Home Bancorp, Inc.(HBCP)Earnings, Financials & Key Ratios

HBCP•NASDAQ•Banking & Credit

11.3× P/E·Price updated Jun 19, 2026

SectorFinancial Services IndustryRegional Banks Sub-IndustryCommunity and retail regional 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$133M+10.8%
Total Revenue$209M+4.9%
Net Income$46M+26.5%
Return on Equity11.08%+16.2%
Net Interest Margin3.82%+9.2%
Efficiency Ratio42.8%-2.1%
ROA1.33%+23.3%
Equity / Assets12.46%+8.3%
Book Value per Share55.46+11.5%

HBCP Key Insights

Home Bancorp, Inc. (HBCP) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

✓Strong Piotroski F-Score: 9/9
✓Strong NIM of 3.8%
✓Efficient operations: 42.8% efficiency ratio
✓12 consecutive years of dividend growth
✓Well capitalized: 12.5% equity/assets
✓Trading near 52-week high

✗Weaknesses

No significant weaknesses identified

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

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HBCP Price & Volume

Home Bancorp, Inc. (HBCP) stock price & volume — 10-year historical chart

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HBCP Growth Metrics

Home Bancorp, Inc. (HBCP) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years12.03%

5 Years12.05%

3 Years14.38%

TTM-

Profit CAGR

10 Years13.89%

5 Years13.21%

3 Years10.57%

TTM26.45%

EPS CAGR

10 Years12.61%

5 Years15.55%

3 Years12.16%

TTM29.3%

Return on Capital

10 Years10%

5 Years10.51%

3 Years8.5%

Last Year5.65%

HBCP Recent Earnings

Home Bancorp, Inc. (HBCP) EPS & revenue vs analyst estimates — last 4 quarters

Full history →

●Beat EPS 10/12 qtrs (91%)●Beat Revenue 10/12 qtrs (100%)

Q2 2026Latest

Apr 20, 2026

Metric

Actual

Est

EPS

$1.45+4.3%

$1.39

Rev

$38M+1.6%

$38M

Q2 2026

Mar 6, 2026

Metric

Actual

Est

EPS

$1.46

—

Rev

$53M

—

Q1 2026

Jan 26, 2026

Metric

Actual

Est

EPS

$1.46+5.0%

$1.39

Rev

$38M+1.7%

$37M

Q4 2025

Oct 16, 2025

Metric

Actual

Est

EPS

$1.18-13.9%

$1.37

Rev

$38M+1.7%

$37M

Quarter	Date	EPS (Act vs Est)	Revenue (Act vs Est)
Q2 2026Latest	Apr 20, 2026	$1.45vs $1.39+4.3%	$38Mvs $38M+1.6%
Q2 2026	Mar 6, 2026	$1.46	$53M
Q1 2026	Jan 26, 2026	$1.46vs $1.39+5.0%	$38Mvs $37M+1.7%
Q4 2025	Oct 16, 2025	$1.18vs $1.37-13.9%	$38Mvs $37M+1.7%

Based on last 12 quarters of dataView full earnings history →

Company	Market Cap	Stock Price	P/E Ratio (TTM)	Revenue Growth 1Y	Net Margin	Return on Equity (ROE)	Debt / Equity
FFINFirst Financial Bankshares, Inc.Direct Competitor	4.7B	32.78	18.52	11.71%	30.71%	14.16%	0.01
IBCPIndependent Bank CorporationDirect Competitor	706.3M	34.31	10.49	-0.3%	22.12%	14.2%	0.23
SFBSServisFirst Bancshares, Inc.Direct Competitor	4.4B	80.46	15.90	4.13%	27.18%	15.75%	0.81
HOPEHope Bancorp, Inc.Direct Competitor	1.64B	12.84	27.91	-3.23%	6.05%	2.62%	0.17
LKFNLakeland Financial CorporationDirect Competitor	1.56B	59.86	14.93	-1.93%	24.51%	14.19%	0.24
CVBFCVB Financial Corp.Product Competitor	2.83B	20.81	13.69	-2.33%	32.48%	9.25%	0.43
BANFBancFirst CorporationProduct Competitor	3.77B	111.31	15.63	-9.29%	29.19%	13.68%	0.07
SBCFSeacoast Banking Corporation of FloridaProduct Competitor	3.01B	30.84	19.52	7.49%	16.13%	5.83%	0.44

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

HBCP Income Statement

Home Bancorp, Inc. (HBCP) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily

