HFBL Home Federal Bancorp, Inc. of Louisiana - Common Stock
NASDAQ · Banking · View on SEC EDGAR ↗ close Oct 2, 2026 10-K/10-Q Sep 25, 2026
$25.39
· of 52w range
· above low
· to high
$13.9052w low
$28.0052w high
Market Cap (MRQ)
$77M
P/E
12.6
EPS
$2.02
Revenue
$2M
your badges
52W Range
$14–$28
Analyst Rating
·
Price Target
·
P/E
12.6
ROE
10.6%
Net Profit Margin
364.5%
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HFBL Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$25.39
Market Cap (MRQ)
$77M
P/E
12.6
EPS
$2.02
Revenue
$2M
Div Yield
2.1%
ROE
10.6%
52W Range
$14–$28
HFBL Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view
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Stock splits
| Ex-date | Split | Type |
|---|---|---|
| April 1, 2021 | 2-for-1 | Forward |
10-Year Performance Revenue, net income, margins and EPS trends
Revenue$2M2019-06-30 → 2026-06-30
EPS$2.022017-06-30 → 2026-06-30
Free Cash Flow·2017-06-30 → 2017-06-30
Net margin364.5%2017-06-30 → 2026-06-30
Valuation & Ratios
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
| Metric | 5Y trend | HFBL | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| P/E | 12.65Y avg ≈10.5 | ≈10.5 | 12.9 | Undervalued | |
| P/S | 45.65Y avg ≈38.0 | ≈38.0 | 5.9 | Overvalued | |
| P/B (MRQ) | 1.35Y avg ≈0.9 | ≈0.9 | 0.9 | Overvalued | |
| Price / Cash Flow | 10.15Y avg ≈7.8 | ≈7.8 | 10.8 | Undervalued | |
| Price / Tangible Book (MRQ) | 1.35Y avg ≈1.0 | ≈1.0 | · | · | |
| PEG Ratio | ≈2.4 | · | · | · |
Peer median is calculated on a standardized basis per metric and may not always match the TTM/MRQ basis shown for this stock.
Profitability Gross, operating and net margins; ROE, ROA, ROIC
| Metric | 5Y trend | HFBL | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Pretax Margin | 459.6%5Y avg ≈433.0% | ≈433.0% | 34.5% | Top tier | |
| Net Profit Margin | 364.5%5Y avg ≈359.6% | ≈359.6% | 29.5% | Top tier | |
| ROA | 0.99%5Y avg ≈0.78% | ≈0.78% | 0.98% | Top tier | |
| ROE | 10.6%5Y avg ≈9.0% | ≈9.0% | 7.1% | Top tier |
Financial Health Debt, liquidity, solvency — balance sheet strength
No data for this ratio group yet
Not enough fundamentals data to compute this ratio group yet.
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
| Metric | 5Y trend | HFBL | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Revenue YoY | 30.0%5Y avg ≈13.4% | ≈13.4% | · | · | |
| Revenue CAGR 3Y | 4.7%5Y avg ≈6.5% | ≈6.5% | · | · | |
| Revenue CAGR 5Y | 11.3% | · | · | · | |
| EPS YoY | 60.3%5Y avg ≈10.2% | ≈10.2% | · | · | |
| Net Income YoY | 58.8%5Y avg ≈7.6% | ≈7.6% | · | · | |
| EPS CAGR 3Y | 3.7%5Y avg ≈2.5% | ≈2.5% | · | · | |
| EPS CAGR 5Y | 5.2% | · | · | · | |
| Net Income CAGR 3Y | 2.7%5Y avg ≈-0.77% | ≈-0.77% | · | · | |
| Net Income CAGR 5Y | 2.9% | · | · | · |
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
| Metric | 5Y trend | HFBL | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Asset Turnover | 0.05Y avg ≈0.0 | ≈0.0 | 0.0 | Weak | |
