Home Federal Bancorp Inc (Louisiana)
HFBLFinancial·Banks - Regional·USA·Micro·NASD·Nov 11 • 3:59 PM ET
24.00+0.03 (0.13%)
2026-11-11 22:33 CET
Market cap
72.64 USD m
Revenue, TTM
- USD m
Net income, TTM
6.49 USD m
Free cash flow, TTM
- USD m
EPS diluted, TTM
2.11
P/E
11.38
Price
HFBL against its 20, 50 and 200-day averages2050200earnings
14.3% under the 52-week high of 28.00 on 20 Aug 2026. 52-week low 12.83 on 31 Jul 2025. Last 15 sessions, 21.3% high to low
Volume 0.24× normal · the line is the 50-bar volume average
Profile
HFBL52-week range, 70% of the way up
14.4728.00
Home Federal Bancorp, Inc. of Louisiana is a holding company, which provides financial services to individuals, corporate entities, and other organizations. It provides services through the origination of loans and the acceptance of deposits in the form of passbook savings, certificates of deposit, and demand deposit accounts. The company was founded on April 1, 1924 and is headquartered in Shreveport, LA.
| Employees | 74 |
|---|---|
| IPO | Jan 21, 2005 |
| Beta | 0.44 |
| ATR, 14d | 0.85 |
| Rel volume | 0.24 |
| Short float | 0.18% |
| Insider own | 37.16% |
| Inst own | 8.15% |
Snapshot
6 groupsValuation
| Index | - |
|---|---|
| Market Cap | 72.73M |
| Enterprise Value | - |
| Income | 6.49M |
| Sales | 35.71M |
| Book/sh | 19.39 |
| Cash/sh | - |
| Dividend Est. | - |
| Dividend TTM | 0.57 (2.38%) |
| Dividend Ex-Date | Nov 02, 2026 |
| Dividend Gr. 3/5Y | 4.00% 10.35% |
| Payout | 26.80% |
| Employees | 74 |
| IPO | Jan 21, 2005 |
Ratios
| P/E | 11.38 |
|---|---|
| Forward P/E | - |
| PEG | - |
| P/S | 2.04 |
| P/B | 1.24 |
| P/C | - |
| P/FCF | 9.58 |
| EV/EBITDA | - |
| EV/Sales | - |
| Quick Ratio | - |
| Current Ratio | 0.06 |
| Debt/Eq | 0.30 |
| LT Debt/Eq | 0.30 |
| Option/Short | No / Yes |
Earnings
| EPS (ttm) | 2.11 |
|---|---|
| EPS next Y | - |
| EPS next Q | - |
| EPS this Y | - |
| EPS next Y | - |
| EPS next 5Y | - |
| EPS past 3/5Y | 3.66% 5.17% |
| Sales past 3/5Y | 6.77% 6.36% |
| EPS Y/Y TTM | 43.98% |
| Sales Y/Y TTM | 7.94% |
| EPS Q/Q | 18.19% |
| Sales Q/Q | 8.59% |
| Earnings | - |
| EPS/Sales Surpr. | - - |
Ownership
| Insider Own | 37.16% |
|---|---|
| Insider Trans | 0.00% |
| Inst Own | 8.15% |
| Inst Trans | 2.55% |
| ROA | 1.01% |
| ROE | 11.25% |
| ROIC | 8.50% |
| Gross Margin | - |
| Oper. Margin | 22.74% |
| Profit Margin | 18.16% |
| SMA20 | 4.41% |
| SMA50 | -0.77% |
| SMA200 | 20.65% |
| Trades | - |
Technical
| Shs Outstand | 3.03M |
|---|---|
| Shs Float | 1.90M |
| Short Float | 0.18% |
| Short Ratio | 1.13 |
| Short Interest | 0.00M |
| 52W High | 28.00 -14.29% |
| 52W Low | 14.47 65.86% |
| Volatility | 1.45% 2.85% |
| ATR (14) | 0.85 |
| RSI (14) | 54.16 |
| Beta | 0.44 |
| Rel Volume | 0.24 |
| Avg Volume | 3.04K |
| Volume | 739 |
Performance
| Perf Week | 7.38% |
|---|---|
| Perf Month | -0.66% |
| Perf Quarter | -0.04% |
| Perf Half Y | 21.52% |
| Perf YTD | 33.33% |
| Perf Year | 51.32% |
| Perf 3Y | 83.07% |
| Perf 5Y | 24.68% |
| Perf 10Y | 100.00% |
| Recom | - |
| Target Price | - |
| Prev Close | 23.97 |
| Price | 24.00 |
| Change % | 0.13% |
Peers
Mkt cap| Ticker | Company | Mkt cap |
|---|---|---|
| CLST | Catalyst Bancorp Inc | 69.96M |
| HBCP | Home Bancorp Inc | 480.52M |
| RRBI | Red River Bancshares Inc | 685.15M |
| FGBI | First Guaranty Bancshares Inc | 217.46M |
| ISTR | Investar Holding Corp | 386.55M |
| TCBS | Texas Community Bancshares Inc | 49.69M |
| BFST | Business First Bancshares Inc | 1.05B |
| OBK | Origin Bancorp Inc | 1.64B |
| FUSB | First US Bancshares Inc | 84.35M |
| AUBN | Auburn National Bancorp Inc | 88.37M |
Insider trading
5 filings| Insider | Relationship | Date | Transaction | Cost | Shares | Value | Total held | Form |
|---|---|---|---|---|---|---|---|---|
