Estados financieros detallados de Home Federal Bancorp, Inc. of Louisiana (HFBL): cuenta de resultados, balance general y flujo de caja. Sigue la evolución de márgenes, deuda, liquidez y rentabilidad año a año con hasta 20 años de histórico.
Resumen del Análisis
Home Federal Bancorp, Inc. of Louisiana registró ingresos de $35.0M en el último ejercicio fiscal, con un CAGR de 5 años del 6.7%. El beneficio neto alcanzó $6.2M, con un CAGR a 5 años del 2.8%.
Márgenes de los últimos 12 meses: margen bruto 67.6%, margen operativo 21.1%, margen neto 18.2%.
Al precio actual de $24.20, HFBL cotiza a un P/E de 12.56 y un ROE del 10.69%. La capitalización bursátil es de $74M.
Cuenta de Resultados (10 años)
| Año | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|
| Ingresos | $20.5M | $21.1M | $21.9M | $23.9M | $25.3M | $22.5M | $28.5M | $33.3M | $32.3M | $35.0M |
| Coste de Ventas | $3.7M | $4.5M | $5.1M | $7.0M | $5.1M | $2.2M | $5.9M | $13.0M | $11.7M | $11.3M |
| Beneficio Bruto | $16.8M | $16.6M | $16.8M | $16.9M | $20.2M | $20.3M | $22.6M | $20.4M | $20.7M | $23.7M |
| I+D | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Generales y Administrativos | $7.7M | $6.8M | $6.9M | $8.0M | $9.0M | $9.5M | $9.7M | $10.3M | $640000 | $600000 |
| Gastos Operativos | $11.3M | $10.8M | $10.8M | $12.1M | $13.4M | $14.3M | $15.8M | $16.3M | $16.0M | $15.9M |
| Beneficio Operativo | $5.4M | $5.8M | $6.0M | $4.8M | $6.8M | $6.0M | $6.8M | $4.1M | $4.7M | $7.8M |
| EBITDA | $5.9M | $6.3M | $6.6M | $5.5M | $7.5M | $6.8M | $7.6M | $5.3M | $6.0M | $7.8M |
| Gastos por Intereses | $2.8M | $3.5M | $4.5M | $5.2M | $3.3M | $1.9M | $5.1M | $12.9M | $11.8M | $10.7M |
| Beneficio Antes de Impuestos | $5.4M | $5.8M | $6.0M | $4.8M | $6.8M | $6.0M | $6.8M | $4.1M | $4.7M | $7.8M |
| Impuestos | $1.8M | $2.3M | $1.3M | $957000 | $1.4M | $1.1M | $1.1M | $476000 | $766000 | $1.6M |
| Beneficio Neto | $3.7M | $3.6M | $4.7M | $3.9M | $5.4M | $4.9M | $5.7M | $3.6M | $3.9M | $6.2M |
| BPA | $1.00 | $1.03 | $1.34 | $1.14 | $1.66 | $1.50 | $1.89 | $1.18 | $1.27 | $2.05 |
| BPA Diluido | $0.96 | $0.97 | $1.25 | $1.07 | $1.57 | $1.41 | $1.81 | $1.17 | $1.26 | $2.01 |
| Acciones en Circulación (Diluidas) | $3.8M | $3.7M | $3.8M | $3.6M | $3.4M | $3.5M | $3.2M | $3.1M | $3.1M | $3.1M |
Cuenta de Resultados (Trimestral)
| Año | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Ingresos | $8.6M | $8.4M | $8.0M | $9.0M |
| Beneficio Bruto | $5.8M | $5.6M | $5.4M | $6.1M |
| Beneficio Operativo | $2.0M | $2.1M | $1.2M | $1.9M |
| EBITDA | $2.4M | $2.4M | $1.5M | $1.9M |
| Beneficio Neto | $1.6M | $1.7M | $1.5M | $1.4M |
| BPA | $0.53 | $0.55 | $0.49 | $0.47 |
| BPA Diluido | $0.52 | $0.54 | $0.48 | $0.47 |
Balance (10 años)
| Año | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|
| Caja y Equivalentes | $6.1M | $7.1M | $15.3M | $36.8M | $60.8M | $42.3M | $19.8M | $15.2M | $16.2M | $34.3M |
| Inversiones a Corto | $36.9M | $29.3M | $41.7M | $42.1M | $29.6M | $28.1M | $39.6M | $27.0M | $34.2M | $43.6M |
| Cuentas por Cobrar | $1.1M | $1.1M | $1.2M | $1.9M | $1.2M | $1.1M | $1.8M | $1.8M | $1.8M | $1.9M |
| Inventario | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Activos Corrientes | $44.2M | $37.5M | $58.2M | $80.7M | $91.5M | $71.5M | $61.1M | $44.1M | $52.3M | $555.3M |
