HFBL
Home Federal Bancorp, Inc. of Louisiana16.12
+0.11+0.69%
Dec 16, 4:00:00 PM EST
Earnings Call Transcripts
This Quarter (Q4 '25)
No earnings call transcript available yet
Last Quarter (Q3 '25)
No earnings call transcript available
Key Stats
Market Cap
49.78MP/E (TTM)
10.97Basic EPS (TTM)
1.47Dividend Yield
0.03%Recent Filings
8-K
10-Q
10-K
FY2025 results
Home Federal Bancorp of Louisiana wrapped FY2025 ended June 30, 2025 with net income of $3.9 million, up from $3.6 million in FY2024, driven by a $421,000 rise in non-interest income and a $278,000 drop in non-interest expenses, though net interest income dipped 1.5% to $18.7 million amid a 4.4% decline in average interest-earning assets to $577.2 million. The average interest rate spread widened to 2.55% from 2.38%, boosting the net interest margin to 3.23%, while a $166,000 credit loss recovery contrasted with a $40,000 provision last year; non-performing assets climbed to 0.54% of total assets from 0.30%, yet the allowance for credit losses held steady at 0.96% of loans. Total assets fell 4.4% to $609.5 million, with net loans down 2.1% to $461.0 million—commercial real estate at 29.8% and business loans at 11.6% of the portfolio—while deposits shrank 4.8% to $546.3 million, prompting $3.0 million in other borrowings repayment to end at $4.0 million. The company repurchased 42,000 shares for $1.1 million under its ongoing program and paid $1.6 million in dividends. No annual guidance disclosed. Rising non-performing assets signal potential quarterly credit pressures in northwest Louisiana's energy-tied economy.
8-K
Earnings rise amid margin gains
Home Federal Bancorp reported net income of $1.2 million for the quarter ended June 30, 2025, up from $638,000 a year earlier, driven by a 14.2% rise in net interest income and 34.2% higher non-interest income, though offset by elevated taxes and a data processing settlement. Full-year net income climbed to $3.9 million from $3.6 million, with net interest margin expanding to 3.23% from 3.08%, while total assets dipped 4.4% to $609.5 million amid lower deposits and loans. Non-performing assets doubled to 0.54% of total assets. Equity strengthened.
8-K
Dividend hiked 12th year
Home Federal Bancorp, Inc. of Louisiana boosted its quarterly cash dividend to $0.135 per share on July 23, 2025, marking the 12th straight annual increase and 81st consecutive quarterly payout. Payable August 18 to shareholders of record August 4, it reflects a 49.5% payout ratio based on trailing four-quarter earnings through March 31, 2025. This signals strong financial health. Yet, forward-looking statements carry inherent risks.
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