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1. Company Snapshot

1.a. Company Description

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; construction loans; home equity and second mortgage loans; equity lines of credit; and consumer non-real estate loans, including loans secured by deposit accounts, automobile loans, overdrafts, and other unsecured loans.As of August 25, 2021, it operated seven full-service banking offices.The company was founded in 1924 and is based in Shreveport, Louisiana.

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1.b. Last Insights on HFBL

Home Federal Bancorp, Inc. of Louisiana's recent performance was driven by a significant increase in net income, which rose to $1.599 million for the three months ended September 30, 2025, from $941,000 in the same period last year. Earnings per share also saw a substantial boost, reaching $0.53 and $0.52 on a basic and diluted basis, respectively. Additionally, the company's Board of Directors declared a quarterly cash dividend of $0.135 per share, payable on November 10, 2025. A stock repurchase program was also approved, which is expected to have a positive impact on shareholders by reducing the number of outstanding shares.

1.c. Company Highlights

2. Transcript Summary

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3. NewsRoom

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HOME FEDERAL BANCORP, INC. OF LOUISIANA REPORTS RESULTS OF OPERATIONS FOR THE THREE MONTHS ENDED SEPTEMBER 30, 2025

Oct -23

Source: globenewswire.com

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Home Federal Bancorp, Inc. of Louisiana Declares Quarterly Cash Dividend and Announces Approval of Stock Repurchase Program

Oct -15

Source: globenewswire.com

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Home Federal (HFBL) Q2 EPS Jumps 81%

Jul -30

Source: fool.com

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Home Federal Bancorp, Inc. of Louisiana Reports Results of Operations for the Three Months and Year Ended June 30, 2025

Jul -29

Source: globenewswire.com

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Home Federal Bancorp, Inc. of Louisiana Increases Quarterly Cash Dividend for 12th Consecutive Year

Jul -23

Source: globenewswire.com

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HOME FEDERAL BANCORP, INC. OF LOUISIANA REPORTS RESULTS OF OPERATIONS FOR THE THREE AND NINE MONTHS ENDED MARCH 31, 2025

May -01

Source: globenewswire.com

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Home Federal Bancorp, Inc. of Louisiana Declares Quarterly Cash Dividend

Apr -16

Source: globenewswire.com

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Home Federal Bancorp, Inc. of Louisiana Reports Results of Operations for the Three and Six Months Ended December 31, 2024

Jan -30

Source: globenewswire.com

4. Business Breakdown

4.a. Revenues by Country

4.b. Revenues by Segment

5. Expected revenues mid-term growth (4.50%)

6. Segments

Banking and Related Activities

Expected Growth: 4.5%

Growing demand for convenient financial services, increasing adoption of digital banking, and strategic expansion into new markets drive Home Federal Bancorp's growth.

7. Detailed Products

Personal Banking

Home Federal Bancorp, Inc. of Louisiana offers a range of personal banking services, including checking and savings accounts, credit cards, personal loans, and mortgages.

Business Banking

The company provides business banking services, including commercial loans, lines of credit, and cash management solutions, to help businesses grow and succeed.

Mortgage Lending

Home Federal Bancorp, Inc. of Louisiana offers a variety of mortgage loan options, including fixed-rate and adjustable-rate mortgages, to help individuals and families achieve homeownership.

Investment Services

The company provides investment services, including brokerage services, retirement accounts, and wealth management, to help individuals and businesses achieve their investment goals.

Online Banking

Home Federal Bancorp, Inc. of Louisiana offers online banking services, including bill pay, fund transfers, and account management, to provide customers with convenient access to their accounts.

Mobile Banking

The company provides mobile banking services, including mobile deposit, account management, and bill pay, to provide customers with on-the-go access to their accounts.

8. Home Federal Bancorp, Inc. of Louisiana's Porter Forces

Forces Ranking

Threat Of Substitutes

Home Federal Bancorp, Inc. of Louisiana operates in a niche market, providing financial services to individuals and small businesses in Louisiana. While there are some substitutes available, such as online banking and fintech companies, the company's strong local presence and personalized service mitigate the threat of substitutes.

Bargaining Power Of Customers

Home Federal Bancorp, Inc. of Louisiana's customers are primarily individuals and small businesses, who have limited bargaining power due to their small size and lack of negotiating power.

Bargaining Power Of Suppliers

Home Federal Bancorp, Inc. of Louisiana's suppliers are primarily large financial institutions and technology providers, who have limited bargaining power due to the company's small size and lack of dependence on a single supplier.

Threat Of New Entrants

The banking industry is heavily regulated, and new entrants would face significant barriers to entry, including obtaining regulatory approvals and building a customer base.

Intensity Of Rivalry

Home Federal Bancorp, Inc. of Louisiana operates in a competitive market, with several other community banks and credit unions operating in Louisiana. However, the company's strong local presence and personalized service help to differentiate it from its competitors.

9. SWOT Analysis

Strength

Weaknesses

Opportunities

Threats

10. Capital Structure

10.a. Balance Sheet

10.b. Weighted Average Cost of capital

Value
Debt Weight 25.31%
Debt Cost 6.43%
Equity Weight 74.69%
Equity Cost 6.43%
WACC 6.43%
Leverage 33.89%

11. Quality Control: Home Federal Bancorp, Inc. of Louisiana passed 4 out of 9 key points

12.a Historical Valuation

12.b Price/Earnings Ratio

12.c Margin Valuation

12.d Peers Valuation

Peers Group Analysis

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Growth: 4.8

Quality: 5.0

Yield: 9.0

Momentum: 8.5

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Home Federal Bancorp of Louisiana

A-Score: 6.7/10

Value: 7.4

Growth: 6.1

Quality: 7.4

Yield: 6.0

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Growth: 3.1

Quality: 4.1

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Peers Metrics

12.e Scoring Insights

12.f DCF BETA

Parameters

Short Term Growth

Short term Time

Long-Term Growth

WACC

Target Price

15.62$

Current Price

15.62$

Potential

-0.00%

Expected Cash-Flows