| Revenue / Employee | ≈$23.5K | · | · | · |
value · ≈ 5Y avg · industry median · verdict relative to median
Dividends Yield, payout ratio, dividend history, 5Y CAGR
Dividend Yield2.1%
Payout Ratio26.9%
Annualized Payout≈$0.60
5Y Div CAGR≈10.3%
Growth Streak≈12
| Ex-date | Amount | Currency | Yield |
|---|---|---|---|
| Jul 27, 2026 | $0.15 | USD | ≈2.4% |
| Apr 27, 2026 | $0.14 | USD | ≈2.8% |
| Feb 2, 2026 | $0.14 | USD | ≈2.9% |
| Oct 27, 2025 | $0.14 | USD | ≈3.6% |
| Aug 4, 2025 | $0.14 | USD | ≈4.0% |
| Apr 28, 2025 | $0.13 | USD | ≈3.9% |
| Jan 27, 2025 | $0.13 | USD | ≈4.1% |
| Oct 28, 2024 | $0.13 | USD | ≈4.1% |
| Aug 5, 2024 | $0.13 | USD | ≈4.1% |
| Apr 26, 2024 | $0.13 | USD | ≈4.2% |
| Jan 26, 2024 | $0.13 | USD | ≈3.6% |
| Oct 27, 2023 | $0.13 | USD | ≈3.6% |
| Jul 28, 2023 | $0.13 | USD | ≈3.3% |
| Apr 28, 2023 | $0.12 | USD | ≈2.6% |
| Jan 27, 2023 | $0.12 | USD | ≈2.6% |
| Oct 28, 2022 | $0.12 | USD | ≈2.3% |
| Jul 29, 2022 | $0.12 | USD | ≈2.1% |
| Apr 29, 2022 | $0.10 | USD | ≈1.9% |
| Jan 28, 2022 | $0.10 | USD | ≈1.9% |
| Oct 29, 2021 | $0.10 | USD | ≈1.9% |
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
Next Report
Oct 21, 2026
| Period | Report | EPS Actual | EPS Est | Surprise |
|---|---|---|---|---|
| Sept. 30, 2025 | $0.24 | — | — | |
| March 31, 2025 | $0.31 | — | — | |
| June 30, 2023 | $0.55 | — | — |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement
| Metric | Trend | 2026 | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | $2M | $1M | $1M | $1M | $1M | $991.0K | $1M | $975.0K | |
| Interest Expense | · | · | · | $5M | $2M | $3M | $5M | $5M | |
| Interest Income | $32M | $30M | $32M | $27M | $19M | $20M | $20M | $20M | |
| Pretax Income | $8M | $5M | $4M | $7M | $6M | $7M | $5M | $6M | |
| Income Tax | $2M | $766.0K | $476.0K | $1M | $1M | $1M | $957.0K | $1M | |
| Net Income | $6M | $4M | $4M | $6M | $5M | $5M | $4M | $5M | |
| EPS (Basic) | $2.05 | $1.27 | $1.18 | $1.89 | $1.50 | $1.66 | $1.15 | $2.68 | |
| EPS (Diluted) | $2.02 | $1.26 | $1.17 | $1.81 | $1.41 | $1.57 | $1.07 | $2.50 | |
| Shares (Basic) | 3,012,800 | 3,054,254 | 3,044,081 | 3,020,748 | 3,250,320 | 3,230,499 | 3,363,632 | 1,767,736 | |
| Shares (Diluted) | 3,063,875 | 3,078,367 | 3,082,560 | 3,152,885 | 3,464,847 | 3,426,203 | 3,594,770 | 1,894,011 |
Balance Sheet
| Metric | Trend | 2026 | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $2M | $2M | $2M | $2M | $1M | $1M | $1M | $1M | |
| PP&E (Net) | $16M | $17M | $18M | $17M | $16M | $15M | $13M | $14M | |
| PP&E (Gross) | $25M | $26M | $26M | $23M | $22M | $20M | $18M | $17M | |
| Accum. Depreciation | $9M | $9M | $8M | $7M | $6M | $5M | $4M | $4M | |
| Goodwill | $3M | $3M | $3M | $3M | $0 | · | · | · | |
| Intangibles | $675.0K | $915.0K | $1M | $2M | $0 | · | · | · | |
| Total Assets | $643M | $609M | $638M | $661M | $590M | $566M | $518M | $442M | |