Metric	Dec'17	Dec'18	Dec'19	Dec'20	Dec'21	Dec'22	Dec'23	Dec'24	Dec'25
Net Interest Income	67.85M	92.01M	86M	92.21M	100.99M	118.02M	120.69M	120.26M	133.25M
NII Growth %	8.7%	35.6%	-6.53%	7.23%	9.52%	16.86%	2.27%	-0.36%	10.8%
Net Interest Margin %	3.05%	4.27%	3.91%	3.56%	3.44%	3.66%	3.64%	3.49%	3.82%
Interest Income	74.4M	102.31M	102.21M	104.13M	106.9M	125.93M	163.66M	184.77M	193.77M
Interest Expense	6.55M	10.31M	16.21M	11.92M	5.91M	7.92M	42.97M	64.5M	60.52M
Loan Loss Provision	2.32M	3.94M	3.01M	12.73M	-9.77M	7.77M	2.84M	2.52M	1.13M
Non-Interest Income	9.96M	13.45M	14.41M	14.3M	16.27M	13.88M	14.64M	14.63M	15.46M
Non-Interest Income %	11.81%	11.62%	12.36%	12.08%	13.21%	9.93%	8.21%	7.33%	7.39%
Total Revenue	84.36M▲ 0%	115.76M▲ 37.2%	116.62M▲ 0.7%	118.43M▲ 1.6%	123.17M▲ 4.0%	139.81M▲ 13.5%	178.3M▲ 27.5%	199.39M▲ 11.8%	209.23M▲ 4.9%
Revenue Growth %	7%	37.22%	0.75%	1.55%	4%	13.51%	27.52%	11.83%	4.93%
Non-Interest Expense	46.18M	63.23M	63.6M	62.98M	66.59M	81.63M	82.34M	87.18M	89.56M
Efficiency Ratio	54.74%	54.62%	54.54%	53.18%	54.06%	58.39%	46.18%	43.72%	42.8%
Operating Income	29.32M▲ 0%	38.28M▲ 30.6%	33.79M▼ 11.7%	30.81M▼ 8.8%	60.44M▲ 96.2%	42.5M▼ 29.7%	50.15M▲ 18.0%	45.18M▼ 9.9%	58.02M▲ 28.4%
Operating Margin %	34.75%	33.07%	28.98%	26.01%	49.07%	30.4%	28.12%	22.66%	27.73%
Operating Income Growth %	24.35%	30.59%	-11.74%	-8.83%	96.19%	-29.68%	17.98%	-9.9%	28.41%
Pretax Income	29.32M▲ 0%	38.28M▲ 30.6%	33.79M▼ 11.7%	30.81M▼ 8.8%	60.44M▲ 96.2%	42.5M▼ 29.7%	50.15M▲ 18.0%	45.18M▼ 9.9%	58.02M▲ 28.4%
Pretax Margin %	34.75%	33.07%	28.98%	26.01%	49.07%	30.4%	28.12%	22.66%	27.73%
Income Tax	12.49M	6.7M	5.86M	6.04M	11.82M	8.43M	9.91M	8.76M	11.96M
Effective Tax Rate %	42.61%	17.49%	17.34%	19.61%	19.55%	19.83%	19.75%	19.38%	20.61%
Net Income	16.82M▲ 0%	31.59M▲ 87.8%	27.93M▼ 11.6%	24.77M▼ 11.3%	48.62M▲ 96.3%	34.07M▼ 29.9%	40.24M▲ 18.1%	36.43M▼ 9.5%	46.06M▲ 26.5%
Net Margin %	19.94%	27.29%	23.95%	20.91%	39.47%	24.37%	22.57%	18.27%	22.01%
Net Income Growth %	5.1%	87.77%	-11.58%	-11.34%	96.33%	-29.92%	18.1%	-9.48%	26.45%
Net Income (Continuing)	16.82M	31.59M	27.93M	24.77M	48.62M	34.07M	40.24M	36.43M	46.06M
EPS (Diluted)	2.41▲ 0%	3.40▲ 41.1%	3.05▼ 10.3%	2.85▼ 6.6%	5.77▲ 102.5%	4.16▼ 27.9%	4.99▲ 20.0%	4.57▼ 8.4%	5.87▲ 28.4%
EPS Growth %	7.11%	41.08%	-10.29%	-6.56%	102.46%	-27.9%	19.95%	-8.42%	28.45%
EPS (Basic)	2.50	3.48	3.08	2.86	5.80	4.19	5.01	4.58	5.93
Diluted Shares Outstanding	7.38M	9.29M	9.15M	8.7M	8.43M	8.19M	8.06M	7.97M	7.85M

HBCP Balance Sheet

Home Bancorp, Inc. (HBCP) balance sheet — assets, liabilities & shareholders' equity

