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Home Federal Bancorp of louisianaHFBL +0.92%60 Return-on-Tangible-Asset is 0.94% as of Mar. 2026, which is 8% above its 10-year median of 0.87. 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 1,529 Banks companies, Home Federal Bancorp of louisiana ranks worse than 51.6% on this metric.
The historical rank and industry rank for Home Federal Bancorp of louisiana's Return-on-Tangible-Asset or its related term are showing as below:
HFBL'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.56 Med: 0.87 Max: 1.1
Current: 0.99
During the past 13 years, Home Federal Bancorp of louisiana's highest Return-on-Tangible-Asset was 1.10%. The lowest was 0.56%. And the median was 0.87%.
HFBL's Return-on-Tangible-Asset is ranked worse than 51.6% of 1529
companies
in the Banks industry
Industry Median: 1.02
vs HFBL: 0.99
Home Federal Bancorp of louisiana (NAS:HFBL) Return-on-Tangible-Asset Explanation
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
Home Federal Bancorp of louisiana Return-on-Tangible-Asset Related Terms
Home Federal Bancorp of louisiana Return-on-Tangible-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 Return-on-Tangible-Asset Chart
HFBL vs CLST, NSTS, SMAL: Return-on-Tangible-Asset Comparison
For the Banks - Regional subindustry, Home Federal Bancorp of louisiana's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-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 Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Home Federal Bancorp of louisiana's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Home Federal Bancorp of louisiana's Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
What does a Return-on-Tangible-Asset of 0.94% mean?
Home Federal Bancorp of louisiana (HFBL) has a Return-on-Tangible-Asset of 0.94% as of Mar. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Home Federal Bancorp of louisiana and its competitors. This is near median its historical median of 0.87. Over the past decade, Home Federal Bancorp of louisiana's Return-on-Tangible-Asset has ranged from 0.56 to 1.10. According to the industry distribution chart, Home Federal Bancorp of louisiana ranks #789 out of 1529 companies in the Banks industry, placing it in the top 51.6%.
Is Home Federal Bancorp of louisiana's Return-on-Tangible-Asset too high?
Home Federal Bancorp of louisiana's current Return-on-Tangible-Asset of 0.94% is near median its 10-year median of 0.87. Over the past 10 years, this metric has ranged from a low of 0.56 to a high of 1.10. The Banks industry median Return-on-Tangible-Asset is 1.02. Home Federal Bancorp of louisiana's value of 0.94% is 7.8% below this industry median. Based on the distribution chart, Home Federal Bancorp of louisiana ranks #789 out of 1529 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 Return-on-Tangible-Asset compare to CLST and NSTS?
According to the Banks industry distribution chart, Home Federal Bancorp of louisiana ranks #789 out of 1529 companies for Return-on-Tangible-Asset. This places Home Federal Bancorp of louisiana in the lower half of its industry. The industry median Return-on-Tangible-Asset is 1.02. Home Federal Bancorp of louisiana's value of 0.94% is 7.8% below this benchmark. Historically, Home Federal Bancorp of louisiana's own Return-on-Tangible-Asset has ranged from 0.56 to 1.10 over the past decade. While the company's 10-year median is 0.87 vs. the industry median of 1.02, 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 Return-on-Tangible-Asset for a Banks company?
The median Return-on-Tangible-Asset among Banks companies is 1.02, based on 1,529 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-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 Return-on-Tangible-Asset of 0.94% is 7.8% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Home Federal Bancorp of louisiana and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 1.02 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Home Federal Bancorp of louisiana's current Return-on-Tangible-Asset is 0.94%, which is near median its own 10-year median of 0.87. 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 Return-on-Tangible-Asset is 0.94%, which is near median its 10-year median of 0.87 and 7.8% below the Banks industry median of 1.02. 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 Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For Home Federal Bancorp of louisiana (HFBL), the current Return-on-Tangible-Asset is 0.94% 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:
Return-on-Tangible-Asset: 0.94% (near median its 10-year median of 0.87)
GF Value™: $15.67 vs. price of $24.20 (54.4% above fair value)
Industry Position: 7.8% below the Banks median (#789 of 1529)
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
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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