HFBL 8-K SEC Filing Analysis

Latest settled — T+20d ⚠ clustered

HFBL ▲ +1.49% at T+20d

NEUTRAL call ✓ call won +1.49% · α vs SPY -3.77% · entry $18.74 → $19.02

Next anchor: T+60d in 6w

Currently $19.40 · +3.52% from $18.74 entry

Entry anchored
Apr 30, 2026
via day open

T+1d

0.00%

call 0.00% · α +0.34%

$18.74

settled 6w ago

T+5d

+6.94%

call +6.94% · α +4.59%

$20.04

settled 5w ago

T+20d

+1.49%

call +1.49% · α -3.77%

$19.02

settled 15d ago

T+60d

—

call — · α —

—

in 6w

Price Chart

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Executive Summary

HFBL reported Q3 FY2026 net income of $1.472M ($0.48 diluted EPS), up 97% YoY from $0.748M ($0.24), driven by 15.7% net interest income growth and margin expansion. However, credit quality weakened sharply: non-performing assets rose 27% to $4.197M, provision surged to $269k from $6k, and allowance coverage dropped to 140% from 258%. The mixed signals prevent a clear bullish call.

Actionable Insight

The strong earnings growth is tempered by deteriorating credit metrics—watch for further provision increases and NPA migration in the next quarter. The lack of forward guidance leaves uncertainty; a clear credit catalyst could shift sentiment.

Key Facts

Net income $1.472M vs $0.748M YoY (+97%)
Diluted EPS $0.48 vs $0.24 YoY (+100%)
Net interest income $5.407M vs $4.674M (+15.7%)
Net interest margin 3.75% vs 3.33% (+42 bps)
Non-performing assets $4.197M vs $3.305M (+27%)
Provision for credit losses $269k vs $6k
Allowance coverage ratio 140.4% vs 257.7%
Repurchased 92,399 shares at avg $16.08 during 9 months

Financial Impact

EPS doubled YoY, but credit costs and NPAs rose significantly.

net incomeepsnet interest incomecredit lossesnon-performing assets

Risk Factors

Rising non-performing assets may signal broader credit stress
Provision for credit losses increased 44x YoY, pressuring margins
Sequential net income decline from Q2 ($1.675M) to Q3 ($1.472M)

Market Snapshot

Exchange

Nasdaq

Sector

Savings Institution, Federally Chartered

Documents Analyzed

This report is based on 6 SEC documents filed with EDGAR.

Document	Accession Number
8-K Filing (Primary)	0000927089-26-000080
Document: hfbil20260429_8k.htm	0000927089-26-000080
Document: 0000927089-26-000080-index-headers.html	0000927089-26-000080
Document: 0000927089-26-000080-index.html	0000927089-26-000080
Document: 0000927089-26-000080.txt	0000927089-26-000080
8-K Data (Synthetic)	0000927089-26-000080

4 reports for HFBL

T+1T+5T+20T+60

Track record builds as more directional reports settle.

Filters

Reports for HFBL — sortable, filterable
	Type				Now
Apr 30, 2026 6w ago	8-K MIXED ★ 5/10	$18.74 $19.02	▲ +1.49%	▼ −3.77%	$19.40 (+3.52%)
Apr 30, 2026 6w ago	Press Release BULLISH ★ 6/10	$18.74 $19.02	▲ +1.49%	▼ −3.77%	$19.40 (+3.52%)
Apr 15, 2026 8w ago	8-K NEUTRAL ★ 3/10	$19.06 $19.75	▲ +3.60%	▼ −2.22%	$19.40 (+1.76%)
Apr 15, 2026 8w ago	Press Release NEUTRAL ★ 3/10	$19.06 $19.75	▲ +3.60%	▼ −2.22%	$19.40 (+1.76%)

US Market Status

Market Closed — Opens Mon (49h 28m)

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