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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 0.32
HFBL's Cash to Debt is ranked lower than
76% of the 972 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.45 vs. HFBL: 0.32 )
Ranked among companies with meaningful Cash to Debt only.
HFBL' s 10-Year Cash to Debt Range
Min: 0.07   Max: 2
Current: 0.32

0.07
2
Equity to Asset 0.12
HFBL's Equity to Asset is ranked higher than
65% of the 1285 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. HFBL: 0.12 )
Ranked among companies with meaningful Equity to Asset only.
HFBL' s 10-Year Equity to Asset Range
Min: 0.12   Max: 0.27
Current: 0.12

0.12
0.27
Interest Coverage 1.74
HFBL's Interest Coverage is ranked higher than
51% of the 1197 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.68 vs. HFBL: 1.74 )
Ranked among companies with meaningful Interest Coverage only.
HFBL' s 10-Year Interest Coverage Range
Min: 0.2   Max: 1.84
Current: 1.74

0.2
1.84
F-Score: 5
Z-Score: 0.23
WACC vs ROIC
6.17%
4.74%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 8/10

vs
industry
vs
history
Operating margin (%) 32.96
HFBL's Operating margin (%) is ranked higher than
59% of the 1348 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 29.14 vs. HFBL: 32.96 )
Ranked among companies with meaningful Operating margin (%) only.
HFBL' s 10-Year Operating margin (%) Range
Min: -3.87   Max: 38.06
Current: 32.96

-3.87
38.06
Net-margin (%) 22.07
HFBL's Net-margin (%) is ranked higher than
53% of the 1348 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.21 vs. HFBL: 22.07 )
Ranked among companies with meaningful Net-margin (%) only.
HFBL' s 10-Year Net-margin (%) Range
Min: -2.54   Max: 24.85
Current: 22.07

-2.54
24.85
ROE (%) 7.60
HFBL's ROE (%) is ranked lower than
53% of the 1345 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.23 vs. HFBL: 7.60 )
Ranked among companies with meaningful ROE (%) only.
HFBL' s 10-Year ROE (%) Range
Min: -0.29   Max: 6.81
Current: 7.6

-0.29
6.81
ROA (%) 0.98
HFBL's ROA (%) is ranked higher than
62% of the 1352 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.81 vs. HFBL: 0.98 )
Ranked among companies with meaningful ROA (%) only.
HFBL' s 10-Year ROA (%) Range
Min: -0.06   Max: 1.09
Current: 0.98

-0.06
1.09
ROC (Joel Greenblatt) (%) 52.15
HFBL's ROC (Joel Greenblatt) (%) is ranked lower than
61% of the 1334 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 75.42 vs. HFBL: 52.15 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
HFBL' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -13.87   Max: 496
Current: 52.15

-13.87
496
Revenue Growth (3Y)(%) 22.80
HFBL's Revenue Growth (3Y)(%) is ranked higher than
93% of the 1133 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.70 vs. HFBL: 22.80 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
HFBL' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0.3   Max: 53.7
Current: 22.8

0.3
53.7
EBITDA Growth (3Y)(%) 25.20
HFBL's EBITDA Growth (3Y)(%) is ranked higher than
85% of the 986 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.40 vs. HFBL: 25.20 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
HFBL' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -5.7   Max: 78.6
Current: 25.2

-5.7
78.6
EPS Growth (3Y)(%) 24.40
HFBL's EPS Growth (3Y)(%) is ranked higher than
78% of the 1002 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.10 vs. HFBL: 24.40 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
HFBL' s 10-Year EPS Growth (3Y)(%) Range
Min: -5.6   Max: 84.8
Current: 24.4

-5.6
84.8
» HFBL's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

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Ratios

vs
industry
vs
history
P/E(ttm) 12.50
HFBL's P/E(ttm) is ranked higher than
61% of the 1436 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.10 vs. HFBL: 12.50 )
Ranked among companies with meaningful P/E(ttm) only.
HFBL' s 10-Year P/E(ttm) Range
Min: 12.12   Max: 888.89
Current: 12.5

