Home Federal Bancorp (HFBL) Fundamental Analysis: Revenue, Earnings & Valuation

4.58 / 10

Netural

HFBL's fundamentals are moderate, rated 4.6/10. Key positives include a solid gross profit margin of 36.7% and a strong total profit to EBIT ratio of 100%, both placing them in high-performing groups. However, the net profit attributable to shareholders ratio of 100% and a 14.38% total profit year-over-year growth rate land in less impressive quartiles, tempering the overall score. Asset growth is healthy at 6.49% per share, yet valuation metrics like PB-ROE (1.41) and cash-to-market value show only average relative value, resulting in a balanced but not outstanding fundamental picture.

Analysis Checks(7/10)

Net assets per share (growth rate compared to beginning of year %)

Value6.49

Score2/3

Weight7.69%

1M Return3.75%

Revenue-MV

Value-0.75

Score3/3

Weight16.08%

1M Return7.25%

Net profit attributable to parent company shareholders / Net profit (%)

Value100.00

Score1/3

Weight6.11%

1M Return3.05%

Gross profit margin (%)

Value36.70

Score3/3

Weight6.98%

1M Return3.43%

Profit-MV

Value0.02

Score3/3

Weight16.12%

1M Return6.98%

Total profit (YoY growth rate %)

Value14.38

Score0/3

Weight3.76%

1M Return2.05%

PB-ROE

Value1.41

Score3/3

Weight15.09%

1M Return6.02%

Total profit / EBIT (%)

Value100.00

Score3/3

Weight6.98%

1M Return3.43%

Asset-MV

Value-0.50

Score0/3

Weight9.42%

1M Return4.22%

Cash-MV

Value-1.06

Score2/3

Weight11.78%

1M Return5.25%

Is HFBL undervalued or overvalued?

HFBL scores 4.58/10 on fundamentals and holds a Fair valuation at present. Backed by its 2.86% ROE, 20.80% net margin, 14.60 P/E ratio, 1.00 P/B ratio, and 36.70% earnings growth, these metrics solidify its Netural investment rating.