Metric	Dec'17	Dec'18	Dec'19	Dec'20	Dec'21	Dec'22	Dec'23	Dec'24	Dec'25
Cash & Short Term Investments	387.83M	320.69M	297.62M	443.05M	929.42M	574.27M	91.95M	114.46M	180.72M
Cash & Due from Banks	152.84M	60.56M	40.3M	188.3M	601.79M	87.75M	75.83M	98.55M	141.6M
Short Term Investments	234.99M	260.13M	257.32M	254.75M	327.63M	486.52M	16.02M	15.92M	39.12M
Total Investments	1.9B	1.91B	1.97B	2.21B	2.15B	2.89B	2.99B	3.09B	3.1B
Investments Growth %	33.91%	0.51%	3.22%	12.51%	-2.91%	34.39%	3.33%	3.5%	0.49%
Long-Term Investments	1.66B	1.65B	1.71B	1.96B	1.82B	2.4B	2.97B	3.07B	3.07B
Accounts Receivables	35.85M	43.87M	41.85M	40.37M	40.76M	73.58M	0	0	0
Goodwill & Intangibles	0	66.33M	64.47M	63.11M	61.95M	87.97M	86.37M	85.04M	83.96M
Goodwill	0	58.49M	58.49M	58.49M	58.49M	81.52M	81.52M	81.52M	81.52M
Intangible Assets	0	7.84M	5.98M	4.62M	3.46M	6.46M	4.86M	3.53M	2.44M
PP&E (Net)	45.6M	47.12M	46.42M	45.5M	43.54M	43.56M	41.98M	42.32M	48.99M
Other Assets	28.9M	29.56M	39.47M	40.33M	40.36M	46.28M	130.39M	127.79M	113.12M
Total Current Assets	423.68M	364.56M	339.47M	483.42M	970.18M	647.85M	91.95M	114.46M	180.72M
Total Non-Current Assets	1.8B	1.79B	1.86B	2.11B	1.97B	2.58B	3.23B	3.33B	3.31B
Total Assets	2.23B▲ 0%	2.15B▼ 3.3%	2.2B▲ 2.2%	2.59B▲ 17.8%	2.94B▲ 13.4%	3.23B▲ 9.9%	3.32B▲ 2.8%	3.44B▲ 3.7%	3.49B▲ 1.4%
Asset Growth %	43.13%	-3.34%	2.17%	17.79%	13.36%	9.87%	2.84%	3.72%	1.42%
Return on Assets (ROA)	0.89%	1.44%	1.28%	1.03%	1.76%	1.11%	1.23%	1.08%	1.33%
Accounts Payable	12.2M	12.16M	17M	21.82M	18.91M	29.38M	0	0	0
Total Debt	71.83M	64.24M	46.16M	34.36M	31.59M	235.76M	252.49M	235.54M	57.7M
Net Debt	-81.01M	3.68M	5.86M	-153.94M	-570.21M	148.01M	176.56M	137M	-83.91M
Long-Term Debt	68.18M	64.24M	46.16M	34.36M	31.59M	80.77M	102.49M	98.32M	57.7M
Short-Term Debt	3.64M	0	0	0	0	155M	150M	137.22M	0
Other Liabilities	0	0	0	0	0	0	29.56M	31.34M	1.03B
Total Current Liabilities	1.88B	1.79B	1.84B	2.24B	2.55B	2.82B	2.82B	2.92B	1.97B
Total Non-Current Liabilities	68.18M	64.24M	46.16M	34.36M	31.59M	80.77M	132.05M	129.66M	1.09B
Total Liabilities	1.95B	1.85B	1.88B	2.27B	2.59B	2.9B	2.95B	3.05B	3.06B
Total Equity	277.87M▲ 0%	304.04M▲ 9.4%	316.33M▲ 4.0%	321.84M▲ 1.7%	351.9M▲ 9.3%	329.95M▼ 6.2%	367.44M▲ 11.4%	396.09M▲ 7.8%	435.09M▲ 9.8%
Equity Growth %	54.51%	9.42%	4.04%	1.74%	9.34%	-6.24%	11.36%	7.8%	9.85%
Equity / Assets (Capital Ratio)	12.47%	14.12%	14.38%	12.42%	11.98%	10.22%	11.07%	11.5%	12.46%
Return on Equity (ROE)	7.35%	10.86%	9.01%	7.76%	14.43%	9.99%	11.54%	9.54%	11.08%
Book Value per Share	37.67	32.72	34.59	36.98	41.75	40.27	45.56	49.72	55.46
Tangible BV per Share	37.67	25.59	27.54	29.73	34.40	29.53	34.85	39.04	44.75
Common Stock	94K	95K	93K	87K	85K	83K	81K	81K	78K
Additional Paid-in Capital	165.34M	168.24M	168.54M	164.99M	164.98M	164.94M	165.82M	168.14M	168.96M
Retained Earnings	117.31M	141.45M	150.16M	154.28M	188.51M	206.3M	234.62M	259.19M	284.83M
Accumulated OCI	-955K	-2.21M	692K	5.27M	744K	-39.31M	-31.38M	-29.98M	-17.8M
Treasury Stock	0	0	0	0	0	0	0	0	0
Preferred Stock	0	0	0	0	0	0	0	0	0

