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17.37 (1y: +23%)
Market Cap 40.85 M P/E(ttm) 13.50
Enterprise Value 71.1 M P/B 0.80
HFBL- NAS (USA)
Home Federal Bancorp Inc of louisiana
Not Rated
Top Ranked Predictable Companies
$17.37
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GuruFocus Financial Strength Rank measures how strong a companyย’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 : 5/10

vs
industry		 vs
history
Cash to Debt 1.485
HFBL's Cash to Debt is ranked higher than
77% of the 1621 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.42 vs. HFBL: 1.485 )
HFBL' s 10-Year Cash to Debt Range
Min: 0.27   Max: 1.49
Current: 1.49
0.27
1.49
Equity to Asset 0.168
HFBL's Equity to Asset is ranked higher than
88% of the 1621 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.09 vs. HFBL: 0.168 )
HFBL' s 10-Year Equity to Asset Range
Min: 0.17   Max: 0.29
Current: 0.17
0.17
0.29
Interest Coverage No Debt
HFBL's Interest Coverage is ranked higher than
67% of the 1621 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10000.00 vs. HFBL: No Debt )
HFBL' s 10-Year Interest Coverage Range
Min: No Debt   Max: No Debt
Current: No Debt
F-Score: 5
Z-Score: 0.46
GuruFocus Profitability Rank ranks how profitable a company is and how likely the companyย’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.
ย•ย•3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rankย•

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 : 7/10

vs
industry		 vs
history
Operating margin (%) 30.50
HFBL's Operating margin (%) is ranked higher than
77% of the 1621 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.80 vs. HFBL: 30.50 )
HFBL' s 10-Year Operating margin (%) Range
Min: -3.9   Max: 38.1
Current: 30.5
-3.9
38.1
Net-margin (%) 21.9
HFBL's Net-margin (%) is ranked higher than
78% of the 1621 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.70 vs. HFBL: 21.9 )
HFBL' s 10-Year Net-margin (%) Range
Min: -2.5   Max: 24.8
Current: 21.9
-2.5
24.8
ROE (%) 5.7
HFBL's ROE (%) is ranked higher than
67% of the 1621 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.20 vs. HFBL: 5.7 )
HFBL' s 10-Year ROE (%) Range
Min: -0.3   Max: 5.7
Current: 5.7
-0.3
5.7
ROA (%) 1
HFBL's ROA (%) is ranked higher than
82% of the 1621 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.50 vs. HFBL: 1 )
HFBL' s 10-Year ROA (%) Range
Min: -0.1   Max: 1
Current: 1
-0.1
1
Revenue Growth (%) 38
HFBL's Revenue Growth (%) is ranked higher than
99% of the 1621 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. HFBL: 38 )
HFBL' s 10-Year Revenue Growth (%) Range
Min: 0.3   Max: 38
Current: 38
0.3
38
EBITDA Growth (%) 54.5
HFBL's EBITDA Growth (%) is ranked higher than
98% of the 1621 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. HFBL: 54.5 )
HFBL' s 10-Year EBITDA Growth (%) Range
Min: -3.5   Max: 54.5
Current: 54.5
-3.5
54.5
EPS Growth (%) 58.5
HFBL's EPS Growth (%) is ranked higher than
98% of the 1621 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. HFBL: 58.5 )
HFBL' s 10-Year EPS Growth (%) Range
Min: -4.2   Max: 58.5
Current: 58.5
-4.2
58.5
ยป HFBL's 10-Y Financials

