Stock Ratings / Financials / HFBL / dividends

CLST (55) CPBI (67) FDSB (58) BYFC (37) ⌘ Pro Terminal →

Home Federal Bancorp Inc. of Louisiana (HFBL) Dividend Safety Gauge & 10-Year DRIP Compounder

$22.85 +2.19% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $22.99

Home Federal Bancorp Inc. of Louisiana (HFBL) earns a Roarable Rating of B- (Buy) with 70/100 RQD Confidence. High-quality cash engine (steady margins, 7% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.

📊 Historical Track Record: Scores of 70/100 (B-) historically ranked in the Top 15% of excess returns over the next 90 days (+6.6% avg 90D alpha vs SPY • 68.1% hit rate) →

ROARABLE B- • BUY Cap $69.2M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on HFBL Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is HFBL stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-03, Home Federal Bancorp Inc. of Louisiana (NASDAQ: HFBL) is rated B- (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 70/100 at a spot price of $22.85 (+2.19% 1D, market cap $69.2M). Pillar breakdown: Fundamental Cash Engine 14/20, Institutional 13F & Options Flow 9/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 18/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, HFBL ranks #118 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does HFBL compare to CLST and CPBI in the Financials sector?

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Within the Financials sector (Savings Institutions), HFBL carries a Roarable B- (70/100 RQD), trailing P/E of 17.4x, gross margin of —, and ROIC of 6.7%. By comparison, CLST (Catalyst Bancorp Inc.) holds a D+ grade (55/100 RQD, P/E 35.0x, ROIC 2.5%, cap $70.0M) and CPBI (Central Plains Bancshares Inc.) posts a C+ grade (67/100 RQD, P/E 21.5x, ROIC 4.6%, cap $86.0M). Among the 5-stock peer group, HFBL leads on earnings multiple (17.4x) while HFBL leads on capital efficiency (6.7% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for HFBL?

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Per HFBL's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-06-30, CIK 0001500375), Home Federal Bancorp Inc. of Louisiana generated $1.3M in revenue (+17.5% YoY), $3.9M in net income, and $5.5M in free cash flow against $621.4M in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $22.99 (+0.63%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 14/20 (B-) • 420% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 70/100 (B-) historically ranked in the Top 15% of excess returns over the next 90 days (+6.6% avg 90D alpha vs SPY • 68.1% hit rate).

Audit Bucket Track Record →

RQD QUANT TACHOMETERBUY • B-

2-of-3 JEV AI Jury Bullish

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C · Rk B+

Each axis scored 0–20

12M PRICE TARGET CONE+5.4% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for HFBL)Realized 20D OHLCV Swing Band: ±5.3%

Deterministic 5-Pillar Attribution (70/100 Composite)

🔍 WHY HFBL SCORES 70/100 (B-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Macro Regime Fit+18/20 pts (26% of score)

FRED Regime × Technicals: 62% of 52W Range • RSI-14 at 47 (NEUTRAL RANGE)

▲ #2 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (23% of score)

SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)

▼ #1 Drag / Risk Factor: Whale & Options Positioning9/20 pts (-11 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-11 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade A-$24.16-0.7% Next Q

Q2 (-2Q)

Grade B+$24.00-15.6% Next Q

Q3 (-1Q)

Grade B$20.26+12.8% Next Q

Current

Grade B-$22.85+6.6% Hist 90D α

Trajectory: A- (78) → B- (70)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the HFBL Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 70/100 (B-) score, HFBL faces multiple-compression risk if 17.4x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($24.30) or 200D SMA ($21.04) invalidates the momentum regime and cuts Target Base ($24.08) toward Bear Floor ($18.74).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $HFBL• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “HFBL Beats Next Quarter EPS Consensus (Dec 28, 2026) & Holds Above 200D SMA”

YES 70%NO 30%Trade / Inspect Odds →

CASH DIVIDEND + BUYBACK YIELD

4.2% Total Yield

2.4% Cash ($0.55/yr) + 1.8% Buybacks

PAYOUT SAFETY SPEEDOMETER

88/100 • FORTRESS PAYOUT

FREE CASH FLOW PAYOUT RATIO

19.3% of FCF

8 consecutive years of payout growth

INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (13.8% EST. ANNUAL)

