The bank maintains a conservative capital structure with an equity-to-assets ratio of 0.13 and a debt-to-equity ratio of 0.13 as of 2026Q1.
| Metric | TTM | Dec'25 | Dec'24 | Dec'23 | Dec'22 | Dec'21 | Dec'20 | Dec'19 | Dec'18 | Dec'17 | Dec'16 | Dec'15 | Dec'14 | Dec'13 | Dec'12 | Dec'11 | Dec'10 | Dec'09 | Dec'08 | Dec'07 | Dec'06 |
|---|
| Cash & Short Term Investments | 1.15B | 180.72M | 114.46M | 91.95M | 574.27M | 929.42M | 443.05M | 297.62M | 320.69M | 387.83M | 214.93M | 206.7M | 209.4M | 185.21M | 200.32M | 192.61M | 44.84M | 29.24M | 46.08M | 32.16M | 30.57M |
| Cash & Due from Banks | 223.48M | 141.6M | 98.55M | 75.83M | 87.75M | 601.79M | 188.3M | 40.3M | 60.56M | 152.84M | 31.2M | 29.94M | 34.6M | 35.58M | 43.07M | 37.35M | 44.84M | 29.24M | 46.08M | 32.16M | 30.57M |
| Short Term Investments | 386.26M | 39.12M | 15.92M | 16.02M | 486.52M | 327.63M | 254.75M | 257.32M | 260.13M | 234.99M | 183.73M | 176.76M | 174.8M | 149.63M | 157.26M | 155.26M | 0 | 0 | 0 | 0 | 0 |
| Total Investments | 3.08B | 3.1B | 3.09B | 2.99B | 2.89B | 2.15B | 2.21B | 1.97B | 1.91B | 1.9B | 1.42B | 1.41B | 1.09B | 861.53M | 832.36M | 821.66M | 565.61M | 453.87M | 452.28M | 369.13M | 342.2M |
| Investments Growth % | 2.12% | 0.49% | 3.5% | 3.33% | 34.39% | -2.91% | 12.51% | 3.22% | 0.51% | 33.91% | 0.38% | 29.2% | 26.78% | 3.5% | 1.3% | 45.27% | 24.62% | 0.35% | 22.53% | 7.87% | - |
| Long-Term Investments | 11.89B | 3.07B | 3.07B | 2.97B | 2.4B | 1.82B | 1.96B | 1.71B | 1.65B | 1.66B | 1.23B | 1.23B | 917.43M | 711.89M | 675.1M | 666.4M | 565.61M | 453.87M | 452.28M | 369.13M | 342.2M |
| Accounts Receivables | 64.81M | 0 | 0 | 0 | 73.58M | 40.76M | 40.37M | 41.85M | 43.87M | 35.85M | 36.48M | 50.33M | 37.45M | 25.98M | 23.89M | 32.02M | 18.4M | 10.08M | 9.44M | 4.37M | 1.86M |
| Goodwill & Intangibles | 83.72M | 83.96M | 85.04M | 86.37M | 87.97M | 61.95M | 63.11M | 64.47M | 66.33M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Goodwill | 83.72M | 81.52M | 81.52M | 81.52M | 81.52M | 58.49M | 58.49M | 58.49M | 58.49M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 0 | 2.44M | 3.53M | 4.86M | 6.46M | 3.46M | 4.62M | 5.98M | 7.84M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| PP&E (Net) | 50.5M | 48.99M | 42.32M | 41.98M | 43.56M | 43.54M | 45.5M | 46.42M | 47.12M | 45.6M | 39.57M | 40.82M | 37.96M | 30.7M | 30.78M | 31.76M | 23.37M | 16.19M | 15.33M | 11.69M | 10.4M |
| Other Assets | 49.84M | 113.12M | 127.79M | 130.39M | 46.28M | 40.36M | 40.33M | 39.47M | 29.56M | 28.9M | 20.15M | 19.67M | 19.16M | 30.45M | 32.83M | 40.99M | 16.19M | 15.26M | 5.27M | 3.7M | 14.65M |
| Total Current Assets | 676.11M | 180.72M | 114.46M | 91.95M | 647.85M | 970.18M | 483.42M | 339.47M | 364.56M | 423.68M | 251.41M | 257.03M | 246.86M | 211.2M | 224.22M | 224.63M | 95.25M | 39.32M | 55.52M | 37.83M | 33.24M |