| Inmovilizado Material | $12.2M | $12.2M | $13.6M | $13.2M | $14.9M | $16.2M | $16.6M | $18.3M | $17.3M | $16.2M |
| Fondo de Comercio | 0 | 0 | 0 | 0 | 0 | 0 | $3.0M | $3.0M | $3.0M | $3.0M |
| Activos Intangibles | 0 | 0 | 0 | 0 | 0 | 0 | $1.5M | $1.2M | $915000 | $675000 |
| Activos Totales | $426.6M | $421.6M | $442.5M | $518.2M | $565.7M | $590.5M | $660.9M | $637.5M | $609.5M | $643.3M |
| Cuentas por Pagar | 0 | 0 | 0 | 0 | 0 | $2.6M | $3.9M | 0 | 0 | 0 |
| Deuda a Corto | $37.0M | $5.6M | $745000 | $2.5M | $2.4M | $3.2M | $8.6M | $7.0M | $4.0M | 0 |
| Pasivos Corrientes | $367.8M | $367.5M | $390.5M | $466.3M | $511.7M | $540.4M | $613.7M | $578.7M | $550.3M | 0 |
| Deuda a Largo | $11.9M | $6.4M | $1.1M | $867000 | $832000 | 0 | 0 | 0 | 0 | $3.6M |
| Pasivos Totales | $380.4M | $374.6M | $392.1M | $467.7M | $513.0M | $538.1M | $610.4M | $584.7M | $554.3M | $584.6M |
| Reservas | $13.3M | $14.1M | $15.4M | $13.9M | $15.5M | $14.5M | $12.7M | $14.1M | $15.2M | $16.4M |
| Patrimonio Neto | $46.2M | $47.0M | $50.3M | $50.5M | $52.7M | $52.3M | $50.5M | $52.8M | $55.2M | $58.8M |
| Deuda Total | $48.9M | $11.9M | $1.8M | $3.4M | $3.3M | $3.2M | $8.6M | $7.0M | $4.0M | $3.6M |
| Deuda Neta | $5.8M | -$24.5M | -$55.2M | -$75.5M | -$87.1M | -$67.2M | -$50.8M | -$35.3M | -$46.4M | -$74.4M |
| Capital Circulante | -$323.6M | -$330.0M | -$332.3M | -$385.6M | -$420.3M | -$468.9M | -$552.6M | -$534.6M | -$498.0M | $555.3M |
Balance (Trimestral)
| Año | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Caja y Equivalentes | $26.5M | $19.3M | $28.9M | $6.2M |
| Activos Totales | $622.6M | $621.4M | $641.6M | $643.3M |
| Pasivos Totales | $566.0M | $563.7M | $583.6M | $584.6M |
| Patrimonio Neto | $56.6M | $57.7M | $58.0M | $58.8M |
| Deuda Total | $4.0M | $4.0M | $5.6M | $3.6M |
Flujo de Caja (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Beneficio Neto | $3.4M | $3.7M | $3.6M | $4.7M | $3.9M | $5.4M | $4.9M | $5.7M | $3.6M | $3.9M |
| Amortizaciones | $441000 | $505000 | $503000 | $536000 | $653000 | $665000 | $763000 | $869000 | $1.3M | $1.4M |
| Compensación en Acciones | $794000 | $844000 | $627000 | $670000 | $641000 | $566000 | $675000 | $619000 | $500000 | $424000 |
| Cambio en Capital Circulante | $189000 | -$85000 | -$27000 | -$29000 | -$360000 | $483000 | $294000 | $601000 | -$638000 | $257000 |
| Flujo de Caja Operativo | $7.1M | $3.4M | $13.1M | $4.8M | $200000 | $8.3M | $17.1M | $12.1M | $2.3M | $5.5M |
| Inversiones (CapEx) | -$2.6M | -$671000 | -$516000 | -$2.6M | -$970000 | -$2.4M | -$2.6M | -$1.2M | -$2.7M | -$46000 |
| Adquisiciones | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -$10.2M | 0 | 0 |
| Recompra de Acciones | -$3.4M | -$645000 | -$2.0M | -$2.4M | -$4.1M | -$2.6M | -$4.5M | -$6.0M | -$487000 | -$1.1M |
| Dividendos Pagados | -$660000 | -$705000 | -$924000 | -$1.1M | -$1.1M | -$1.1M | -$1.4M | -$1.5M | -$1.6M | -$1.6M |
| Flujo de Caja Libre | $4.4M | $2.7M | $12.6M | $2.2M | -$770000 | $6.0M | $14.5M | $10.9M | -$368000 | $5.4M |
Flujo de Caja (Trimestral)
| Año | 2025-Q2 | 2025-Q3 | 2025-Q4 | 2026-Q1 |
|---|
| Flujo de Caja Operativo | $1.0M | $2.8M | $2.9M | -$1.3M |
| Inversiones (CapEx) | -$10000 | -$8000 | 0 | -$3000 |
| Flujo de Caja Libre | $1.0M | $2.8M | $2.9M | -$1.3M |
| Dividendos Pagados | -$406000 | -$415000 | -$418000 | -$417000 |
