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HBCPHome Bancorp, Inc.
$60.94$479M
Overview & Tools
OverviewChart Terminal ↗Visualize
Valuation & Forecasts
Valuation ModelsEstimatesDCF Model
Price & Analyst Data
Analyst TargetsPrice History
Financial Statements
Income StatementBalance SheetCash FlowRatios & Margins
Performance
P/E HistoryRevenue HistoryEarnings HistoryDividend HistoryTotal Return
Discovery & Screens
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HBCP logo

Home Bancorp, Inc.

HBCP
NASDAQ · Regional Banks
$60.94
At close - Nov 6, 4:00 PM EST - USD
Market Cap$479M
P/E10.8x
52W High$74.50
Volume80.26K
OverviewTerminalAnalysisFinancialsValuationEarningsBreakoutsOwnership
VCP Research Verdict2026Q3

Plateauing Margins Test HBCP's Capital Story

Home Bancorp's earnings engine appears to be losing altitude: net interest income growth slowed to 5.3% year over year in 2026Q3 from 13.5% in 2025Q2, while net interest margin has been pinned at 1.0% for five consecutive quarters, suggesting the rate-driven tailwind has largely been harvested.

GrowthDecelerating
ProfitabilityModerate
ValuationAttractive
TechnicalsWeak
Explore valuation models
MARKET ACTION

HBCP price & volume

Price trend, volume and key moving averages

Launch Terminal
Loading chart...
Decision Checklist4 Core Signals

What matters now

The signals most likely to change the investment case.

01

Earnings momentum

11/12 Beats

EPS beat 11 of last 12 quarters

02

Valuation risk

-21% Peers

P/E is 21% below peer median

03

Market leadership

RS 50 · Avg

Average momentum (RS Rating: 50)

04

Weak Trend

Below 200DMA

Price < 200DMA

Next CatalystEstimated earnings · Jan 19

Market performance

Price History →

Trailing total returns as of 11/8/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).

YTD Return
HBCP+8.29%
S&P 500 (^GSPC)+7.63%
1-Year Return
HBCP+16.41%
S&P 500 (^GSPC)+9.69%
3-Year Return
HBCP+77.96%
S&P 500 (^GSPC)+69.38%
5-Year Return
HBCP+51.88%
S&P 500 (^GSPC)+57.34%
02

Test the fundamentals

Check whether operating performance supports the current valuation.

VALUATION & INTRINSIC VALUE

Valuation Scenarios

Valuation Analysis
Trailing P/E5Y High
10.8x
Forward P/EExpansion
10.8x
EV/EBITDA25th %ile
6.6x
FCF YieldCash Flow
11.3%

Valuation vs 5-Year History

Multiple Range
Metric
Current
5Y Median
Historical Range
Percentile
P/E
10.8x
9.6x
100th· High
EV/EBITDA
6.6x
10.4x
25th· Low
Price/FCF
8.8x
8.2x
80th· High
Current Multiple
5Y Median (50th %ile)

Intrinsic Value Scenarios

DCF Projection
No DCF Model AvailableIntrinsic value modeling is not supported for this equity.

Growth & profitability

Annual revenue & EPS trend
Revenue FY25
$149M+10.3% YoY
Net income FY25
$46M+26.5% YoY
Free cash flow FY25
$44M-0.7% YoY
Operating margin FY25
39%+5.5 pts YoY
ROIC (FY25)7.7%
Avg ROIC 5Y7.7%
ROE (TTM)10%
Piotroski Score9 / 9
Financial Statements →
03

Monitor what changed

Recent results and news deserve attention only when they alter the forward view.

OPERATING RESULTS

Recent Earnings

Earnings History
EPS Beat Rate11/12 (92%)
Revenue Beat Rate10/12 (91%)
QuarterEPS (Act vs Est)Revenue (Act vs Est)
Q4 2026Latest
Oct 19, 2026
$1.28-14.7%
vs $1.50
$40M-0.3%
vs $40M
Q3 2026
Jul 20, 2026
$1.48+1.4%
vs $1.46
$40M+3.0%
vs $39M
Q2 2026
Apr 20, 2026
$1.45+4.3%
vs $1.39
$38M+1.6%
vs $38M
Q1 2026
Jan 26, 2026
$1.46+5.0%
vs $1.39
$38M+1.7%
vs $37M
Historical baseline: 12 quarters analyzedGAAP / Adjusted
MARKET COVERAGE

Latest News

4 Stories
Business Wire·Oct 22, 2026
Did You Lose Money on Home Bancorp, Inc. Stock? The Law Offices of Howard G.

BENSALEM, Pa.--(BUSINESS WIRE)--Investors who suffered losses on Home Bancorp, Inc. ("Home Bancorp" or the "Company") stock may have claims to recover those losses. The Law Offices of Howard G. Smith today reported that it is conducting a securities fraud investigation on behalf of Home Bancorp, Inc. (NASDAQ: HBCP) investors into whether the Company may have violated the federal securities laws. The investigation comes after a October 19, 2026 disclosure concerning Home Bancorp, Inc. Investors.

