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Upturn AI SWOT - About
HFBL 
Home Federal Bancorp Louisiana (HFBL)
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Upturn Advisory Summary
06/16/2025: 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.
Number of Analysts
0 Analysts rated it
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Year Target Price $0
Year Target Price $0
| 0 | Strong Buy |
| 0 | Buy |
| 0 | Hold |
| 0 | Under performing |
| 0 | Sell |
Analysis of Past Performance
Type Stock | Historic Profit -21.99% | Avg. Invested days 25 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 06/16/2025 |
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 |
Analyst Ratings
Rating - | Target Price - | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Home Federal Bancorp Louisiana
Company Overview
History and Background
Home Federal Bancorp, Inc. of Louisiana was founded in 1924. It operates as the holding company for Home Federal Bank, a community-oriented bank. The bank has grown from a small savings and loan association to a full-service community bank.
Core Business Areas
- Retail Banking: Provides traditional banking services to individuals, including checking accounts, savings accounts, loans, and mortgages.
- Commercial Banking: Offers banking services to businesses, including commercial loans, lines of credit, and deposit accounts.
- Mortgage Lending: Originates and services mortgage loans for residential properties.
Leadership and Structure
The company is led by a board of directors and an executive management team. The organizational structure includes departments for retail banking, commercial lending, mortgage lending, and operations.
Top Products and Market Share
Key Offerings
- Mortgage Loans: Offers various mortgage loan products, including fixed-rate and adjustable-rate mortgages. Market share is concentrated in northern Louisiana. Competitors include national banks like Chase and Wells Fargo, as well as other regional banks and credit unions.
- Commercial Loans: Provides commercial loans and lines of credit to local businesses. Market share is focused on small to medium-sized businesses in its service area. Competitors include other local and regional banks.
- Deposit Accounts: Offers checking, savings, and money market accounts to individuals and businesses. Competitors include all banks and credit unions in the area.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing regulation, technological disruption, and competition from non-bank financial institutions.
Positioning
Home Federal Bancorp Louisiana positions itself as a community bank focused on providing personalized service and supporting local businesses. Its competitive advantages include its local presence and relationships.
Total Addressable Market (TAM)
The TAM includes all banking services within its geographic area. Home Federal Bancorp Louisiana captures a percentage through retail and commercial lending, which is a small percentage relative to large national competitors.
Upturn SWOT Analysis
Strengths
- Strong community relationships
- Local market expertise
- Personalized customer service
- Conservative lending practices
Weaknesses
- Limited geographic reach
- Smaller scale compared to larger banks
- Dependence on traditional banking products
- Lower technological investment compared to competitors
Opportunities
- Expanding into adjacent markets
- Developing new digital banking services
- Acquiring smaller community banks
- Growing commercial lending portfolio
Threats
- Increased competition from larger banks
- Rising interest rates
- Economic downturn
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- WAL
- BOH
- FHN
Competitive Landscape
Home Federal Bancorp Louisiana competes with larger regional and national banks, as well as other community banks. Its advantages include its local presence and personalized service. Its disadvantages include its smaller scale and limited resources.
Growth Trajectory and Initiatives
Historical Growth: Home Federal Bancorp Louisiana has experienced moderate growth in recent years, driven by organic loan growth and deposit gathering.
Future Projections: Analysts project continued moderate growth for Home Federal Bancorp Louisiana, driven by its strong local presence and conservative lending practices.
Recent Initiatives: Recent initiatives include investments in digital banking services and expansion into adjacent markets.
Summary
Home Federal Bancorp Louisiana is a community bank with a strong local presence and conservative lending practices. It faces increasing competition from larger banks and needs to invest in digital banking services to remain competitive. The company has been growing and showing positive revenue. The current landscape requires Home Federal Bancorp Louisiana to ensure it is moving toward a digital first strategy.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Analyst Reports
Disclaimers:
This analysis is based on publicly available information and should not be considered financial advice.
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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