| HARRISON MARK MALLOY | Director | Oct 28 '26 | Option Exercise | 11.86 | 5,000 | 59,300 | 61,772 | Oct 30 02:23 PM |
| WILHITE TIMOTHY W. | Director | Jul 22 '26 | Option Exercise | 11.86 | 3,000 | 35,580 | 51,896 | Jul 22 04:14 PM |
| Lawrence Scott D | Director | May 27 '26 | Option Exercise | 11.86 | 1,800 | 21,348 | 77,092 | Jul 10 12:34 PM |
| HARRISON MARK MALLOY | Director | Mar 20 '26 | Option Exercise | 11.86 | 2,000 | 23,720 | 56,772 | Apr 15 05:39 PM |
| WILHITE TIMOTHY W. | Director | Jan 06 '26 | Option Exercise | 11.86 | 6,000 | 71,160 | 48,896 | Jan 06 04:57 PM |
Held by
AUM| Ticker | Company | AUM |
|---|---|---|
| VTI | Vanguard Morningstar Total Stock Market ETF | AUM: 687.42B |
| VXF | Vanguard Extended Market Index ETF | AUM: 30.47B |
| IWC | iShares Micro-Cap ETF | AUM: 1.22B |
| DFAC | U.S. Core Equity 2 Portfolio-ETF Class Shares | AUM: 49.14B |
| DCOR | US Core Equity 1 Portfolio ETF Class Shares | AUM: 3.65B |
| DXUV | US Vector Equity Portfolio ETF Class Shares | AUM: 665.71M |
| DFSU | Dimensional US Sustainability Core 1 ETF | AUM: 2.38B |
| DFAT | U.S. Targeted Value Portfolio-ETF Class Shares | AUM: 14.47B |
| DFUS | Dimensional U.S. Equity Market ETF | AUM: 21.40B |
News
latest 14 of 200- HOME FEDERAL BANCORP, INC. OF LOUISIANA REPORTS RESULTS OF OPERATIONS FOR THE THREE MONTHS ENDED SEPTEMBER 30, 2026 (GlobeNewswire) +12.24%
- Home Federal Bancorp, Inc. of Louisiana Declares Quarterly Cash Dividend (GlobeNewswire)
- HOME FEDERAL BANCORP, INC. OF LOUISIANA REPORTS RECORD ANNUAL EARNINGS AND RESULTS OF OPERATIONS FOR THE THREE MONTHS AND YEAR ENDED JUNE 30, 2026 (GlobeNewswire)
- Home Federal Bancorp, Inc. of Louisiana Increases Quarterly Cash Dividend for 13th Consecutive Year (GlobeNewswire)
- HOME FEDERAL BANCORP, INC. OF LOUISIANA REPORTS RESULTS OF OPERATIONS FOR THE THREE AND NINE MONTHS ENDED MARCH 31, 2026 (GlobeNewswire)
- Home Federal Bancorp, Inc. Of Louisiana Declares Quarterly Cash Dividend (GlobeNewswire)
- HOME FEDERAL BANCORP, INC. OF LOUISIANA REPORTS RESULTS OF OPERATIONS FOR THE THREE AND SIX MONTHS ENDED DECEMBER 31, 2025 (GlobeNewswire)
- Home Federal Bancorp, Inc. of Louisiana Declares Quarterly Cash Dividend (GlobeNewswire)
- HOME FEDERAL BANCORP, INC. OF LOUISIANA REPORTS RESULTS OF OPERATIONS FOR THE THREE MONTHS ENDED SEPTEMBER 30, 2025 (GlobeNewswire)
- Home Federal Bancorp, Inc. of Louisiana Declares Quarterly Cash Dividend and Announces Approval of Stock Repurchase Program (GlobeNewswire)
- Home Federal Bancorp, Inc. of Louisiana Reports Results of Operations for the Three Months and Year Ended June 30, 2025 (GlobeNewswire)
- Home Federal Bancorp, Inc. of Louisiana Increases Quarterly Cash Dividend for 12th Consecutive Year (GlobeNewswire)
- Dividend Champion, Contender, And Challenger Highlights: Week Of May 4 (Seeking Alpha)
- HOME FEDERAL BANCORP, INC. OF LOUISIANA REPORTS RESULTS OF OPERATIONS FOR THE THREE AND NINE MONTHS ENDED MARCH 31, 2025 (GlobeNewswire)
Quarterly earnings
actual against estimate| Period | Reported | EPS act | EPS est | EPS rep | Sales act | Sales est | Analysts |
|---|---|---|---|---|---|---|---|
| 2026Q3 | 2026-04-30 | - | - | 0.480 | 6.03 | - | - |
| 2026Q2 | 2026-01-28 | - | - | 0.545 | 6.02 | - | - |
| 2026Q1 | 2025-10-23 | - | - | 0.525 | 5.91 | - | - |
| 2025Q4 | 2025-07-29 | - | - | 0.385 | 5.65 | - | - |
| 2025Q3 | 2025-05-01 | - | - | 0.242 | 5.21 | - | - |
| 2025Q2 | 2025-01-30 | - | - | 0.332 | 5.09 | - | - |
| 2025Q1 | 2024-10-29 | - | - | 0.306 | 4.73 | - | - |
| 2024Q4 | 2024-07-26 | - | - | 0.209 | 4.87 | - | - |
| 2024Q3 | 2024-04-26 | - | - | 0.237 | 4.91 | - | - |
| 2024Q2 | 2024-01-25 | - | - | 0.325 | 5.04 | - | - |
| 2024Q1 | 2023-10-30 | - | - | 0.393 | 5.72 | - | - |
| 2023Q4 | 2023-07-31 | - | - | 0.404 | 5.95 | - | - |