HBCP Cash Flow Statement

Home Bancorp, Inc. (HBCP) cash flow — operating, investing & free cash flow history

Metric	Dec'17	Dec'18	Dec'19	Dec'20	Dec'21	Dec'22	Dec'23	Dec'24	Dec'25
Cash from Operations	24.75M	47.13M	43.94M	49.03M	55.72M	51.2M	41.36M	48.73M	54.51M
Operating CF Growth %	20.81%	90.41%	-6.77%	11.59%	13.63%	-8.11%	-19.23%	17.83%	11.85%
Net Income	16.82M	31.59M	27.93M	24.77M	48.62M	34.07M	40.24M	36.43M	46.06M
Depreciation & Amortization	2.16M	2.65M	2.99M	3.22M	3.08M	3.46M	3.57M	3.5M	5.71M
Deferred Taxes	5.23M	2.14M	137K	-1.59M	2.54M	-882K	-33K	-44K	-123K
Other Non-Cash Items	8.84M	17.92M	6.51M	18.49M	4.18M	13.63M	5.38M	4.87M	-1.9M
Working Capital Changes	-10.44M	-9.71M	3.96M	2.09M	-5.07M	-1.52M	-10.18M	1.21M	1.39M
Cash from Investing	78.67M	-24.68M	-72.33M	-260.04M	54.93M	-495.35M	-94.25M	-107.11M	-2.88M
Purchase of Investments	-57M	-78.46M	-68.52M	-91.98M	-167.58M	-238.5M	0	-10.51M	-26.04M
Sale/Maturity of Investments	56.65M	57.67M	76.38M	101.44M	86.55M	58.92M	63.32M	43.78M	54.77M
Net Investment Activity	-351K	-20.79M	7.86M	9.46M	-81.03M	-179.58M	63.32M	33.27M	28.74M
Acquisitions	68.21M	0	0	0	0	-27.3M	0	0	0
Other Investing	12.73M	1.11M	-76.35M	-267.35M	138.43M	-285.76M	-155.55M	-136.32M	-21.45M
Cash from Financing	17.68M	-113.24M	8.62M	359.11M	302.85M	-69.89M	41.33M	81.09M	-8.57M
Dividends Paid	-4.07M	-6.71M	-7.9M	-7.9M	-7.87M	-7.78M	-8.22M	-8.19M	-8.99M
Share Repurchases	-70K	-1.19M	-15.45M	-14.01M	-8.9M	-11.33M	-5.26M	-4.77M	-14.36M
Stock Issued	0	0	0	0	0	0	0	0	727K
Net Stock Activity	-70K	-1.19M	-15.45M	-14.01M	-8.9M	-11.33M	-5.26M	-4.77M	-13.63M
Debt Issuance (Net)	-1000K	-1000K	-1000K	-1000K	-1000K	1000K	1000K	-1000K	-1000K
Other Financing	85.85M	-92.12M	50.1M	392.85M	322.41M	-254.82M	38.31M	111.22M	192.1M
Net Change in Cash	121.1M▲ 0%	-90.8M▼ 175.0%	-19.77M▲ 78.2%	148.1M▲ 849.1%	413.49M▲ 179.2%	-514.04M▼ 224.3%	-11.57M▲ 97.7%	22.72M▲ 296.3%	43.06M▲ 89.5%
Exchange Rate Effect	0	0	0	0	0	0	0	0	0
Cash at Beginning	29.32M	150.42M	59.62M	39.85M	187.95M	601.44M	87.4M	75.83M	98.55M
Cash at End	150.42M	59.62M	39.85M	187.95M	601.44M	87.4M	75.83M	98.55M	141.6M
Interest Paid	6.55M	10.39M	16.07M	11.93M	6.22M	7.74M	41.88M	62.1M	0
Income Taxes Paid	10.05M	5.08M	3.17M	5.43M	12M	6.54M	12.63M	6.52M	0
Free Cash Flow	22.84M▲ 0%	42.12M▲ 84.4%	40.1M▼ 4.8%	46.88M▲ 16.9%	53.24M▲ 13.6%	48.49M▼ 8.9%	39.33M▼ 18.9%	44.67M▲ 13.6%	44.34M▼ 0.7%
FCF Growth %	39.45%	84.44%	-4.8%	16.92%	13.57%	-8.92%	-18.89%	13.58%	-0.74%