| Total Liabilities | $585M | $554M | $585M | $610M | $538M | $513M | $468M | $392M | |
| Common Stock | $30.0K | $32.0K | $32.0K | $31.0K | $34.0K | $34.0K | $22.0K | $23.0K | |
| Paid-in Capital | $44M | $42M | $42M | $41M | $40M | $38M | $37M | $36M | |
| Retained Earnings | $16M | $15M | $14M | $13M | $15M | $15M | $14M | $15M | |
| AOCI | $-2M | $-2M | $-3M | $-3M | $-2M | $275.0K | $915.0K | $20.0K | |
| Stockholders' Equity | $59M | $55M | $53M | $51M | $52M | $53M | $51M | $50M | |
| Liabilities + Equity | $643M | $609M | $638M | $661M | $590M | $566M | $518M | $442M | |
| Shares Outstanding | 3,042,451 | 3,084,764 | 3,142,168 | 3,133,351 | 3,387,839 | 3,350,966 | 3,449,024 | 1,845,482 |
Cash Flow
| Metric | Trend | 2026 | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|---|
| Deferred Tax | $84.0K | $-163.0K | $122.0K | $-174.0K | $-324.0K | $-61.0K | $92.0K | $-30.0K | |
| Amort. of Intangibles | $240.0K | $284.0K | $334.0K | $174.0K | $0 | · | · | · | |
| Operating Cash Flow | $8M | $5M | $2M | $12M | $17M | $8M | $200.0K | $5M | |
| Investing Cash Flow | $-18M | $10M | $34M | $-115M | $-79M | $-1M | $-33M | $-17M | |
| Stock Repurchased | $3M | $1M | $487.0K | $6M | $4M | $3M | $4M | $2M | |
| Net Stock Activity | $-3M | $-1M | $-487.0K | $-6M | $-4M | $-3M | $-4M | $-2M | |
| Dividends Paid | $2M | $2M | $2M | $2M | $1M | $1M | $1M | $1M | |
| Financing Cash Flow | $27M | $-33M | $-27M | $64M | $21M | $43M | $69M | $15M |
Profitability
| Metric | Trend | 2026 | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 364.5% | 298.4% | 324.0% | 386.2% | 424.9% | 541.4% | 377.5% | 26.8% | |
| Pretax Margin | 459.6% | 357.2% | 366.9% | 458.4% | 523.1% | 687.2% | 471.3% | 34.1% | |
| ROA | 0.99% | 0.62% | 0.55% | 0.91% | 0.84% | 0.99% | 0.80% | 1.1% | |
| ROE | 10.6% | 7.1% | 6.8% | 11.3% | 9.3% | 10.2% | 7.7% | 9.6% |
Efficiency
| Metric | Trend | 2026 | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
Per Share
| Metric | Trend | 2026 | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|---|
| Book Value / Share | $19.31 | $17.90 | $16.80 | $16.13 | $15.45 | $15.73 | $29.30 | $27.28 | |
| Revenue / Share | $0.55 | $0.42 | $0.36 | $0.47 | $0.33 | $0.29 | $0.57 | $9.34 | |
| Cash Flow / Share | $2.49 | $1.78 | $0.75 | $3.84 | $4.92 | $2.43 | $0.11 | $2.56 | |
| Cash / Share | $0.69 | $0.67 | $0.61 | $0.58 | $0.44 | $0.35 | $0.70 | $0.54 | |
| EPS (TTM) | $2.02 | $1.26 | $1.17 | $1.81 | $1.41 | $1.57 | $1.07 | $2.50 |
Growth Rates
| Metric | Trend | 2026 | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue YoY | 30.0% | 17.5% | -24.9% | 28.8% | 15.7% | -2.8% | · | · | |
| Revenue CAGR 3Y | 4.7% | 4.3% | 3.8% | 13.1% | · | · | · | · | |
| Revenue CAGR 5Y | 11.3% | 5.0% | · | · | · | · | · | · | |
| EPS YoY | 60.3% | 7.7% | -35.4% | 28.4% | -10.2% | 46.7% | · | · | |
| EPS CAGR 3Y | 3.7% | -3.7% | -9.3% | 19.1% | · | · | · | · | |
