HFBL
Home Federal Bancorp, Inc. of Louisiana
HFBL offers stronger fundamentals, but that advantage does not outweigh its weaker overall profile.
MS
Morgan Stanley
MS has a slight edge over HFBL overall, supported by stronger modeled upside and lower modeled downside.
HFBL Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
HFBL's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like HFBL.
MS Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
MS's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like MS.
HFBL PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 9.3x | $19.64 | -12% |
| Fair | 11x | $24.22 | +8.3% |
| Current | 11x | $22.36 | — |
| Expensive | 13x | $27.41 | +23% |
Historical ranges are pointers, not guarantees.
HFBL has the edge over MS in the historical PE scenario, which offers more potential upside but is not a forecast.
MS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 11x | $134 | -29% |
| Fair | 14x | $178 | -5.7% |
| Forward | 14x | $189 | — |
| Current | 15x | $189 | — |
| Expensive | 18x | $223 | +18% |
Historical ranges are pointers, not guarantees.
MS's PE is in its fair range at 15x. If earnings grow as analysts expect, today's price would be 14x next year's earnings.
HFBL Forward outlook
There aren't enough analyst estimates for HFBL to show an outlook.
MS Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for MS, with profitability improving.
HFBL Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2026 | $2.12 | +44% |
| Q2 2026 | $2.02 | +60% |
| Q1 2026 | $1.92 | +76% |
| Q4 2025 | $1.68 | +54% |
| Q3 2025 | $1.47 | +35% |
| Q2 2025 | $1.26 | +7.7% |
| Q1 2025 | $1.09 | -20% |
| Q4 2024 | $1.09 | -25% |
HFBL earned $2.12 per share over the past year, up 44% from the year before.
MS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $13.39 | +6.3% |
| Q3 2026 | $12.60 | +29% |
| Q2 2026 | $12.37 | +40% |
| Q1 2026 | $11.04 | +29% |
| Q4 2025 | $10.21 | +28% |
| Q3 2025 | $9.76 | +48% |
| Q2 2025 | $8.84 | +45% |
| Q1 2025 | $8.53 | +55% |
| Q4 2024 | $7.95 | +53% |
MS has the edge over HFBL on earnings, with more consistent year-over-year improvement.
HFBL Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $6.8M | +14% |
| Q2 2026 | $6.5M | +15% |
| Q1 2026 | $6M | +16% |
| Q4 2025 | $6M | +18% |
| Q3 2025 | $5.9M | +25% |
| Q2 2025 | $5.7M | +16% |
| Q1 2025 | $5.2M | +6.2% |
| Q4 2024 | $5.1M | +1% |
HFBL's revenue has grown year over year for eight quarters in a row: $7M last quarter, up 14% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 36% | +1.4 points |
| Q2 2026 | 29% | +1.2 points |
| Q1 2026 | 30% | +11 points |
| Q4 2025 | 35% | +11 points |
| Q3 2025 | 34% | +14 points |
| Q2 2025 | 28% | +11 points |
| Q1 2025 | 18% | -0.2 points |
| Q4 2024 | 24% | +7.7 points |
HFBL has the edge over MS on profitability, with a higher operating margin.
MS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $20.3B | +12% |
| Q2 2026 | $21.3B | +27% |
| Q1 2026 | $20.6B | +16% |
| Q4 2025 | $17.9B | +10% |
| Q3 2025 | $18.2B | +18% |
| Q2 2025 | $16.8B | +12% |
| Q1 2025 | $17.7B | +17% |
| Q4 2024 | $16.2B | +26% |
MS has the edge over HFBL on sales, with stronger typical year-over-year growth.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 32% | -1.2 points |
| Q2 2026 | 34% | +6.9 points |
| Q1 2026 | 34% | +2.8 points |
| Q4 2025 | 32% | +2 points |
| Q3 2025 | 33% | +5.6 points |
| Q2 2025 | 28% | +0.4 points |
| Q1 2025 | 31% | +2.2 points |
| Q4 2024 | 30% | +14 points |
MS's operating margin was 32% last quarter, down 1.2 points from the same quarter a year ago.
HFBL Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $3.3M | +20% |
| Q2 2026 | $3.3M | +220% |
| Q1 2026 | -$1.3M | -229% |
| Q4 2025 | $2.9M | +10% |
| Q3 2025 | $2.8M | +229% |
| Q1 2025 | $991K | +52% |
| Q4 2024 | $2.6M | +$5.2M |
| Q3 2024 | $843K | -65% |
HFBL has the edge over MS on cash generation, producing positive trailing cash flow while its opponent burns cash.
MS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$46B | -$42.7B |
| Q2 2026 | -$2.7B | -123% |
| Q1 2026 | -$7.1B | +$16.9B |
| Q4 2025 | -$2.4B | -120% |
| Q3 2025 | -$3.3B | +$14B |
| Q2 2025 | $11.8B | +368% |
| Q1 2025 | -$24B | -650% |
| Q4 2024 | $11.8B | +$29.6B |
MS's free cash flow was −$58.3B over the past year, against −$3.7B the year before. Free cash flow isn't a meaningful measure for financial services companies like MS.
