RankAlpha logo
Back to Rankings

HFBL

Home Federal Bancorp of LouisianaC
Nasdaq / Banks
Last Price
Quote time unavailable
View Chart
Current thesis
Outperformance driven by rising NIM, stable credit, and modest multiple expansion; community banking premium reasserts into H1–H2 2027.
Posture
Mixed
Lead driver
Value
What changed
Value remains the lead driver in the composite, 7D delta +3.1.
What can break
Capital or dividend actions that reduce shareholder returns
Momentum
49
Value
62
Sentiment
48
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 2026-10-23 • Vendor: Data Vendor v1
Scores
As of 2026-10-23 • Model: HYBRID_IC_RP
AI Memo
As of 2026-01-24 • Model: RankAlpha Sentiment AI
Investment thesis
As of 2026-10-23

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-23. Definitions

Supporting evidence
What
Grade C · Mixed
Confidence Medium · Net Neutral
Why
Momentum49 · Δ7d -
Value62 · Δ7d +3.1
Sentiment48 · Δ7d -
So what
Balanced signals (Net Neutral). Wait for confirmation before sizing up.

Confirming evidence

  • • Value remains the lead driver in the composite, 7D delta +3.1.

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: Value · See fundamentals
Momentum
49
8% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Value
62
47% active weight
Current posture
7d trendImproving
Δ7d
+3.1
Δ21d
+5.5
Sentiment
48
45% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Why this grade

Composite grade C. Momentum 48.6 / Value 62.2 / Sentiment 47.7

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 2026-10-23
Market Cap
$65.16M
Beta
0.33
Shares Out
3.03M
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 2026-10-23 • Updated nightlySource: Internal modelMethods & Data