Home Bancorp, Inc. (HBCP) 10-Year Financial Performance & Capital Metrics

HBCP • • Banking & Credit

Financial ServicesRegional BanksCommunity & Regional Retail BankingSoutheast Community Banks

AboutHome Bancorp, Inc. operates as the bank holding company for Home Bank, National Association that provides various banking products and services in Louisiana and Mississippi. It offers deposit products, including interest-bearing and noninterest-bearing checking, money market, savings, NOW, and certificates of deposit accounts. The company also provides various loan products, such as one-to four-family first mortgage loans, home equity loans and lines, commercial real estate loans, construction and land loans, multi-family residential loans, commercial and industrial loans, and consumer loans. In addition, it invests in securities; and offers credit cards and online banking services. The company operates through a network of 19 banking offices in the Acadiana, four banking offices in Baton Rouge, six banking offices in the Greater New Orleans area, six banking offices in the Northshore region, and three banking offices in Natchez. Home Bancorp, Inc. was founded in 1908 and is headquartered in Lafayette, Louisiana.Show more

Net Interest Income $120M -0.4%
Total Revenue $199M +11.8%
Net Income $36M -9.5%
Return on Equity 9.54% -17.3%
Net Interest Margin 3.49% -3.9%
Efficiency Ratio 43.72% -5.3%
ROA 1.08% -12.4%
Equity / Assets 11.5% +3.9%
Book Value per Share 49.72 +9.1%
Tangible BV/Share 39.04 +12.0%
Debt/Equity 0.59 -13.5%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Strong Piotroski F-Score: 7/9
✓Efficient operations: 43.7% efficiency ratio
✓11 consecutive years of dividend growth
✓Well capitalized: 11.5% equity/assets
✓Trading near 52-week high
✓Trading at only 1.2x book value

✗Weaknesses

No significant weaknesses identified

Price & Volume

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Growth Metrics

Revenue CAGR

10Y12.3%

5Y11.32%

3Y17.42%

TTM-

Profit (Net Income) CAGR

10Y13.95%

5Y5.45%

3Y-9.18%

TTM22.65%

EPS CAGR

10Y12.4%

5Y8.42%

3Y-7.48%

TTM24.89%

ROCE

10Y Avg10.35%

5Y Avg11.09%

3Y Avg10.18%

Latest8.81%

Peer Comparison

Southeast Community Banks

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
FFINFirst Financial Bankshares, Inc.	4.68B	32.65	20.93	18.79%	30.24%	14.14%	6.26%	0.12
FHNFirst Horizon Corporation	11.85B	24.44	17.97	4.71%	15.7%	9.58%	10.33%	0.50
AUBAtlantic Union Bankshares Corporation	5.47B	38.36	17.13	28.8%	15.53%	4.22%	5.51%	0.17
UCBUnited Community Banks, Inc.	4.09B	33.91	16.62	14.65%	17.05%	8.83%	7.4%	0.13
SNVSynovus Financial Corp.	6.95B	50.05	16.52	1.16%	14.09%	13.7%	11.01%	0.35
PNFPPinnacle Financial Partners, Inc.	14.67B	97.65	16.38	15.32%	16.65%	9.1%	5.5%	0.39
CADECadence Bank	8.27B	44.40	16.03	32.37%	18.03%	9.08%	9.39%	0.01
ABCBAmeris Bancorp	5.56B	81.41	15.69	9.75%	21.97%	9.91%	2.53%	0.11

