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Upturn AI SWOT - About
HFBL 
Home Federal Bancorp Louisiana (HFBL)
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Upturn Advisory Summary
10/10/2025: HFBL (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit -37.17% | Avg. Invested days 26 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/10/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 42.47M USD | Price to earnings Ratio 12.48 | 1Y Target Price - |
Price to earnings Ratio 12.48 | 1Y Target Price - | ||
Volume (30-day avg) - | Beta 0.33 | 52 Weeks Range 10.62 - 14.25 | Updated Date 06/29/2025 |
52 Weeks Range 10.62 - 14.25 | Updated Date 06/29/2025 | ||
Dividends yield (FY) 3.82% | Basic EPS (TTM) 1.09 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 16.71% | Operating Margin (TTM) 21.65% |
Management Effectiveness
Return on Assets (TTM) 0.53% | Return on Equity (TTM) 6.24% |
Valuation
Trailing PE 12.48 | Forward PE - | Enterprise Value 16061200 | Price to Sales(TTM) 2.12 |
Enterprise Value 16061200 | Price to Sales(TTM) 2.12 | ||
Enterprise Value to Revenue 2.35 | Enterprise Value to EBITDA - | Shares Outstanding 3122760 | Shares Floating 1676047 |
Shares Outstanding 3122760 | Shares Floating 1676047 | ||
Percent Insiders 42.04 | Percent Institutions 8.5 |
Upturn AI SWOT
Home Federal Bancorp Louisiana
Company Overview
History and Background
Home Federal Bancorp, Inc. of Louisiana was founded in 1924 as Home Building and Loan Association. It has grown organically, focusing on providing financial services to its local communities in Louisiana. It converted to a stock holding company in 2006 and continues to operate primarily through Home Federal Bank.
Core Business Areas
- Retail Banking: Offers a range of deposit accounts, including checking, savings, and money market accounts, as well as certificates of deposit (CDs). Services also include online and mobile banking.
- Residential Lending: Provides mortgage loans for home purchases, refinances, and home equity loans. This is a core revenue driver for the bank.
- Commercial Lending: Offers loans to businesses for various purposes, including real estate, equipment, and working capital.
Leadership and Structure
Home Federal Bancorp, Inc. of Louisiana is led by its Board of Directors and executive management team. The bank operates with a traditional hierarchical structure, with various departments responsible for different aspects of the business.
Top Products and Market Share
Key Offerings
- Mortgage Loans: Provides residential mortgage loans, capturing a portion of the Louisiana housing market. Market share data is limited, and competition includes larger national banks and mortgage companies such as JP Morgan Chase, Wells Fargo, and Bank of America.
- Deposit Accounts: Offers various deposit accounts, competing with other local and regional banks for customer deposits. Market share data for specific deposit products is not readily available. Competitors include Citizens National Bank, and regional credit unions.
- Commercial Loans: Offers commercial lending products to businesses in their region. Competitors are larger banks, and smaller private lenders
Market Dynamics
Industry Overview
The banking industry is currently facing a rising interest rate environment, increased regulatory scrutiny, and competition from fintech companies. Community banks like Home Federal Bancorp are focused on serving local markets and building relationships with customers.
Positioning
Home Federal Bancorp is positioned as a community bank focused on serving the financial needs of individuals and businesses in Louisiana. Its competitive advantage lies in its local presence, personalized service, and understanding of the local market.
Total Addressable Market (TAM)
TAM for banking services in Louisiana is estimated in the billions, considering total deposits, loans, and other financial services. Home Federal Bancorp's TAM is the population it serves. They are positioned to compete through local relationships and community investment.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Established customer relationships
- Experienced management team
- Community focus
Weaknesses
- Limited geographic diversification
- Smaller scale compared to larger banks
- Reliance on net interest income
- Limited tech investment
Opportunities
- Expansion into new markets within Louisiana
- Increased adoption of digital banking technologies
- Growth in commercial lending
- Acquisition of smaller banks or branches
Threats
- Rising interest rates
- Increased competition from larger banks and fintech companies
- Economic downturn in Louisiana
- Regulatory changes
Competitors and Market Share
Key Competitors
- WAL
- CADE
- BOKF
Competitive Landscape
HFBL operates in a competitive landscape with larger regional and national banks. Its local presence and community focus provide a competitive advantage, but it faces challenges from competitors with greater resources and broader product offerings.
Growth Trajectory and Initiatives
Historical Growth: Requires access to up-to-date financials to populate accurately.
Future Projections: Future performance is subject to economic conditions, market competition, and management strategies. Analyst estimates should be reviewed to gain informed projection.
Recent Initiatives: Lacking access to real time data, any recent initiatives would need to be gathered through recent new reports.
Summary
Home Federal Bancorp Louisiana is a community-focused bank with a strong local presence. Its reliance on traditional banking services and limited scale present challenges in a rapidly evolving financial landscape. Capitalizing on digital technologies and expanding into new markets could be critical for future growth. The bank should be looking out for market rates and larger financial institutions.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings (where available)
- Market Research Reports
- Industry Analysis
- Yahoo Finance
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is based on estimates and may not be precise. Financial data and analysis are subject to change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Home Federal Bancorp Louisiana
Exchange NASDAQ | Headquaters Shreveport, LA, United States | ||
IPO Launch date 2007-06-20 | Chairman, President & CEO Mr. James R. Barlow | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 78 | Website https://www.hfb.bank |
Full time employees 78 | Website https://www.hfb.bank | ||
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 in Louisiana. The company accepts various deposits, such as passbook savings, certificates of deposit, and demand deposit accounts; and offers debit cards. It also provides loans, including one-to-four family residential real estate, commercial real estate secured, multi-family residential, commercial business, land, construction, home equity and second mortgage, consumer non-real estate loans, as well as equity lines of credit. The company was founded in 1924 and is based in Shreveport, Louisiana.
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