HFBL
Home Federal Bancorp, Inc. of LouisianaFinancial Services·Banks - Regional
$19.55
$60M market cap
Revenue
$33.3M
Free Cash Flow
$5.4M
Rev Growth
+0.0%
FCF Margin
16.1%
P/FCF
11.2x
EV/FCF
6.9x
Fwd EV/EBITDA
--
Fair Value
--
Upside
--
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. The company accepts various deposits, such as passbook savings, certificates of deposit, and demand deposit accounts. Its loan products include one-to-four family residential real estate loans; commercial real estate secured loans; multi-family residential loans; commercial business loans; land loans; c
2-Year Price History
$19.02+77.8%
Quarterly Financials & Projections
Quarterly Waterfall ($ M)
| Period | Rev | EBITDA | OpIn | NI | OCF | FCF | CapEx | Cash | Debt | Shares | ROIC | IntCov | EV/EBITDA | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Act | 2026-Q3 | 8.0 | 1.5 | 1.2 | 1.5 | -1.3 | -1.3 | -0.0 | 28.9 | 6.4 | 3.1 | 13.0% | 0.6x | 3.8x |
| Act | 2026-Q2 | 8.4 | 2.1 | 2.1 | 1.7 | 2.9 | 2.9 | -0.0 | 20.5 | 4.0 | 3.1 | 28.0% | 0.8x | -- |
| Act | 2026-Q1 | 8.6 | 2.4 | 2.0 | 1.6 | 2.8 | 2.8 | -0.0 | 26.7 | 4.0 | 3.1 | 27.8% | 0.8x | -- |
| Act | 2025-Q4 | 8.3 | 2.0 | 1.6 | 1.2 | 1.0 | 1.0 | -0.0 | 50.4 | 4.0 | 3.1 | 21.5% | 0.7x | -- |
Historical Valuation
Multiples vs the company's own history — cheap or rich relative to itself? Historical fiscal years, then TTM, then forward projections (E). Forward rows hold today's price against projected earnings, so the multiple compresses if the company grows into it.
| Year | Price | Rev Gr | EBITDA % | EBITDA | EV/EBITDA | EV/FCF | P/E | P/S |
|---|---|---|---|---|---|---|---|---|
| TTM | 19.55 | 0.0% | 23.8% | 8 | 0.0× | 0.0× | 0.0× | 0.0× |
EBITDA in reporting-currency $M. Historical multiples use year-end market cap (split-adjusted price history); TTM & forward years use today's.
Valuation & Metrics
Market Stats
Price$19.55
Market Cap$60M
Enterprise Value$37M
P/S Ratio1.8x
P/FCF11.2x
EV/FCF6.9x
FCF Margin (TTM)16.1%
FCF Yield9.0%
Dividend Yield (TTM)3.4%
Annual Dilution0.0%
CurrencyUSD
TTM Financial Snapshot
Revenue$33.3M
Net Income$5.9M
Free Cash Flow$5.4M
Revenue Growth (YoY)+0.0%
EBITDA Margin23.8%
Net Margin17.8%
FCF Margin16.1%
CapEx % of Revenue0.1%
SBC % of Revenue0.9%
ROIC22.6%
WC Change % Rev-0.3%
Interest Coverage0.7x
Forward Outlook & Risk
Short Interest
Short % of Float--
Short Shares0.0M
Days to Cover5.0
Change (vs Prior)+47.5%
Need at least 2 settlement dates for chart
Employees
Headcount78
Revenue / Employee$427,192
Gross Profit / Employee$287,359
Institutional Ownership
Headline & net flow
NEUTRAL
Net flow · —still filing
No float data — flow unavailable.
