Home Federal Bancorp Q1 Net Income Rises 19.5% to $1.911M, EPS $0.64
HFBL sits 64% above its 52-week low of $12.32 on elevated volume (3.4× avg).
Summary
Home Federal Bancorp earned $1.911 million, or $0.64 per basic share, for the quarter ended September 30, 2026, up from $1.599 million and $0.53 a year ago, as margins widened and non-performing assets were cut by more than half.
Key Events · Earnings and Guidance · HFBL
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Q1 Net Income Up 19.5%
Net income was $1.911 million versus $1.599 million a year earlier; basic EPS rose to $0.64 from $0.53 and diluted EPS to $0.62 from $0.52.
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Margin Expansion Drives Revenue
Net interest income increased $643,000, or 12.2%, to $5.904 million as the net interest margin widened to 3.83% from 3.63% and the average rate spread to 3.17% from 2.99%.
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Non-Performing Assets Cut Sharply
Non-performing assets fell to $1.556 million, or 0.24% of total assets, from $3.649 million at June 30, 2026; the allowance covered 470.04% of non-performing loans.
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Credit Provision Jumps
The provision for credit losses rose $232,000, or 539.5%, to $275,000, and other real estate owned write-downs added $100,000 tied to one large commercial property.
Analysis · HFBL · Finance
Net income climbed to $1.911 million from $1.599 million a year earlier, lifting basic EPS to $0.64 from $0.53. Wider lending spreads drove the improvement: net interest margin came in at 3.83% versus 3.63%, and a $204,000 gain on the bulk sale of 44 rental properties added to the upside. Asset quality improved sharply, with non-performing assets falling to $1.556 million, or 0.24% of total assets, from $3.649 million at June 30, 2026. Offsetting those gains, the credit-loss provision jumped to $275,000 from $43,000, and the bank took on $14.0 million of FHLB advances while deposits slipped 0.4%.
How filings like this one have moved
In the 30 days to Oct 27, 2026, 29.9% of the 1374 measured filings Wiseek scored 7 moved their stock by 5% or more by the next session's close. The median move was -0.12%. These are measured outcomes after filings of this importance, not a forecast for this one.
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At the time of this filing, HFBL was trading at $20.26 on NASDAQ in the Finance sector, with a market capitalization of approximately $61.4M. The 52-week trading range was $12.32 to $28.00. This filing was assessed with positive market sentiment and an importance score of 7 out of 10.