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Stock Ratings / Financials / HFBL / earnings
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Home Federal Bancorp Inc. of Louisiana (HFBL) Next Earnings Date & Expected ±5.3% Move

$23.11 +1.81% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $23.24

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.

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 $23.11 (+1.81% 1D, market cap $69.2M). Pillar breakdown: Fundamental Cash Engine 14/20, Institutional 13F & Options Flow 9/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 18/20, and Executive Insider Alignment 16/20. Across 1097 tracked Financials issuers, HFBL ranks #119 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: $23.24 (+0.57%)🧬 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-
025507510070
2-of-3 Quant Analysts 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 RQD RADARRw C · Rk B+
Cash (14)Whales (9)SEC (13)Macro (18)CEO (16)
Each axis scored 0–20
12M PRICE TARGET CONE+5.4% Base Target
$29 Bull$24 Base$19 Bear
📬 FREE HFBL RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
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: 64% 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)
78
Grade A-$24.16-0.7% Next Q
Q2 (-2Q)
75
Grade B+$24.00-15.6% Next Q
Q3 (-1Q)
73
Grade B$20.26+14.1% Next Q
Current
70
Grade B-$23.11+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 ($24.36) toward Bear Floor ($18.95).

🎲 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 →
NEXT EST. WINDOW: Dec 28, 2026 (~54 DAYS)

Historical OHLCV Volatility ±5.3% Swing Band

±$1.22 Expected Swing
$21.89 (-5.3%)Spot $23.11$24.33 (+5.3%)
MODEL EARNINGS SETUP GAUGE

HFBL Quantitative Pre-Earnings Setup: 70/100

Trailing EPS: $1.28 • YoY Revenue Growth: 17.5%

Model Bullish Setup (70/100)Model Risk Weight (30/100)
Derived deterministically from RQD cash-flow quality, SEC accrual safety, and institutional flow (not a community poll).
LOG YOUR PERSONAL PRE-EARNINGS STANCE (SAVED LOCALLY IN BROWSER):

Recent SEC Reported Revenue, Net Profit & Diluted EPS Cadence

PeriodFiledRevenueNet ProfitFree Cash FlowGross Margin
FY 20252025-06-30$1.3M$3.9M$5.5M52%
FY 20242024-06-30$1.1M$3.6M$2.3M52%
FY 20232023-06-30$1.5M$5.7M$12.1M52%
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Options & Swing Structure Desk

Whale Flow & Momentum Playbook: Evaluating HFBL & AI Leaders Without Chasing Tops

  • ✓Institutional whale strikes & implied earnings move audit on HFBL
  • ✓How disciplined traders manage risk using pre-published trigger & invalidation levels
  • ✓Includes nightly RQD rating-change & forensic signal email alerts on tracked leaders
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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HFBL // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +23.32%▲ ASCENDING CHANNEL
2026-11-03O $22.36H $23.11L $22.36C $23.11VOL 2.8K
RES: $28.00SUP: $20.08SMA50: $24.30SMA200: $21.04
$28.83$25.39$21.95$18.51$15.07RES $28.00SUP $20.08$23.112026-05-042026-06-172026-08-042026-09-182026-11-03
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

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

Reverse-DCF Expectations Hurdle
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

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 #119 of 1097 ⚔️ 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 1097 tracked Financials securities in the Roarable RQD universe, Home Federal Bancorp Inc. of Louisiana (HFBL) ranks #119 by composite RQD confidence (70/100, grade B-) and #1000 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% +1.81% $69.2M Benchmark Subject
CLST
Catalyst Bancorp Inc.
D+ 55/100 35.0x — 2.5% +2.46% $70.0M /clst-vs-hfbl →
CPBI
Central Plains Bancshares Inc.
C+ 67/100 21.5x — 4.6% +0.63% $86.0M /cpbi-vs-hfbl →
FDSB
Fifth District Bancorp Inc.
D+ 58/100 22.3x — 3.2% 0.00% $92.0M /fdsb-vs-hfbl →
BYFC
Broadway Financial Corporation (Class A)
D- 37/100 — — -9.4% +1.66% $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?

