Home Federal Bancorp, Inc. of Louisiana Price & Performance (HFBL)

Home Federal Bancorp, Inc. of Louisiana reported a 2.2% increase in quarterly net income to $748,000, but nine-month earnings fell 10% to $2.7 million. While net interest margin improved and book value per share rose, total assets and deposits declined, and non-performing assets increased significantly.123

Home Federal Bancorp’s book value per share climbed to $17.55, reflecting stronger capital, even as nine-month net income dropped from $3.0 million to $2.7 million. The bank managed to reduce borrowings, but asset quality concerns persist as non-performing assets rose from $1.9 million to $3.0 million.12

Improved cost management at Home Federal Bancorp led to a higher net interest margin of 3.33% and stable quarterly earnings per share. However, the bank faces challenges from shrinking assets and rising non-performing loans, indicating ongoing risk in its loan portfolio despite operational efficiencies.31