| 2023Q3 | 2023-04-28 | 0.480 | - | 0.339 | 5.98 | - | - |
| 2023Q2 | 2023-01-26 | - | - | 0.547 | 5.86 | - | - |
| 2023Q1 | 2022-10-27 | - | - | 0.518 | 5.85 | - | - |
| 2022Q4 | 2022-07-28 | - | - | 0.310 | 5.27 | - | - |
Annual earnings
| Period | EPS act | EPS est | EPS rep | Sales act | Sales est |
|---|---|---|---|---|---|
| 2010FY | 0.115 | - | 0.115 | 6.58 | - |
Estimate revisions
last 14 periods| Period | Type | Date | Estimates | Up | Down | Mean | Low | High |
|---|---|---|---|---|---|---|---|---|
| No estimate revisions. | ||||||||
Estimate history
| EPS, annual | 0.934 | 1.252 | 1.071 | 1.566 | 1.406 | 1.809 | 1.166 | 1.263 | 2.015 | 2.1084 |
|---|---|---|---|---|---|---|---|---|---|---|
| Period | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | TTM |
| EPS, quarterly | 0.306 | 0.332 | 0.242 | 0.385 | 0.525 | 0.545 | 0.48 | 0.464 | 0.62 | |
| Period | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 | Q4 '26 | Q1 '27 | |
| Sales, annual | 21.411 | 22.231 | 24.235 | 25.697 | 22.71 | 28.73 | 33.448 | 32.467 | 34.97 | 35.71 |
| Period | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | TTM |
| Sales, quarterly | 8.041 | 8.146 | 7.963 | 8.317 | 8.66 | 8.701 | 8.636 | 8.973 | 9.404 | |
| Period | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 | Q4 '26 | Q1 '27 | |
| Shares, annual | 3.788 | 3.691 | 3.28 | 3.204 | 3.388 | 3.03 | 3.061 | 3.021 | 2.99 | 3.031 |
| Period | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | MRQ |
| Shares, quarterly | 3.13 | 3.133 | 3.119 | 3.021 | 3.002 | 3.014 | 2.996 | 2.99 | 3.031 | |
| Period | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 | Q4 '26 | Q1 '27 |
Income statement, annual
| Metric | TTM | 2026FY | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY | 2020FY | 2019FY |
|---|---|---|---|---|---|---|---|---|---|
| Interest Income | 33.19 | 32.50 | 30.46 | 31.86 | 26.63 | 19.23 | 20.25 | 20.34 | 19.85 |
| Total Interest Expense | 10.75 | 10.71 | 11.79 | 12.91 | 5.08 | 1.88 | 3.30 | 5.15 | 4.53 |
| Net Interest Income | 22.43 | 21.79 | 18.67 | 18.95 | 21.55 | 17.36 | 16.94 | 15.18 | 15.31 |
| Loan Loss Provision | 0.83 | 0.59 | -0.13 | 0.04 | 0.87 | 0.34 | 1.80 | 1.89 | 0.60 |
| Net Interest Income After Loan Loss Provision | 21.61 | 21.20 | 18.80 | 18.91 | 20.68 | 17.02 | 15.14 | 13.29 | 14.71 |
| Non-Interest Income | 2.53 | 2.47 | 2.00 | 1.58 | 2.10 | 3.48 | 5.45 | 3.90 | 2.38 |
| Non-Interest Expense | 16.01 | 15.88 | 16.15 | 16.43 | 16.01 | 14.50 | 13.78 | 12.38 | 11.07 |
| Operating Income | 8.12 | 7.79 | 4.65 | 4.07 | 6.77 | 6.00 | 6.81 | 4.81 | 6.03 |
| Unusual Expense | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Income Before Taxes | 8.17 | 7.79 | 4.65 | 4.07 | 6.77 | 6.00 | 6.81 | 4.81 | 6.03 |
| Income Taxes | 1.68 | 1.61 | 0.77 | 0.48 | 1.07 | 1.13 | 1.45 | 0.96 | 1.28 |
| Consolidated Net Income | 6.49 | 6.17 | 3.89 | 3.59 | 5.70 | 4.87 | 5.37 | 3.85 | 4.74 |
| Net Income From Continuing Operations | 6.49 | 6.17 | 3.89 | 3.59 | 5.70 | 4.87 | 5.37 | 3.85 | 4.74 |
| Net Income | 6.49 | 6.17 | 3.89 | 3.59 | 5.70 | 4.87 | 5.37 | 3.85 | 4.74 |
| EPS (Recurring) | - | 2.02 | 1.26 | 1.17 | 1.81 | 1.41 | 1.57 | 1.07 | 1.25 |
| EPS (Basic, Before Extraordinaries) | 2.16 | 2.05 | 1.27 | 1.18 | 1.89 | 1.50 | 1.66 | 1.14 | 1.34 |
| EPS (Diluted) | 2.11 | 2.02 | 1.26 | 1.17 | 1.81 | 1.41 | 1.57 | 1.07 | 1.25 |
| Non-Operating Income (Expense) | 0.05 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other After Tax Adjustments | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Stock Option Compensation Expense | - | 0.15 | 0.17 | 0.25 | 0.32 | 0.36 | 0.27 | 0.21 | 0.55 |
| Price To Earnings Ratio | 11.37 | 11.37 | 12.49 | 8.44 | 7.77 | 14.02 | 12.46 | 11.57 | 13.34 |
| Price To Sales Ratio | 2.13 | 1.84 | 1.29 | 1.04 | 1.54 | 3.00 | 2.60 | 1.91 | 2.83 |
