COMP <GO>

HFBL vs KFFB // EV/EBITDA & P/E VALUATION

Home Federal Bancorp Inc. of Louisiana (NASDAQ) VS. Kentucky First Federal Bancorp (NASDAQ) • 15-METRIC TALLY: HFBL 6 — KFFB 0

■ METRIC PARITY

LAST: $22.36 (-1.67%) • MKT CAP: $67.8M

valuation

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LAST: $5.40 (-0.42%) • MKT CAP: $43.6M

valuation

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15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (HFBL VS. KFFB) EMERALD CELL = QUANTITATIVE EDGE

INSTITUTIONAL METRIC	HFBL	KFFB	SPREAD (A - B)	ADVANTAGE	DEDICATED URL
Gross Profit Margin	—	—	—	TIE	/gross-margins <GO>
Return on Invested Capital (ROIC)	6.70%	0.40%	+6.30	HFBL	/roic <GO>
EV/EBITDA & P/E Valuation ACTIVE	—	—	—	TIE	/valuation <GO>
Free Cash Flow Yield	8.08%	-0.54%	+8.62	HFBL	/fcf-yield <GO>
Operating Margin	—	—	—	TIE	/operating-margins <GO>
Net Profit Margin	68.00%	—	—	TIE	/net-margins <GO>
Revenue Growth (YoY)	17.50%	—	—	TIE	/revenue-growth <GO>
Dividend Yield & FCF Payout Safety	2.40%	0.00%	+2.40	HFBL	/dividend-safety <GO>
Altman Z-Score & Debt/Equity	—	—	—	TIE	/balance-sheet <GO>
Piotroski F-Score Quality	6/9	2/9	+4.00	HFBL	/piotroski-score <GO>
Options Implied Move & Put/Call Skew	—	—	—	TIE	/options-implied-move <GO>
RSI-14 & 200D SMA Momentum	47.6	44.9	+2.66	HFBL	/rsi-technicals <GO>
10Y Yield & FRED Macro Beta	—	—	—	TIE	/macro-sensitivity <GO>
Forward P/E Multiple	14.6x	—	—	TIE	/forward-pe <GO>
Enterprise Scale & Market Cap	$67.8M	$43.6M	$24.1M	HFBL	/market-cap <GO>

5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY

FISCAL YEAR	HFBL REV	KFFB REV	HFBL GROSS %	KFFB GROSS %	HFBL FCF	KFFB FCF
FY 2025	$1.3M	$0	—	—	$5.5M	-$235.0K
FY 2024	$1.1M	$0	—	—	$2.3M	-$1.5M
FY 2023	$1.5M	$0	—	—	$12.1M	$1.2M

FRED MACRO REGIME CORRELATION COMPARISON PEARSON r

HFBL // BETA —

KFFB // BETA —