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	54.54M	62.42M	67.85M	92.01M	86M	92.21M	100.99M	118.02M	120.69M	120.26M
NII Growth %	0.07%	0.14%	0.09%	0.36%	-0.07%	0.07%	0.1%	0.17%	0.02%	-0%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	58.41M	67.68M	74.4M	102.31M	102.21M	104.13M	106.9M	125.93M	163.66M	184.77M
Interest Expense	3.87M	5.27M	6.55M	10.31M	16.21M	11.92M	5.91M	7.92M	42.97M	64.5M
Loan Loss Provision	2.07M	3.2M	2.32M	3.94M	3.01M	12.73M	-9.77M	7.77M	2.84M	2.52M
Non-Interest Income+	8.77M	11.16M	9.96M	13.45M	14.41M	14.3M	16.27M	13.88M	14.64M	14.63M
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	67.18M	78.84M	84.36M	115.76M	116.62M	118.43M	123.17M	139.81M	178.3M	199.39M
Revenue Growth %	0.07%	0.17%	0.07%	0.37%	0.01%	0.02%	0.04%	0.14%	0.28%	0.12%
Non-Interest Expense	42.02M	46.8M	46.18M	63.23M	63.6M	62.98M	66.59M	81.63M	82.34M	87.18M
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	19.22M	23.58M	29.32M	38.28M	33.79M	30.81M	60.44M	42.5M	50.15M	45.18M
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	0.27%	0.23%	0.24%	0.31%	-0.12%	-0.09%	0.96%	-0.3%	0.18%	-0.1%
Pretax Income+	19.22M	23.58M	29.32M	38.28M	33.79M	30.81M	60.44M	42.5M	50.15M	45.18M
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	6.67M	7.57M	12.49M	6.7M	5.86M	6.04M	11.82M	8.43M	9.91M	8.76M
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	12.55M	16.01M	16.82M	31.59M	27.93M	24.77M	48.62M	34.07M	40.24M	36.43M
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	0.27%	0.28%	0.05%	0.88%	-0.12%	-0.11%	0.96%	-0.3%	0.18%	-0.09%
Net Income (Continuing)	12.55M	16.01M	16.82M	31.59M	27.93M	24.77M	48.62M	34.07M	40.24M	36.43M
EPS (Diluted)+	1.79	2.25	2.41	3.40	3.05	2.85	5.77	4.16	4.99	4.57
EPS Growth %	0.26%	0.26%	0.07%	0.41%	-0.1%	-0.07%	1.02%	-0.28%	0.2%	-0.08%
EPS (Basic)	1.87	2.34	2.50	3.48	3.08	2.86	5.80	4.19	5.01	4.58
Diluted Shares Outstanding	7M	7.11M	7.38M	9.29M	9.15M	8.7M	8.43M	8.19M	8.06M	7.97M

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	29.94M	31.2M	152.84M	60.56M	40.3M	188.3M	601.79M	87.75M	75.83M	98.55M
Short Term Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Total Investments+	1.41B	1.42B	1.9B	1.91B	1.97B	2.21B	2.15B	2.89B	2.99B	3.09B
Investments Growth %	0.29%	0%	0.34%	0.01%	0.03%	0.13%	-0.03%	0.34%	0.03%	0.04%
Long-Term Investments	1.23B	1.23B	1.66B	1.65B	1.71B	1.96B	1.82B	2.4B	2.97B	3.07B
Accounts Receivables	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	0	0
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	0	0	0	58.49M	58.49M	58.49M	58.49M	81.52M	81.52M	81.52M
Intangible Assets	0	0	0	7.84M	5.98M	4.62M	3.46M	6.46M	4.86M	3.53M
PP&E (Net)	40.82M	39.57M	45.6M	47.12M	46.42M	45.5M	43.54M	43.56M	41.98M	42.32M
Other Assets	19.67M	20.15M	28.9M	29.56M	39.47M	40.33M	40.36M	46.28M	130.39M	127.79M
Total Current Assets	257.03M	251.41M	423.68M	364.56M	339.47M	483.42M	970.18M	647.85M	91.95M	114.46M
Total Non-Current Assets	1.29B	1.31B	1.8B	1.79B	1.86B	2.11B	1.97B	2.58B	3.23B	3.33B
Total Assets+	1.55B	1.56B	2.23B	2.15B	2.2B	2.59B	2.94B	3.23B	3.32B	3.44B
Asset Growth %	0.27%	0%	0.43%	-0.03%	0.02%	0.18%	0.13%	0.1%	0.03%	0.04%
Return on Assets (ROA)	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.02%	0.01%	0.01%	0.01%
Accounts Payable	17.5M	10.28M	12.2M	12.16M	17M	21.82M	18.91M	29.38M	0	0
Total Debt+	125.15M	118.53M	71.83M	64.24M	46.16M	34.36M	31.59M	235.76M	252.49M	235.54M
Net Debt	95.21M	87.33M	-81.01M	3.68M	5.86M	-153.94M	-570.21M	148.01M	176.56M	137M
Long-Term Debt	85.21M	78.53M	68.18M	64.24M	46.16M	34.36M	31.59M	80.77M	102.49M	98.32M
Short-Term Debt	39.94M	40M	3.64M	0	0	0	0	155M	150M	137.22M
Other Liabilities	0	0	0	0	0	0	0	0	29.56M	31.34M
Total Current Liabilities	1.3B	1.3B	1.88B	1.79B	1.84B	2.24B	2.55B	2.82B	2.82B	2.92B
Total Non-Current Liabilities	85.21M	78.53M	68.18M	64.24M	46.16M	34.36M	31.59M	80.77M	132.05M	129.66M
Total Liabilities	1.39B	1.38B	1.95B	1.85B	1.88B	2.27B	2.59B	2.9B	2.95B	3.05B
Total Equity+	165.05M	179.84M	277.87M	304.04M	316.33M	321.84M	351.9M	329.95M	367.44M	396.09M
Equity Growth %	0.07%	0.09%	0.55%	0.09%	0.04%	0.02%	0.09%	-0.06%	0.11%	0.08%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	0.08%	0.09%	0.07%	0.11%	0.09%	0.08%	0.14%	0.1%	0.12%	0.1%
Book Value per Share	23.57	25.31	37.67	32.72	34.59	36.98	41.75	40.27	45.56	49.72
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	72.4K	73.5K	94K	95K	93K	87K	85K	83K	81K	81K
Additional Paid-in Capital	76.95M	79.43M	165.34M	168.24M	168.54M	164.99M	164.98M	164.94M	165.82M	168.14M
Retained Earnings	91.86M	104.65M	117.31M	141.45M	150.16M	154.28M	188.51M	206.3M	234.62M	259.19M
Accumulated OCI	871.76K	11.77K	-955K	-2.21M	692K	5.27M	744K	-39.31M	-31.38M	-29.98M
Treasury Stock	0	0	0	0	0	0	0	0	0	0
Preferred Stock	0	0	0	0	0	0	0	0	0	0