Ownership composition
Active
3.5%(-1.2% YoY)
7 filers
hedge / family / endowment
Retail funds
—
Fidelity, Schwab, 401(k)
Passive
2.5%(+1.4% YoY)
6 filers
Vanguard, iShares, SPDR
Market makers
0.0%(+0.0% YoY)
1 filers
Citadel, Susquehanna
Insiders
—
Form 4 — latest per insider
ActiveRetail fundsPassiveMarket makersRetail direct
Top holders
| Fund | $ value | Cost basis | Δ QoQ | Δ YoY | α life | Fund AUM |
|---|---|---|---|---|---|---|
| Stilwell Value LLC | $1.4M | $17.12 | +$0 | +$0 | -0.2% | $96.1M |
| VANGUARD CAPITAL MANAGEMENT LLCPassive | $712K | $17.18 | +$707K | +$712K | — | $4.04T |
| ALLIANCEBERNSTEIN L.P. | $659K | $12.95 | −$172K | −$1.2M | -0.3% | $307.70B |
| DIMENSIONAL FUND ADVISORS LPPassive | $251K | $15.34 | +$0 | +$4K | -0.4% | $480.92B |
| GEODE CAPITAL MANAGEMENT, LLCPassive | $246K | $11.73 | −$44K | −$33K | +2.3% | $1.61T |
| VANGUARD FIDUCIARY TRUST COPassive | $171K | $17.18 | +$170K | +$171K | — | $395.83B |
| BlackRock, Inc.Passive | $82K | $12.05 | −$4K | −$9K | -0.2% | $5.69T |
| Vanguard Global Advisers, LLCPassive | $14K | $17.18 | +$14K | +$14K | — | $186.48B |
| Steward Partners Investment Advisory, LLC | $10K | $17.12 | +$0 | +$0 | -0.2% | $19.55B |
| ACADIAN ASSET MANAGEMENT LLC | $6K | $17.12 | +$0 | +$0 | -0.5% | $70.48B |
| Tower Research Capital LLC (TRC)MM | $3K | $13.93 | −$0 | +$3K | -0.6% | $3.84B |
| MORGAN STANLEY | $0 | $15.09 | +$0 | +$0 | -0.3% | $1.65T |
| CITIGROUP INC | $0 | $15.09 | −$0 | +$0 | -0.3% | $156.55B |
| UBS Group AG | $0 | $14.94 | −$2K | −$0 | -0.3% | $562.11B |
Cost basis is a volume-weighted estimate from accumulation periods within our 13F history; holders who built their position before our window started will show a stale basis. % above the cost basis is the unrealized gain at the current price.
Trading behavior
Smart-money alpha (lifetime, %/qtr)NEUTRAL
Holders
-0.27%
avg per quarter
Holders (ex-self)
-0.21%
excl. this stock
Buyers (this Q)
+0.00%
3 buyers · $0.00B in
Sellers (this Q)
-0.28%
6 sellers · $0.00B out
alpha coverage: 75% of $ has a lifetime-alpha record
Holder behavior on this stocksource: stock
On big dips (−10%+)
-15.4%
how holders react when this stock falls
On quiet Qs
-4.5%
−10% to +10% baseline
On rallies (+10%+)
-14.0%
how they react when this stock rises
Holders' portfolio flow this Q
-6.9%
outflows — trims may be forced
Sellers' portfolio flow this Q
+3.3%
Sellers grew AUM elsewhere — opinionated cut of this stock.
▸ Compare to holder-profile behavior (across all their stocks)
Holder dip (any stock)
-1.2%
Holder mid (any stock)
-3.1%
Holder rally (any stock)
-2.2%
Biggest decreases this quarter
New buyers this quarter
Top-5 holders · 91.9%
Stilwell Value LLC--
VANGUARD CAPITAL MANAGEMENT LLC--
ALLIANCEBERNSTEIN L.P.--
DIMENSIONAL FUND ADVISORS LP--
GEODE CAPITAL MANAGEMENT, LLC--
Top Holders Over Time
5-year share-count history (top 10 holders by peak, incl. exited) + price
hover the chart for per-quarter detailprice (right axis)
LEVEL FOUR ADVISORY SERVICES, LLC—FJ Capital Management LLC—Stilwell Value LLC80KALLIANCEBERNSTEIN L.P.37KOppenheimer & Close, LLC—SEIZERT CAPITAL PARTNERS, LLC—BEESE FULMER INVESTMENT MANAGEMENT, INC.—NewEdge Advisors, LLC—UBS Group AG1ADVISOR GROUP HOLDINGS, INC.—
Corporate
Insider Trading (last 12mo)
Open-market only (Form 4 P-Purchase + S-Sale). Excludes grants, option exercises, tax withholding, gifts.
Officers & directors
Buys ($, 12mo)
$0
0 txns · 0 insiders · 0 sh
Sells ($, 12mo)
$111K
1 txn · 1 insider · 8,200 sh
Recent transactions
| Date | Side | Insider | Title | Shares | Price | Dollars | Owned $ |
|---|---|---|---|---|---|---|---|
| 2025-09-17 | SELL | TRAWICK THOMAS STEEN JR | director | 8,200 | $13.50 | $111K | $197K |
Order Flow (FINRA, ~3w lag)
13.9%retail-20.5pp
20.1%dark+8.8pp
week of 2026-04-13
Off-exchange volume from FINRA. Retail = non-ATS (wholesaler PFOF + broker internalization). Dark = ATS (dark-pool crossing networks, institutional). Lit-exchange = remainder.
Filing Risk Analysis
Filing Risk Scores
HOME FEDERAL BANCORP: Regional Stability Masking Land-Heavy Loan Growth and HTM Valuation Gaps
Overall Risk
4/10
Fraud
2/10
Dilution
2/10
Insolvency
3/10
Earnings Overstated
4/10
Hidden Liabilities
3/10
Legal
2/10
Audit Warnings
3/10
Hidden Upside
5/10
Contextually Acceptable
7/10