| EPS CAGR 5Y | 5.2% | 3.3% | · | · | · | · | · | · | |
| Net Income YoY | 58.8% | 8.2% | -37.0% | 17.1% | -9.2% | 39.4% | · | · | |
| Net Income CAGR 3Y | 2.7% | -7.2% | -12.5% | 14.0% | · | · | · | · | |
| Net Income CAGR 5Y | 2.9% | 0.20% | · | · | · | · | · | · | |
| Dividends Paid CAGR 5Y | 8.2% | 7.4% | · | · | · | · | · | · |
Valuation (TTM)
| Metric | Trend | 2026 | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $2M | $1M | $1M | $1M | $1M | $991.0K | $1M | $975.0K | |
| Net Income TTM | $6M | $4M | $4M | $6M | $5M | $5M | $4M | $5M | |
| Market Cap | $64M | $42M | $36M | $44M | $67M | $65M | $21M | $31M | |
| P/E | 10.4 | 10.8 | 9.8 | 7.8 | 13.9 | 12.4 | 11.6 | 6.7 | |
| P/S | 37.7 | 32.2 | 32.5 | 29.8 | 58.1 | 65.9 | 21.0 | 31.5 | |
| P/B | 1.1 | 0.8 | 0.7 | 0.9 | 1.3 | 1.2 | 0.4 | 0.6 | |
| P / Tangible Book | 1.2 | 0.8 | 0.7 | 1.0 | 1.3 | 1.2 | 0.4 | · | |
| P / Cash Flow | 8.4 | 7.7 | 15.5 | 3.6 | 3.9 | 7.8 | 107.0 | 6.3 | |
| Dividend Yield | 2.6% | 3.9% | 4.3% | 3.5% | 2.0% | 1.7% | 5.3% | 3.4% | |
| Earnings Yield | 9.6% | 9.3% | 10.2% | 12.9% | 7.2% | 8.1% | 8.6% | 15.0% | |
| Payout Ratio | 26.9% | 41.9% | 43.7% | 26.8% | 27.8% | 20.9% | 29.7% | 22.2% | |
| Annual Payout | $2M | $2M | $2M | $2M | $1M | $1M | $1M | $1M |
Income Statement
| Metric | Trend | Q4 2026 | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Expense | · | · | · | · | · | · | · | · | · | $3M | $3M | $3M | · | $2M | $764.0K | $476.0K | |
| Interest Income | $8M | $8M | $8M | $8M | $8M | $7M | $8M | $8M | $8M | $8M | $8M | $8M | $8M | $7M | $6M | $6M | |
| Pretax Income | $2M | $2M | $2M | $2M | $2M | $955.0K | $1M | $939.0K | $824.0K | $908.0K | $807.0K | $2M | $2M | $1M | $2M | $2M | |
| Income Tax | $437.0K | $318.0K | $438.0K | $418.0K | $374.0K | $207.0K | $187.0K | $-2.0K | $186.0K | $176.0K | $-196.0K | $310.0K | $342.0K | $271.0K | $444.0K | $9.0K | |
| Net Income | $1M | $1M | $2M | $2M | $1M | $748.0K | $1M | $941.0K | $638.0K | $732.0K | $1M | $1M | $1M | $1M | $2M | $2M | |
| EPS (Basic) | $0.48 | $0.49 | $0.55 | $0.53 | $0.39 | $0.24 | $0.33 | $0.31 | $0.21 | $0.24 | $0.33 | $0.40 | $0.42 | $0.35 | $0.57 | $0.55 | |
| EPS (Diluted) | $0.48 | $0.48 | $0.54 | $0.52 | $0.38 | $0.24 | $0.33 | $0.31 | $0.21 | $0.24 | $0.33 | $0.39 | $0.40 | $0.34 | $0.55 | $0.52 | |
| Shares (Basic) | · | 3,017,000 | 3,023,000 | 3,008,000 | · | 3,062,000 | 3,059,000 | 3,058,000 | · | 3,047,000 | 3,040,000 | 3,029,000 | · | 3,006,000 | 2,995,000 | 3,066,000 |
Balance Sheet
| Metric | Trend | Q4 2026 | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $2M | · | · | · | $2M | · | · | · | $2M | · | · | · | $2M | · | · | · | |
| PP&E (Net) | $16M | $17M | $17M | $17M | $17M | $18M | $18M | $18M | $18M | $18M | $18M | $17M | $17M | $17M | $16M | $16M | |
| PP&E (Gross) | $25M | · | · | · | $26M | · | · | · | $26M | · | · | · | $23M | · | · | · | |