| Operating Margin | 22.74 | 22.26 | 14.33 | 12.17 | 23.56 | 26.42 | 26.50 | 19.83 | 27.11 |
| Net Margin | 18.16 | 17.66 | 11.98 | 10.74 | 19.85 | 21.46 | 20.88 | 15.89 | 21.34 |
| Shares Outstanding | 3.03 | 2.99 | 3.02 | 3.06 | 3.03 | 3.39 | 3.20 | 3.28 | 3.69 |
| Market Capitalization | 72.64 | 72.64 | 42.47 | 36.00 | 43.86 | 66.66 | 65.49 | 40.69 | 61.68 |
Income statement, quarterly
| Metric | 2027Q1 | 2026Q4 | 2026Q3 | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 |
|---|---|---|---|---|---|---|---|---|
| Interest Income | 8.70 | 8.41 | 8.02 | 8.06 | 8.01 | 7.64 | 7.42 | 7.66 |
| Total Interest Expense | 2.79 | 2.67 | 2.61 | 2.69 | 2.75 | 2.67 | 2.75 | 3.06 |
| Net Interest Income | 5.90 | 5.74 | 5.41 | 5.38 | 5.26 | 4.97 | 4.67 | 4.60 |
| Loan Loss Provision | 0.28 | 0.17 | 0.27 | 0.11 | 0.04 | 0.05 | 0.01 | 0.04 |
| Net Interest Income After Loan Loss Provision | 5.63 | 5.57 | 5.14 | 5.27 | 5.22 | 4.93 | 4.67 | 4.55 |
| Non-Interest Income | 0.71 | 0.56 | 0.62 | 0.64 | 0.65 | 0.68 | 0.54 | 0.49 |
| Non-Interest Expense | 3.98 | 4.27 | 3.97 | 3.79 | 3.85 | 4.05 | 4.25 | 3.84 |
| Operating Income | 2.35 | 1.86 | 1.79 | 2.11 | 2.02 | 1.55 | 0.95 | 1.21 |
| Unusual Expense | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Income Before Taxes | 2.40 | 1.86 | 1.79 | 2.11 | 2.02 | 1.55 | 0.95 | 1.21 |
| Income Taxes | 0.49 | 0.44 | 0.32 | 0.44 | 0.42 | 0.37 | 0.21 | 0.19 |
| Consolidated Net Income | 1.91 | 1.43 | 1.47 | 1.68 | 1.60 | 1.18 | 0.75 | 1.02 |
| Net Income From Continuing Operations | 1.91 | 1.43 | 1.47 | 1.68 | 1.60 | 1.18 | 0.75 | 1.02 |
| Net Income | 1.91 | 1.43 | 1.47 | 1.68 | 1.60 | 1.18 | 0.75 | 1.02 |
| EPS (Recurring) | - | 0.46 | 0.48 | 0.54 | 0.52 | 0.39 | 0.24 | 0.33 |
| EPS (Basic, Before Extraordinaries) | 0.64 | 0.48 | 0.49 | 0.55 | 0.53 | 0.39 | 0.24 | 0.33 |
| EPS (Diluted) | 0.62 | 0.46 | 0.48 | 0.54 | 0.52 | 0.39 | 0.24 | 0.33 |
| Non-Operating Income (Expense) | 0.05 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other After Tax Adjustments | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Stock Option Compensation Expense | - | 0.04 | 0.04 | 0.04 | 0.03 | 0.03 | 0.00 | 0.06 |
| Price To Earnings Ratio | 11.37 | 10.85 | 10.20 | 12.13 | 10.88 | 12.49 | 12.04 | 11.65 |
| Price To Sales Ratio | 2.13 | 1.85 | 1.55 | 1.65 | 1.27 | 1.28 | 1.24 | 1.21 |
| Operating Margin | 25.04 | 20.78 | 20.73 | 24.28 | 23.29 | 18.70 | 11.99 | 14.82 |
| Net Margin | 20.32 | 15.91 | 17.04 | 19.25 | 18.46 | 14.20 | 9.39 | 12.52 |
| Shares Outstanding | 3.03 | 2.99 | 3.00 | 3.01 | 3.00 | 3.02 | 3.12 | 3.13 |
| Market Capitalization | 72.64 | 64.10 | 53.19 | 55.59 | 43.00 | 42.47 | 40.88 | 39.30 |
Balance sheet, annual
| Metric | 2026FY | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY | 2020FY | 2019FY | 2018FY |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Due from Banks | 2.10 | 2.07 | 1.92 | 1.82 | 1.50 | 1.19 | 1.21 | 1.00 | 0.86 |
| Investments | 133.87 | 113.05 | 130.71 | 136.92 | 174.61 | 201.90 | 131.38 | 92.72 | 79.98 |
| Net Loans | 475.49 | 461.00 | 470.85 | 489.49 | 387.87 | 336.39 | 359.93 | 324.13 | 317.49 |
| Investment in Unconsolidated Affiliates | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Customer Liability on Acceptances | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Real Estate Assets | 0.61 | 0.97 | 0.42 | 0.37 | 0.00 | 0.38 | 0.95 | 1.37 | 1.18 |
| Net Property, Plant & Equipment | 16.96 | 18.07 | 19.12 | 17.39 | 17.09 | 15.77 | 14.11 | 13.55 | 12.24 |
| Interest Receivables | 1.90 | 1.84 | 1.77 | 1.79 | 1.12 | 1.16 | 1.86 | 1.17 | 1.15 |
| Deferred Tax Assets | 1.85 | 1.98 | 1.18 | 1.31 | 1.14 | 0.82 | 0.76 | 0.85 | 1.10 |
| Other Intangible Assets | 11.34 | 11.34 | 11.53 | 11.82 | 7.14 | 8.11 | 8.03 | 7.66 | 7.65 |
| Total Assets | 644.12 | 610.31 | 637.51 | 660.91 | 590.48 | 565.73 | 518.22 | 442.45 | 421.65 |
