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HFBL

Home Federal Bancorp of LouisianaD
Nasdaq / Banks
Last Price
Quote time unavailable
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Current thesis
Outperformance driven by rising NIM, stable credit, and modest multiple expansion; community banking premium reasserts into H1–H2 2027.
Posture
Defensive
Lead driver
Sentiment
What changed
Sentiment remains the lead driver in the composite.
What can break
Capital or dividend actions that reduce shareholder returns
Momentum
49
Value
60
Sentiment
45
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $18.16 · Bull $24.10 · Bear $13.50Analysis 2026-01-24; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-08-17 • Vendor: Data Vendor v1
Scores
As of 2026-09-09 • Model: HYBRID_IC_RP
AI Memo
As of 2026-01-24 • Model: RankAlpha Sentiment AI
Investment thesis
As of 2026-09-09

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-09-09. Definitions

Supporting evidence
What
Grade D · Defensive
Confidence Medium · Net Neutral
Why
Momentum49 · Δ7d -
Value60 · Δ7d -0.0
Sentiment45 · Δ7d -
So what
Weak posture (Net Neutral). Prioritize risk control and patience.

Confirming evidence

  • • Sentiment remains the lead driver in the composite.

Contradictions & invalidation

  • • Capital or dividend actions that reduce shareholder returns
  • • Local credit deterioration increasing loan-loss provisions
  • • Compression of NIM, unexpected credit deterioration in local markets, or an adverse capital action could push shares materially lower.

Catalyst clock

2026-04-24

Dividend declaration or capital action

Lead driver: Sentiment · See AI snapshot
Momentum
49
9% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Value
60
28% active weight
Current posture
7d trendFlat
Δ7d
-0.0
Δ21d
-0.1
Sentiment
45
62% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Why this grade

Composite grade D. Momentum 48.6 / Value 60.2 / Sentiment 44.6

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-01-24. Scenario method

B+
Bull case
25%
Probability
Target price
$24.10
Analysis reference price unavailable
Analysis 2026-01-24 · RankAlpha Sentiment AI
Most likely
B
Base case
60%
Probability
Target price
$18.16
Analysis reference price unavailable
Analysis 2026-01-24 · RankAlpha Sentiment AI
B-
Bear case
15%
Probability
Target price
$13.50
Analysis reference price unavailable
Analysis 2026-01-24 · RankAlpha Sentiment AI
Fundamentals (TTM)
As of 2026-08-17
Market Cap
$73.9M
Beta
0.33
Shares Out
3.05M
P/E (TTM)
11.8
P/S (TTM)
2.47
P/FCF (TTM)
9.47
Rev YoY
+7.9%
EPS YoY
+19.4%
Gross Margin
-
Op Margin
+22.3%
Net Debt
-$2.61M
Current Ratio
0.06
As of 2026-09-09 • Updated nightlySource: Internal modelMethods & Data