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Upturn AI SWOT - About
HFBL 
Home Federal Bancorp Louisiana (HFBL)
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Upturn Advisory Summary
09/11/2025: HFBL (1-star) is currently NOT-A-BUY. Pass it for now.
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 -39.3% | Avg. Invested days 28 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/11/2025 |
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. Originally a building and loan association, it converted to a federal savings and loan association in 1935. The company provides community banking services in northwest Louisiana.
Core Business Areas
- Retail Banking: Offers a range of deposit accounts, including checking, savings, money market, and certificates of deposit.
- Loan Services: Provides residential mortgage loans, commercial real estate loans, commercial loans, and consumer loans.
Leadership and Structure
The company is led by a board of directors and executive management team. Key executives include the CEO, CFO, and Chief Lending Officer.
Top Products and Market Share
Key Offerings
- Residential Mortgage Loans: Offerings include fixed-rate and adjustable-rate mortgages. Market share data is not publicly available. Competitors include large national banks like Wells Fargo and Chase, as well as other regional banks.
- Commercial Real Estate Loans: Financing for commercial properties. Market share data is not publicly available. Competitors include regional and national banks, and credit unions.
- Deposit Accounts: Checking, Savings, Money Market and CD accounts for retail customers. Market share data is not publicly available. Competitors include other local and national banks.
Market Dynamics
Industry Overview
The banking industry is currently navigating interest rate volatility, regulatory changes, and increasing competition from fintech companies.
Positioning
Home Federal Bancorp Louisiana is a community bank focused on serving the northwest Louisiana market. Its competitive advantages include local expertise and personalized service.
Total Addressable Market (TAM)
TAM for banking services in northwest Louisiana is estimated to be in the billions of dollars. Home Federal Bancorp Louisiana is positioned to capture a portion of this market through its community focus.
Upturn SWOT Analysis
Strengths
- Strong community relationships
- Experienced management team
- Solid capital base
- Local market knowledge
Weaknesses
- Limited geographic footprint
- Smaller scale compared to national banks
- Reliance on traditional banking model
Opportunities
- Expand into new markets within Louisiana
- Develop new digital banking services
- Increase market share through targeted marketing
- Acquire smaller community banks
Threats
- Increased competition from larger banks and credit unions
- Rising interest rates
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- WFC
- BAC
- C
- USB
Competitive Landscape
Home Federal Bancorp Louisiana faces competition from larger national banks and regional players. Its advantage lies in its local focus and personalized service, but it needs to invest in technology to compete effectively.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends would require analysis of past financial statements.
Future Projections: Future growth projections require analyst estimates, which are not readily available without subscription services.
Recent Initiatives: Recent initiatives may include investments in digital banking or expansion into new markets.
Summary
Home Federal Bancorp Louisiana is a community-focused bank with strong local ties. It benefits from an experienced management team and solid capital base. However, its smaller size and limited geographic footprint pose challenges. The company needs to invest in technology and explore new growth opportunities to remain competitive.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings (where publicly available)
- Industry Reports
Disclaimers:
This analysis is based on publicly available information and does not constitute financial advice. Market share data is estimated and may not be precise.
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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