| Compensación en Acciones | $55000 | $63000 | $170000 | $56000 |
Crecimiento y Márgenes (10 años)
| Año | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|
| Crecimiento Ingresos (anual) | | +3.3% | +3.8% | +9.0% | +5.9% | -11.2% | +26.8% | +16.7% | -2.9% | +8.2% |
| Crecimiento Beneficio Neto (anual) | | -2.3% | +32.9% | -18.8% | +39.4% | -9.2% | +17.1% | -37.0% | +8.2% | +58.8% |
| Crecimiento BPA (anual) | | +3.0% | +30.1% | -14.9% | +45.6% | -9.6% | +26.0% | -37.6% | +7.6% | +61.4% |
| Cambio en Acciones (anual) | | -3.3% | +2.6% | -5.1% | -4.7% | +1.1% | -9.0% | -2.2% | +0.2% | -0.6% |
| Crecimiento FCF (anual) | | -39.0% | +365.5% | -82.6% | -135.2% | +876.4% | +142.3% | -24.6% | -103.4% | +1574.5% |
| Margen Bruto | 81.9% | 78.5% | 76.6% | 70.5% | 79.9% | 90.2% | 79.2% | 61.2% | 63.9% | 67.7% |
| Margen Operativo | 26.4% | 27.5% | 27.5% | 20.1% | 26.9% | 26.7% | 23.7% | 12.2% | 14.4% | 22.3% |
| Margen EBITDA | 28.9% | 29.9% | 29.9% | 22.8% | 29.5% | 30.1% | 26.8% | 16.1% | 18.6% | 22.3% |
| Margen Neto | 17.9% | 16.9% | 21.6% | 16.1% | 21.2% | 21.7% | 20.0% | 10.8% | 12.0% | 17.7% |
| Margen FCF | 21.7% | 12.8% | 57.4% | 9.1% | -3.0% | 26.6% | 50.8% | 32.8% | -1.1% | 15.5% |
| Tasa Impositiva Efectiva | 32.5% | 38.7% | 21.3% | 19.9% | 21.2% | 18.8% | 15.7% | 11.7% | 16.5% | 20.7% |
Datos por Acción (10 años)
| Año | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|
| FCF por Acción | $1.16 | $0.73 | $3.32 | $0.61 | $-0.22 | $1.73 | $4.59 | $3.54 | $-0.12 | $1.77 |
| Dividendo por Acción | $0.17 | $0.19 | $0.24 | $0.29 | $0.33 | $0.32 | $0.43 | $0.50 | $0.51 | $0.53 |
| Acciones en Circulación (Básicas) | $3.6M | $3.5M | $3.5M | $3.4M | $3.2M | $3.3M | $3.0M | $3.0M | $3.1M | $3.0M |
Qué mirar en empresas de Financial Services
- Efficiency Ratio (≤55%) — Gastos operativos / ingresos. Bancos top por debajo del 55%.
- ROA (≥1%) — Cuánto ganan por cada euro de activos. En banca el ROE engaña por el apalancamiento.
- ROTCE (≥12%) — Rentabilidad sobre Capital Tangible. Descuenta goodwill e intangibles.
- Capital / Activos (proxy Tier 1) (≥8%) — Proxy del ratio de capital. FMP no expone Tier 1 regulatorio directo.
- P/B (1,0-1,5x) — Métrica clásica bancaria. <1x puede ser oportunidad o distress.
- Rentabilidad por dividendo sostenible (≥2%, <8%) — Bancos UE pagan 5-7% sin estrés. >8% es señal de distress.
Rentabilidad
| Rentabilidad sobre capital | 10.69% |
| Rentabilidad sobre capital invertido | 0.88% |
| Rentabilidad sobre activos | 0.96% |
| Margen bruto | 67.55% |
| Margen operativo | 21.07% |
| Margen neto | 18.16% |
Salud financiera
| Deuda / Patrimonio | 0.06 |
| Ratio corriente | 0.00 |
Ratios Clave (10 años)
| Año | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|
| P/E | 13.48 | 15.27 | 12.31 | 10.88 | 11.75 | 13.11 | 7.43 | 9.74 | 10.71 | 10.24 |
| P/VC | 1.06 | 1.16 | 1.16 | 0.83 | 1.19 | 1.22 | 0.84 | 0.66 | 0.75 | 1.08 |
| P/V | 2.39 | 2.58 | 2.66 | 1.74 | 2.49 | 2.84 | 1.49 | 1.05 | 1.29 | 1.81 |
| Margen Bruto | 81.9% | 78.5% | 76.6% | 70.5% | 79.9% | 90.2% | 79.2% | 61.2% | 63.9% | 67.7% |
| Margen Operativo | 26.4% | 27.5% | 27.5% | 20.1% | 26.9% | 26.7% | 23.7% | 12.2% | 14.4% | 22.3% |
| Margen Neto | 17.9% | 16.9% | 21.6% | 16.1% | 21.2% | 21.7% | 20.0% | 10.8% | 12.0% | 17.7% |