Financials


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

» Details

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ยป Financial Charts

Peter Lynch Chart

Ratios

vs
industry		 vs
history
P/E(ttm) 13.50
HFBL's P/E(ttm) is ranked higher than
62% of the 1248 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.60 vs. HFBL: 13.50 )
HFBL' s 10-Year P/E(ttm) Range
Min: 13.39   Max: 128.57
Current: 13.5
13.39
128.57
P/B 0.80
HFBL's P/B is ranked higher than
74% of the 1347 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.97 vs. HFBL: 0.80 )
HFBL' s 10-Year P/B Range
Min: 0.58   Max: 1.25
Current: 0.8
0.58
1.25
P/S 3.36
HFBL's P/S is ranked higher than
51% of the 1433 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.33 vs. HFBL: 3.36 )
HFBL' s 10-Year P/S Range
Min: 3.12   Max: 10.71
Current: 3.36
3.12
10.71
PFCF 4.20
HFBL's PFCF is ranked higher than
74% of the 1087 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.38 vs. HFBL: 4.20 )
HFBL' s 10-Year PFCF Range
Min: 4.12   Max: 1030
Current: 4.2
4.12
1030
EV-to-EBIT 14.9
HFBL's EV-to-EBIT is ranked higher than
64% of the 1102 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.26 vs. HFBL: 14.9 )
HFBL' s 10-Year EV-to-EBIT Range
Min: 7.1   Max: 595.6
Current: 14.9
7.1
595.6
PEG 0.2
HFBL's PEG is ranked higher than
94% of the 491 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.79 vs. HFBL: 0.2 )
HFBL' s 10-Year PEG Range
Min: 0   Max: 18.47
Current: 0.2
0
18.47
Shiller P/E 32.1
HFBL's Shiller P/E is ranked lower than
100% of the Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: vs. HFBL: 32.1 )
HFBL' s 10-Year Shiller P/E Range
Min: 31.76   Max: 57.83
Current: 32.1
31.76
57.83

Dividend & Buy Back

vs
industry		 vs
history
Dividend Yield 1.44
HFBL's Dividend Yield is ranked lower than
54% of the 1621 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.69 vs. HFBL: 1.44 )
HFBL' s 10-Year Dividend Yield Range
Min: 0.51   Max: 4.1
Current: 1.44
0.51
4.1
Dividend Payout 0.2075
HFBL's Dividend Payout is ranked higher than
80% of the 951 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.30 vs. HFBL: 0.2075 )
HFBL' s 10-Year Dividend Payout Range
Min: 0.24   Max: 1.52
Current: 0.21
0.24
1.52
Yield on cost (5-Year) 1.40
HFBL's Yield on cost (5-Year) is ranked higher than
54% of the 1621 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.26 vs. HFBL: 1.40 )
HFBL' s 10-Year Yield on cost (5-Year) Range
Min: 0.51   Max: 4.1
Current: 1.4
0.51
4.1
Share Buyback Rate 3.6
HFBL's Share Buyback Rate is ranked higher than
98% of the 1621 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -0.20 vs. HFBL: 3.6 )
HFBL' s 10-Year Share Buyback Rate Range
Min: 7.1   Max: 0.7
Current: 3.6

Valuation & Return

vs
industry		 vs
history
Price/Tangible Book 0.8
HFBL's Price/Tangible Book is ranked higher than
85% of the 1191 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.10 vs. HFBL: 0.8 )
HFBL' s 10-Year Price/Tangible Book Range
Min: 0.7   Max: 1.2
Current: 0.8
0.7
1.2
Price/DCF (Projected) 1.5
HFBL's Price/DCF (Projected) is ranked lower than
74% of the 679 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.60 vs. HFBL: 1.5 )
HFBL' s 10-Year Price/DCF (Projected) Range
Min: 1.5   Max: 2.8
Current: 1.5
1.5
2.8
Price/Median PS Value 0.5
HFBL's Price/Median PS Value is ranked higher than
93% of the 1268 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.00 vs. HFBL: 0.5 )
HFBL' s 10-Year Price/Median PS Value Range
Min: 0.5   Max: 1.7
Current: 0.5
0.5
1.7
Price/Graham Number 0.9
HFBL's Price/Graham Number is ranked higher than
66% of the 1094 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.80 vs. HFBL: 0.9 )
HFBL' s 10-Year Price/Graham Number Range
Min: 0.7   Max: 1.8
Current: 0.9
0.7
1.8
Earnings Yield (Greenblatt) 6.70
HFBL's Earnings Yield (Greenblatt) is ranked higher than
77% of the 1621 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 4.10 vs. HFBL: 6.70 )
HFBL' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.2   Max: 14
Current: 6.7
0.2
14
Forward Rate of Return (Yacktman) -3.03
HFBL's Forward Rate of Return (Yacktman) is ranked lower than
64% of the 1621 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. HFBL: -3.03 )
HFBL' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -6.6   Max: 1.2
Current: -3.03
-6.6
1.2

Business Description

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.
Company Website
SEC Reports
Industry: Savings & Cooperative Banks
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