Home Federal Financials

HFBL Stock  USD 12.36  0.01  0.08%   
Based on the analysis of Home Federal's profitability, liquidity, and operating efficiency, Home Federal Bancorp may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter. At this time, Home Federal's Cash And Short Term Investments are quite stable compared to the past year. Common Stock Shares Outstanding is expected to rise to about 4 M this year, although the value of Short and Long Term Debt Total will most likely fall to about 6.7 M. Key indicators impacting Home Federal's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin0.160.1753
Significantly Down
Slightly volatile
Return On Assets0.00590.0056
Notably Up
Slightly volatile
Return On Equity0.04730.068
Way Down
Slightly volatile
Debt Equity Ratio0.250.2651
Notably Down
Slightly volatile
Operating Income6.7 M4.1 M
Way Up
Very volatile
Current Ratio0.140.15
Significantly Down
Slightly volatile
The financial analysis of Home Federal is a critical element in measuring its lifeblood. Investors should not minimize Home Federal's ability to pay suppliers or employees on time, ensuring interest payments are not accumulating.

Net Income

2.97 Million

  
Understanding current and past Home Federal Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Home Federal's financial statements are interrelated, with each one affecting the others. For example, an increase in Home Federal's assets may result in an increase in income on the income statement.

Home Federal Stock Summary

Home Federal competes with Affinity Bancshares, Southern California, Auburn National, BayCom Corp, and Community West. Home Federal Bancorp, Inc. of Louisiana operates as the holding company for Home Federal Bank that provides various financial services to individuals, corporate entities, and other organizations. Home Federal Bancorp, Inc. was founded in 1924 and is based in Shreveport, Louisiana. Home Federal operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 70 people.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINUS43708L1089
CUSIP43708L108 43708F101
LocationLouisiana; U.S.A
Business Address624 Market Street,
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.hfb.bank
Phone318 222 1145
CurrencyUSD - US Dollar

Home Federal Key Financial Ratios

Home Federal Key Balance Sheet Accounts

201920202021202220232024 (projected)
Total Assets518.2M565.7M590.5M660.9M637.5M370.3M
Net Debt(51.5M)(101.1M)(60.9M)(16.2M)(8.2M)(7.8M)
Retained Earnings13.9M15.6M14.5M12.7M14.1M14.2M
Cash54.9M104.4M64.1M24.8M15.2M23.3M
Other Assets342.4M331.4M394.7M459.8M(11.1M)(10.6M)
Net Receivables1.9M1.2M1.1M1.8M1.8M1.0M
Total Liab467.7M513.0M538.1M8.6M584.7M293.0M
Total Current Assets98.8M135.1M71.5M66.1M34.9M33.2M
Short Term Debt2.5M2.4M3.2M8.6M7M8.5M
Other Liab584K522K3.1M354K318.6K302.7K
Accounts Payable388.2M460.8M506.6M532.0M611.8M331.1M
Long Term Debt867K3.3M2.4M8.6M7.7M10.1M
Inventory(22.1M)(46.4M)(24.4M)(9.0M)(507.6M)(482.2M)
Net Tangible Assets50.3M50.5M52.7M52.3M60.2M52.4M
Other Current Assets22.1M46.4M24.4M9.0M37.1M19.4M
Short Long Term Debt2.5M2.4M832K8.6M7.7M10.6M
Other Current Liab(2.5M)(2.4M)(3.2M)493.3M(7M)(6.7M)
Net Invested Capital53.9M3.3M55.5M59.1M53.2M43.2M

Home Federal Key Income Statement Accounts

201920202021202220232024 (projected)
Interest Expense5.2M3.3M1.9M5.1M12.9M13.6M
Total Revenue18.8M22.0M20.6M23.5M20.5M14.0M
Gross Profit18.8M22.0M20.6M23.5M20.5M14.0M
Operating Income4.8M6.8M7.9M6.8M4.1M6.7M
Ebit4.8M6.8M6M6.6M4.1M6.6M
Ebitda5.5M7.5M6.8M7.6M5.3M7.0M
Income Before Tax4.8M6.8M6M6.8M4.1M4.1M
Net Income3.9M5.4M4.9M5.7M3.6M3.0M
Income Tax Expense1.3M957K1.4M1.1M476K452.2K
Tax Provision957K1.4M1.1M1.1M959.4K1.2M
Net Interest Income15.2M16.9M17.4M21.6M24.8M17.2M
Interest Income20.3M20.2M19.2M26.6M30.6M21.0M

