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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 0.09
HFBL's Cash to Debt is ranked higher than
51% of the 1549 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.49 vs. HFBL: 0.09 )
HFBL' s 10-Year Cash to Debt Range
Min: 0.07   Max: No Debt
Current: 0.09

Equity to Asset 0.13
HFBL's Equity to Asset is ranked higher than
85% of the 1958 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.09 vs. HFBL: 0.13 )
HFBL' s 10-Year Equity to Asset Range
Min: 0.13   Max: 0.27
Current: 0.13

0.13
0.27
Interest Coverage 1.74
HFBL's Interest Coverage is ranked higher than
74% of the 1803 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.27 vs. HFBL: 1.74 )
HFBL' s 10-Year Interest Coverage Range
Min: 0.2   Max: 1.84
Current: 1.74

0.2
1.84
F-Score: 3
Z-Score: 0.19
WACC vs ROIC
4.88%
4.82%
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 (%) 32.46
HFBL's Operating margin (%) is ranked higher than
79% of the 1983 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 29.82 vs. HFBL: 32.46 )
HFBL' s 10-Year Operating margin (%) Range
Min: -3.87   Max: 38.06
Current: 32.46

-3.87
38.06
Net-margin (%) 21.78
HFBL's Net-margin (%) is ranked higher than
75% of the 1983 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.87 vs. HFBL: 21.78 )
HFBL' s 10-Year Net-margin (%) Range
Min: -2.54   Max: 24.85
Current: 21.78

-2.54
24.85
ROE (%) 7.18
HFBL's ROE (%) is ranked higher than
70% of the 1993 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.74 vs. HFBL: 7.18 )
HFBL' s 10-Year ROE (%) Range
Min: -0.29   Max: 6.81
Current: 7.18

-0.29
6.81
ROA (%) 0.96
HFBL's ROA (%) is ranked higher than
81% of the 1995 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.80 vs. HFBL: 0.96 )
HFBL' s 10-Year ROA (%) Range
Min: -0.06   Max: 1.09
Current: 0.96

-0.06
1.09
ROC (Joel Greenblatt) (%) 65.84
HFBL's ROC (Joel Greenblatt) (%) is ranked higher than
73% of the 1957 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 77.19 vs. HFBL: 65.84 )
HFBL' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -13.87   Max: 496
Current: 65.84

-13.87
496
Revenue Growth (3Y)(%) 22.80
HFBL's Revenue Growth (3Y)(%) is ranked higher than
97% of the 1650 Companies
in the Global Savings & Cooperative Banks industry.

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

0.3
53.7
EBITDA Growth (3Y)(%) 22.30
HFBL's EBITDA Growth (3Y)(%) is ranked higher than
91% of the 1492 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.10 vs. HFBL: 22.30 )
HFBL' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -5.7   Max: 78.6
Current: 22.3

-5.7
78.6
EPS Growth (3Y)(%) 24.40
HFBL's EPS Growth (3Y)(%) is ranked higher than
90% of the 1539 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.90 vs. HFBL: 24.40 )
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) 13.00
HFBL's P/E(ttm) is ranked higher than
84% of the 2664 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 17.80 vs. HFBL: 13.00 )
HFBL' s 10-Year P/E(ttm) Range
Min: 12.97   Max: 888.89
Current: 13

12.97
888.89
Forward P/E 11.45
HFBL's Forward P/E is ranked higher than
86% of the 2664 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 16.98 vs. HFBL: 11.45 )
N/A
PE(NRI) 13.00
HFBL's PE(NRI) is ranked higher than
84% of the 2664 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 17.80 vs. HFBL: 13.00 )
HFBL' s 10-Year PE(NRI) Range
Min: 12.97   Max: 800
Current: 13

12.97
800
P/B 0.98
HFBL's P/B is ranked higher than
84% of the 2664 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.38 vs. HFBL: 0.98 )
HFBL' s 10-Year P/B Range
Min: 0.6   Max: 1.25
Current: 0.98

0.6
1.25
P/S 2.85
HFBL's P/S is ranked higher than
80% of the 2664 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.72 vs. HFBL: 2.85 )
HFBL' s 10-Year P/S Range
Min: 2.75   Max: 49.25
Current: 2.85

2.75
49.25
EV-to-EBIT 19.12
HFBL's EV-to-EBIT is ranked higher than
72% of the 2664 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 19.77 vs. HFBL: 19.12 )
HFBL' s 10-Year EV-to-EBIT Range
Min: -393.1   Max: 668.3
Current: 19.12