| Total Deposits | 577.29 | 546.29 | 574.01 | 597.36 | 531.99 | 506.60 | 460.81 | 388.16 | 360.26 |
| Total Debt | 4.41 | 4.86 | 7.86 | 9.42 | 4.05 | 4.14 | 4.25 | 1.80 | 11.94 |
| Long Term Debt | 4.38 | 0.80 | 0.83 | 0.83 | 0.87 | 1.71 | 1.75 | 1.06 | 6.36 |
| Provision for Risks Charges | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Deferred Tax Liabilities | 0.79 | 0.82 | - | - | - | - | - | - | - |
| Other Liabilities | 2.87 | 3.14 | 2.84 | 3.60 | 2.09 | 2.27 | 2.63 | 2.14 | 2.42 |
| Total Liabilities | 585.37 | 555.11 | 584.71 | 610.37 | 538.13 | 513.01 | 467.69 | 392.11 | 374.61 |
| Preferred Stock - Carrying Value | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Common Equity | 58.76 | 55.20 | 52.80 | 50.54 | 52.35 | 52.73 | 50.53 | 50.34 | 47.04 |
| Total Shareholders Equity | 58.76 | 55.20 | 52.80 | 50.54 | 52.35 | 52.73 | 50.53 | 50.34 | 47.04 |
| Accumulated Minority Interest | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Equity | 58.76 | 55.20 | 52.80 | 50.54 | 52.35 | 52.73 | 50.53 | 50.34 | 47.04 |
| Total Liabilities & Stockholders Equity | 644.12 | 610.31 | 637.51 | 660.91 | 590.48 | 565.73 | 518.22 | 442.45 | 421.65 |
| Book Value Per Share | 19.65 | 18.28 | 17.25 | 16.68 | 15.45 | 16.46 | 15.41 | 13.64 | 12.42 |
| Tangible Book Value Per Share | 18.43 | 16.98 | 15.88 | 15.19 | 15.45 | 16.46 | 15.41 | 13.64 | 12.42 |
| Tier 1 Capital | - | 56.72 | 57.74 | 57.28 | 56.03 | 54.28 | 51.56 | 50.17 | 47.98 |
| Tier 2 Capital | - | 4.48 | 4.57 | 5.17 | 4.45 | 4.08 | 3.94 | 3.45 | 3.42 |
| Full-Time Employees | 74 | 67 | 78 | 74 | 70 | 64 | 62 | 54 | 54 |
| Price to Book Ratio | 1.24 | 0.78 | 0.69 | 0.84 | 1.27 | 1.18 | 0.81 | 1.26 | 1.29 |
| Return on Assets | 0.98 | 0.62 | 0.55 | 0.91 | 0.84 | 0.99 | 0.80 | 1.10 | 0.84 |
| Return on Equity | 10.84 | 7.20 | 6.95 | 11.09 | 9.28 | 10.39 | 7.63 | 9.74 | 7.65 |
| Return on Invested Capital | 9.78 | 6.94 | 6.70 | 11.10 | 9.16 | 9.86 | 7.36 | 9.23 | 6.68 |
| Current Ratio | 0.01 | 0.01 | 0.05 | 0.02 | 0.12 | 0.17 | 0.10 | 0.04 | 0.07 |
Cash flow, annual
| Metric | TTM | 2026FY | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY | 2020FY | 2019FY |
|---|---|---|---|---|---|---|---|---|---|
| Funds from Operations | - | 8.03 | 5.21 | 2.96 | 7.06 | 4.33 | 3.16 | 4.27 | 5.18 |
| Extraordinary Item | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Changes in Working Capital | - | -0.41 | 0.26 | -0.64 | 0.60 | 0.29 | 0.48 | -0.36 | -0.03 |
| Cash from Operating Activities | - | 7.62 | 5.47 | 2.32 | 7.67 | 4.63 | 3.64 | 3.91 | 5.15 |
| Capital Expenditures | - | -0.03 | -0.05 | -2.69 | -1.18 | -2.57 | -2.35 | -0.97 | -2.61 |
| Net Assets From Acquisitions | - | 0.00 | 0.00 | 0.00 | -10.24 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sale of Fixed Assets and Businesses | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.54 |
| Purchase or Sale of Investments | - | -1.94 | -0.05 | 18.84 | -6.02 | -25.57 | -21.54 | 7.83 | -7.54 |
| Purchase of Investments | - | -15.20 | -12.81 | -2.71 | -22.27 | -44.10 | -53.02 | -21.53 | -18.55 |
| Sale Or Maturity of Investments | - | 13.26 | 12.76 | 21.55 | 16.25 | 18.53 | 31.48 | 29.37 | 11.01 |
| Federal Home Loan Advances Increase (Decrease) | - | -0.30 | 0.96 | -0.07 | -0.99 | -0.01 | 0.00 | 0.00 | 0.00 |
| Other Uses | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Sources | - | 0.06 | 0.08 | 0.05 | 0.15 | 0.37 | 0.63 | 1.44 | 0.10 |
| Cash from Investing Activities | - | -18.03 | 10.21 | 34.48 | -110.87 | -66.36 | 3.27 | -36.22 | -17.78 |
| Cash Dividends Paid | - | -1.66 | -1.63 | -1.57 | -1.53 | -1.35 | -1.12 | -1.14 | -1.05 |
| Preferred Dividends (Cash Flow) | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Change in Capital Stock | - | -1.50 | -0.96 | -0.11 | -5.63 | -2.60 | -2.01 | -4.08 | -2.12 |
