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HFBL

Home Federal Bancorp, Inc. of Louisiana

Financial Services · $75M market cap

Verdict

Share price

$25.39

close of Oct 3, 2026

Fair value

$20.08

Sticker Price

Payback Price

$8.03

buy price

Overpriced

HFBL is Overpriced: at $25.39 it trades 26% above its fair value of $20.08. Its buy price (Payback Price) is $8.03, 68% below today's price. Business quality is limited: none of the 5 key numbers clears the 10% bar.

How we valued it

Justified P/B (Financials). A bank or insurer. These are best valued on their book value and how much they earn on it.

Business quality

0 of 5 clear the 10% bar. What are the Big Five?

Earnings per share growth6.9% a year✗
Equity per share growth6.5% a year✗
Sales growth7.4% a year✗
Free cash flow growth2.3% a year✗
Return on invested capital4.2%✗

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Insider activity

Since May 27, 2026: no open-market purchases and 3 other filings (stock awards, tax withholding and similar). Why purchases matter

Other filings

BARLOW JAMES R

Chairman, President & CEO*** · 2026-08-04

D-Return

$57K

WILHITE TIMOTHY W.

director · 2026-07-22

Option exercise

$36K

Lawrence Scott D

director · 2026-05-27

Option exercise

$21K

About Home Federal Bancorp, Inc. of Louisiana

Home Federal Bancorp, Inc. of Louisiana functions as the parent entity for Home Federal Bank, which delivers a comprehensive suite of financial solutions. These services are provided to a diverse clientele, including private individuals, businesses, and other institutional clients. The bank's deposit offerings encompass traditional savings accounts, certificates of deposit (CDs), and transactional checking accounts…

Banks - Regional

Fair value and Payback Price are estimates from the company's reported financials, not investment advice. Prices as of the close of Oct 3, 2026. How the Payback Price works