| Accum. Depreciation | $9M | · | · | · | $9M | · | · | · | $8M | · | · | · | $7M | · | · | · | |
| Goodwill | $3M | $3M | $3M | $3M | $3M | $3M | $3M | $3M | $3M | $3M | $3M | $3M | $3M | $3M | · | · | |
| Intangibles | $675.0K | $727.0K | $784.0K | $848.0K | $915.0K | $983.0K | $1M | $1M | $1M | $1M | $1M | $1M | $2M | $2M | · | · | |
| Total Assets | $643M | $642M | $621M | $623M | $609M | $620M | $608M | $628M | $638M | $643M | $654M | $663M | $661M | $686M | $577M | $582M | |
| Total Liabilities | $585M | $584M | $564M | $566M | $554M | $565M | $554M | $574M | $585M | $590M | $602M | $612M | $610M | $636M | $528M | $534M | |
| Common Stock | $30.0K | $34.0K | $34.0K | $32.0K | $32.0K | $32.0K | $32.0K | $32.0K | $32.0K | $32.0K | $31.0K | $31.0K | $31.0K | $31.0K | $31.0K | $31.0K | |
| Paid-in Capital | $44M | $44M | $44M | $42M | $42M | $42M | $42M | $42M | $42M | $41M | $41M | $41M | $41M | $41M | $41M | $40M | |
| Retained Earnings | $16M | $16M | $15M | $16M | $15M | $15M | $15M | $14M | $14M | $14M | $14M | $13M | $13M | $12M | $11M | $10M | |
| AOCI | $-2M | $-2M | $-1M | $-2M | $-2M | $-2M | $-3M | $-2M | $-3M | $-3M | $-2M | $-3M | $-3M | $-2M | $-3M | $-3M | |
| Stockholders' Equity | $59M | $58M | $58M | $57M | $55M | $55M | $54M | $54M | $53M | $53M | $53M | $50M | $51M | $50M | $49M | $47M | |
| Liabilities + Equity | $643M | $642M | $621M | $623M | $609M | $620M | $608M | $628M | $638M | $643M | $654M | $663M | $661M | $686M | $577M | $582M | |
| Shares Outstanding | 3,042,451 | 3,059,889 | 3,078,470 | 3,066,369 | 3,084,764 | 3,118,764 | 3,132,764 | 3,129,668 | 3,142,168 | 3,145,236 | 3,143,532 | 3,133,351 | 3,133,351 | 3,123,651 | 3,121,251 | 3,108,145 |
Cash Flow
| Metric | Trend | Q4 2026 | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Deferred Tax | $84.0K | $-34.0K | $20.0K | $14.0K | $172.0K | $19.0K | $-59.0K | $-295.0K | $150.0K | $-168.0K | $287.0K | $-147.0K | $-221.0K | $365.0K | $5.0K | $-323.0K | |
| Amort. of Intangibles | $52.0K | $57.0K | $64.0K | $67.0K | $68.0K | $70.0K | $72.0K | $74.0K | $76.0K | $79.0K | $85.0K | $94.0K | $103.0K | $71.0K | $0 | $0 | |
| Operating Cash Flow | $3M | $-1M | $3M | $3M | $1M | $991.0K | $3M | $871.0K | $2M | $650.0K | $-3M | $2M | $3M | $4M | $694.0K | $4M | |
| Investing Cash Flow | $2M | $-9M | $-7M | $-4M | $-3M | $163.0K | $-4M | $17M | $32M | $10M | $10M | $-18M | $2M | $-85M | $-12M | $-21M | |
| Stock Repurchased | $440.0K | $623.0K | $2M | $279.0K | $557.0K | $182.0K | $152.0K | $182.0K | $448.0K | $9.0K | $30.0K | $0 | $0 | $1.0K | $70.0K | $6M | |
| Net Stock Activity | · | · | · | $-279.0K | · | · | · | $-182.0K | · | · | · | $0 | · | · | · | $-6M | |
| Dividends Paid | $413.0K | $417.0K | $418.0K | $415.0K | $406.0K | $407.0K | $407.0K | $409.0K | $392.0K | $393.0K | $392.0K | $392.0K | $365.0K | $384.0K | $374.0K | $407.0K | |
| Financing Cash Flow | $102.0K | $20M | $-4M | $10M | $-11M | $10M | $-20M | $-11M | $-7M | $-12M | $-8M | $-187.0K | $-26M | $107M | $-6M | $-10M | |