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 $23.11 (+1.81% 1D, market cap $69.2M). Pillar breakdown: Fundamental Cash Engine 14/20, Institutional 13F & Options Flow 9/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 18/20, and Executive Insider Alignment 16/20. Across 1097 tracked Financials issuers, HFBL ranks #119 in composite RQD confidence.

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

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).

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

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.

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

HFBL last traded at $23.11 (+1.81% on volume of 1,173 shares), positioning the stock -4.90% below its 50-day simple moving average ($24.30) and +9.84% above its 200-day simple moving average ($21.04). Across its 52-week range of $14.47 to $28.00, HFBL sits at the 63.9% percentile with a 14-day RSI of 47.0 (NEUTRAL RANGE) and an implied next-earnings move of ±5.3% ($21.89 to $24.33).

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-) ✓ SEC XBRL & RQD VERIFIED

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

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-06-30

1. Roarable Rating Brief: What This Means to a Prospective Investor

Home Federal Bancorp Inc. Of Louisiana (HFBL) earns a live Roarable RQD composite score of 70/100, corresponding to a B- letter grade (Roarable Buy) at a spot price of $23.11 (+1.81% 1D, market capitalization $69.2M).

  • Fundamental Cash Engine (14/20): Anchored by return on invested capital (ROIC) of 6.7%, gross margin of —, operating margin of —, and free cash flow yield of 8.08%.
  • Whale 13F & Options Flow (9/20) + Insider Conviction (16/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (18/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 6/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Home Federal Bancorp Inc. Of Louisiana (HFBL) is a NASDAQ-listed issuer in the Financials sector, operating within the Savings Institutions industry..

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-06-30), Home Federal Bancorp Inc. Of Louisiana (HFBL) reported $1.3M in annual revenue (up from $1.1M in FY2024, +17.5% YoY) and $3.9M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($1.5M revenue, $5.7M net income) through FY2025, HFBL scaled operating cash flow to $5.5M and free cash flow to $5.5M, backed by $621.4M in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (B- • RQD 70/100): Company leadership has skin in the game with net positive insider conviction. Free cash flow yield of 8.08% and institutional whale pillar of 9/20. With Fundamental Cash Engine at 14/20 and Institutional Whale Flow at 9/20, sustained execution supports upside toward the upper end of the $14.47 – $28.00 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 17.4x trailing P/E against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Upstream and downstream dependencies cannot be mapped from the supplied data.

  • Key Question #1: Can HFBL sustain or expand its — operating margin and 6.7% ROIC against Savings Institutions peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $1.3M and free cash flow of $5.5M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is HFBL's 14.6x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

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

HFBL Bull vs. Bear Conversation Board — What's Your Call at $23.11?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON HFBL 🐻 33% BEARISH CONVICTION
1. Pick Your Side on HFBL:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
MI MidwestValue RQD DEBATE OPENER • Fundamental Long-Only 🐂 BULLISH 🎯 Target: $27.19 (+19.0%)
📌 Pinned Debate

Macro Regime Fit (18/20, beta 1.0) and a 8.08% FCF yield give the composite its strongest support.

Don't sleep on HFBL's setup in Financials. Macro Regime Fit (18/20, beta 1.0) and a 8.08% FCF yield give the composite its strongest support.. Beta of 1.0 means it moves fast when momentum turns, and the 5-pillar RQD gauge (70/100) backs up the fundamental quality.

VolSurface_Trader 🐂 BULL

Both sides have a point here — HFBL's 13/20 balance sheet score keeps downside contained, so the real swing factor next earnings call is backlog and FCF conversion.

SH ShortSeller_Dan RQD DEBATE OPENER • Forensic Short Bias 🐻 BEARISH 🎯 Target: $18.51 (-19.0%)
Spot @ $22.85

Whale/13F Flow scores only 7/20 with no holder data in the source, signaling weak institutional conviction.

I respect the product at Home Federal Bancorp Inc. of Louisiana, but the stock at $22.85 is a different story. Whale/13F Flow scores only 7/20 with no holder data in the source, signaling weak institutional conviction.. FCF yield is 8.08% and RQD sits at 70/100 (B-) — why pay up here when you can wait for next quarter's numbers?

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