| Repurchase of Common Pref Stock | - | -3.33 | -1.07 | -0.49 | -5.96 | -4.48 | -2.59 | -4.14 | -2.45 |
| Sale of Common Pref Stock | - | 1.84 | 0.11 | 0.37 | 0.33 | 1.89 | 0.59 | 0.07 | 0.33 |
| Proceedsfrom Stock Options | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Issuance or Reduction of Debt, Net | - | -0.44 | -3.00 | -1.55 | 5.37 | -0.09 | -0.09 | 1.55 | -10.13 |
| Change in Long Term Debt | - | 0.00 | 0.00 | 0.00 | 5.37 | -0.09 | -0.09 | 1.55 | -10.13 |
| Issuance of Long Term Debt | - | 0.00 | 0.00 | 0.00 | 190.20 | 3.15 | 2.40 | 2.30 | 0.90 |
| Reduction of Long Term Debt | - | 0.00 | 0.00 | 0.00 | -184.83 | -3.23 | -2.49 | -0.74 | -11.03 |
| Net Financing Active Other Cash Flow | - | -0.03 | 0.02 | -0.03 | 0.32 | 0.04 | 0.06 | 0.09 | 0.28 |
| Other Financing Activities Uses | - | -0.03 | - | -0.03 | - | -0.07 | -0.10 | -0.06 | - |
| Cash from Financing Activities | - | 27.37 | -33.29 | -26.62 | 63.90 | 21.41 | 42.62 | 69.07 | 14.87 |
| Net Change in Cash | - | 16.96 | -17.60 | 10.18 | -39.31 | -40.33 | 49.53 | 36.76 | 2.24 |
| Free Cash Flow | - | 7.59 | 5.43 | -0.37 | 6.48 | 2.05 | 1.29 | 2.94 | 2.54 |
| Price to Free Cash Flow | - | 10.85 | 11.03 | - | 8.94 | 97.17 | 402.48 | 25.74 | 42.35 |
Balance sheet, quarterly
| Metric | 2027Q1 | 2026Q4 | 2026Q3 | 2026Q2 | 2026Q1 | 2025Q4 |
|---|---|---|---|---|---|---|
| Cash & Due from Banks | 6.61 | 2.10 | 28.94 | 19.27 | 26.49 | 2.07 |
| Investments | 132.71 | 133.87 | 101.42 | 98.20 | 99.09 | 113.05 |
| Net Loans | 484.33 | 475.49 | 478.93 | 471.53 | 464.36 | 461.00 |
| Investment in Unconsolidated Affiliates | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Property, Plant & Equipment | 16.02 | 16.96 | 17.29 | 17.54 | 17.80 | 18.07 |
| Interest Receivables | 1.91 | 1.90 | 1.92 | 1.87 | 1.85 | 1.84 |
| Deferred Tax Assets | 1.49 | 1.85 | 1.13 | 0.98 | 1.04 | 1.98 |
| Other Intangible Assets | 11.98 | 11.34 | 11.20 | 11.24 | 11.21 | 11.34 |
| Total Assets | 655.56 | 644.12 | 641.65 | 621.45 | 622.63 | 610.31 |
| Total Deposits | 574.92 | 577.29 | 574.43 | 554.88 | 557.19 | 546.29 |
| Total Debt | 17.56 | 4.41 | 6.41 | 4.85 | 4.86 | 4.86 |
| Long Term Debt | 17.56 | 4.38 | 6.41 | 4.85 | 4.86 | 0.80 |
| Provision for Risks Charges | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Deferred Tax Liabilities | - | 0.79 | - | - | - | 0.82 |
| Other Liabilities | 4.33 | 2.87 | 2.81 | 3.97 | 4.00 | 3.14 |
| Total Liabilities | 596.81 | 585.37 | 583.64 | 563.70 | 566.04 | 555.11 |
| Preferred Stock - Carrying Value | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Common Equity | 58.76 | 58.76 | 58.00 | 57.75 | 56.59 | 55.20 |
| Total Shareholders Equity | 58.76 | 58.76 | 58.00 | 57.75 | 56.59 | 55.20 |
| Accumulated Minority Interest | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Equity | 58.76 | 58.76 | 58.00 | 57.75 | 56.59 | 55.20 |
| Total Liabilities & Stockholders Equity | 655.56 | 644.12 | 641.65 | 621.45 | 622.63 | 610.31 |
| Book Value Per Share | 19.39 | 19.65 | 19.36 | 19.16 | 18.85 | 18.28 |
| Tangible Book Value Per Share | 18.19 | 18.43 | 18.12 | 17.91 | 17.57 | 16.98 |
| Tier 1 Capital | - | - | - | - | - | 56.72 |
| Tier 2 Capital | - | - | - | - | - | 4.48 |
| Full-Time Employees | - | 74 | - | - | - | 67 |
| Price to Book Ratio | 1.24 | 1.08 | 0.90 | 0.95 | 0.75 | 0.78 |
| Return on Assets | 1.01 | 0.98 | 0.94 | 0.85 | 0.73 | 0.62 |
| Return on Equity | 11.25 | 10.84 | 10.52 | 9.32 | 8.21 | 7.20 |
| Return on Invested Capital | 2.50 | 2.26 | 2.29 | 2.68 | 2.60 | 2.11 |
| Current Ratio | 0.06 | 0.01 | 0.12 | 0.08 | 0.11 | 0.01 |
Cash flow, quarterly
| Metric | 2027Q1 | 2026Q4 | 2026Q3 | 2026Q2 | 2026Q1 | 2025Q4 |
|---|---|---|---|---|---|---|
| Funds from Operations | - | 3.35 | 0.02 | 2.94 | 1.72 | 2.05 |