| Taxes Paid | · | $425.0K | $675.0K | $140.0K | · | $425.0K | $0 | $0 | · | · | · | · | · | · | · | · |
Profitability
| Metric | Trend | Q4 2026 | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | · | 24.4% | 27.9% | 27.1% | · | 14.3% | 20.1% | 19.9% | · | 14.9% | · | 21.3% | · | 17.8% | 29.2% | 28.6% | |
| Pretax Margin | · | 29.7% | 35.1% | 34.1% | · | 18.3% | 23.7% | 19.9% | · | 18.5% | · | 26.8% | · | 22.3% | 36.8% | 28.7% | |
| ROA | · | 0.23% | 0.27% | 0.26% | · | 0.12% | 0.16% | 0.15% | · | 0.11% | · | 0.20% | · | 0.17% | 0.30% | 0.29% | |
| ROE | · | 2.6% | 3.0% | 2.9% | · | 1.4% | 1.9% | 1.8% | · | 1.4% | · | 2.5% | · | 2.1% | 3.4% | 3.3% |
Efficiency
| Metric | Trend | Q4 2026 | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 |
Per Share
| Metric | Trend | Q4 2026 | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Book Value / Share | · | $18.96 | $18.76 | $18.46 | · | $17.55 | $17.22 | $17.34 | · | $16.71 | $16.73 | $16.11 | · | $16.05 | $15.60 | $15.16 | |
| Dividend / Share | · | · | · | · | · | · | · | · | · | · | · | $0.13 | · | $0.12 | $0.12 | $0.12 | |
| EPS (TTM) | · | $1.92 | $1.68 | $1.47 | · | $1.09 | $1.09 | $1.09 | · | $1.36 | $1.46 | $1.68 | · | $1.73 | $1.76 | $1.55 |
Valuation (TTM)
| Metric | Trend | Q4 2026 | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Income TTM | · | $6M | $5M | $5M | · | $3M | $3M | $3M | · | $4M | $5M | $5M | · | $6M | $6M | $5M | |
| Market Cap | · | $53M | $55M | $42M | · | $41M | $39M | $39M | · | $40M | $45M | $45M | · | $53M | $53M | $58M | |
| P/E | · | 9.0 | 10.7 | 9.4 | · | 12.0 | 11.5 | 11.6 | · | 9.5 | 9.8 | 8.6 | · | 9.9 | 9.7 | 12.1 | |
| P/B | · | 0.9 | 1.0 | 0.7 | · | 0.7 | 0.7 | 0.7 | · | 0.8 | 0.9 | 0.9 | · | 1.1 | 1.1 | 1.2 | |
| P / Tangible Book | · | 1.0 | 1.0 | 0.8 | · | 0.8 | 0.8 | 0.8 | · | 0.8 | 0.9 | 1.0 | · | 1.2 | 1.1 | 1.2 | |
| P / Cash Flow | · | · | · | 15.2 | · | · | · | 45.3 | · | · | · | 18.6 | · | · | · | 13.4 | |
| Dividend Yield | · | 3.1% | 3.0% | 3.9% | · | 4.0% | 4.1% | 4.0% | · | 3.8% | 3.4% | 3.3% | · | 2.8% | 2.7% | 2.5% | |
| Earnings Yield | · | 11.1% | 9.3% | 10.7% | · | 8.3% | 8.7% | 8.6% | · | 10.6% | 10.2% | 11.6% | · | 10.1% | 10.3% | 8.3% | |
| Payout Ratio | · | · | · | 25.9% | · | · | · | 43.5% | · | · | · | 32.1% | · | · | · | 24.4% | |
| Annual Payout | · | $2M | $2M | $2M | · | $2M | $2M | $2M | · | $2M | $2M | $2M | · | $2M | $1M | $1M |
Most recent period on the left · null values shown as ·
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
| Metric | 2026-06-30 | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 |
|---|---|---|---|---|---|
| Revenue | $2M | $1M | $1M | $1M | $1M |
| Net Income | $6M | $4M | $4M | $6M | $5M |
| Diluted EPS | $2.02 | $1.26 | $1.17 | $1.81 | $1.41 |
No data for this statement
Not enough fundamentals data to build this statement yet.
