The strong earnings growth is tempered by deteriorating credit metrics—watch for further provision increases and NPA migration in the next quarter. The lack of forward guidance leaves uncertainty; a clear credit catalyst could shift sentiment.
Price Chart
Executive Summary
HFBL reported Q3 FY2026 net income of $1.472M ($0.48 diluted EPS), up 97% YoY from $0.748M ($0.24), driven by 15.7% net interest income growth and margin expansion. However, credit quality weakened sharply: non-performing assets rose 27% to $4.197M, provision surged to $269k from $6k, and allowance coverage dropped to 140% from 258%. The mixed signals prevent a clear bullish call.
Key Financial Metrics
Key Facts
- Net income $1.472M vs $0.748M YoY (+97%)
- Diluted EPS $0.48 vs $0.24 YoY (+100%)
- Net interest income $5.407M vs $4.674M (+15.7%)
- Net interest margin 3.75% vs 3.33% (+42 bps)
- Non-performing assets $4.197M vs $3.305M (+27%)
- Provision for credit losses $269k vs $6k
- Allowance coverage ratio 140.4% vs 257.7%
- Repurchased 92,399 shares at avg $16.08 during 9 months
Financial Impact
EPS doubled YoY, but credit costs and NPAs rose significantly.
Risk Factors
- Rising non-performing assets may signal broader credit stress
- Provision for credit losses increased 44x YoY, pressuring margins
- Sequential net income decline from Q2 ($1.675M) to Q3 ($1.472M)
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 6 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0000927089-26-000080 |
| Document: hfbil20260429_8k.htm | 0000927089-26-000080 |
| Document: 0000927089-26-000080-index-headers.html | 0000927089-26-000080 |
| Document: 0000927089-26-000080-index.html | 0000927089-26-000080 |
| Document: 0000927089-26-000080.txt | 0000927089-26-000080 |
| 8-K Data (Synthetic) | 0000927089-26-000080 |
Track record builds as more directional reports settle.
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 27, 2026 today | 8-K | $20.06 | awaiting T+60 | — | $20.26 (+1.00%) |
Oct 27, 2026 today | Press Release | $20.06 | awaiting T+60 | — | $20.26 (+1.00%) |
Oct 21, 2026 6d ago | 8-K | $22.11 | awaiting T+60 | — | $20.26 (−8.37%) |
Oct 21, 2026 6d ago | Press Release | $22.11 | awaiting T+60 | — | $20.26 (−8.37%) |
Oct 9, 2026 18d ago | DEF 14A | $24.16 | awaiting T+60 | — | $20.26 (−16.14%) |
Jul 30, 2026 12w ago | Press Release | $23.35 $20.52 | ▼ −12.10% | ▼ −14.56% | $20.26 (−13.21%) |
Jul 2, 2026 16w ago | 8-K | $20.80 $25.00 | ▲ +20.19% | ▲ +16.62% | $20.26 (−2.60%) |
Apr 30, 2026 25w ago | 8-K | $18.74 $22.99 | ▲ +22.68% | ▲ +19.61% | $20.26 (+8.11%) |
Apr 30, 2026 25w ago | Press Release | $18.74 $22.99 | ▲ +22.68% | ▲ +19.61% | $20.26 (+8.11%) |
Apr 15, 2026 27w ago | 8-K | $19.06 $22.23 | ▲ +16.61% | ▲ +9.56% | $20.26 (+6.27%) |
US Market Status
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