Analyzing Home Federal Bancorp, Inc. of Louisiana (NASDAQ:HFBL) & Community First Bancshares (NASDAQ:CFBI)

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

Dividends

Home Federal Bancorp, Inc. of Louisiana pays an annual dividend of $0.64 per share and has a dividend yield of 1.8%. Community First Bancshares does not pay a dividend.

Insider and Institutional Ownership

21.1% of Home Federal Bancorp, Inc. of Louisiana shares are owned by institutional investors. Comparatively, 3.9% of Community First Bancshares shares are owned by institutional investors. 26.9% of Home Federal Bancorp, Inc. of Louisiana shares are owned by insiders. Comparatively, 1.3% of Community First Bancshares shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.

Analyst Recommendations

This is a summary of recent ratings for Home Federal Bancorp, Inc. of Louisiana and Community First Bancshares, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Home Federal Bancorp, Inc. of Louisiana 0 0 0 0 N/A
Community First Bancshares 0 0 0 0 N/A

Earnings & Valuation

This table compares Home Federal Bancorp, Inc. of Louisiana and Community First Bancshares’ top-line revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Home Federal Bancorp, Inc. of Louisiana $22.23 million 2.86 $4.74 million N/A N/A
Community First Bancshares $16.20 million 5.16 $440,000.00 N/A N/A

Home Federal Bancorp, Inc. of Louisiana has higher revenue and earnings than Community First Bancshares.

Risk and Volatility

Home Federal Bancorp, Inc. of Louisiana has a beta of 0.6, suggesting that its stock price is 40% less volatile than the S&P 500. Comparatively, Community First Bancshares has a beta of -0.03, suggesting that its stock price is 103% less volatile than the S&P 500.

Profitability

This table compares Home Federal Bancorp, Inc. of Louisiana and Community First Bancshares’ net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Home Federal Bancorp, Inc. of Louisiana 20.92% 9.66% 1.08%
Community First Bancshares 1.14% 0.24% 0.06%

Summary

Home Federal Bancorp, Inc. of Louisiana beats Community First Bancshares on 9 of the 11 factors compared between the two stocks.

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.

About Community First Bancshares

Community First Bancshares, Inc. operates as the holding company for Newton Federal Bank that provides various banking products and services in the United States. The company offers various deposit accounts, including checking accounts, savings accounts, and certificate of deposit accounts. It also provides one-to four-family residential real estate loans, commercial real estate loans, commercial and industrial loans, construction and land loans, indirect automobile loans, and consumer loans, as well as multi-family residential real estate loans, and home equity loans and lines of credit. In addition, the company invests in securities; and offers money transfer and other banking services. It operates through its main and branch office in Covington, Georgia; and loan production offices in Watkinsville and Braselton, Georgia. The company was founded in 1928 and is headquartered in Covington, Georgia. Community First Bancshares, Inc. is a subsidiary of Community First Bancshares, MHC.

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