HFBL Income Statement

Financials in millions USD. Fiscal year is July - June.

Millions USD. Fiscal year is Jul - Jun.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Jun '25 Jun 30, 2025	Jun '24 Jun 30, 2024	Jun '23 Jun 30, 2023	Jun '22 Jun 30, 2022	Jun '21 Jun 30, 2021
Net Interest Income	20.28	18.67	18.95	21.55	17.36	16.94
Net Interest Income Growth	14.01%	-1.48%	-12.07%	24.17%	2.46%	11.59%
Non-Interest Income	2.51	2.01	1.58	2.1	3.48	5.45
Non-Interest Income Growth	39.17%	26.58%	-24.54%	-39.61%	-36.24%	39.83%
Revenues Before Loan Losses	22.79	20.68	20.54	23.65	20.83	22.39
Provision for Credit Losses	0.2	-0.13	0.04	0.87	0.34	1.8
Revenue	22.59	20.8	20.5	22.78	20.5	20.59
Revenue Growth (YoY)	14.56%	1.50%	-10.04%	11.15%	-0.47%	19.80%
Compensation Expenses	8.66	8.94	9.52	9.09	9.02	8.67
Selling, General & Admin	4.95	5.03	4.32	4.81	3.65	3.14
Other Non-Interest Expenses	2.34	2.18	2.58	2.12	1.83	1.98
Total Non-Interest Expense	15.95	16.15	16.43	16.01	14.5	13.78
Pretax Income	6.64	4.65	4.07	6.77	6	6.81
Provision for Income Taxes	1.44	0.77	0.48	1.07	1.13	1.45
Net Income	5.2	3.89	3.59	5.7	4.87	5.37
Net Income to Common	5.2	3.89	3.59	5.7	4.87	5.37
Net Income Growth	56.17%	8.21%	-37.01%	17.05%	-9.17%	39.35%
Shares Outstanding (Basic)	3	3	3	3	3	3
Shares Outstanding (Diluted)	3	3	3	3	3	3
Shares Change (YoY)	-0.08%	-0.14%	-2.23%	-9.00%	1.13%	-4.69%
EPS (Basic)	1.71	1.27	1.18	1.89	1.50	1.66
EPS (Diluted)	1.68	1.26	1.17	1.81	1.41	1.57
EPS Growth	54.13%	7.69%	-35.36%	28.37%	-10.19%	46.73%
Free Cash Flow	7.6	5.43	-0.37	10.92	14.49	5.98
Free Cash Flow Growth	40.10%	-	-	-24.58%	142.31%	-
Free Cash Flow Per Share	2.48	1.76	-0.12	3.46	4.18	1.74
Dividends Per Share	0.530	0.520	0.500	0.480	0.400	0.330
Dividend Growth	1.92%	4.00%	4.17%	20.00%	21.21%	3.13%
Profit Margin	22.87%	18.69%	17.53%	25.04%	23.77%	26.05%
FCF Margin	33.42%	26.08%	-1.80%	47.95%	70.67%	29.03%
EBITDA	1.16	1.08	0.94	0.87	0.76	0.67
EBITDA Margin	5.08%	5.21%	4.61%	3.81%	3.72%	3.23%
Effective Tax Rate	21.64%	16.46%	11.70%	15.75%	18.78%	21.22%

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q