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

HBCP•NASDAQ•Banking & Credit
$64.42
$504M mkt cap·11.0× P/E·Price updated May 6, 2026
SectorFinancial ServicesIndustryRegional BanksSub-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%
  • Tangible BV/Share44.75+14.6%
  • Debt/Equity0.13-77.7%
Technical→

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
  • ✓Well capitalized: 12.5% equity/assets
  • ✓Trading near 52-week high
  • ✓Trading at only 1.2x book value

✗Weaknesses

No significant weaknesses identified

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

HBCP Price & Volume

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

Loading chart...

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
EPS
$1.45
Est $1.39
+4.3%
Revenue
$38M
Est $38M
+1.6%
Q2 2026
Mar 6, 2026
EPS
$1.46
Revenue
$53M
Q1 2026
Jan 26, 2026
EPS
$1.46
Est $1.39
+5.0%
Revenue
$38M
Est $37M
+1.7%
Q4 2025
Oct 16, 2025
EPS
$1.18
Est $1.37
-13.9%
Revenue
$38M
Est $37M
+1.7%
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 20, 2026
$1.45vs $1.39+4.3%
$38Mvs $38M+1.6%
Q2 2026Mar 6, 2026
$1.46
$53M
Q1 2026Jan 26, 2026
$1.46vs $1.39+5.0%
$38Mvs $37M+1.7%
Q4 2025Oct 16, 2025
$1.18vs $1.37-13.9%
$38Mvs $37M+1.7%
Based on last 12 quarters of dataView full earnings history →

HBCP Peer Comparison

Home Bancorp, Inc. (HBCP) competitors in Community and retail regional banks — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
FFIN logoFFINFirst Financial Bankshares, Inc.Direct Competitor4.64B32.6020.9018.79%13.25%0.12
IBCP logoIBCPIndependent Bank CorporationDirect Competitor696.01M33.8110.34-0.3%14.2%0.23
SFBS logoSFBSServisFirst Bancshares, Inc.Direct Competitor4.35B79.6715.754.13%14.95%0.81
HOPE logoHOPEHope Bancorp, Inc.Direct Competitor1.62B12.6327.46-3.23%2.62%0.17
LKFN logoLKFNLakeland Financial CorporationDirect Competitor1.62B62.3215.54-1.93%14.19%0.24
CVBF logoCVBFCVB Financial Corp.Product Competitor2.8B20.6313.57-2.33%9.25%0.43
BANF logoBANFBancFirst CorporationProduct Competitor3.8B114.5117.7812.28%13.33%0.05
SBCF logoSBCFSeacoast Banking Corporation of FloridaProduct Competitor3.06B31.3619.857.49%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
Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Net Interest Income67.85M92.01M86M92.21M100.99M118.02M120.69M120.26M133.25M
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 Income74.4M102.31M102.21M104.13M106.9M125.93M163.66M184.77M193.77M
Interest Expense6.55M10.31M16.21M11.92M5.91M7.92M42.97M64.5M60.52M
Loan Loss Provision2.32M3.94M3.01M12.73M-9.77M7.77M2.84M2.52M1.13M
Non-Interest Income9.96M13.45M14.41M14.3M16.27M13.88M14.64M14.63M15.46M
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 Expense46.18M63.23M63.6M62.98M66.59M81.63M82.34M87.18M89.56M
Efficiency Ratio54.74%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 Tax12.49M6.7M5.86M6.04M11.82M8.43M9.91M8.76M11.96M
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)16.82M31.59M27.93M24.77M48.62M34.07M40.24M36.43M46.06M
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)2.503.483.082.865.804.195.014.585.93
Diluted Shares Outstanding7.38M9.29M9.15M8.7M8.43M8.19M8.06M7.97M7.85M

HBCP Balance Sheet

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

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash & Short Term Investments387.83M320.69M297.62M443.05M929.42M574.27M91.95M114.46M533.05M
Cash & Due from Banks152.84M60.56M40.3M188.3M601.79M87.75M75.83M98.55M141.6M
Short Term Investments234.99M260.13M257.32M254.75M327.63M486.52M16.02M15.92M391.45M
Total Investments1.9B1.91B1.97B2.21B2.15B2.89B2.99B3.09B3.11B
Investments Growth %33.91%0.51%3.22%12.51%-2.91%34.39%3.33%3.5%0.55%
Long-Term Investments1.66B1.65B1.71B1.96B1.82B2.4B2.97B3.07B3.11B
Accounts Receivables35.85M43.87M41.85M40.37M40.76M73.58M000
Goodwill & Intangibles066.33M64.47M63.11M61.95M87.97M86.37M85.04M83.96M
Goodwill058.49M58.49M58.49M58.49M81.52M81.52M81.52M83.96M
Intangible Assets07.84M5.98M4.62M3.46M6.46M4.86M3.53M0
PP&E (Net)45.6M47.12M46.42M45.5M43.54M43.56M41.98M42.32M48.99M
Other Assets28.9M29.56M39.47M40.33M40.36M46.28M130.39M127.79M-3.11B
Total Current Assets423.68M364.56M339.47M483.42M970.18M647.85M91.95M114.46M533.05M
Total Non-Current Assets1.8B1.79B1.86B2.11B1.97B2.58B3.23B3.33B132.95M
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 Payable12.2M12.16M17M21.82M18.91M29.38M000
Total Debt71.83M64.24M46.16M34.36M31.59M235.76M252.49M235.54M57.7M
Net Debt-81.01M3.68M5.86M-153.94M-570.21M148.01M176.56M137M-83.91M
Long-Term Debt68.18M64.24M46.16M34.36M31.59M80.77M102.49M98.32M57.7M
Short-Term Debt3.64M0000155M150M137.22M0
Other Liabilities00000029.56M31.34M1.03B
Total Current Liabilities1.88B1.79B1.84B2.24B2.55B2.82B2.82B2.92B1.97B
Total Non-Current Liabilities68.18M64.24M46.16M34.36M31.59M80.77M132.05M129.66M1.09B
Total Liabilities1.95B1.85B1.88B2.27B2.59B2.9B2.95B3.05B3.06B
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 Share37.6732.7234.5936.9841.7540.2745.5649.7255.46
Tangible BV per Share37.6725.5927.5429.7334.4029.5334.8539.0444.75
Common Stock94K95K93K87K85K83K81K81K-904K
Additional Paid-in Capital165.34M168.24M168.54M164.99M164.98M164.94M165.82M168.14M168.96M
Retained Earnings117.31M141.45M150.16M154.28M188.51M206.3M234.62M259.19M284.83M
Accumulated OCI-955K-2.21M692K5.27M744K-39.31M-31.38M-29.98M-17.8M
Treasury Stock000000000
Preferred Stock000000000

