HFBL (Home Federal Bancorp of louisiana) Margin of Safety % (DCF Earnings Based): 18.61% (As of Jun. 25, 2026)


HFBL Home Federal Bancorp Inc of louisiana HFBL
66 GF Score
Price $20.06
GF Value $15.58
Valuation Modestly Overvalued
! 5 Warning Signs
View Full Analysis

What is Home Federal Bancorp of louisiana Margin of Safety % (DCF Earnings Based)?

Home Federal Bancorp of louisiana HFBL 66 Margin of Safety % (DCF Earnings Based) is 18.61% as of Jun. 25, 2026. GuruFocus rates HFBL with a GF Score™ of 66/100 and a GF Value™ of $15.58 (Modestly Overvalued). The stock has 5 warning signs investors should review.

Margin of Safety % (DCF Earnings Based) = (Intrinsic Value: DCF (Earnings Based) - Current Price) / Intrinsic Value: DCF (Earnings Based).

Note: Discounted Earnings model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.

As of today (2026-06-25), Home Federal Bancorp of louisiana's Predictability Rank is 4-Stars. Home Federal Bancorp of louisiana's intrinsic value calculated from the Discounted Earnings model is $24.65 and current share price is $20.062. Consequently,

Home Federal Bancorp of louisiana's Margin of Safety % (DCF Earnings Based) using Discounted Earnings model is 18.61%.

HFBL vs RWCB, HFBK, FBVI: Margin of Safety % (DCF Earnings Based) Comparison

For the Banks - Regional subindustry, Home Federal Bancorp of louisiana's Margin of Safety % (DCF Earnings Based), along with its competitors' market caps and Margin of Safety % (DCF Earnings Based) 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 Margin of Safety % (DCF Earnings Based) vs Banks Industry

For the Banks industry and Financial Services sector, Home Federal Bancorp of louisiana's Margin of Safety % (DCF Earnings Based) distribution charts can be found below:

* The bar in red indicates where Home Federal Bancorp of louisiana's Margin of Safety % (DCF Earnings Based) falls into.


HFBL
66GF Score
Home Federal Bancorp Inc of louisiana HFBL
Margin of Safety % (DCF Earnings Based) is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Home Federal Bancorp of louisiana Margin of Safety % (DCF Earnings Based) Calculation

Home Federal Bancorp of louisiana's Margin of Safety % (DCF Earnings Based) for today is calculated as

Margin of Safety % (DCF Earnings Based)=(Intrinsic Value: DCF (Earnings Based)-Current Price)/Intrinsic Value: DCF (Earnings Based)
=(24.65-20.062)/24.65
=18.61 %

* 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.

The intrinsic value is calculated from the Discounted Earnings model with default parameters. The calculation method is the same as Discounted Cash Flow model except earnings are used in the calculation instead of free cash flow.

What does a Margin of Safety % (DCF Earnings Based) of 18.61% mean?
Home Federal Bancorp of louisiana (HFBL) has a Margin of Safety % (DCF Earnings Based) of 18.61% as of Jun. 25, 2026. Margin of Safety % (DCF Earnings Based) is the percent difference between the current price and the intrinsic DCF Earnings price. View historical data on Home Federal Bancorp of louisiana.
Is Home Federal Bancorp of louisiana's Margin of Safety % (DCF Earnings Based) too high?
Home Federal Bancorp of louisiana's current Margin of Safety % (DCF Earnings Based) is 18.61%. Overall, Home Federal Bancorp of louisiana has a GF Score™ of 66/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Home Federal Bancorp of louisiana's Margin of Safety % (DCF Earnings Based) compare to RWCB and HFBK?
Home Federal Bancorp of louisiana's Margin of Safety % (DCF Earnings Based) of 18.61% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Margin of Safety % (DCF Earnings Based) for a Banks company?
A good Margin of Safety % (DCF Earnings Based) depends on the Banks industry context. However, Margin of Safety % (DCF Earnings Based) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Margin of Safety % (DCF Earnings Based) mean?
A high Margin of Safety % (DCF Earnings Based) can signal that a stock is expensive relative to its fundamentals. Margin of Safety % (DCF Earnings Based) is the percent difference between the current price and the intrinsic DCF Earnings price. View historical data on Home Federal Bancorp of louisiana. Home Federal Bancorp of louisiana's current Margin of Safety % (DCF Earnings Based) is 18.61%. 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 Modestly Overvalued. The stock's GF Value™ is $15.58, compared to a current price of $20.06 — trading 28.8% above its estimated fair value. The current Margin of Safety % (DCF Earnings Based) is 18.61%. Home Federal Bancorp of louisiana's overall GF Score™ is 66/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Margin of Safety % (DCF Earnings Based) calculated?
Margin of Safety % (DCF Earnings Based) is calculated from a company's financial statements. For Home Federal Bancorp of louisiana (HFBL), the current Margin of Safety % (DCF Earnings Based) is 18.61% as of Jun. 25, 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 $20.06 is trading 28.8% above its estimated GF Value™ of $15.58. GuruFocus considers Home Federal Bancorp of louisiana to be Modestly Overvalued.

Key valuation signals for HFBL:

  • Margin of Safety % (DCF Earnings Based): 18.61%
  • GF Value™: $15.58 vs. price of $20.06 (28.8% above fair value)
  • GF Score™: 66/100 with 5 warning signs

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 of louisiana Business Description

Address 624 Market Street, Shreveport, LA, USA, 71101
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.
66GF Score

Get the complete analysis for HFBL

Margin of Safety % (DCF Earnings Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$20.06
Price
$15.58
GF Value