Is Home Federal Bancorp, Inc. of Louisiana overvalued or undervalued?

As of 7 November 2025, the valuation grade for Home Federal Bancorp, Inc. of Louisiana has moved from attractive to very attractive, indicating a strong improvement in its valuation outlook. The company appears to be undervalued, supported by a P/E ratio of 13, a Price to Book Value of 0.80, and an EV to EBITDA ratio of 4.05. In comparison, HMN Financial, Inc. is considered expensive with a P/E of 21.55, while Magyar Bancorp, Inc. is very attractive with a P/E of 11.61, highlighting Home Federal's relative value.
Despite a recent decline of 2.21% over the past week compared to a 1.63% drop in the S&P 500, the company has demonstrated strong performance year-to-date with a return of 27.17%, significantly outpacing the S&P 500's 14.40%. This performance, coupled with its attractive valuation ratios, reinforces the conclusion that Home Federal Bancorp, Inc. is currently undervalued.