DDM Analysis: HFBL

Valuation Snapshot

Stable Growth	$82.18 - $291.05	$271.22
Multi-Stage	$50.14 - $54.97	$52.51
Blended Fair Value	$161.87
Current Price	$13.77
Upside	1,075.49%
Decision	Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
DPS	7.36%	10.27%	0.53	0.51	0.50	0.44	0.36	0.37	0.34	0.30	0.23	0.21
YoY Growth	-	-	3.82%	2.55%	13.08%	20.59%	-1.75%	8.66%	13.74%	31.06%	6.82%	7.67%
Dividend Yield	-	-	3.85%	4.05%	3.43%	2.35%	1.95%	3.22%	2.09%	1.76%	1.72%	1.84%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)

Net Income To Common (M)	4.55
(-) Cash Dividends Paid (M)	1.64
(=) Cash Retained (M)	2.91

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	0.91	0.57	0.34
Cash Retained (M)	2.91	2.91	2.91
(-) Cash Required (M)	-0.91	-0.57	-0.34
(=) Excess Retained (M)	2.00	2.34	2.57
(/) Shares Outstanding (M)	3.07	3.07	3.07
(=) Excess Retained per Share	0.65	0.76	0.84
LTM Dividend per Share	0.53	0.53	0.53
(+) Excess Retained per Share	0.65	0.76	0.84
(=) Adjusted Dividend	1.18	1.29	1.37
WACC / Discount Rate	5.89%	5.89%	5.89%
Growth Rate	4.39%	5.39%	6.39%
Fair Value	$82.18	$271.22	$291.05
Upside / Downside	496.78%	1,869.65%	2,013.67%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	4.55	4.79	5.05	5.32	5.61	5.91	6.09
Payout Ratio	35.96%	46.77%	57.57%	68.38%	79.19%	90.00%	92.50%
Projected Dividends (M)	1.64	2.24	2.91	3.64	4.44	5.32	5.63

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	5.89%	5.89%	5.89%
Growth Rate	4.39%	5.39%	6.39%
Year 1 PV (M)	2.10	2.12	2.14
Year 2 PV (M)	2.54	2.59	2.64
Year 3 PV (M)	2.98	3.07	3.15
Year 4 PV (M)	3.40	3.53	3.67
Year 5 PV (M)	3.81	4.00	4.19
PV of Terminal Value (M)	139.35	146.16	153.22
Equity Value (M)	154.18	161.46	169.01
Shares Outstanding (M)	3.07	3.07	3.07
Fair Value	$50.14	$52.51	$54.97
Upside / Downside	264.14%	281.33%	299.17%

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Home Federal Bancorp, Inc. of Louisiana (HFBL)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

High-Yield Dividend Screener