HBCP Banking Ratios

Home Bancorp, Inc. (HBCP) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Return on Equity (ROE)	9.28%	7.35%	10.86%	9.01%	7.76%	14.43%	9.99%	11.54%	9.54%	11.08%
Return on Assets (ROA)	1.03%	0.89%	1.44%	1.28%	1.03%	1.76%	1.11%	1.23%	1.08%	1.33%
Net Interest Margin	4.01%	3.05%	4.27%	3.91%	3.56%	3.44%	3.66%	3.64%	3.49%	3.82%
Efficiency Ratio	59.36%	54.74%	54.62%	54.54%	53.18%	54.06%	58.39%	46.18%	43.72%	42.8%
Equity / Assets	11.55%	12.47%	14.12%	14.38%	12.42%	11.98%	10.22%	11.07%	11.5%	12.46%
Book Value / Share	25.31	37.67	32.72	34.59	36.98	41.75	40.27	45.56	49.72	55.46
NII Growth	14.43%	8.7%	35.6%	-6.53%	7.23%	9.52%	16.86%	2.27%	-0.36%	10.8%
Dividend Payout	18.67%	24.19%	21.23%	28.28%	31.91%	16.18%	22.83%	20.43%	22.48%	19.51%

HBCP SEC Filings & Documents

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

8-K Announcements

Material company update

Apr 20, 2026·SEC

Material company update

Apr 2, 2026·SEC

Material company update

Jan 26, 2026·SEC

10-K Annual Reports

FY 2026

Mar 6, 2026·SEC

FY 2025

Mar 12, 2025·SEC

FY 2024

Mar 8, 2024·SEC

10-Q Quarterly Reports

FY 2025

Nov 3, 2025·SEC

FY 2025

Aug 1, 2025·SEC

FY 2025

May 2, 2025·SEC

HBCP Frequently Asked Questions

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

Growth & Financials

Home Bancorp, Inc. (HBCP) grew revenue by 4.9% over the past year. Growth has been modest.

Yes, Home Bancorp, Inc. (HBCP) is profitable, generating $46.1M in net income for fiscal year 2025 (22.0% net margin).

Dividend & Returns

Yes, Home Bancorp, Inc. (HBCP) pays a dividend with a yield of 1.73%. This makes it attractive for income-focused investors.

Home Bancorp, Inc. (HBCP) has a return on equity (ROE) of 11.1%. This is reasonable for most industries.

Industry Metrics

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

Home Bancorp, Inc. (HBCP) has an efficiency ratio of 42.8%. This is excellent, indicating strong cost control.

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

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

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Quarter

Date

EPS (Act vs Est)

Revenue (Act vs Est)