MarketBeat·Oct 20, 2026
Home Bancorp Q3 Earnings Call Highlights

Home Bancorp NASDAQ: HBCP reported third-quarter 2026 net income of $10.1 million, or $1.28 per share, as higher credit-related costs and foreclosed asset expenses weighed on results. The company also announced that Chairman and Chief Executive Officer John Bordelon plans to retire as CEO in January 2027, with President Darren Guidry set to succeed him.

The Motley Fool·Oct 20, 2026
Home Bancorp: 3 Key Takeaways for Long-Term Investors

CEO John Bordelon will retire in January 2027. Net interest income reached a record $35.9 million.

Seeking Alpha·Oct 20, 2026
Home Bancorp, Inc. (HBCP) Q3 2026 Earnings Call Transcript

Home Bancorp, Inc. ( HBCP ) Q3 2026 Earnings Call October 20, 2026 11:30 AM EDT Company Participants David Kirkley - Senior EVP & CFO John Bordelon - CEO & Chairman Darren Guidry - President Conference Call Participants Stephen Scouten - Piper Sandler & Co., Research Division Feddie Strickland - Hovde Group, LLC, Research Division Joseph Yanchunis - Raymond James & Associates, Inc., Research Division Presentation Operator Good morning, ladies and gentlemen. Welcome to Home Bancorp's Third Quarter 2026 Earnings Call.

Filtered for Home Bancorp, Inc.More Headlines
04

Compare before deciding

Benchmark HBCP against direct peers instead of judging its metrics in isolation.

Peers Comparison

Key metrics vs top competitors for Home Bancorp, Inc. (HBCP)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
HBCP logoHBCPHome Bancorp, Inc.Current
$60.94$479.48M10.7910.25%28.49%9.96%1.88%
FFIN logoFFINFirst Financial Bankshares, Inc.
$30.41$4.36B15.0216.23%42.9%15.14%2.43%
IBCP logoIBCPIndependent Bank Corporation
$36.31$748.21M11.254.57%29.92%13.61%2.85%
SFBS logoSFBSServisFirst Bancshares, Inc.
$41.08$4.49B13.1217.72%51.68%17.61%1.63%
HOPE logoHOPEHope Bancorp, Inc.
$13.18$1.68B12.785.26%22.78%5.82%4.17%
LKFN logoLKFNLakeland Financial Corporation
$61.15$1.52B13.586.1%40.12%15.07%3.26%

Compare HBCP vs Peers

Home Bancorp, Inc. (HBCP) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs FFIN

Most directly comparable listed peer for HBCP.

Scale Benchmark

vs ICE

Larger-name benchmark to compare HBCP against a more recognizable public peer.

Peer Set

Compare Top 5

vs FFIN, IBCP, SFBS, HOPE

05

Keep researching

Verify the primary filings, follow material updates, and answer the remaining questions.

HBCP SEC Filings & Documents

Home Bancorp, Inc. (HBCP) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Oct 19, 2026·SEC

Material company update

Oct 5, 2026·SEC

Material company update

Jul 20, 2026·SEC

10-K Annual Reports

3
FY 2026

Mar 6, 2026·SEC

FY 2025

Mar 12, 2025·SEC

FY 2024

Mar 8, 2024·SEC

10-Q Quarterly Reports

6
FY 2026

May 6, 2026·SEC

FY 2025

Nov 3, 2025·SEC

FY 2025

Aug 1, 2025·SEC

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HBCP Frequently Asked Questions

Home Bancorp, Inc. (HBCP) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is Home Bancorp, Inc. growing?

Home Bancorp, Inc. (HBCP) grew revenue by 7.0% over the trailing twelve months, compared with the twelve months before.

Is HBCP profitable?

Yes. Home Bancorp, Inc. (HBCP) earned $44.5M in net income over the trailing twelve months (a 28.5% net margin).

Dividend & Returns
Does HBCP pay dividends?

Yes. Home Bancorp, Inc. (HBCP) pays a dividend that yields 1.88% at the current price, a moderate yield.

What is HBCP's return on equity?

Home Bancorp, Inc. (HBCP) had a return on equity (ROE) of 10.0% over the trailing twelve months. That is below the market's typical 10-15%.

Industry Metrics
What is Home Bancorp, Inc.'s net interest margin?

Home Bancorp, Inc. (HBCP) has a net interest margin (NIM) of 3.8%. This indicates healthy earnings from lending activities.

What is Home Bancorp, Inc.'s efficiency ratio?

Home Bancorp, Inc. (HBCP) has an efficiency ratio of 60.2%. This is reasonable for a bank.

What if you invested $1,000 in HBCP back in 2006?

Total return calculator · dividends reinvested · 20+ years of data

See returns →