Home Federal Key Cash Accounts

201920202021202220232024 (projected)
Change In Cash36.8M49.5M(40.3M)(39.3M)10.2M10.7M
Free Cash Flow(770K)6.0M14.5M10.9M(368K)(349.6K)
Depreciation653K665K763K869K1.3M1.3M
Other Non Cash Items(6.9M)1.3M10.8M4.5M(2.5M)(2.4M)
Capital Expenditures970K2.4M2.6M1.2M2.7M1.5M
Net Income3.9M5.4M4.9M5.7M3.6M3.0M
End Period Cash Flow54.9M104.4M64.1M24.8M34.9M24.4M
Dividends Paid1.1M1.1M1.4M1.5M1.6M846.8K
Investments(32.5M)(22.3M)(26.4M)(115.3M)(103.8M)(98.6M)
Net Borrowings1.6M(93K)(85K)5.4M4.8M5.1M
Change To Netincome(233K)(2.9M)(1.3M)491K564.7K592.9K

Home Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Home Federal's current stock value. Our valuation model uses many indicators to compare Home Federal value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Home Federal competition to find correlations between indicators driving Home Federal's intrinsic value. More Info.
Home Federal Bancorp is rated # 4 in return on equity category among its peers. It is rated # 5 in return on asset category among its peers reporting about  0.08  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Home Federal Bancorp is roughly  12.41 . At this time, Home Federal's Return On Equity is quite stable compared to the past year. Comparative valuation analysis is a catch-all technique that is used if you cannot value Home Federal by discounting back its dividends or cash flows. It compares the stock's price multiples to nearest competition to determine if the stock is relatively undervalued or overvalued.

Home Federal Bancorp Systematic Risk

Home Federal's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Home Federal volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was ten with a total number of output elements of fifty-one. The Beta measures systematic risk based on how returns on Home Federal Bancorp correlated with the market. If Beta is less than 0 Home Federal generally moves in the opposite direction as compared to the market. If Home Federal Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Home Federal Bancorp is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Home Federal is generally in the same direction as the market. If Beta > 1 Home Federal moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in Home Federal Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Home Federal's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Home Federal growth as a starting point in their analysis.

Price Earnings To Growth Ratio

(0.25)

At this time, Home Federal's Price Earnings To Growth Ratio is quite stable compared to the past year.

Home Federal November 30, 2024 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Home Federal help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Home Federal Bancorp. We use our internally-developed statistical techniques to arrive at the intrinsic value of Home Federal Bancorp based on widely used predictive technical indicators. In general, we focus on analyzing Home Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Home Federal's daily price indicators and compare them against related drivers.
When determining whether Home Federal Bancorp is a strong investment it is important to analyze Home Federal's competitive position within its industry, examining market share, product or service uniqueness, and competitive advantages. Beyond financials and market position, potential investors should also consider broader economic conditions, industry trends, and any regulatory or geopolitical factors that may impact Home Federal's future performance. For an informed investment choice regarding Home Stock, refer to the following important reports:
Check out Risk vs Return Analysis to better understand how to build diversified portfolios, which includes a position in Home Federal Bancorp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in bureau of labor statistics.
You can also try the Financial Widgets module to easily integrated Macroaxis content with over 30 different plug-and-play financial widgets.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Home Federal. If investors know Home will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Home Federal listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
(0.21)
Dividend Share
0.505
Earnings Share
1.09
Revenue Per Share
6.465
Quarterly Revenue Growth
(0.13)
The market value of Home Federal Bancorp is measured differently than its book value, which is the value of Home that is recorded on the company's balance sheet. Investors also form their own opinion of Home Federal's value that differs from its market value or its book value, called intrinsic value, which is Home Federal's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Home Federal's market value can be influenced by many factors that don't directly affect Home Federal's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Home Federal's value and its price as these two are different measures arrived at by different means. Investors typically determine if Home Federal is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Home Federal's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.