8-K Announcements
6Apr 20, 2026·SEC
Apr 2, 2026·SEC
Jan 26, 2026·SEC
Home Bancorp, Inc. (HBCP) fundamental analysis — strengths, weaknesses & financial health based on data analysis
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
Home Bancorp, Inc. (HBCP) stock price & volume — 10-year historical chart
Home Bancorp, Inc. (HBCP) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Home Bancorp, Inc. (HBCP) EPS & revenue vs analyst estimates — last 4 quarters
| 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% |
Home Bancorp, Inc. (HBCP) competitors in Community and retail regional banks — business model, growth, and fundamentals comparison
Home Bancorp, Inc. (HBCP) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Home Bancorp, Inc. (HBCP) annual income statement — 10-year revenue, gross profit & net income history
| Line item | 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 |
Home Bancorp, Inc. (HBCP) balance sheet — assets, liabilities & shareholders' equity
| Line item | 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 | 533.05M |
| 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 | 391.45M |
| Total Investments | 1.9B | 1.91B | 1.97B | 2.21B | 2.15B | 2.89B | 2.99B | 3.09B | 3.11B |
| Investments Growth % | 33.91% | 0.51% | 3.22% | 12.51% | -2.91% | 34.39% | 3.33% | 3.5% | 0.55% |
| Long-Term Investments | 1.66B | 1.65B | 1.71B | 1.96B | 1.82B | 2.4B | 2.97B | 3.07B | 3.11B |
| 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 | 83.96M |
| Intangible Assets | 0 | 7.84M | 5.98M | 4.62M | 3.46M | 6.46M | 4.86M | 3.53M | 0 |
| 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 | -3.11B |
| Total Current Assets | 423.68M | 364.56M | 339.47M | 483.42M | 970.18M | 647.85M | 91.95M | 114.46M | 533.05M |
| Total Non-Current Assets | 1.8B | 1.79B | 1.86B | 2.11B | 1.97B | 2.58B | 3.23B | 3.33B | 132.95M |
| 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 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 | -904K |
| 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 |
Home Bancorp, Inc. (HBCP) cash flow — operating, investing & free cash flow history
| Line item | 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 | -514K |
| Working Capital Changes | -10.44M | -9.71M | 3.96M | 2.09M | -5.07M | -1.52M | -10.18M | 1.21M | 0 |
| 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 | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K |
| Net Investment Activity | -56M | -77.46M | -67.52M | -90.98M | -166.58M | -237.5M | 1000K | -9.51M | -25.04M |
| 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 | -370K |
| 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 | 7.99M |
| 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 | -1000K | 1000K | 1000K | -1000K | 0 |
| Other Financing | 85.85M | -92.12M | 50.1M | 392.85M | 322.41M | -254.82M | 38.31M | 111.22M | -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 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% |
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% | - |
Home Bancorp, Inc. (HBCP) SEC filings — annual & quarterly reports (10-K, 10-Q)
Apr 20, 2026·SEC
Apr 2, 2026·SEC
Jan 26, 2026·SEC
Home Bancorp, Inc. (HBCP) stock FAQ — growth, dividends, profitability & financials explained
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).
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.
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.
Home Bancorp, Inc. (HBCP) financial analysis — history, returns, DCA and operating performance tools
Historical returns with dividends reinvested
Dollar cost averaging vs lump sum
Yield, growth, payout safety & DRIP
EPS trends, net income & profitability
Long-term charts & historical price data
Sales growth patterns & revenue breakdown
30 years of market, efficiency and balance-sheet ratios
DCF intrinsic value, peer multiples & estimates