12.12
888.89
Forward P/E 11.45
HFBL's Forward P/E is ranked higher than
56% of the 1316 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.14 vs. HFBL: 11.45 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 12.50
HFBL's PE(NRI) is ranked higher than
61% of the 1210 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.10 vs. HFBL: 12.50 )
Ranked among companies with meaningful PE(NRI) only.
HFBL' s 10-Year PE(NRI) Range
Min: 12.11   Max: 800
Current: 12.5

12.11
800
P/B 1.00
HFBL's P/B is ranked higher than
60% of the 1634 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.10 vs. HFBL: 1.00 )
Ranked among companies with meaningful P/B only.
HFBL' s 10-Year P/B Range
Min: 0.6   Max: 1.29
Current: 1

0.6
1.29
P/S 2.80
HFBL's P/S is ranked higher than
52% of the 2101 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.90 vs. HFBL: 2.80 )
Ranked among companies with meaningful P/S only.
HFBL' s 10-Year P/S Range
Min: 2.69   Max: 49.25
Current: 2.8

2.69
49.25
POCF 63.87
HFBL's POCF is ranked lower than
96% of the 961 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.38 vs. HFBL: 63.87 )
Ranked among companies with meaningful POCF only.
HFBL' s 10-Year POCF Range
Min: 3.54   Max: 88.89
Current: 63.87

3.54
88.89
EV-to-EBIT 14.01
HFBL's EV-to-EBIT is ranked higher than
51% of the 1371 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.34 vs. HFBL: 14.01 )
Ranked among companies with meaningful EV-to-EBIT only.
HFBL' s 10-Year EV-to-EBIT Range
Min: -393.1   Max: 668.3
Current: 14.01

-393.1
668.3
PEG 0.23
HFBL's PEG is ranked higher than
96% of the 513 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.11 vs. HFBL: 0.23 )
Ranked among companies with meaningful PEG only.
HFBL' s 10-Year PEG Range
Min: 0.15   Max: 0.35
Current: 0.23

0.15
0.35
Shiller P/E 20.30
HFBL's Shiller P/E is ranked lower than
65% of the 1029 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 17.00 vs. HFBL: 20.30 )
Ranked among companies with meaningful Shiller P/E only.
HFBL' s 10-Year Shiller P/E Range
Min: 19.85   Max: 62.5
Current: 20.3

19.85
62.5
Days Sales Outstanding 23.55
HFBL's Days Sales Outstanding is ranked higher than
74% of the 771 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 34.67 vs. HFBL: 23.55 )
Ranked among companies with meaningful Days Sales Outstanding only.
HFBL' s 10-Year Days Sales Outstanding Range
Min: 20.18   Max: 62.07
Current: 23.55

20.18
62.07

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.40
HFBL's Dividend Yield is ranked lower than
78% of the 2101 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.50 vs. HFBL: 1.40 )
Ranked among companies with meaningful Dividend Yield only.
HFBL' s 10-Year Dividend Yield Range
Min: 0.51   Max: 4.1
Current: 1.4

0.51
4.1
Dividend Payout 0.17
HFBL's Dividend Payout is ranked higher than
80% of the 1297 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.32 vs. HFBL: 0.17 )
Ranked among companies with meaningful Dividend Payout only.
HFBL' s 10-Year Dividend Payout Range
Min: 0.17   Max: 2
Current: 0.17

0.17
2
Dividend growth (3y) 7.70
HFBL's Dividend growth (3y) is ranked higher than
52% of the 623 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.20 vs. HFBL: 7.70 )
Ranked among companies with meaningful Dividend growth (3y) only.
HFBL' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 7.7
Current: 7.7

0
7.7
Yield on cost (5-Year) 1.64
HFBL's Yield on cost (5-Year) is ranked lower than
76% of the 2099 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.00 vs. HFBL: 1.64 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
HFBL' s 10-Year Yield on cost (5-Year) Range
Min: 0.6   Max: 4.8
Current: 1.64