HFBL Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -2.6% | -79.9K shares |
| 1 year | -0.8% | -24K shares |
| 3 years | -1.5% | -45K shares |
| 5 years | -6.9% | -220K shares |
| Available history | -12% | -414K shares |
HFBL has 3M diluted shares, down 0.8% from a year ago, with $3M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | $346,000 |
| Q2 2026 | $440,000 |
| Q1 2026 | $623,000 |
| Q4 2025 | $2M |
| Q3 2025 | $279,000 |
| Q2 2025 | $557,000 |
| Q1 2025 | $182,000 |
| Q4 2024 | $152,000 |
HFBL spent $3M buying back its own shares over the past year, up 191% from the year before.
MS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.2% | -3M shares |
| 1 year | -1.5% | -24M shares |
| 3 years | -4.7% | -77M shares |
| 5 years | -14% | -246M shares |
| Available history | -4.5% | -74M shares |
MS has the edge over HFBL on shareholder dilution, with a more favorable share count trend.
HFBL Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -3.6x | Net Cash |
| Q2 2026 | 0.2x | Very low |
| Q1 2026 | -2.9x | Net Cash |
| Q4 2025 | -1.9x | Net Cash |
| Q3 2025 | -3.1x | Net Cash |
| Q2 2025 | 0.3x | Very low |
| Q1 2025 | -5.1x | Net Cash |
| Q4 2024 | -3.1x | Net Cash |
HFBL has the edge over MS on leverage, with a lower net debt burden relative to earnings.
MS Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 7.8x | High |
| Q2 2026 | 7.3x | High |
| Q1 2026 | 8.2x | High |
| Q4 2025 | 8.6x | High |
| Q3 2025 | 8.4x | High |
| Q2 2025 | 8.7x | High |
| Q1 2025 | 8.7x | High |
| Q4 2024 | 7.9x | High |
MS's net debt is about 7.8 years of its operating earnings (EBITDA), down from 8.4 years a year ago. Net leverage isn't a meaningful measure for financial services companies like MS.
HFBL Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 49.0 | Neutral |
| Stochastic | 34.0 | Neutral |
HFBL's weekly RSI is 49 (neutral) and its Stochastic is 34 (neutral).
MS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 45.0 | Neutral |
| Stochastic | 18.7 | Oversold |
MS's weekly RSI is 45 (neutral) and its Stochastic is 19 (oversold).
HFBL PE vs Financial Services Sector
| Metric | HFBL | Sector median | Relative |
|---|---|---|---|
| PE | 11x | 13x | 19% below |
| PE % | 28 | 63 | 35 pts below |
HFBL has the edge over MS on valuation relative to its sector.
MS PE vs Financial Services Sector
| Metric | MS | Sector median | Relative |
|---|---|---|---|
| PE | 15x | 13x | 15% above |
| PE % | 59 | 63 | 4 pts below |
MS is trading at 15x earnings, a 15% premium to the Financial Services sector's median of 13x.
HFBL Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $23.5 | 4.9% below |
| 20 week MA | $23.8 | 6.2% below |
| 50 week MA | $20.6 | 8.6% above |
| 100 week MA | $17.1 | 31% above |
| 200 week MA | $15.5 | 44% above |
HFBL has pulled back, but its long-term trend is still up: it's below its 8- and 20-week averages, but 44% above its 200-week average.
MS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $186.5 | 1.5% above |
| 20 week MA | $203.3 | 6.9% below |
| 50 week MA | $191.9 | 1.4% below |
| 100 week MA | $164.9 | 15% above |
| 200 week MA | $129.3 | 46% above |
MS's trend is mixed: it's above three of its five weekly moving averages, and 46% above its 200-week average.
HFBL Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $18.3 | $13.8 | -25% |
| 2021 | $13.8 | $20.4 | +48% |
| 2022 | $20.4 | $17.3 | -15% |
| 2023 | $17.3 | $14.3 | -17% |
| 2024 | $14.3 | $12.6 | -12% |
| 2025 | $12.6 | $16.6 | +32% |
| 2026 YTD | $16.6 | $22.4 | +35% |
HFBL has the edge over MS on returns for 2026, with the stronger performance.
MS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $51.1 | $68.1 | +33% |
| 2021 | $68.1 | $99.3 | +46% |
| 2022 | $99.3 | $86.1 | -13% |
| 2023 | $86.1 | $93.3 | +8.3% |
| 2024 | $93.3 | $126.8 | +36% |
| 2025 | $126.8 | $181.9 | +43% |
| 2026 YTD | $181.9 | $189.2 | +4% |
MS has finished higher in five of the last six years. It's up 4% so far in 2026.