Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
The historical rank and industry rank for Home Federal Bancorp of louisiana's Equity-to-Asset or its related term are showing as below:
HFBL'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.07 Med: 0.09 Max: 0.11
Current: 0.09
During the past 13 years, the highest Equity to Asset Ratio of Home Federal Bancorp of louisiana was 0.11. The lowest was 0.07. And the median was 0.09.
HFBL's Equity-to-Asset is ranked worse than 55.48% of 1523
companies
in the Banks industry
Industry Median: 0.1
vs HFBL: 0.09
Home Federal Bancorp of louisiana (NAS:HFBL) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Home Federal Bancorp of louisiana Equity-to-Asset Related Terms
Home Federal Bancorp of louisiana Equity-to-Asset Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Home Federal Bancorp of louisiana Equity-to-Asset Chart
HFBL vs LFGP, FRSB, SVBT: Equity-to-Asset Comparison
For the Banks - Regional subindustry, Home Federal Bancorp of louisiana's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Home Federal Bancorp of louisiana Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Home Federal Bancorp of louisiana's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Home Federal Bancorp of louisiana's Equity-to-Asset falls into.
Home Federal Bancorp of louisiana Equity-to-Asset Calculation
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Home Federal Bancorp of louisiana (HFBL) has a Equity-to-Asset of 0.09 as of Mar. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Home Federal Bancorp of louisiana and its competitors. This is near median its historical median of 0.09. Over the past decade, Home Federal Bancorp of louisiana's Equity-to-Asset has ranged from 0.07 to 0.11. According to the industry distribution chart, Home Federal Bancorp of louisiana ranks #845 out of 1523 companies in the Banks industry, placing it in the top 55.5%.
Is Home Federal Bancorp of louisiana's Equity-to-Asset too high?
Home Federal Bancorp of louisiana's current Equity-to-Asset of 0.09 is near median its 10-year median of 0.09. Over the past 10 years, this metric has ranged from a low of 0.07 to a high of 0.11. The Banks industry median Equity-to-Asset is 0.10. Home Federal Bancorp of louisiana's value of 0.09 is 10% below this industry median. Based on the distribution chart, Home Federal Bancorp of louisiana ranks #845 out of 1523 companies in the Banks industry, which is below the industry midpoint. Overall, Home Federal Bancorp of louisiana has a GF Score™ of 60/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Home Federal Bancorp of louisiana's Equity-to-Asset compare to LFGP and FRSB?
According to the Banks industry distribution chart, Home Federal Bancorp of louisiana ranks #845 out of 1523 companies for Equity-to-Asset. This places Home Federal Bancorp of louisiana in the lower half of its industry. The industry median Equity-to-Asset is 0.10. Home Federal Bancorp of louisiana's value of 0.09 is 10% below this benchmark. Historically, Home Federal Bancorp of louisiana's own Equity-to-Asset has ranged from 0.07 to 0.11 over the past decade. While the company's 10-year median is 0.09 vs. the industry median of 0.10, Home Federal Bancorp of louisiana has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Home Federal Bancorp of louisiana's current Equity-to-Asset of 0.09 is 10% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Home Federal Bancorp of louisiana and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Home Federal Bancorp of louisiana's current Equity-to-Asset is 0.09, which is near median its own 10-year median of 0.09. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Home Federal Bancorp of louisiana stock overvalued right now?
Based on GuruFocus' analysis, Home Federal Bancorp of louisiana (HFBL) is currently considered Significantly Overvalued. The stock's GF Value™ is $15.71, compared to a current price of $25.99 — trading 65.4% above its estimated fair value. The current Equity-to-Asset is 0.09, which is near median its 10-year median of 0.09 and 10% below the Banks industry median of 0.10. Home Federal Bancorp of louisiana's overall GF Score™ is 60/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Home Federal Bancorp of louisiana (HFBL), the current Equity-to-Asset is 0.09 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Home Federal Bancorp of louisiana (HFBL) Overvalued in 2026?
Based on GuruFocus' analysis, Home Federal Bancorp of louisiana stock appears to be overvalued.
The current stock price of $25.99 is trading 65.4% above its estimated GF Value™ of $15.71.
GuruFocus considers Home Federal Bancorp of louisiana to be Significantly Overvalued.
Key valuation signals for HFBL:
Equity-to-Asset: 0.09 (near median its 10-year median of 0.09)
GF Value™: $15.71 vs. price of $25.99 (65.4% above fair value)
Industry Position: 10% below the Banks median (#845 of 1523)
No single metric tells the full story. See the HFBL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Home Federal Bancorp Inc of louisiana operates as a bank holding company. It is a federally chartered stock savings bank, which provides financial services to individuals, corporate entities, and other organizations. Its core activities consist of attracting deposits from the general public and using those funds to originate loans to the residential, commercial and multi-family segments. The company also invests securities held-to-maturity and securities available for sale.
60GF Score
Get the complete analysis for HFBL
Equity-to-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
HFBL has been successfully added to your 