No data for this statement
Not enough fundamentals data to build this statement yet.
Institutional owners (13F) 16 filers · $5.4M total · As of June 30, 2026
Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.
Holders
16
Value held
$5.4M
New positions
2
Exited positions
2
Institutional activity — Q2 2026 vs prior quarter
| New positions | Exited positions | Increased | Decreased | Net shares change |
|---|---|---|---|---|
| 2 (-2 vs prior Q) | 2 (+1 vs prior Q) | 5 (+5 vs prior Q) | 2 (-3 vs prior Q) | +10K |
Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.
| Institution | Value | Shares | % of tracked 13F | Type |
|---|---|---|---|---|
| STILWELL VALUE LLC | $1,679,200 | 80,000 | 31.38% | Shares |
| VANGUARD GROUP INC | $922,536 | 51,252 | 17.24% | Shares |
| VANGUARD CAPITAL MANAGEMENT LLC | $899,526 | 42,855 | 16.81% | Shares |
| ALLIANCEBERNSTEIN L.P. | $563,824 | 32,591 | 10.54% | Shares |
| GEODE CAPITAL MANAGEMENT, LLC | $316,291 | 15,062 | 5.91% | Shares |
| DIMENSIONAL FUND ADVISORS LP | $304,586 | 14,511 | 5.69% | Shares |
| VANGUARD FIDUCIARY TRUST CO | $208,704 | 9,943 | 3.90% | Shares |
| BEESE FULMER INVESTMENT MANAGEMENT, INC. | $203,603 | 9,700 | 3.81% | Shares |
| BlackRock, Inc. | $148,169 | 7,059 | 2.77% | Shares |
| NewEdge Advisors, LLC | $83,960 | 4,000 | 1.57% | Shares |
| Vanguard Global Advisers, LLC | $16,792 | 800 | 0.31% | Shares |
| UBS Group AG | $2,393 | 114 | 0.04% | Shares |
| Tower Research Capital LLC (TRC) | $777 | 37 | 0.01% | Shares |
| MORGAN STANLEY | $28 | 1 | 0.00% | Shares |
| BARCLAYS PLC | $21 | 1 | 0.00% | Shares |
| ACADIAN ASSET MANAGEMENT LLC | $7 | 356 | 0.00% | Shares |
Activists & 5%+ owners 6 positions
Investors who filed SEC Schedule 13D — beneficial ownership above 5% with an intent to influence the issuer (activist stakes, board campaigns, M&A). Each row shows the most recent known state of that filer's position.
| Filer | Filed | Stake | Status | Purpose | Filing |
|---|---|---|---|---|---|
| Herndon Daniel R, Herndon Lola W. | Oct. 21, 2025 | 6.30% | Amendment | Passive investment | SEC |
| Daniel R. Herndon ×3 filings | Dec. 13, 2021 | · | Initial filing | Passive investment | SEC |
| James R. Barlow ×2 filings | June 28, 2019 | · | Initial filing | Passive investment | SEC |
| Oct. 17, 2016 | · | Initial filing | · | SEC | |
| Stilwell Value Partners I, L.P., Stilwell Partners, L.P., Stilwell Value LLC, Joseph Stilwell ×4 filings | Feb. 7, 2013 | · | Initial filing | Board campaign | SEC |
| FJ Capital Long/Short Equity Fund LLC, Compo Investments Partners LP, Martin S Friedman ×2 filings | Dec. 10, 2012 | · | Initial filing | · | SEC |
Purpose is an automated classification of the filer's own stated purpose (SEC Item 4) — not investment advice. "—" means no clear purpose was stated or the text could not be classified.
