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Side-by-side financial comparison of CaliberCos Inc. (CWD) and Home Federal Bancorp, Inc. of Louisiana (HFBL). Click either name above to swap in a different company.
Home Federal Bancorp, Inc. of Louisiana is the larger business by last-quarter revenue ($6.0M vs $4.1M, roughly 1.5× CaliberCos Inc.). Home Federal Bancorp, Inc. of Louisiana runs the higher net margin — 27.8% vs -188.3%, a 216.2% gap on every dollar of revenue. On growth, Home Federal Bancorp, Inc. of Louisiana posted the faster year-over-year revenue change (18.2% vs -52.5%). Over the past eight quarters, Home Federal Bancorp, Inc. of Louisiana's revenue compounded faster (10.7% CAGR vs -57.6%).
CaliberCos Inc. is a U.S.-headquartered alternative asset management firm focused primarily on real estate investments. It offers a diverse suite of investment vehicles covering commercial, residential, and industrial real estate assets, serving institutional investors, high-net-worth individuals, and retail clients across North America. It also delivers asset management, property operation, and value-add real estate development services to support consistent long-term returns for investors.
Home Federal Bancorp, Inc. of Louisiana is a U.S. bank holding company based in Louisiana. It operates community banking services via its subsidiary, offering retail customers and local small businesses a full suite of financial products including deposit accounts, consumer loans, mortgage loans, and commercial financing, primarily serving local markets across Louisiana.
CWD vs HFBL — Head-to-Head
Income Statement — Q4 FY2025 vs Q2 FY2026
| Metric | | |
|---|---|---|
| Revenue | $4.1M | $6.0M |
| Net Profit | $-7.7M | $1.7M |
| Gross Margin | — | — |
| Operating Margin | -196.6% | 35.1% |
| Net Margin | -188.3% | 27.8% |
| Revenue YoY | -52.5% | 18.2% |
| Net Profit YoY | 32.2% | 64.2% |
| EPS (diluted) | $1.95 | $0.54 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $4.1M | $6.0M | ||
| Q3 25 | $3.6M | $5.9M | ||
| Q2 25 | $5.1M | $5.6M | ||
| Q1 25 | $7.3M | $5.2M | ||
| Q4 24 | $8.7M | $5.1M | ||
| Q3 24 | $11.3M | $4.7M | ||
| Q2 24 | $8.2M | $4.9M | ||
| Q1 24 | $23.0M | $4.9M |
| Q4 25 | $-7.7M | $1.7M | ||
| Q3 25 | $-4.4M | $1.6M | ||
| Q2 25 | $-5.3M | $1.2M | ||
| Q1 25 | $-4.4M | $748.0K | ||
| Q4 24 | $-11.4M | $1.0M | ||
| Q3 24 | $146.0K | $941.0K | ||
| Q2 24 | $-4.7M | $638.0K | ||
| Q1 24 | $-3.8M | $732.0K |
| Q4 25 | -196.6% | 35.1% | ||
| Q3 25 | -129.6% | 34.1% | ||
| Q2 25 | -112.4% | 27.5% | ||
| Q1 25 | -62.7% | 18.3% | ||
| Q4 24 | -236.8% | 23.7% | ||
| Q3 24 | 0.0% | 19.9% | ||
| Q2 24 | -65.0% | 16.9% | ||
| Q1 24 | -22.9% | 18.5% |
| Q4 25 | -188.3% | 27.8% | ||
| Q3 25 | -120.2% | 27.1% | ||
| Q2 25 | -104.5% | 20.9% | ||
| Q1 25 | -60.7% | 14.4% | ||
| Q4 24 | -247.6% | 20.0% | ||
| Q3 24 | 1.3% | 19.9% | ||
| Q2 24 | -57.8% | 13.1% | ||
| Q1 24 | -16.6% | 14.9% |
| Q4 25 | $1.95 | $0.54 | ||
| Q3 25 | $-1.65 | $0.52 | ||
| Q2 25 | $-4.15 | $0.38 | ||
| Q1 25 | $-3.85 | $0.24 | ||
| Q4 24 | $-10.15 | $0.33 | ||
| Q3 24 | $0.12 | $0.31 | ||
| Q2 24 | $-4.34 | $0.21 | ||
| Q1 24 | $-3.53 | $0.24 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $2.9M | — |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $1.3M | $57.7M |
| Total Assets | $135.4M | $621.4M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $2.9M | — | ||
| Q3 25 | $10.9M | — | ||
| Q2 25 | $683.0K | — | ||
| Q1 25 | $1.6M | — | ||
| Q4 24 | $2.3M | — | ||
| Q3 24 | $1.6M | — | ||
| Q2 24 | $1.8M | — | ||
| Q1 24 | $2.1M | — |
| Q4 25 | $1.3M | $57.7M | ||
| Q3 25 | $4.2M | $56.6M | ||
| Q2 25 | $-19.9M | $55.2M | ||
| Q1 25 | $-15.8M | $54.7M | ||
| Q4 24 | $-12.6M | $53.9M | ||
| Q3 24 | $-3.8M | $54.3M | ||
| Q2 24 | $-4.7M | $52.8M | ||
| Q1 24 | $-745.0K | $52.5M |
| Q4 25 | $135.4M | $621.4M | ||
| Q3 25 | $82.6M | $622.6M | ||
| Q2 25 | $59.3M | $609.5M | ||
| Q1 25 | $103.6M | $619.6M | ||
| Q4 24 | $105.5M | $607.8M | ||
| Q3 24 | $158.6M | $628.4M | ||
| Q2 24 | $195.2M | $637.5M | ||
| Q1 24 | $201.5M | $643.0M |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $-12.1M | $2.9M |
| Free Cash FlowOCF − Capex | — | — |
| FCF MarginFCF / Revenue | — | — |
| Capex IntensityCapex / Revenue | — | — |
| Cash ConversionOCF / Net Profit | — | 1.70× |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $-12.1M | $2.9M | ||
| Q3 25 | $-4.6M | $2.8M | ||
| Q2 25 | $-1.2M | $5.5M | ||
| Q1 25 | $-1.7M | $991.0K | ||
| Q4 24 | $555.0K | $2.6M | ||
| Q3 24 | $-74.0K | $871.0K | ||
| Q2 24 | $1.4M | $2.3M | ||
| Q1 24 | $-1.5M | $650.0K |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | $843.0K | ||
| Q2 24 | — | $2.3M | ||
| Q1 24 | — | — |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 17.8% | ||
| Q2 24 | — | 46.8% | ||
| Q1 24 | — | — |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 0.6% | ||
| Q2 24 | — | 0.8% | ||
| Q1 24 | — | — |
| Q4 25 | — | 1.70× | ||
| Q3 25 | — | 1.74× | ||
| Q2 25 | — | 4.64× | ||
| Q1 25 | — | 1.32× | ||
| Q4 24 | — | 2.54× | ||
| Q3 24 | -0.51× | 0.93× | ||
| Q2 24 | — | 3.63× | ||
| Q1 24 | — | 0.89× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
