Q3 EPS Climbs to $0.64 as Margin Widens and Bad Loans Shrink
HFBL sits 64% above its 52-week low of $12.32 on elevated volume (3.4× avg).
Summary
Q3 net income came in at $1.911M versus $1.599M a year ago, lifting basic EPS to $0.64 from $0.53. The core driver was the net interest margin, which widened to 3.83% from 3.63%, pushing net interest income up $643K, or 12.2%. Credit quality improved too: non-performing assets dropped to $1.556M from $3.649M, reversing the uptick flagged in the FY2026 10-K filed September 25th. The soft spot is funding — deposits fell $2.369M quarter over quarter and reliance on $14M of FHLB advances increased, so the margin gain leans partly on wholesale borrowings. This follows the October 21st 8-K declaring the regular $0.15 quarterly dividend, payable November 16th.
At the time of this announcement, 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 news item was assessed with positive market sentiment and an importance score of 7 out of 10. Source: Wiseek News.