$10,000 Compounded Over 10 Years → $36,427

Est. Year-10 Shareholder Yield: $1,530/yr

Starting Investment: $10,000

Compounding Horizon: 10 Years

$11.4K

Yr 1

$13.0K

Yr 2

$14.7K

Yr 3

$16.8K

Yr 4

$19.1K

Yr 5

$21.7K

Yr 6

$24.7K

Yr 7

$28.1K

Yr 8

$32.0K

Yr 9

$36.4K

Yr 10

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Cash-Flow & Quality Compounder Desk

Cash-Fortress Compounders: Auditing Free Cash Flow & Yield Safety in HFBL & A-Rated Leaders

✓12-month Bull/Base/Bear fair-value walkthrough on HFBL and its top sector peer
✓Top Roarable A-Rated cash compounders with verified executive & 13F accumulation
✓Includes nightly RQD rating-change & forensic signal email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

HFBL // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +21.93%▲ ASCENDING CHANNEL

2026-11-03O $22.36H $22.85L $22.36C $22.85VOL 2.8K

RES: $28.00SUP: $20.08SMA50: $24.30SMA200: $21.04

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

HFBL Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 HFBL Butterfly Map → + Track HFBL →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

10.4%/yr Implied 5Y Growth

vs. +17.5% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on HFBL today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for HFBL. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for HFBL today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (HFBL)

Financials Rank #118 of 1096 ⚔️ CLST vs HFBL Full Matrix →

1. Head-to-Head Financials Peer Comparison (HFBL vs. CLST, CPBI, FDSB, BYFC)

Industry: Savings Institutions (33 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Home Federal Bancorp Inc. of Louisiana (HFBL) ranks #118 by composite RQD confidence (70/100, grade B-) and #999 by equity capitalization ($69.2M). Within this direct 5-issuer industry benchmark cohort, HFBL leads on earnings valuation at 17.4x trailing P/E, while HFBL leads on capital efficiency and profitability with 6.7% ROIC and — gross margin. HFBL currently leads its immediate peer cohort in composite quantitative strength at 70/100 (B-).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
HFBL ACTIVE Home Federal Bancorp Inc. of Louisiana	B-	70/100	17.4x	—	6.7%	+2.19%	$69.2M	Benchmark Subject
CLST Catalyst Bancorp Inc.	D+	55/100	35.0x	—	2.5%	-2.42%	$70.0M	/clst-vs-hfbl →
CPBI Central Plains Bancshares Inc.	C+	67/100	21.5x	—	4.6%	0.00%	$86.0M	/cpbi-vs-hfbl →
FDSB Fifth District Bancorp Inc.	D+	58/100	22.3x	—	3.2%	+0.72%	$92.0M	/fdsb-vs-hfbl →
BYFC Broadway Financial Corporation (Class A)	D-	37/100	—	—	-9.4%	-0.17%	$106.3M	/byfc-vs-hfbl →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-06-30 • CIK 0001500375

In its most recent audited fiscal period (FY2025, filed 2025-06-30), Home Federal Bancorp Inc. of Louisiana (HFBL) reported GAAP revenue of $1.3M (+17.5% vs. FY2024 revenue of $1.1M , and -11.8% cumulative change since FY2023) , GAAP net income of $3.9M, operating cash flow of $5.5M, and free cash flow of $5.5M (+136.1% YoY). On the balance sheet, HFBL closed FY2025 with $621.4M in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 6/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-06-30	$1.3M	$3.9M	$5.5M	$5.5M	$621.4M	—
FY2024 (FY)	2024-06-30	$1.1M	$3.6M	$2.3M	$2.3M	$607.8M	—
FY2023 (FY)	2023-06-30	$1.5M	$5.7M	$12.1M	$12.1M	—	—

3. HFBL Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is HFBL stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does HFBL compare to CLST and CPBI in the Financials sector?

What are the biggest fundamental strengths and SEC risk factors for HFBL?

Where is HFBL trading relative to its 50-day, 200-day, and 52-week technical levels?

HFBL last traded at $22.85 (+2.19% on volume of 2,818 shares), positioning the stock -5.97% below its 50-day simple moving average ($24.30) and +8.60% above its 200-day simple moving average ($21.04). Across its 52-week range of $14.47 to $28.00, HFBL sits at the 61.9% percentile with a 14-day RSI of 47.0 (NEUTRAL RANGE) and an implied next-earnings move of ±5.3% ($21.64 to $24.06).

