Reported Q: Q1 2026 Rev YoY: +65.7% EPS YoY: +152.4% Move: +3.44%
Home Federal Bancorp Inc
HFBL
$19.08 3.44%
Exchange NASDAQ Sector Financial Services Industry Banks Regional
Q1 2026
Published: Oct 23, 2025

Company Status Snapshot

Fast view of the latest quarter outcome for HFBL

Reported

Report Date

Oct 23, 2025

Quarter Q1 2026

Revenue

8.01M

YoY: +65.7%

EPS

0.52

YoY: +152.4%

Market Move

+3.44%

Previous quarter: Q3 2025

Follow this company to get upcoming quarter alerts automatically.

Earnings Highlights

  • Revenue of $8.01M up 65.7% year-over-year
  • EPS of $0.52 increased by 152.4% from previous year
  • Net income of 1.60M
  • "Not disclosed in the provided materials." - N/A
HFBL
Company HFBL

Executive Summary

HFBL posted a strong start to QQ1 2026 with revenue of $8.01 million and net income of $1.60 million, translating to EPS of $0.53 (diluted $0.52). The year‑over‑year and quarter‑over‑quarter momentum is evident in metrics such as operating income of $2.02 million and an EBITDA of $2.02 million, with an EBITDA margin of roughly 25.18% and a pre‑tax margin of about 25.18%. Net margin reached ~19.96% for the period. The quarterly performance reflects meaningful top‑line expansion (YoY revenue +65.7%, YoY net income +150.6%) alongside continued cost discipline (GA&A and SG&A combined around $114k + $29k + $85k in the period, per line items) and a stable tax rate (~20.7%). However, the quarter exhibits an unusual financing dynamic: interest expense is reported at $2.75 million in the period, which raises questions about the mix of debt versus operating earnings; management commentary (when available) would be essential to confirm whether this reflects one‑time financing costs, nonrecurring items, or a structural cost of funds that could compress margins in a rising‑rates environment. The balance sheet shows total assets of $622.6 million and total stockholders’ equity of $56.6 million, with cash and cash equivalents of $26.5 million and total cash + short‑term investments of $63.8 million, yielding a negative net debt of approximately $26.5 million—indicating ample liquidity. The loan portfolio position is sizable at net receivables of $466.2 million, implying meaningful loan growth potential but also illustrating elevated exposure to credit risk dynamics in the Louisiana regional market. These results place HFBL in the upper end of profitability among small regional banks on a margin basis, while the liquidity position provides a cushion against funding volatility. The absence of formal forward guidance in the provided data requires a cautious outlook that hinges on loan growth, deposit stability, and ongoing expense discipline.

Key Performance Indicators

Revenue
Increasing
8.01M
QoQ: 1.17% | YoY: 65.67%
Operating Income
Increasing
2.02M
QoQ: 111.20% | YoY: 144.78%
Net Income
Increasing
1.60M
QoQ: 113.77% | YoY: 150.63%
EPS
Increasing
0.53
QoQ: 120.83% | YoY: 152.38%

Revenue Trend

Margin Analysis

Historical Earnings Comparison

PeriodRevenue ($M)EPS ($)YoY GrowthReport
Q1 2026 8.01 0.52 +65.7% View
Q3 2025 7.92 0.24 +61.6% View
Q2 2025 8.12 0.33 -0.8% View
Q1 2025 4.70 0.31 -17.8% View
Q4 2024 4.84 0.21 -18.1% View