The record earnings and margin expansion confirm improving profitability for this small-cap community bank. Monitor credit quality trends given the increase in provision for credit losses and non-performing assets. The active stock buyback signals management confidence.
Price Chart
Executive Summary
Home Federal Bancorp reported record annual net income of $6.174M for FY2026, up 59% YoY, driven by a 49 bps expansion in net interest margin to 3.72% and strong loan/deposit growth. Quarterly EPS rose to $0.48 from $0.39, with return on average assets improving to 0.99%.
Key Financial Metrics
Key Facts
- Record annual net income of $6.174M, up 59% from $3.888M in FY2025
- Annual diluted EPS $2.02 vs $1.26 prior year, a 60% increase
- Net interest margin expanded 49 bps to 3.72% for the year
- Return on average assets improved 36 bps to 0.99%
- Book value per share increased 7.9% to $19.31
- Loans grew 3.1% and deposits grew 5.7% year-over-year
- Stock repurchases of $3.333M and dividends of $1.663M during the year
Financial Impact
Annual net income increased $2.286M (59% YoY); quarterly net income up $247K (21% YoY). Net interest income for the year rose $3.118M (16.7%).
Risk Factors
- Increase in provision for credit losses (571% YoY) from loan growth and problem loan reserves
- Non-performing assets rose to $3.649M from $3.305M, with a $200K OREO write-down
- Geographic concentration in northwest Louisiana exposes the bank to local economic downturns
- Interest rate risk from a 3.82% NIM that could compress if deposit costs rise faster than loan yields
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 1 press release from GlobeNewswire.
| Document | Accession Number |
|---|---|
| PRESS-RELEASE Data (Synthetic) | press-3336470 |
Track record builds as more directional reports settle.
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 21, 2026 5d ago | 8-K | $22.11 | awaiting T+60 | — | $20.25 (−8.41%) |
Oct 21, 2026 5d ago | Press Release | $22.11 | awaiting T+60 | — | $20.25 (−8.41%) |
Oct 9, 2026 17d ago | DEF 14A | $24.16 | awaiting T+60 | — | $20.25 (−16.18%) |
Jul 30, 2026 12w ago | Press Release | $23.35 $20.52 | ▼ −12.10% | ▼ −14.56% | $20.25 (−13.26%) |
Jul 2, 2026 16w ago | 8-K | $20.80 $25.00 | ▲ +20.19% | ▲ +16.62% | $20.25 (−2.64%) |
Apr 30, 2026 25w ago | 8-K | $18.74 $22.99 | ▲ +22.68% | ▲ +19.61% | $20.25 (+8.06%) |
Apr 30, 2026 25w ago | Press Release | $18.74 $22.99 | ▲ +22.68% | ▲ +19.61% | $20.25 (+8.06%) |
Apr 15, 2026 27w ago | 8-K | $19.06 $22.23 | ▲ +16.61% | ▲ +9.56% | $20.25 (+6.22%) |
Apr 15, 2026 27w ago | Press Release | $19.06 $22.23 | ▲ +16.61% | ▲ +9.56% | $20.25 (+6.22%) |
US Market Status
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