HFBL Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Does HFBL pay a dividend and is it safe?

Home Federal Bancorp Inc. of Louisiana (HFBL) offers a 2.4% cash dividend yield ($0.55 annualized) and 4.2% total shareholder yield including buybacks. Roarable rates its payout coverage as FORTRESS PAYOUT.

Direct Sub-Reports: HFBL RQD Cockpit HFBL 12M Forecast HFBL Earnings & Move HFBL Dividends & DRIP HFBL Insiders & 13F HFBL Whale Options HFBL Profit Sankey HFBL News & Why

ROARABLE RATING BRIEF • RQD 70/100 (B-) ✓ STAGE-C NUMBER FIREWALL VERIFIED

HFBL — Home Federal Bancorp Inc. of Louisiana: What the Facts Mean to a Prospective Investor

Engine: anthropic/claude-haiku-5.5

As of: 2026-11-02T15:45:48Z

Roarable Rating Brief: What This Means to a Prospective Investor

Per the Roarable RQD rating, HFBL scores 68 out of 100, grading C+ under the verdict "Roarable Hold — Upper Neutral / Watch for Breakout." The five pillars are:

Fundamental Cash Engine: 14 / 20. Per the Roarable RQD rating, this pillar reflects ROIC of 6.7% and an FCF yield of 8.08%. Per the Market Data section, these figures are the same ones shown in the snapshot. Investors weighing this pillar are looking at a modest return on invested capital paired with a comparatively high free-cash-flow yield relative to the stock price.
Whale / 13F Flow: 7 / 20. The lowest pillar. Per the Roarable RQD rating, it measures institutional accumulation and options positioning. The Holders section contains no data, so the source cannot confirm the drivers of this score. It is the weakest support in the composite.
Insider Conviction: 16 / 20. Per the Roarable RQD rating, this reflects SEC Form 4 and Congressional PTR cluster flow. The Holders section contains no insider transaction detail, so the score cannot be traced to specific trades in the supplied data.
Macro Regime Fit: 18 / 20. The highest pillar. Per the Market Data section, beta is 1.0, meaning the stock is rated as moving in line with the market. Per the Roarable RQD rating, this pillar also captures sector sensitivity, which the source does not further describe.
Forensic Balance Sheet: 13 / 20. Per the Roarable RQD rating, this pillar reflects an Altman Z-Score of 2.5, a Piotroski F-Score of 6/9, and a Debt/Equity ratio of 0.5.

Taken together, the investor implication is a split profile. The cash-yield and macro-fit pillars offer support, while the weak institutional-flow score signals limited smart-money conviction. Valuation is moderate on earnings (P/E TTM 17.4, forward P/E 14.6), but the composite stays in neutral territory rather than a clear buy signal. The "Watch for Breakout" label implies the rating could move higher if flow or insider signals strengthen, but the supplied data does not show that happening.

Financial Trend

Period	Revenue	Operating Income	Net Income	EPS	FCF	Cash	Debt
FY 2025	$1.3M	$0.0M	$3.9M	N/A	$5.5M	N/A	N/A
FY 2024	$1.1M	$0.0M	$3.6M	N/A	$2.3M	N/A	N/A
FY 2023	$1.5M	$0.0M	$5.7M	N/A	$12.1M	N/A	N/A

Per the SEC financials, net income moved from $5.7M (FY 2023) to $3.6M (FY 2024) and then $3.9M (FY 2025), while free cash flow ranged from $2.3M to $12.1M across the same periods. Per the market data, the net margin is 68%, while gross and operating margins are each listed as 0%, which the source does not reconcile with the reported revenue and income figures. Per the Roarable RQD rating, ROIC is 6.7%, the Altman Z-Score is 2.5, the Piotroski F-Score is 6/9, and Debt/Equity is 0.5. The balance-sheet posture is therefore described as moderate by the forensic pillar, though the cash, debt, and EPS line items are not available for the reported periods.

Recent Catalysts & News Wire Analysis

Per the recent news feed, four items reference HFBL, each tagged with a YELLOW signal and a MARKET WIRE impact label. The headlines reference a dividend analysis, higher quarterly net income, quarterly results for the three months ended September 30, 2026, and Q1 2027 earnings results. The summaries are generic and do not state the figures. Per the Butterfly Supply-Chain Graph, there are no proprietary signals and no butterfly links. The news wire therefore provides earnings-related headlines but no verified quantitative detail, and the risk watch items cannot be confirmed from the supplied text.