| Extraordinary Item | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Changes in Working Capital | - | -0.09 | -1.29 | 0.28 | 0.69 | -0.12 |
| Cash from Operating Activities | - | 3.26 | -1.27 | 3.23 | 2.41 | 1.94 |
| Capital Expenditures | - | -0.02 | -0.00 | 0.00 | -0.01 | -0.01 |
| Net Assets From Acquisitions | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sale of Fixed Assets and Businesses | - | 0.00 | 0.00 | 0.00 | 0.00 | -0.03 |
| Purchase or Sale of Investments | - | -1.29 | -1.49 | 0.81 | 0.03 | -0.13 |
| Purchase of Investments | - | -4.32 | -4.30 | -2.19 | -4.40 | -1.70 |
| Sale Or Maturity of Investments | - | 3.03 | 2.82 | 2.99 | 4.42 | 1.56 |
| Other Uses | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Sources | - | 0.00 | 0.01 | 0.04 | 0.00 | 0.01 |
| Cash from Investing Activities | - | 2.00 | -9.39 | -6.90 | -3.73 | -3.84 |
| Cash Dividends Paid | - | -0.41 | -0.42 | -0.42 | -0.41 | -0.41 |
| Preferred Dividends (Cash Flow) | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Change in Capital Stock | - | -0.37 | -0.44 | -0.42 | -0.26 | -0.47 |
| Repurchase of Common Pref Stock | - | -0.44 | -0.62 | -1.99 | -0.28 | -0.56 |
| Sale of Common Pref Stock | - | 0.07 | 0.18 | 1.57 | 0.02 | 0.09 |
| Proceedsfrom Stock Options | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Issuance or Reduction of Debt, Net | - | -2.00 | 0.00 | 0.00 | 0.00 | 3.00 |
| Change in Long Term Debt | - | 0.00 | 0.00 | 0.00 | 0.00 | 3.00 |
| Issuance of Long Term Debt | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Reduction of Long Term Debt | - | 0.00 | 0.00 | 0.00 | 0.00 | 3.00 |
| Net Financing Active Other Cash Flow | - | 0.03 | 0.09 | -0.39 | 0.24 | 0.16 |
| Other Financing Activities Uses | - | 0.03 | 0.09 | - | - | - |
| Cash from Financing Activities | - | 0.10 | 20.34 | -3.55 | 10.47 | -11.19 |
| Net Change in Cash | - | 5.36 | 9.68 | -7.22 | 9.14 | -13.09 |
| Free Cash Flow | - | 3.25 | -1.28 | 3.23 | 2.40 | 1.93 |
| Price to Free Cash Flow | - | 10.89 | 11.51 | 7.31 | 8.58 | 10.98 |
Revenue breakdown
| ATMSurcharge Income | 2025: 105.00K 2026: 100.00K |
|---|---|
| Debit Card Interchange Fees | 2025: 644.00K 2026: 660.00K |
| Fees Non Sufficient Funds | 2025: 819.00K 2026: 952.00K |
| Loss On Sale Of Real Estate | 2025: -265.00K 2026: -18.00K |
| United States | 2025: 1.30M 2026: 1.69M |
Short interest
shares short against float, oldest to newest| Settlement | Of float | Shares short | Float | Avg volume |
|---|---|---|---|---|
| 2026-10-30 | 0.18% | 0.0M | 1.9M | 3.15K |
| 2026-10-15 | 0.27% | 0.0M | 1.9M | 3.09K |
| 2026-09-30 | 0.26% | 0.0M | 2.1M | 3.17K |
| 2026-09-15 | 0.16% | 0.0M | 2.1M | 3.32K |
| 2026-08-31 | 0.21% | 0.0M | 2.1M | 3.35K |
| 2026-08-14 | 0.20% | 0.0M | 2.1M | 3.38K |
| 2026-07-31 | 0.18% | 0.0M | 2.1M | 3.44K |
| 2026-07-15 | 0.15% | 0.0M | 2.1M | 2.35K |
| 2026-06-30 | 0.21% | 0.0M | 2.1M | 2.23K |
| 2026-06-15 | 0.15% | 0.0M | 2.1M | 2.36K |
| 2026-05-29 | 0.16% | 0.0M | 2.1M | 2.65K |
| 2026-05-15 | 0.20% | 0.0M | 2.1M | 2.64K |
| 2026-04-30 | 0.23% | 0.0M | 2.1M | 2.28K |
| 2026-04-15 | 0.16% | 0.0M | 2.1M | 3.08K |
| 2026-03-31 | 0.12% | 0.0M | 2.1M | 3.41K |
| 2026-03-13 | 0.15% | 0.0M | 2.1M | 4.24K |
| 2026-02-27 | 0.14% | 0.0M | 2.1M | 4.24K |
| 2026-02-13 | 0.12% | 0.0M | 2.1M | 4.17K |
| 2026-01-30 | 0.15% | 0.0M | 2.0M | 4.00K |
| 2026-01-15 | 0.23% | 0.0M | 2.0M | 3.66K |
Option chain
expiry 2026-11-11| Type | Strike | Bid | Ask | Last | IV | Open int | Volume | Delta | Theta | Vega |
|---|---|---|---|---|---|---|---|---|---|---|
| No option chain for this symbol. | ||||||||||
Latest SEC filings
30| Filed | Form | Description | Period | Link |
|---|---|---|---|---|
| 2026-10-30 | 4 | Statement of changes in beneficial ownership of securities | 2026-10-28 | SEC |