0.6
4.8
Share Buyback Rate 10.00
HFBL's Share Buyback Rate is ranked higher than
93% of the 917 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.40 vs. HFBL: 10.00 )
Ranked among companies with meaningful Share Buyback Rate only.
HFBL' s 10-Year Share Buyback Rate Range
Min: 10   Max: 0.8
Current: 10

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.00
HFBL's Price/Tangible Book is ranked higher than
67% of the 1633 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.30 vs. HFBL: 1.00 )
Ranked among companies with meaningful Price/Tangible Book only.
HFBL' s 10-Year Price/Tangible Book Range
Min: 0.66   Max: 1.2
Current: 1

0.66
1.2
Price/DCF (Projected) 2.00
HFBL's Price/DCF (Projected) is ranked lower than
88% of the 956 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.70 vs. HFBL: 2.00 )
Ranked among companies with meaningful Price/DCF (Projected) only.
HFBL' s 10-Year Price/DCF (Projected) Range
Min: 0.74   Max: 3.38
Current: 2

0.74
3.38
Price/Median PS Value 0.60
HFBL's Price/Median PS Value is ranked higher than
95% of the 1616 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.10 vs. HFBL: 0.60 )
Ranked among companies with meaningful Price/Median PS Value only.
HFBL' s 10-Year Price/Median PS Value Range
Min: 0.59   Max: 10.77
Current: 0.6

0.59
10.77
Price/Peter Lynch Fair Value 0.50
HFBL's Price/Peter Lynch Fair Value is ranked higher than
85% of the 472 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.20 vs. HFBL: 0.50 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
HFBL' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.48   Max: 6.64
Current: 0.5

0.48
6.64
Price/Graham Number 0.70
HFBL's Price/Graham Number is ranked higher than
71% of the 1425 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.90 vs. HFBL: 0.70 )
Ranked among companies with meaningful Price/Graham Number only.
HFBL' s 10-Year Price/Graham Number Range
Min: 0.73   Max: 3.11
Current: 0.7

0.73
3.11
Earnings Yield (Greenblatt) 7.10
HFBL's Earnings Yield (Greenblatt) is ranked higher than
54% of the 1505 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.80 vs. HFBL: 7.10 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) only.
HFBL' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.1   Max: 12.1
Current: 7.1

0.1
12.1
Forward Rate of Return (Yacktman) 36.46
HFBL's Forward Rate of Return (Yacktman) is ranked higher than
79% of the 761 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.69 vs. HFBL: 36.46 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) only.
HFBL' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -7.7   Max: 86.4
Current: 36.46

-7.7
86.4

Analyst Estimate

Jun15
EPS($) 1.66
EPS without NRI($) 1.66

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare: » details
Home Federal Bancorp Inc of Louisiana is a holding company for Home Federal Savings and Loan Association. The Bank is a federally chartered, stock savings and loan association and is subject to federal regulation by the Federal Deposit Insurance Corporation and the Office of Thrift Supervision. Services are provided by four branch offices, three of which are located in Shreveport, Louisiana and one in Bossier City, Louisiana, and one agency office located in Shreveport, Louisiana. The area served by the Bank is primarily the Shreveport-Bossier City metropolitan area; however, loan and deposit customers are found dispersed in a wider geographical area covering much of northwest Louisiana. The Bank also is subject to regulation and examination by the Federal Deposit Insurance Corporation. The Company also offers lines of credit secured by a borrower's equity in real estate which loans. Its mortgage-backed securities consist of Ginnie Mae securities (GNMA), Freddie Mac securities (FHLMC), and Fannie Mae securities (FNMA). Deposits The Company attracts deposits from residents of Louisiana and particularly from Caddo Parish and Bossier Parish. It accepts deposits in the form of passbook savings, NOW, money market accounts, certificates of deposit, and demand deposit accounts.
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