-based pay | 0 | 0 | 0 | 0 | 0 | 0 | 0 | — | — | — | — | — | — | — | — | — |
| Free cash flow after stock pay | 7 | −3 | 9 | −5 | −3 | 4 | 3 | — | — | — | — | — | — | — | — | — |
| Balance sheet | ||||||||||||||||
| Cash | 10 | 35 | 4 | 14 | 21 | 5 | 12 | 16 | 18 | 55 | 104 | 64 | 25 | 35 | 17 | 34 |
| Total debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net debt (negative = net cash) | −10 | −35 | −4 | −14 | −21 | −5 | −12 | −16 | −18 | −55 | −104 | −64 | −25 | −35 | −17 | −34 |
| Diluted shares | 6m | 6m | 5m | 4m | 4m | 4m | 4m | 4m | 4m | 4m | 3m | 3m | 3m | 3m | 3m | 3m |
| Returned to shareholders | ||||||||||||||||
| Dividends | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 2 | 2 | 2 | 2 |
| Buybacks | 0 | 3 | 10 | 2 | 3 | 3 | 1 | 2 | 2 | 4 | 3 | 4 | 6 | 0 | 1 | 3 |
| Total returned | 1 | 3 | 11 | 3 | 4 | 4 | 1 | 3 | 3 | 5 | 4 | 6 | 7 | 2 | 3 | 5 |
| Quarter | 2025 Q1 Sept 2024 | 2025 Q2 Dec 2024 | 2025 Q3 Mar 2025 | 2025 Q4 Jun 2025 | 2026 Q1 Sept 2025 | 2026 Q2 Dec 2025 | 2026 Q3 Mar 2026 | 2026 Q4 Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Income | ||||||||
| Revenue | 4,727 | 5,088 | 5,212 | 5,651 | 5,911 | 6,015 | 6,028 | 6,507 |
| Net income | 941 | 1,020 | 748 | 1,180 | 1,599 | 1,675 | 1,472 | 1,428 |
| Diluted EPS | $0.31 | $0.33 | $0.24 | $0.38 | $0.52 | $0.54 | $0.48 | $0.47 |
| Growth (year on year) | ||||||||
| Revenue | −17.3% | +1.0% | +6.2% | +16.1% | +25.0% | +18.2% | +15.7% | +15.1% |
| Net income | −22.9% | +1.7% | +2.2% | +85.0% | +69.9% | +64.2% | +96.8% | +21.0% |
| Diluted EPS | −20.5% | 0.0% | 0.0% | +72.7% | +67.7% | +63.6% | +100.0% | +23.7% |
| Margins | ||||||||
| Net margin | 19.9% | 20.0% | 14.4% | 20.9% | 27.1% | 27.8% | 24.4% | 21.9% |
| Free-cash-flow margin | 17.8% | — | 19.0% | 18.0% | 47.0% | 47.5% | −21.1% | 50.1% |
| Cash flow | ||||||||
| Cash from operations | 871 | 2,590 | 991 | 1,020 | 2,776 | 2,855 | −1,274 | 3,263 |
| Capital spending | 28 | — | 0 | 0 | 0 | 0 | 0 | 0 |
| Free cash flow | 843 | — | 991 | 1,020 | 2,776 | 2,855 | −1,274 | 3,263 |
| Last 12 months unless stated | HFBL | BAFN | BSBK | SRBK | AUBN | TCBS | Median |
|---|---|---|---|---|---|---|---|
| Revenue, last 12 months | $24m | $33m | $18m | $33m | $34m | $17m | $255m |
| Revenue growth, last 12 months | 18.3% | −64.7% | 24.8% | 0.4% | 9.2% | 14.3% | 12.5% |
| Revenue growth, 3-year average | 1.1% | −24.0% | −6.7% | — | −0.8% | 16.3% | 6.0% |
| Revenue growth, latest quarter | 15.1% | −88.5% | 11.8% | −8.3% | 7.8% | 17.5% | 10.7% |
| Net margin | 25.2% | −182.3% | 14.4% | 10.0% | 24.5% | 19.1% | 28.7% |
| Cash from operations / revenue | 31.2% | 443.1% | 24.2% | 32.0% | 33.9% | 28.0% | 34.3% |
| Free-cash-flow margin | 26.6% | 442.7% | 22.7% | 29.5% | 27.6% | 13.3% | 31.4% |
| Free-cash-flow margin, 3-year average | 18.2% | 434.7% | 3.2% | 18.1% | 30.0% | −0.8% | 29.9% |
| Stock pay / revenue | 0.8% | 0.4% | 5.0% | 6.4% | 0.3% | 2.9% | 1.2% |
| Change in share count | −0.5% | −0.5% | −1.7% | −9.6% | 0.0% | −6.8% | 0.4% |
| Measure | Company | Peer median | Rank |
|---|---|---|---|
| Revenue growth Growth | 18.3% | 12.5% | 77 of 245 |
| Change in growth rate Growth | -0.4pp | +0.0pp | 131 of 244 |
| Net margin Profitability | 25.2% | 28.7% | 159 of 245 |
| Change in share count Balance sheet | -0.5% | 0.4% | 81 of 230 |
Rank 1 = best in the group (for spending, debt and dilution, lower ranks first).