Open Questions

What are the reported cash, debt, and EPS figures for each fiscal period, since the financials table lists these as N/A?
Why are the gross and operating margins shown as 0% while the net margin is 68%, and how do these reconcile with reported revenue?
What institutional or insider transactions underlie the 7/20 flow score and the 16/20 insider score?
What products and customer segments generate HFBL's revenue, and what is the source of the $1.3M revenue figure in relation to a $67.8M market capitalization?
What do the four news items report in quantitative terms, given that their summaries do not state figures?

HFBL Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Home Federal Bancorp Inc. of Louisiana (HFBL) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to HFBL Debate Forum (3) ↓

🟡 MARKET WIRE Yahoo Finance • 19h ago

Home Federal Bancorp Inc of louisiana's Dividend Analysis

Yahoo Finance report covering Home Federal Bancorp Inc. of Louisiana (HFBL) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE TradingView • 22h ago

Home Federal Bancorp of Louisiana Reports Higher Quarterly Net Income

TradingView report covering Home Federal Bancorp Inc. of Louisiana (HFBL) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE www.marketscreener.com • 1d ago

HOME FEDERAL BANCORP, INC. OF LOUISIANA REPORTS RESULTS OF OPERATIONS FOR THE THREE MONTHS ENDED SEPTEMBER 30, 2026

www.marketscreener.com report covering Home Federal Bancorp Inc. of Louisiana (HFBL) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE MarketBeat • 1d ago

Home Federal Bancorp, Inc. of Louisiana Q1 2027 Earnings Results and Report

MarketBeat report covering Home Federal Bancorp Inc. of Louisiana (HFBL) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟢 CATALYST SeekingAlpha • 10d ago

Dividend Champion, Contender, And Challenger Highlights: Week October 25

Get a weekly summary of dividend activity for Dividend Champions, Contenders, and Challengers, including dividend changes and key ex-dividend dates.

Read Full Source ↗

🟢 CATALYST Yahoo • 12d ago

Home Federal Bancorp, Inc. of Louisiana Declares Quarterly Cash Dividend

SHREVEPORT, La., Oct. 21, 2026 (GLOBE NEWSWIRE) -- Home Federal Bancorp, Inc. of Louisiana (the “Company”) (NASDAQ: HFBL), the holding company for Home Federal Bank, announced today that on October 21, 2026, its Board of

Read Full Source ↗

🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

HFBL Bull vs. Bear Conversation Board — What's Your Call at $22.85?

🐂 50% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON HFBL 🐻 50% BEARISH CONVICTION

RO RoarDesk_Moderator Roarable Research Desk ⚖️ DEBATE HOST 🎯 Target: $24.15 (+8.0%)

📌 Pinned Debate

🔥 Official Bull vs. Bear Debate: Is HFBL (C+ • RQD 68/100) a Buy at $22.36?

Welcome to the HFBL (Home Federal Bancorp Inc. of Louisiana) Roar Pit. Current RQD Composite is 68/100 (Roarable Hold — Upper Neutral / Watch for Breakout) in Savings Institutions. Bulls point to operating leverage and sector positioning, while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.

VA ValDiscipline Forensic Accounting Watch 🐻 BEARISH 🎯 Target: $17.22 (-23.0%)

Spot @ $22.36

Pump the brakes on HFBL — check the valuation vs. margin headwinds

Everyone in here is repeating the bull case on HFBL, but look at what you are paying: 17.4x trailing P/E with tightening sector spreads. Unless Home Federal Bancorp Inc. of Louisiana expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.

CA CashFlowKing Verified K Arena Trader 🐂 BULLISH 🎯 Target: $28.17 (+26.0%)

Spot @ $22.36

HFBL cash flow & RQD setup is being underpriced by the Street here

Looking at the 5-pillar RQD breakdown on HFBL, the market is fixating on short-term headline noise in Savings Institutions and ignoring the balance sheet and cash flow trajectory. At $22.36 (52-wk range $14.47 - $28.00), any beat on forward guidance forces shorts and underweight funds to chase.