Company insiders 17 insiders · 9 officers · 10 directors
| Insider | Role | Last activity | Shares owned | Buys 12m | Sells 12m | Net 12m |
|---|---|---|---|---|---|---|
| James R Barlow | Chairman, President & CEO*** | Aug. 4, 2026 D | 91,000 | 0 | 0 | $0 |
| Brad Ezernack | EVP & Chief Financial Officer | Dec. 18, 2025 A | 2,500 | 0 | 0 | $0 |
| Glen W. Brown | SVP & Chief Financial Officer | Nov. 11, 2024 F | 5,278 | 0 | 0 | $0 |
| Clyde D Patterson | Executive Vice President & CFO | Feb. 3, 2016 I | 26,132 | 0 | 0 | $0 |
| Mary L Jones | Sr. VP Retail & COO* | Oct. 15, 2025 M | 13,071 | 0 | 0 | $0 |
| Donna C. Lewis | Executive Vice President* | Dec. 18, 2025 A | 3,870 | 0 | 0 | $0 |
| Matthew K Sawrie | SVP Commercial Lending* | May 15, 2025 M | 71,152 | 0 | 0 | $0 |
| David Barber | SVP Mortgage Lending *** | Feb. 5, 2024 F | 5,957 | 0 | 0 | $0 |
| Herndon Daniel R | Chairman of the Board*** | Oct. 26, 2019 F | 81,379 | 0 | 0 | $0 |
| Timothy W. Wilhite | Director | July 22, 2026 M | 51,896 | 0 | 0 | $0 |
| Scott D Lawrence | Director | May 27, 2026 M | 77,092 | 0 | 0 | $0 |
| Mark Malloy Harrison | Director | March 20, 2026 M | 56,772 | 0 | 0 | $0 |
| Thomas Steen Trawick JR | Director | Dec. 18, 2025 A | 20,779 | 0 | 0 | $0 |
| Walter T Colquitt III | Director | Jan. 19, 2022 M | 30,968 | 0 | 0 | $0 |
| Woodus K Humphrey | Director | Jan. 31, 2016 D | 10,867 | 0 | 0 | $0 |
| David A Herndon III | Director | Nov. 24, 2015 M | 31,494 | 0 | 0 | $0 |
| Martin S. Friedman | 10% owner | June 10, 2015 S | 170,724 | 0 | 0 | $0 |
Insiders from SEC Form 3/4/5 filings; net = open-market P/S only
ETF ownership Held by 8 ETFs
Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.
| Fund | Weight | Units | As of | Source |
|---|---|---|---|---|
| IWC · iShares Trust | 0.01% | 6,581 SH | Sept. 11, 2026 | Daily |
| DFSU · Dimensional ETF Trust | 0.00% | 810 NS | July 31, 2026 | N-PORT |
| DCOR · Dimensional ETF Trust | 0.00% | 820 NS | July 31, 2026 | N-PORT |
| DFAT · Dimensional ETF Trust | 0.00% | 790 NS | July 31, 2026 | N-PORT |
| DFUS · Dimensional ETF Trust | 0.00% | 531 NS | July 31, 2026 | N-PORT |
| VXF · VANGUARD INDEX FUNDS | 0.00% | 17,467 SH | Aug. 19, 2026 | Daily |
| VTI · VANGUARD INDEX FUNDS | 0.00% | 25,388 SH | Aug. 19, 2026 | Daily |
| DFAC · Dimensional ETF Trust | 0.00% | 603 NS | July 31, 2026 | N-PORT |
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Source: SEC 10-K filed Sep 25, 2026