Home Federal Bancorp, Inc. of Louisiana

Banks - Regional • Financial Services • Shreveport, LA, United States • HFBL (NCM)

318 222 1145 624 Market Street, Shreveport, LA 71101, United States

Quarter: Q4 2025 Reported: October 23, 2025 Sentiment: Neutral

Home Federal Bancorp, Inc. of Louisiana operates as the holding company for Home Federal Bank that provides various financial services to individuals, corporate entities, and other organizations in Louisiana. The company accepts various deposits, including savings, certificates of deposit, and demand deposit accounts; and offers debit cards. The company also provides loans, including one-to-four family residential real estate, commercial real estate secured, multifamily residential, commercial business, land, construction, home equity and second mortgage, consumer non-real estate loans, as well as equity lines of credit. Home Federal Bancorp, Inc. was founded in 1924 and is based in Shreveport, Louisiana.

Analysis Summary

The provided transcript for Home Federal Bancorp, Inc. of Louisiana (HFBL) indicates the company reported its results of operations for the three months ended September 30, 2025, on October 23, 2025. However, this document serves primarily as a notification of the reporting event and explicitly refers to an external press release (Exhibit 99.1) for all substantive financial and operational details.

**Detailed Financial Performance Breakdown**: No specific financial metrics, such as revenue, net income, earnings per share, or comparative growth rates, are disclosed within this transcript. All such information is deferred to the referenced press release.

**Strategic Initiatives and Business Segment Analysis**: The transcript does not contain any information regarding strategic initiatives, business segment performance, or any operational changes. These details, if available, would be found in the external press release.

**Management Commentary and Forward Guidance**: No management commentary, forward-looking statements, or guidance for future quarters or the full fiscal year are provided in this document.

**Competitive Positioning and Market Trends**: There is no discussion of HFBL's competitive positioning, market share, or relevant industry trends within this filing.

**Risk Factors and Concerns Raised**: No specific risk factors, challenges, or concerns are mentioned or discussed in this document.

**Analyst Q&A Highlights**: As this is a brief regulatory filing referencing a press release, there is no analyst Q&A section included.

Key Highlights

• Home Federal Bancorp, Inc. of Louisiana (HFBL) reported Q4 2025 results.
• Results were for the three months ended September 30, 2025.
• The reporting date was October 23, 2025.
• Specific financial details are available in an external press release (Exhibit 99.1).
• This document serves as a notification of the reporting event, not a detailed financial disclosure.

Financial Metrics

eps

revenue

guidance

net income

Stock Performance (90 Days)

Data through Dec 29, 2025

Layoff Events

Earnings Calls

Positive Signals

• Information regarding results was officially reported as scheduled.
• Company adheres to regulatory reporting requirements by referencing detailed exhibit.

Risks & Concerns

— Specific financial performance details are not available in this document, requiring external reference.
— Lack of operational or strategic context within this filing.
— Inability to assess company performance or outlook without the referenced press release.