Q2 2026Latest

Apr 20, 2026

$1.45vs $1.39+4.3%

$38Mvs $38M+1.6%

Q2 2026

Mar 6, 2026

$1.46

$53M

Q1 2026

Jan 26, 2026

$1.46vs $1.39+5.0%

$38Mvs $37M+1.7%

Q4 2025

Oct 16, 2025

$1.18vs $1.37-13.9%

$38Mvs $37M+1.7%

Metric

Dec'17

Dec'18

Dec'19

Dec'20

Dec'21

Dec'22

Dec'23

Dec'24

Dec'25

Net Interest Income

67.85M

92.01M

86M

92.21M

100.99M

118.02M

120.69M

120.26M

133.25M

NII Growth %

8.7%

35.6%

-6.53%

7.23%

9.52%

16.86%

2.27%

-0.36%

10.8%

Net Interest Margin %

3.05%

4.27%

3.91%

3.56%

3.44%

3.66%

3.64%

3.49%

3.82%

Interest Income

74.4M

102.31M

102.21M

104.13M

106.9M

125.93M

163.66M

184.77M

193.77M

Interest Expense

6.55M

10.31M

16.21M

11.92M

5.91M

7.92M

42.97M

64.5M

60.52M

Loan Loss Provision

2.32M

3.94M

3.01M

12.73M

-9.77M

7.77M

2.84M

2.52M

1.13M

Non-Interest Income

9.96M

13.45M

14.41M

14.3M

16.27M

13.88M

14.64M

14.63M

15.46M

Non-Interest Income %

11.81%

11.62%

12.36%

12.08%

13.21%

9.93%

8.21%

7.33%

7.39%

Total Revenue

84.36M▲ 0%

115.76M▲ 37.2%

116.62M▲ 0.7%

118.43M▲ 1.6%

123.17M▲ 4.0%

139.81M▲ 13.5%

178.3M▲ 27.5%

199.39M▲ 11.8%

209.23M▲ 4.9%

Revenue Growth %

37.22%

0.75%

1.55%

13.51%

27.52%

11.83%

4.93%

Non-Interest Expense

46.18M

63.23M

63.6M

62.98M

66.59M

81.63M

82.34M

87.18M

89.56M

Efficiency Ratio

54.74%

54.62%

54.54%

53.18%

54.06%

58.39%

46.18%

43.72%

42.8%

Operating Income

29.32M▲ 0%

38.28M▲ 30.6%

33.79M▼ 11.7%

30.81M▼ 8.8%

60.44M▲ 96.2%

42.5M▼ 29.7%

50.15M▲ 18.0%

45.18M▼ 9.9%

58.02M▲ 28.4%

Operating Margin %

34.75%

33.07%

28.98%

26.01%

49.07%

30.4%

28.12%

22.66%

27.73%

Operating Income Growth %

24.35%

30.59%

-11.74%

-8.83%

96.19%

-29.68%

17.98%

-9.9%

28.41%

Pretax Income

29.32M▲ 0%

38.28M▲ 30.6%

33.79M▼ 11.7%

30.81M▼ 8.8%

60.44M▲ 96.2%

42.5M▼ 29.7%

50.15M▲ 18.0%

45.18M▼ 9.9%

58.02M▲ 28.4%

Pretax Margin %

34.75%

33.07%

28.98%

26.01%

49.07%

30.4%

28.12%

22.66%

27.73%

Income Tax

12.49M

6.7M

5.86M

6.04M

11.82M

8.43M

9.91M

8.76M

11.96M

Effective Tax Rate %

42.61%

17.49%

17.34%

19.61%

19.55%

19.83%

19.75%

19.38%

20.61%

Net Income

16.82M▲ 0%

31.59M▲ 87.8%

27.93M▼ 11.6%

24.77M▼ 11.3%

48.62M▲ 96.3%

34.07M▼ 29.9%

40.24M▲ 18.1%

36.43M▼ 9.5%

46.06M▲ 26.5%

Net Margin %

19.94%

27.29%

23.95%

20.91%

39.47%

24.37%

22.57%

18.27%

22.01%

Net Income Growth %

5.1%

87.77%

-11.58%

-11.34%

96.33%

-29.92%

18.1%

-9.48%

26.45%

Net Income (Continuing)

16.82M

31.59M

27.93M

24.77M

48.62M

34.07M

40.24M

36.43M

46.06M

EPS (Diluted)

2.41▲ 0%

3.40▲ 41.1%

3.05▼ 10.3%

2.85▼ 6.6%

5.77▲ 102.5%

4.16▼ 27.9%

4.99▲ 20.0%

4.57▼ 8.4%

5.87▲ 28.4%

EPS Growth %

7.11%

41.08%

-10.29%

-6.56%

102.46%

-27.9%

19.95%

-8.42%

28.45%

EPS (Basic)

2.50

3.48

3.08

2.86

5.80

4.19

5.01

4.58

5.93

Diluted Shares Outstanding

7.38M

9.29M

9.15M

8.7M

8.43M

8.19M

8.06M

7.97M

7.85M

Metric

Dec'17

Dec'18

Dec'19

Dec'20

Dec'21

Dec'22

Dec'23

Dec'24

Dec'25

Cash & Short Term Investments

387.83M

320.69M

297.62M

443.05M

929.42M

574.27M

91.95M

114.46M

180.72M

Cash & Due from Banks

152.84M

60.56M

40.3M

188.3M

601.79M

87.75M

75.83M

98.55M

141.6M

Short Term Investments

234.99M

260.13M

257.32M

254.75M

327.63M

486.52M

16.02M

15.92M

39.12M

Total Investments

1.9B

1.91B

1.97B

2.21B

2.15B

2.89B

2.99B

3.09B

3.1B

Investments Growth %

33.91%

0.51%

3.22%

12.51%

-2.91%

34.39%

3.33%

3.5%

0.49%

Long-Term Investments

1.66B

1.65B

1.71B

1.96B

1.82B

2.4B

2.97B

3.07B

Accounts Receivables

35.85M

43.87M

41.85M

40.37M

40.76M

73.58M

Goodwill & Intangibles

66.33M

64.47M

63.11M

61.95M

87.97M

86.37M

85.04M

83.96M

Goodwill

58.49M

81.52M

Intangible Assets

7.84M

5.98M

4.62M

3.46M

6.46M

4.86M

3.53M

2.44M

PP&E (Net)

45.6M

47.12M

46.42M

45.5M

43.54M

43.56M

41.98M

42.32M

48.99M

Other Assets

28.9M

29.56M

39.47M

40.33M

40.36M

46.28M

130.39M

127.79M

113.12M

Total Current Assets

423.68M

364.56M

339.47M

483.42M

970.18M

647.85M

91.95M

114.46M

180.72M

Total Non-Current Assets

1.8B

1.79B

1.86B

2.11B

1.97B

2.58B

3.23B

3.33B

3.31B

Total Assets

2.23B▲ 0%

2.15B▼ 3.3%

2.2B▲ 2.2%

2.59B▲ 17.8%

2.94B▲ 13.4%

3.23B▲ 9.9%

3.32B▲ 2.8%

3.44B▲ 3.7%

3.49B▲ 1.4%

Asset Growth %

43.13%

-3.34%

2.17%

17.79%

13.36%

9.87%

2.84%

3.72%

1.42%

Return on Assets (ROA)

