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What is Home Federal Bancorp of louisiana Net Margin %?
Home Federal Bancorp of louisianaHFBL 60 Net Margin % is 24.56% as of Mar. 2026, which is 17% above its 10-year median of 21.02. GuruFocus rates HFBL with a GF Score™ of 60/100 and a GF Value™ of $15.67 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,527 Banks companies, Home Federal Bancorp of louisiana ranks worse than 55.66% on this metric.
Home Federal Bancorp of louisiana (NAS:HFBL) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Home Federal Bancorp of louisiana Net Margin % Related Terms
Home Federal Bancorp of louisiana Net Margin % 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 Net Margin % Chart
For the Banks - Regional subindustry, Home Federal Bancorp of louisiana's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Home Federal Bancorp of louisiana's Net Margin % distribution charts can be found below:
* The bar in red indicates where Home Federal Bancorp of louisiana's Net Margin % falls into.
* 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 Net Margin % of 24.56% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Home Federal Bancorp of louisiana and its competitors. This is 17% above median its historical median of 21.02. Over the past decade, Home Federal Bancorp of louisiana's Net Margin % has ranged from 17.63 to 27.24. According to the industry distribution chart, Home Federal Bancorp of louisiana ranks #850 out of 1527 companies in the Banks industry, placing it in the top 55.7%.
Is Home Federal Bancorp of louisiana's Net Margin % too high?
Home Federal Bancorp of louisiana's current Net Margin % of 24.56% is 17% above median its 10-year median of 21.02. Over the past 10 years, this metric has ranged from a low of 17.63 to a high of 27.24. The Banks industry median Net Margin % is 27.20. Home Federal Bancorp of louisiana's value of 24.56% is 9.7% below this industry median. Based on the distribution chart, Home Federal Bancorp of louisiana ranks #850 out of 1527 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 Net Margin % compare to CLST and NSTS?
According to the Banks industry distribution chart, Home Federal Bancorp of louisiana ranks #850 out of 1527 companies for Net Margin %. This places Home Federal Bancorp of louisiana in the lower half of its industry. The industry median Net Margin % is 27.20. Home Federal Bancorp of louisiana's value of 24.56% is 9.7% below this benchmark. Historically, Home Federal Bancorp of louisiana's own Net Margin % has ranged from 17.63 to 27.24 over the past decade. While the company's 10-year median is 21.02 vs. the industry median of 27.20, 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 27.20, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Home Federal Bancorp of louisiana's current Net Margin % of 24.56% is 9.7% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Home Federal Bancorp of louisiana and its competitors. For the Banks industry, the median Net Margin % is 27.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Home Federal Bancorp of louisiana's current Net Margin % is 24.56%, which is 17% above median its own 10-year median of 21.02. 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 $15.67, compared to a current price of $24.20 — trading 54.4% above its estimated fair value. The current Net Margin % is 24.56%, which is 17% above median its 10-year median of 21.02 and 9.7% below the Banks industry median of 27.20. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Home Federal Bancorp of louisiana (HFBL), the current Net Margin % is 24.56% 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 $24.20 is trading 54.4% above its estimated GF Value™ of $15.67.
GuruFocus considers Home Federal Bancorp of louisiana to be Significantly Overvalued.
Key valuation signals for HFBL:
Net Margin %: 24.56% (17% above median its 10-year median of 21.02)
GF Value™: $15.67 vs. price of $24.20 (54.4% above fair value)
Industry Position: 9.7% below the Banks median (#850 of 1527)
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
Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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