Home Federal Bancorp, Inc. of Louisiana (HFBL) Interest Coverage Ratio (2011 - 2025)
Home Federal Bancorp, Inc. of Louisiana's (HFBL) quarterly Interest Coverage Ratio came in at 1.79 in Q4 2025, up 28.1% on a YoY basis from 1.39 in Q4 2024, and up 3.05% quarter-over-quarter from 1.73 in Q3 2025.
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Home Federal Bancorp, Inc. of Louisiana (HFBL) Interest Coverage Ratio (2011 - 2025) Analysis & Trends
Home Federal Bancorp, Inc. of Louisiana (HFBL) has reported Interest Coverage Ratio for 15 consecutive years, with 1.79 the latest figure, recorded in Q4 2025.
- For the quarter ending Q4 2025, Interest Coverage Ratio rose 28.1% year-over-year to 1.79; the trailing twelve-month figure through Dec 2025 stood at 1.61 (up 24.83% YoY), and the FY2025 full-year result was 1.39, up 6.05% from the prior year.
- Interest Coverage Ratio climbed to 1.79 in Q4 2025 per HFBL's latest filing, from 1.73 in the prior quarter.
- Across five years, Interest Coverage Ratio topped out at 4.65 in Q1 2022 and bottomed at 0.34 in Q2 2023.
- Historically, Interest Coverage Ratio has averaged 2.44 across 5 years, with a median of 1.76 in 2025.
- The sharpest annual moves came in 2023 and 2024: Interest Coverage Ratio plunged 91.73% in 2023, then jumped 260.1% in 2024.
- Over 5 years, Interest Coverage Ratio stood at 3.95 in 2021, then slipped by 3.11% to 3.82 in 2022, then tumbled by 67.2% to 1.25 in 2023, then gained by 11.22% to 1.39 in 2024, then gained by 28.1% to 1.79 in 2025.
- According to Business Quant data, Interest Coverage Ratio over the past three periods registered 1.79, 1.73, and 1.58 for Q4 2025, Q3 2025, and Q2 2025 respectively.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Interest Cover (Qtr) |
|---|---|---|---|---|---|
| 1 | Banco Santander Chile | 424.88 Bn | 544.83 Bn | - | 0.09 |
| 2 | Truist Financial | 59.29 Bn | 59.29 Bn | - | 1.77 |
| 3 | Fifth Third Bancorp | 47.98 Bn | 24.26 Bn | - | 1.90 |
| 4 | M&T Bank | 32.82 Bn | 32.82 Bn | - | 2.28 |
| 5 | Huntington Bancshares | 32.08 Bn | 27.60 Bn | - | 1.67 |
| 6 | Citizens Financial | 28.34 Bn | 28.34 Bn | - | 1.83 |
| 7 | Regions Financial | 24.27 Bn | 24.34 Bn | - | 2.52 |
| 8 | Keycorp | 22.19 Bn | -25.51 Bn | - | 1.80 |
| 9 | First Citizens Bancshares | 21.93 Bn | 21.41 Bn | 29.00 Mn | -1.27 |
| 10 | Home Federal Bancorp, Inc. of Louisiana | 162.37 Mn | 143.11 Mn | - | 1.79 |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Dec 31, 2025 | 1.79 |
| Sep 30, 2025 | 1.73 |
| Jun 30, 2025 | 1.58 |
| Mar 31, 2025 | 1.35 |
| Dec 31, 2024 | 1.39 |
| Sep 30, 2024 | 1.28 |
| Jun 30, 2024 | 1.24 |
| Mar 31, 2024 | 1.26 |
| Dec 31, 2023 | 1.25 |
| Sep 30, 2023 | 1.55 |
| Jun 30, 2023 | 0.34 |
| Mar 31, 2023 | 1.87 |
| Dec 31, 2022 | 3.82 |
| Sep 30, 2022 | 4.53 |
| Jun 30, 2022 | 4.16 |
| Mar 31, 2022 | 4.65 |
| Dec 31, 2021 | 3.95 |
| Sep 30, 2021 | 4.10 |
| Jun 30, 2021 | 3.52 |
| Mar 31, 2021 | 3.41 |