0.89%

1.44%

1.28%

1.03%

1.76%

1.11%

1.23%

1.08%

1.33%

Accounts Payable

12.2M

12.16M

17M

21.82M

18.91M

29.38M

Total Debt

71.83M

64.24M

46.16M

34.36M

31.59M

235.76M

252.49M

235.54M

57.7M

Net Debt

-81.01M

3.68M

5.86M

-153.94M

-570.21M

148.01M

176.56M

137M

-83.91M

Long-Term Debt

68.18M

64.24M

46.16M

34.36M

31.59M

80.77M

102.49M

98.32M

57.7M

Short-Term Debt

3.64M

155M

150M

137.22M

Other Liabilities

29.56M

31.34M

1.03B

Total Current Liabilities

1.88B

1.79B

1.84B

2.24B

2.55B

2.82B

2.92B

1.97B

Total Non-Current Liabilities

68.18M

64.24M

46.16M

34.36M

31.59M

80.77M

132.05M

129.66M

1.09B

Total Liabilities

1.95B

1.85B

1.88B

2.27B

2.59B

2.9B

2.95B

3.05B

3.06B

Total Equity

277.87M▲ 0%

304.04M▲ 9.4%

316.33M▲ 4.0%

321.84M▲ 1.7%

351.9M▲ 9.3%

329.95M▼ 6.2%

367.44M▲ 11.4%

396.09M▲ 7.8%

435.09M▲ 9.8%

Equity Growth %

54.51%

9.42%

4.04%

1.74%

9.34%

-6.24%

11.36%

7.8%

9.85%

Equity / Assets (Capital Ratio)

12.47%

14.12%

14.38%

12.42%

11.98%

10.22%

11.07%

11.5%

12.46%

Return on Equity (ROE)

7.35%

10.86%

9.01%

7.76%

14.43%

9.99%

11.54%

9.54%

11.08%

Book Value per Share

37.67

32.72

34.59

36.98

41.75

40.27

45.56

49.72

55.46

Tangible BV per Share

37.67

25.59

27.54

29.73

34.40

29.53

34.85

39.04

44.75

Common Stock

94K

95K

93K

87K

85K

83K

81K

78K

Additional Paid-in Capital

165.34M

168.24M

168.54M

164.99M

164.98M

164.94M

165.82M

168.14M

168.96M

Retained Earnings

117.31M

141.45M

150.16M

154.28M

188.51M

206.3M

234.62M

259.19M

284.83M

Accumulated OCI

-955K

-2.21M

692K

5.27M

744K

-39.31M

-31.38M

-29.98M

-17.8M

Treasury Stock

Preferred Stock

Metric

Dec'17

Dec'18

Dec'19

Dec'20

Dec'21

Dec'22

Dec'23

Dec'24

Dec'25

Cash from Operations

24.75M

47.13M

43.94M

49.03M

55.72M

51.2M

41.36M

48.73M

54.51M

Operating CF Growth %

20.81%

90.41%

-6.77%

11.59%

13.63%

-8.11%

-19.23%

17.83%

11.85%

Net Income

16.82M

31.59M

27.93M

24.77M

48.62M

34.07M

40.24M

36.43M

46.06M

Depreciation & Amortization

2.16M

2.65M

2.99M

3.22M

3.08M

3.46M

3.57M

3.5M

5.71M

Deferred Taxes

5.23M

2.14M

137K

-1.59M

2.54M

-882K

-33K

-44K

-123K

Other Non-Cash Items

8.84M

17.92M

6.51M

18.49M

4.18M

13.63M

5.38M

4.87M

-1.9M

Working Capital Changes

-10.44M

-9.71M

3.96M

2.09M

-5.07M

-1.52M

-10.18M

1.21M

1.39M

Cash from Investing

78.67M

-24.68M

-72.33M

-260.04M

54.93M

-495.35M

-94.25M

-107.11M

-2.88M

Purchase of Investments

-57M

-78.46M

-68.52M

-91.98M

-167.58M

-238.5M

-10.51M

-26.04M

Sale/Maturity of Investments

56.65M

57.67M

76.38M

101.44M

86.55M

58.92M

63.32M

43.78M

54.77M

Net Investment Activity

-351K

-20.79M

7.86M

9.46M

-81.03M

-179.58M

63.32M

33.27M

28.74M

Acquisitions

68.21M

-27.3M

Other Investing

12.73M

1.11M

-76.35M

-267.35M

138.43M

-285.76M

-155.55M

-136.32M

-21.45M

Cash from Financing

17.68M

-113.24M

8.62M

359.11M

302.85M

-69.89M

41.33M

81.09M

-8.57M

Dividends Paid

-4.07M

-6.71M

-7.9M

-7.87M

-7.78M

-8.22M

-8.19M

-8.99M

Share Repurchases

-70K

-1.19M

-15.45M

-14.01M

-8.9M

-11.33M

-5.26M

-4.77M

-14.36M

Stock Issued

727K

Net Stock Activity

-70K

-1.19M

-15.45M

-14.01M

-8.9M

-11.33M

-5.26M

-4.77M

-13.63M

Debt Issuance (Net)