| Line of business | Revenue | Share | YoY |
|---|---|---|---|
| Fees Non Sufficient Funds | $952,000 | 56.2% | ▲ 16.2% |
| Debit Card Interchange Fees | $660,000 | 39.0% | ▲ 2.5% |
| ATM Surcharge Income | $100,000 | 5.9% | ▼ 4.8% |
| Loss On Sale of Real Estate | -$18,000 | -1.1% | — |
From Home Federal Bancorp, Inc. Of Louisiana's 10-K filed September 25, 2026, as tagged in the filing. View filing. Indented rows are part of the line above; their share is of that line. In the bars, the faint bar behind is the year before.
| Manager | Value | Shares | Share of 13F value | Shares QoQ |
|---|---|---|---|---|
| Stilwell Value LLC | $1.7M | 80K | 37.2% | 0.0% |
| Vanguard Capital Management LLC | $899,526 | 43K | 19.9% | ▲ 4.2% |
| Alliancebernstein L.P. | $563,824 | 33K | 12.5% | ▼ 10.9% |
| Geode Capital Management, LLC | $316,291 | 15K | 7.0% | ▲ 5.9% |
| Dimensional Fund Advisors LP | $304,586 | 15K | 6.8% | 0.0% |
| Vanguard Fiduciary Trust Co | $208,704 | 10K | 4.6% | ▲ 0.7% |
| Beese Fulmer Investment Management, Inc. | $203,603 | 10K | 4.5% | New |
| Blackrock, Inc. | $148,169 | 7K | 3.3% | ▲ 48.0% |
| Newedge Advisors, LLC | $83,960 | 4K | 1.9% | 0.0% |
| Adkins Seale Capital Management LLC | $76,488 | 4K | 1.7% | 0.0% |
| Vanguard Global Advisers, LLC | $16,792 | 1K | 0.4% | 0.0% |
| Acadian Asset Management LLC | $7,000 | 0K | 0.2% | 0.0% |
From Form 13F filings with the SEC ( quarterly data sets), as reported by each manager for June 30, 2026 and filed up to 45 days later. 13F reports cover long US-listed positions of managers above $100M only, so this is not Home Federal Bancorp, Inc. Of Louisiana's complete shareholder register. Values are as reported by the filers .
From insiders' Form 4 filings with the SEC. Excludes awards, option exercises and shares withheld for tax. "Pre-set plan" means the filing marks the trade as made under a Rule 10b5-1 plan. See every insider trade since five years ago, on a price chart.
Next expected around January 27, 2027 estimated from the company's past filing pattern, not announced
| Data | Last updated | Source |
|---|---|---|
| Share price | Exchange closing prices | |
| Financial statements | SEC 10-K and 10-Q filings | |
| News and updates | Company releases and SEC 8-K filings | |
| Analyst estimates | Aggregated analyst estimates | |
| Valuation and scores | Our models, from the filed figures |
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