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Upturn AI SWOT - About
HFBL 
Home Federal Bancorp Louisiana (HFBL)
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Upturn Advisory Summary
03/13/2025: HFBL (1-star) is a SELL. SELL since 2 days. Profits (-1.91%). Updated daily EoD!
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -30.25% | Avg. Invested days 25 | Today’s Advisory SELL |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 03/13/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 38.40M USD | Price to earnings Ratio 11.26 | 1Y Target Price - |
Price to earnings Ratio 11.26 | 1Y Target Price - | ||
Volume (30-day avg) 3001 | Beta 0.5 | 52 Weeks Range 10.28 - 13.79 | Updated Date 03/30/2025 |
52 Weeks Range 10.28 - 13.79 | Updated Date 03/30/2025 | ||
Dividends yield (FY) 4.24% | Basic EPS (TTM) 1.09 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 16.8% | Operating Margin (TTM) 22.28% |
Management Effectiveness
Return on Assets (TTM) 0.51% | Return on Equity (TTM) 6.33% |
Valuation
Trailing PE 11.26 | Forward PE - | Enterprise Value 1981475 | Price to Sales(TTM) 2.09 |
Enterprise Value 1981475 | Price to Sales(TTM) 2.09 | ||
Enterprise Value to Revenue 2.3 | Enterprise Value to EBITDA - | Shares Outstanding 3129670 | Shares Floating 1734018 |
Shares Outstanding 3129670 | Shares Floating 1734018 | ||
Percent Insiders 42.08 | Percent Institutions 8.38 |
Analyst Ratings
Rating - | Target Price - | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Home Federal Bancorp Louisiana
Company Overview
History and Background
Home Federal Bancorp, Inc. of Louisiana was founded in 1924 and is headquartered in Shreveport, Louisiana. Originally established as a building and loan association, it has evolved into a full-service community bank. Over the decades, it has focused on serving the financial needs of individuals and businesses in its local communities.
Core Business Areas
- Retail Banking: Offers a range of deposit accounts, including checking, savings, and money market accounts, as well as certificates of deposit.
- Residential Lending: Provides mortgage loans for the purchase, refinance, or construction of residential properties.
- Commercial Lending: Offers loans to businesses for working capital, equipment financing, and real estate development.
- Wealth Management: Offers wealth management and investment advice to individuals and businesses.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other key executives. The organizational structure includes various departments such as retail banking, lending, finance, and operations, all reporting to the executive management team and the board of directors.
Top Products and Market Share
Key Offerings
- Mortgage Loans: Residential mortgage loans are a significant part of Home Federal Bancorp Louisiana's portfolio. Market share data is not publicly available. Competitors include large national banks and regional banks.
- Commercial Loans: Commercial loans provide financing to local businesses. Market share data is not publicly available. Competitors include large national banks and regional banks.
- Deposit Accounts: Checking, savings, and money market accounts offer banking services to local retail customers. Market share data is not publicly available. Competitors include large national banks and regional banks and online banks.
Market Dynamics
Industry Overview
The banking industry is highly competitive, with both large national banks and smaller community banks vying for market share. The industry is influenced by interest rates, regulatory changes, and economic conditions.
Positioning
Home Federal Bancorp Louisiana operates as a community bank, focusing on building relationships with local customers and businesses. Its competitive advantage lies in its local presence and personalized service.
Total Addressable Market (TAM)
The TAM represents the total banking services market in Louisiana. Given Home Federal Bancorp Louisiana's regional focus, its share of the overall TAM is relatively small compared to larger national banks. Market size in Louisiana expected to reach $400B by 2027 with a CAGR of 3.5%. Home Federal Bancorp Louisiana has access to a subset of this market which is the retail customers in their local area.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Personalized customer service
- Experienced management team
- Solid asset quality
Weaknesses
- Limited geographic reach
- Lower brand recognition compared to larger banks
- Dependence on local economy
- Less diversified product offerings
Opportunities
- Expansion into new markets within Louisiana
- Increased adoption of digital banking services
- Growing demand for commercial loans
- Acquisition of smaller banks
Threats
- Increasing competition from larger banks
- Rising interest rates
- Economic downturn in Louisiana
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- WAL
- HBAN
- TCBI
Competitive Landscape
Home Federal Bancorp Louisiana faces competition from larger regional and national banks. Its strength lies in its local focus and personalized service, while its disadvantage is its limited size and brand recognition.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends would require detailed financial data over several years.
Future Projections: Future growth projections would be based on analyst estimates and company guidance.
Recent Initiatives: Recent strategic initiatives would be found in company press releases and investor presentations.
Summary
Home Federal Bancorp Louisiana is a community bank with a strong local presence. Its personalized customer service is a key strength, but its limited geographic reach and brand recognition are weaknesses. The bank faces increasing competition from larger banks and needs to capitalize on opportunities such as expanding digital banking services and acquisition of smaller banks.
Similar Companies
- FFWM
- PBHC
- EFBI
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Market Research Reports
- Analyst Reports
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market share data is estimates and may not be precise. Consult with a financial professional before making any investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Home Federal Bancorp Louisiana
Exchange NASDAQ | Headquaters Shreveport, LA, United States | ||
IPO Launch date 2007-06-20 | Chairman, President & CEO Mr. James R. Barlow | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 78 | Website https://www.hfb.bank |
Full time employees 78 | Website https://www.hfb.bank | ||
Home Federal Bancorp, Inc. of Louisiana operates as the holding company for Home Federal Bank that provides various financial services to individuals, corporate entities, and other organizations in Louisiana. The company accepts various deposits, such as passbook savings, certificates of deposit, and demand deposit accounts; and offers debit cards. It also provides loans, including one-to-four family residential real estate, commercial real estate secured, multi-family residential, commercial business, land, construction, home equity and second mortgage, consumer non-real estate loans, as well as equity lines of credit. The company was founded in 1924 and is based in Shreveport, Louisiana.
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