HBCP Cash Flow Statement

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

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash from Operations24.75M47.13M43.94M49.03M55.72M51.2M41.36M48.73M54.51M
Operating CF Growth %20.81%90.41%-6.77%11.59%13.63%-8.11%-19.23%17.83%11.85%
Net Income16.82M31.59M27.93M24.77M48.62M34.07M40.24M36.43M46.06M
Depreciation & Amortization2.16M2.65M2.99M3.22M3.08M3.46M3.57M3.5M5.71M
Deferred Taxes5.23M2.14M137K-1.59M2.54M-882K-33K-44K-123K
Other Non-Cash Items8.84M17.92M6.51M18.49M4.18M13.63M5.38M4.87M-514K
Working Capital Changes-10.44M-9.71M3.96M2.09M-5.07M-1.52M-10.18M1.21M0
Cash from Investing78.67M-24.68M-72.33M-260.04M54.93M-495.35M-94.25M-107.11M-2.88M
Purchase of Investments-57M-78.46M-68.52M-91.98M-167.58M-238.5M0-10.51M-26.04M
Sale/Maturity of Investments1000K1000K1000K1000K1000K1000K1000K1000K1000K
Net Investment Activity-56M-77.46M-67.52M-90.98M-166.58M-237.5M1000K-9.51M-25.04M
Acquisitions68.21M0000-27.3M000
Other Investing12.73M1.11M-76.35M-267.35M138.43M-285.76M-155.55M-136.32M-21.45M
Cash from Financing17.68M-113.24M8.62M359.11M302.85M-69.89M41.33M81.09M-8.57M
Dividends Paid-4.07M-6.71M-7.9M-7.9M-7.87M-7.78M-8.22M-8.19M-370K
Share Repurchases-70K-1.19M-15.45M-14.01M-8.9M-11.33M-5.26M-4.77M-14.36M
Stock Issued000000007.99M
Net Stock Activity-70K-1.19M-15.45M-14.01M-8.9M-11.33M-5.26M-4.77M-6.37M
Debt Issuance (Net)-1000K-1000K-1000K-1000K-1000K1000K1000K-1000K0
Other Financing85.85M-92.12M50.1M392.85M322.41M-254.82M38.31M111.22M-8.2M
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 Effect000000000
Cash at Beginning29.32M150.42M59.62M39.85M187.95M601.44M87.4M75.83M98.55M
Cash at End150.42M59.62M39.85M187.95M601.44M87.4M75.83M98.55M141.6M
Interest Paid6.55M10.39M16.07M11.93M6.22M7.74M41.88M62.1M0
Income Taxes Paid10.05M5.08M3.17M5.43M12M6.54M12.63M6.52M0
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

Metric2016201720182019202020212022202320242025
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 Margin4.01%3.05%4.27%3.91%3.56%3.44%3.66%3.64%3.49%3.82%
Efficiency Ratio59.36%54.74%54.62%54.54%53.18%54.06%58.39%46.18%43.72%42.8%
Equity / Assets11.55%12.47%14.12%14.38%12.42%11.98%10.22%11.07%11.5%12.46%
Book Value / Share25.3137.6732.7234.5936.9841.7540.2745.5649.7255.46
NII Growth14.43%8.7%35.6%-6.53%7.23%9.52%16.86%2.27%-0.36%10.8%
Dividend Payout18.67%24.19%21.23%28.28%31.91%16.18%22.83%20.43%22.48%-

HBCP SEC Filings & Documents

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

8-K Announcements

6
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

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 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

Home Bancorp, Inc. (HBCP) does not currently pay a meaningful dividend. The company may be reinvesting profits for growth.

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.

Explore More HBCP

Home Bancorp, Inc. (HBCP) financial analysis — history, returns, DCA and operating performance tools

Total Return Calculator

Historical returns with dividends reinvested

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DCA Calculator

Dollar cost averaging vs lump sum

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Dividend History

Yield, growth, payout safety & DRIP

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Earnings History

EPS trends, net income & profitability

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Price History

Long-term charts & historical price data

→

Revenue History

Sales growth patterns & revenue breakdown

→

Financial Ratios

30 years of market, efficiency and balance-sheet ratios

→

Valuation

DCF intrinsic value, peer multiples & estimates

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