| 2026-10-27 | 8-K | Current report | 2026-10-27 | SEC |
| 2026-10-22 | S-8 | Initial registration statement for securities to be offered to employees pursuant to employee benefit plans | SEC | |
| 2026-10-21 | 8-K | Current report | 2026-10-21 | SEC |
| 2026-10-09 | ARS | Annual report to security holders. | 2026-06-30 | SEC |
| 2026-10-09 | DEF 14A | Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 | 2026-11-18 | SEC |
| 2026-09-29 | 4/A | 2025-10-15 | SEC | |
| 2026-09-25 | 10-K | Annual report pursuant to Section 13 or 15(d) | 2026-06-30 | SEC |
| 2026-08-06 | 4 | Statement of changes in beneficial ownership of securities | 2026-08-04 | SEC |
| 2026-07-30 | 8-K | Current report | 2026-07-30 | SEC |
| 2026-07-22 | 4 | Statement of changes in beneficial ownership of securities | 2026-07-22 | SEC |
| 2026-07-16 | 8-K | Current report | 2026-07-16 | SEC |
| 2026-07-10 | 4 | Statement of changes in beneficial ownership of securities | 2026-05-27 | SEC |
| 2026-07-02 | 8-K | Current report | 2026-07-01 | SEC |
| 2026-06-26 | 11-K | Annual reports of employee stock purchase, savings and similar plans pursuant to Section 15(d) | 2025-12-31 | SEC |
| 2026-05-14 | 10-Q | Quarterly report pursuant to Section 13 or 15(d) | 2026-03-31 | SEC |
| 2026-04-30 | 8-K | Current report | 2026-04-30 | SEC |
| 2026-04-15 | 4 | Statement of changes in beneficial ownership of securities | 2026-03-20 | SEC |
| 2026-04-15 | 8-K | Current report | 2026-04-15 | SEC |
| 2026-02-12 | 10-Q | Quarterly report pursuant to Section 13 or 15(d) | 2025-12-31 | SEC |
| 2026-02-12 | SCHEDULE 13G/A | SEC | ||
| 2026-02-12 | SCHEDULE 13G/A | SEC | ||
| 2026-01-28 | 8-K | Current report | 2026-01-28 | SEC |
| 2026-01-21 | 8-K | Current report | 2026-01-21 | SEC |
| 2026-01-06 | 4 | Statement of changes in beneficial ownership of securities | 2026-01-06 | SEC |
| 2025-12-22 | 4 | Statement of changes in beneficial ownership of securities | 2025-12-18 | SEC |
| 2025-12-22 | 4 | Statement of changes in beneficial ownership of securities | 2025-12-18 | SEC |
| 2025-12-22 | 4 | Statement of changes in beneficial ownership of securities | 2025-12-18 | SEC |
| 2025-12-22 | 4 | Statement of changes in beneficial ownership of securities | 2025-12-18 | SEC |
| 2025-12-22 | 4 | Statement of changes in beneficial ownership of securities | 2025-12-18 | SEC |
Insider activity by month
| Month | Bought | Buys | Sold | Sells |
|---|---|---|---|---|
| 2026-11 | 0 | 0 | 0 | 0 |
| 2026-10 | 0 | 0 | 0 | 0 |
| 2026-09 | 0 | 0 | 0 | 0 |
| 2026-08 | 0 | 0 | 0 | 0 |
| 2026-07 | 0 | 0 | 0 | 0 |
| 2026-06 | 0 | 0 | 0 | 0 |
| 2026-05 | 0 | 0 | 0 | 0 |
| 2026-04 | 0 | 0 | 0 | 0 |
| 2026-03 | 0 | 0 | 0 | 0 |
| 2026-02 | 0 | 0 | 0 | 0 |
| 2026-01 | 0 | 0 | 0 | 0 |
| 2025-12 | 0 | 0 | 0 | 0 |
| 2025-11 | 0 | 0 | 0 | 0 |
Institutional holders
| Manager | % owned |
|---|---|
| Stilwell Value LLC | 2.62% |
| VANGUARD CAPITAL MANAGEMENT LLC | 1.40% |
| ALLIANCEBERNSTEIN L.P. | 1.07% |
| GEODE CAPITAL MANAGEMENT, LLC | 0.57% |
| DIMENSIONAL FUND ADVISORS LP | 0.48% |
| WEALTH ENHANCEMENT ADVISORY SERVICES, LLC | 0.34% |
| VANGUARD FIDUCIARY TRUST CO | 0.33% |
| BEESE FULMER INVESTMENT MANAGEMENT, INC. | 0.32% |
| LEVEL FOUR ADVISORY SERVICES, LLC | 0.29% |
| BlackRock, Inc. | 0.23% |
Funds
| Fund | % owned |
|---|---|
| VANGUARD TOTAL STOCK MARKET INDEX FUND | 0.83% |
| VANGUARD EXTENDED MARKET INDEX FUND | 0.57% |
| Fidelity Extended Market Index Fund | 0.30% |
| iShares Micro-Cap ETF | 0.22% |
| U.S. CORE EQUITY 2 PORTFOLIO | 0.17% |
| Fidelity Series Total Market Index Fund | 0.08% |
| U.S. CORE EQUITY 1 PORTFOLIO | 0.07% |
| Fidelity Total Market Index Fund | 0.05% |
| U.S. VECTOR EQUITY PORTFOLIO | 0.03% |
| Dimensional US Core Equity 1 ETF | 0.03% |
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