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	36.17M	20.49M	24.75M	47.13M	43.94M	49.03M	55.72M	51.2M	41.36M	48.73M
Operating CF Growth %	0.3%	-0.43%	0.21%	0.9%	-0.07%	0.12%	0.14%	-0.08%	-0.19%	0.18%
Net Income	12.55M	16.01M	16.82M	31.59M	27.93M	24.77M	48.62M	34.07M	40.24M	36.43M
Depreciation & Amortization	1.99M	2.05M	2.16M	2.65M	2.99M	3.22M	3.08M	3.46M	3.57M	3.5M
Deferred Taxes	630.86K	-321K	5.23M	2.14M	137K	-1.59M	2.54M	-882K	-33K	-44K
Other Non-Cash Items	6.49M	9.52M	8.84M	17.92M	6.51M	18.49M	4.18M	13.63M	5.38M	4.87M
Working Capital Changes	13.38M	-8.34M	-10.44M	-9.71M	3.96M	2.09M	-5.07M	-1.52M	-10.18M	1.21M
Cash from Investing+	-61.93M	-11.5M	78.67M	-24.68M	-72.33M	-260.04M	54.93M	-495.35M	-94.25M	-107.11M
Purchase of Investments	-21.64M	-47.08M	-57M	-78.46M	-68.52M	-91.98M	-167.58M	-238.5M	0	-10.51M
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	-56.4M	0	68.21M	0	0	0	0	-27.3M	0	0
Other Investing	-34.75M	2M	12.73M	1.11M	-76.35M	-267.35M	138.43M	-285.76M	-155.55M	-136.32M
Cash from Financing+	21.49M	-4.47M	17.68M	-113.24M	8.62M	359.11M	302.85M	-69.89M	41.33M	81.09M
Dividends Paid	-2.16M	-2.99M	-4.07M	-6.71M	-7.9M	-7.9M	-7.87M	-7.78M	-8.22M	-8.19M
Share Repurchases	-3.47M	-357K	-70K	-1.19M	-15.45M	-14.01M	-8.9M	-11.33M	-5.26M	-4.77M
Stock Issued	0	0	0	0	0	0	0	0	0	0
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	1000K	-1000K	-1000K	-1000K	-1000K	-1000K	-1000K	1000K	1000K	-1000K
Other Financing	25.34M	5.35M	85.85M	-92.12M	50.1M	392.85M	322.41M	-254.82M	38.31M	111.22M
Net Change in Cash+	-4.28M	4.52M	121.1M	-90.8M	-19.77M	148.1M	413.49M	-514.04M	-11.57M	22.72M
Exchange Rate Effect	0	0	0	0	0	0	0	0	0	0
Cash at Beginning	29.08M	24.8M	29.32M	150.42M	59.62M	39.85M	187.95M	601.44M	87.4M	75.83M
Cash at End	24.8M	29.31M	150.42M	59.62M	39.85M	187.95M	601.44M	87.4M	75.83M	98.55M
Interest Paid	3.84M	5.21M	6.55M	10.39M	16.07M	11.93M	6.22M	7.74M	41.88M	62.1M
Income Taxes Paid	3.7M	7.91M	10.05M	5.08M	3.17M	5.43M	12M	6.54M	12.63M	6.52M
Free Cash Flow+	35.34M	16.38M	22.84M	42.12M	40.1M	46.88M	53.24M	48.49M	39.33M	44.67M
FCF Growth %	0.44%	-0.54%	0.39%	0.84%	-0.05%	0.17%	0.14%	-0.09%	-0.19%	0.14%