-1000K

1000K

-1000K

Other Financing

85.85M

-92.12M

50.1M

392.85M

322.41M

-254.82M

38.31M

111.22M

192.1M

Net Change in Cash

121.1M▲ 0%

-90.8M▼ 175.0%

-19.77M▲ 78.2%

148.1M▲ 849.1%

413.49M▲ 179.2%

-514.04M▼ 224.3%

-11.57M▲ 97.7%

22.72M▲ 296.3%

43.06M▲ 89.5%

Exchange Rate Effect

Cash at Beginning

29.32M

150.42M

59.62M

39.85M

187.95M

601.44M

87.4M

75.83M

98.55M

Cash at End

150.42M

59.62M

39.85M

187.95M

601.44M

87.4M

75.83M

98.55M

141.6M

Interest Paid

6.55M

10.39M

16.07M

11.93M

6.22M

7.74M

41.88M

62.1M

Income Taxes Paid

10.05M

5.08M

3.17M

5.43M

12M

6.54M

12.63M

6.52M

Free Cash Flow

22.84M▲ 0%

42.12M▲ 84.4%

40.1M▼ 4.8%

46.88M▲ 16.9%

53.24M▲ 13.6%

48.49M▼ 8.9%

39.33M▼ 18.9%

44.67M▲ 13.6%

44.34M▼ 0.7%

FCF Growth %

39.45%

84.44%

-4.8%

16.92%

13.57%

-8.92%

-18.89%

13.58%

-0.74%

Metric

2016

2017

2018

2019

2020

2021

2022

2023

2024

2025

Return on Equity (ROE)

9.28%

7.35%

10.86%

9.01%

7.76%

14.43%

9.99%

11.54%

9.54%

11.08%

Return on Assets (ROA)

1.03%

0.89%

1.44%

1.28%

1.03%

1.76%

1.11%

1.23%

1.08%

1.33%

Net Interest Margin

4.01%

3.05%

4.27%

3.91%

3.56%

3.44%

3.66%

3.64%

3.49%

3.82%

Efficiency Ratio

59.36%

54.74%

54.62%

54.54%

53.18%

54.06%

58.39%

46.18%

43.72%

42.8%

Equity / Assets

11.55%

12.47%

14.12%

14.38%

12.42%

11.98%

10.22%

11.07%

11.5%

12.46%

Book Value / Share

25.31

37.67

32.72

34.59

36.98

41.75

40.27

45.56

49.72

55.46

NII Growth

14.43%

8.7%

35.6%

-6.53%

7.23%

9.52%

16.86%

2.27%

-0.36%

10.8%

Dividend Payout

18.67%

24.19%

21.23%

28.28%

31.91%

16.18%

22.83%

20.43%

22.48%

19.51%

Home Bancorp, Inc.(HBCP)Earnings, Financials & Key Ratios

HBCP Key Insights

✓Strengths

✗Weaknesses

HBCP Price & Volume

HBCP Growth Metrics

Revenue CAGR

Profit CAGR

EPS CAGR

Return on Capital

HBCP Recent Earnings

HBCP Peer Comparison

Compare HBCP vs Peers

vs FFIN

vs ICE

Compare Top 5

HBCP Income Statement

HBCP Balance Sheet

HBCP Cash Flow Statement

HBCP Banking Ratios

HBCP SEC Filings & Documents

8-K Announcements

10-K Annual Reports

10-Q Quarterly Reports

HBCP Frequently Asked Questions

Home Bancorp, Inc.(HBCP)Earnings, Financials & Key Ratios

HBCP Key Insights

✓Strengths

✗Weaknesses

HBCP Price & Volume

HBCP Growth Metrics

Revenue CAGR

Profit CAGR

EPS CAGR

Return on Capital

HBCP Recent Earnings

HBCP Peer Comparison

Compare HBCP vs Peers

vs FFIN

vs ICE

Compare Top 5

HBCP Income Statement

HBCP Balance Sheet

HBCP Cash Flow Statement

HBCP Banking Ratios

HBCP SEC Filings & Documents

8-K Announcements

10-K Annual Reports

10-Q Quarterly Reports

HBCP Frequently Asked Questions