Home Federal Bancorp, Inc. of Louisiana (NASDAQ:HFBL) and FFD Financial (NASDAQ:FFDF) Critical Analysis

FFD Financial (OTCMKTS:FFDF) and Home Federal Bancorp, Inc. of Louisiana (NASDAQ:HFBL) are both small-cap finance companies, but which is the better stock? We will contrast the two businesses based on the strength of their earnings, valuation, risk, dividends, institutional ownership, profitability and analyst recommendations.

Valuation and Earnings

This table compares FFD Financial and Home Federal Bancorp, Inc. of Louisiana’s top-line revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
FFD Financial $16.22 million 3.52 $4.87 million N/A N/A
Home Federal Bancorp, Inc. of Louisiana $22.23 million 2.66 $4.74 million N/A N/A



FFD Financial has higher earnings, but lower revenue than Home Federal Bancorp, Inc. of Louisiana.

Risk and Volatility

FFD Financial has a beta of 0.03, meaning that its stock price is 97% less volatile than the S&P 500. Comparatively, Home Federal Bancorp, Inc. of Louisiana has a beta of 0.6, meaning that its stock price is 40% less volatile than the S&P 500.

Insider & Institutional Ownership

2.4% of FFD Financial shares are owned by institutional investors. Comparatively, 20.4% of Home Federal Bancorp, Inc. of Louisiana shares are owned by institutional investors. 11.5% of FFD Financial shares are owned by company insiders. Comparatively, 28.6% of Home Federal Bancorp, Inc. of Louisiana shares are owned by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.

Profitability

This table compares FFD Financial and Home Federal Bancorp, Inc. of Louisiana’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
FFD Financial N/A N/A N/A
Home Federal Bancorp, Inc. of Louisiana 21.33% 9.78% 1.10%

Analyst Ratings

This is a breakdown of current recommendations and price targets for FFD Financial and Home Federal Bancorp, Inc. of Louisiana, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
FFD Financial 0 0 0 0 N/A
Home Federal Bancorp, Inc. of Louisiana 0 0 0 0 N/A

Dividends

FFD Financial pays an annual dividend of $1.60 per share and has a dividend yield of 2.8%. Home Federal Bancorp, Inc. of Louisiana pays an annual dividend of $0.64 per share and has a dividend yield of 2.0%. Home Federal Bancorp, Inc. of Louisiana has increased its dividend for 3 consecutive years.

Summary

Home Federal Bancorp, Inc. of Louisiana beats FFD Financial on 8 of the 11 factors compared between the two stocks.

About FFD Financial

FFD Financial Corporation operates as the holding company for First Federal Community Bank, National Association that provides banking products and services. It offers various deposit products, including checking, savings, money market, health savings, and club accounts, as well as certificates of deposit and individual retirement accounts. The company also provides home mortgage loans, home equity line of credit, auto and boat loans, overdraft protection line of credit, personal loans, business term loans and lines of credit, commercial real estate loans, and equipment loans; and credit and debit cards. In addition, it offers online banking and bill pay, e-statement, overdraft protection, mobile banking, night depository, cash management, wire transfer, safe deposit box, night depository, and teller services. Further, the company through its subsidiary, FFD Risk Management, Inc., provides property and casualty insurance services. It operates branches in Dover, New Philadelphia, Boulevard, Sugarcreek, Berlin, and Mt. Hope. FFD Financial Corporation was founded in 1898 and is based in Dover, Ohio.

About Home Federal Bancorp, Inc. of Louisiana

Home Federal Bancorp, Inc. of Louisiana operates as the holding company for Home Federal Bank, a chartered savings bank that provides financial services to individuals, corporate entities, and other organizations in the Shreveport-Bossier City metropolitan area. It offers various deposit products, such as passbook savings, certificates of deposit, and demand deposit accounts. The company also provides one-to-four family residential real estate loans; commercial-real estate secured loans; multi-family residential loans; commercial business loans; land loans; construction loans; home equity and second mortgage loans; equity lines of credit; and consumer non-real estate loans, including loans secured by deposit accounts, automobile loans, overdrafts, and other unsecured loans. It operates through its main office and six full service branch offices located in Shreveport and Bossier City, Louisiana. Home Federal Bancorp, Inc. of Louisiana was founded in 1924 and is based in Shreveport, Louisiana.

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