Banking Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	7.86%	9.28%	7.35%	10.86%	9.01%	7.76%	14.43%	9.99%	11.54%	9.54%
Return on Assets (ROA)	0.91%	1.03%	0.89%	1.44%	1.28%	1.03%	1.76%	1.11%	1.23%	1.08%
Net Interest Margin	3.51%	4.01%	3.05%	4.27%	3.91%	3.56%	3.44%	3.66%	3.64%	3.49%
Efficiency Ratio	62.55%	59.36%	54.74%	54.62%	54.54%	53.18%	54.06%	58.39%	46.18%	43.72%
Equity / Assets	10.64%	11.55%	12.47%	14.12%	14.38%	12.42%	11.98%	10.22%	11.07%	11.5%
Book Value / Share	23.57	25.31	37.67	32.72	34.59	36.98	41.75	40.27	45.56	49.72
NII Growth	6.87%	14.43%	8.7%	35.6%	-6.53%	7.23%	9.52%	16.86%	2.27%	-0.36%
Dividend Payout	17.23%	18.67%	24.19%	21.23%	28.28%	31.91%	16.18%	22.83%	20.43%	22.48%

Revenue by Segment

	2018	2019	2020	2021	2022	2023	2024
Credit Card	4.49M	4.52M	4.87M	5.93M	6.28M	7.05M	6.53M
Credit Card Growth	-	0.49%	7.79%	21.92%	5.80%	12.29%	-7.46%
Deposit Account	6.37M	5.94M	4.65M	4.7M	4.92M	4.99M	5.12M
Deposit Account Growth	-	-6.75%	-21.78%	1.21%	4.64%	1.46%	2.52%

Frequently Asked Questions

Valuation & Price

Home Bancorp, Inc. (HBCP) has a price-to-earnings (P/E) ratio of 13.4x. This may indicate the stock is undervalued or faces growth challenges.

Growth & Financials

Home Bancorp, Inc. (HBCP) grew revenue by 11.8% over the past year. This is steady growth.

Yes, Home Bancorp, Inc. (HBCP) is profitable, generating $44.3M in net income for fiscal year 2024 (18.3% net margin).

Dividend & Returns

Yes, Home Bancorp, Inc. (HBCP) pays a dividend with a yield of 1.67%. This makes it attractive for income-focused investors.

Home Bancorp, Inc. (HBCP) has a return on equity (ROE) of 9.5%. This is below average, suggesting room for improvement.

Industry Metrics

Home Bancorp, Inc. (HBCP) has a net interest margin (NIM) of 3.5%. This indicates healthy earnings from lending activities.

Home Bancorp, Inc. (HBCP) has an efficiency ratio of 43.7%. This is excellent, indicating strong cost control.

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