-393.1
668.3
PEG 0.30
HFBL's PEG is ranked higher than
98% of the 2664 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. HFBL: 0.30 )
HFBL' s 10-Year PEG Range
Min: 0.15   Max: 0.31
Current: 0.3

0.15
0.31
Shiller P/E 21.14
HFBL's Shiller P/E is ranked higher than
84% of the 2664 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. HFBL: 21.14 )
HFBL' s 10-Year Shiller P/E Range
Min: 21.1   Max: 62.5
Current: 21.14

21.1
62.5
Days Sales Outstanding 25.78
HFBL's Days Sales Outstanding is ranked higher than
92% of the 2664 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. HFBL: 25.78 )
HFBL' s 10-Year Days Sales Outstanding Range
Min: 20.18   Max: 62.07
Current: 25.78

20.18
62.07

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.41
HFBL's Dividend Yield is ranked lower than
70% of the 1894 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.35 vs. HFBL: 1.41 )
HFBL' s 10-Year Dividend Yield Range
Min: 0.51   Max: 4.1
Current: 1.41

0.51
4.1
Dividend Payout 0.23
HFBL's Dividend Payout is ranked higher than
83% of the 2664 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.60 vs. HFBL: 0.23 )
HFBL' s 10-Year Dividend Payout Range
Min: 0.17   Max: 2
Current: 0.23

0.17
2
Dividend growth (3y) 7.70
HFBL's Dividend growth (3y) is ranked higher than
81% of the 1121 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.10 vs. HFBL: 7.70 )
HFBL' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 7.7
Current: 7.7

0
7.7
Yield on cost (5-Year) 1.75
HFBL's Yield on cost (5-Year) is ranked lower than
65% of the 1907 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.62 vs. HFBL: 1.75 )
HFBL' s 10-Year Yield on cost (5-Year) Range
Min: 0.64   Max: 5.13
Current: 1.75

0.64
5.13
Share Buyback Rate 10.00
HFBL's Share Buyback Rate is ranked higher than
97% of the 1443 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.60 vs. HFBL: 10.00 )
HFBL' s 10-Year Share Buyback Rate Range
Min: 10   Max: 0.8
Current: 10

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.97
HFBL's Price/Tangible Book is ranked higher than
87% of the 2664 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.65 vs. HFBL: 0.97 )
HFBL' s 10-Year Price/Tangible Book Range
Min: 0.66   Max: 1.2
Current: 0.97

0.66
1.2
Price/DCF (Projected) 2.47
HFBL's Price/DCF (Projected) is ranked higher than
74% of the 2664 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.61 vs. HFBL: 2.47 )
HFBL' s 10-Year Price/DCF (Projected) Range
Min: 0.74   Max: 3.38
Current: 2.47

0.74
3.38
Price/Median PS Value 0.59
HFBL's Price/Median PS Value is ranked higher than
98% of the 2664 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.22 vs. HFBL: 0.59 )
HFBL' s 10-Year Price/Median PS Value Range
Min: 0.58   Max: 10.1
Current: 0.59

0.58
10.1
Price/Peter Lynch Fair Value 0.52
HFBL's Price/Peter Lynch Fair Value is ranked higher than
98% of the 2664 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. HFBL: 0.52 )
HFBL' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.53   Max: 6.64
Current: 0.52

0.53
6.64
Price/Graham Number 0.78
HFBL's Price/Graham Number is ranked higher than
86% of the 2664 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.16 vs. HFBL: 0.78 )
HFBL' s 10-Year Price/Graham Number Range
Min: 0.75   Max: 3.11
Current: 0.78

0.75
3.11
Earnings Yield (Greenblatt) 5.20
HFBL's Earnings Yield (Greenblatt) is ranked higher than
67% of the 1969 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.70 vs. HFBL: 5.20 )
HFBL' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.1   Max: 12.1
Current: 5.2

0.1
12.1
Forward Rate of Return (Yacktman) 43.20
HFBL's Forward Rate of Return (Yacktman) is ranked higher than
90% of the 1229 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.86 vs. HFBL: 43.20 )
HFBL' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -7.7   Max: 86.4
Current: 43.2

-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 to its customers by three offices, all of which are located in the City of 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. It faces significant competition both in attracting deposits and in making loans. Home Federal Savings and Loan Association, as a federally chartered savings and loan association, is subject to federal regulation and oversight by the Office of Thrift Supervision extending to all aspects of its operations. 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. Investment Portfolio As of June 30, 2009, the company's investment portfolio included mortgage-backed securities; corporate securities; and FHLB stock. Its mortgage-backed securities consist of Ginnie Mae securities (GNMA), Freddie Mac securities (FHLMC), and Fannie Mae securities (FNMA). Deposits The company attracts deposits principally 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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