Home Federal Bancorp Inc of Louisiana (HFBL)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
$22.35-1.15%
Close 2026-11-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
QuarterlyIQ Insights · HFBL
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance is holding in the top half of its industry — the reason to own it looks intact.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -17.5% |
| Our one-year growth estimate | diamond |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
No outside relationship met the current evidence threshold.
Based on historical daily prices through 2026-11-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
| 12.7% |
Growth built into the price is above our model estimate.
The price assumes 30.2 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of — · Company calendar date is not available
HFBL — dividend update
Dated 2026-10-21
Regulation FD Disclosure On October 21, 2026, Home Federal Bancorp, Inc. of Louisiana (the “Company”) issued a press release announcing that the Board of Directors declared a quarterly cash dividend of $0.15 per share on October 21, 2026. The dividend is payable on November 16, 2026, to shareholders of record as of November 2, 2026. For additional information, reference is made to the Company's press release dated October 21, 2026, which is included as Exhibit 99.1 hereto and is incorporated…
Why it matters: Loans rose by $8.8 million in the September quarter, but deposits fell by $2.4 million. More loan growth without deposit growth could raise funding pressure.
Worry ifIn the next quarter, loans rise from $484.3 million while deposits fall below $574.9 million.
Less concerning ifDeposits rise above $574.9 million while loans stay at or above $484.3 million.
Why it matters: The margin rose to 3.83% in the September quarter. A further rise would support earnings growth.
Supportive ifThe next quarterly report shows net interest margin above 3.83%.
Worry ifThe next quarterly report shows net interest margin below 3.63%, its level a year earlier.
Why it matters: The board declared a $0.15 dividend again. A cut would break the stated plan to maintain or raise the payout.
Worry ifA later board release declares a quarterly dividend below $0.15 per share or skips one.
Less concerning ifA later board release declares a dividend of at least $0.15 per share.
Why it matters: The September quarter provision rose by $232,000 from a year earlier. A further rise could weigh on earnings.
Worry ifThe next quarterly report shows credit-loss costs of $275,000 or more. That was the September-quarter level.
Less concerning ifThe next quarterly report shows costs below $43,000, the September 2025 level.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
A larger daily loss that occurred about once in every 20 trading days.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$80 on $10,000 · ±0.8% | How much price usually moves either way. |
| Bad day | $407 loss on $10,000 · 4.1% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $2,449 loss on $10,000 · 24.5% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.