| Total Non-Current Assets | 2.88B | 3.31B | 3.33B | 3.23B | 2.58B | 1.97B | 2.11B | 1.86B | 1.79B | 1.8B | 1.31B | 1.29B | 974.56M | 773.05M | 738.71M | 739.16M | 605.18M | 485.31M | 472.88M | 384.52M | 367.25M |
| Total Assets | 3.55B | 3.49B | 3.44B | 3.32B | 3.23B | 2.94B | 2.59B | 2.2B | 2.15B | 2.23B | 1.56B | 1.55B | 1.22B | 984.24M | 962.93M | 963.79M | 700.42M | 524.64M | 528.4M | 422.35M | 400.48M |
| Asset Growth % | 7.28% | 1.42% | 3.72% | 2.84% | 9.87% | 13.36% | 17.79% | 2.17% | -3.34% | 43.13% | 0.31% | 27.06% | 24.1% | 2.21% | -0.09% | 37.6% | 33.51% | -0.71% | 25.11% | 5.46% | - |
| Return on Assets (ROA) | 1.32% | 1.33% | 1.08% | 1.23% | 1.11% | 1.76% | 1.03% | 1.28% | 1.44% | 0.89% | 1.03% | 0.91% | 0.9% | 0.75% | 0.95% | 0.62% | 0.77% | 0.89% | 0.57% | 0.81% | 1% |
| Accounts Payable | 0 | 0 | 0 | 0 | 29.38M | 18.91M | 21.82M | 17M | 12.16M | 12.2M | 10.28M | 17.5M | 5.83M | 4.02M | 3.67M | 5.15M | 2.67M | 3.52M | 2.87M | 2.55M | 0 |
| Total Debt | 54.73M | 57.7M | 235.54M | 252.49M | 235.76M | 31.59M | 34.36M | 46.16M | 64.24M | 71.83M | 118.53M | 125.15M | 67.87M | 97M | 46.26M | 93.62M | 13M | 16.77M | 44.42M | 33.77M | 10.87M |
| Net Debt | -168.75M | -83.91M | 137M | 176.56M | 148.01M | -570.21M | -153.94M | 5.86M | 3.68M | -81.01M | 87.33M | 95.21M | 33.27M | 61.42M | 3.19M | 56.27M | -31.84M | -12.46M | -1.66M | 1.61M | -19.7M |
| Long-Term Debt | 54.73M | 57.7M | 98.32M | 102.49M | 80.77M | 31.59M | 34.36M | 46.16M | 64.24M | 68.18M | 78.53M | 85.21M | 16.5M | 10M | 36.26M | 40.99M | 13M | 16.77M | 22.92M | 10.88M | 5.43M |
| Short-Term Debt | 0 | 0 | 137.22M | 150M | 155M | 0 | 0 | 0 | 0 | 3.64M | 40M | 39.94M | 51.37M | 87M | 10M | 52.63M | 0 | 0 | 21.5M | 6M | 0 |
| Other Liabilities | 28.72M | 1.03B | 31.34M | 29.56M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -19.43M | -5.43M |
| Total Current Liabilities | 3.03B | 1.97B | 2.92B | 2.82B | 2.82B | 2.55B | 2.24B | 1.84B | 1.79B | 1.88B | 1.3B | 1.3B | 1.05B | 832.33M | 785.1M | 788.52M | 555.89M | 375.11M | 378.51M | 364.63M | 349.19M |
| Total Non-Current Liabilities | 83.45M | 1.09B | 129.66M | 132.05M | 80.77M | 31.59M | 34.36M | 46.16M | 64.24M | 68.18M | 78.53M | 85.21M | 16.5M | 10M | 36.26M | 40.99M | 13M | 16.77M | 22.92M | 8.34M | 5.43M |
| Total Liabilities | 3.11B | 3.06B | 3.05B | 2.95B | 2.9B | 2.59B | 2.27B | 1.88B | 1.85B | 1.95B | 1.38B | 1.39B | 1.07B | 842.33M | 821.35M | 829.5M | 568.89M | 391.89M | 401.43M | 372.97M | 354.63M |
| Total Equity | 444.41M | 435.09M | 396.09M | 367.44M | 329.95M | 351.9M | 321.84M | 316.33M | 304.04M | 277.87M | 179.84M | 165.05M | 154.14M | 141.91M | 141.57M | 134.28M | 131.53M | 132.75M | 126.96M | 49.38M | 45.86M |
| Equity Growth % | 36.47% | 9.85% | 7.8% | 11.36% | -6.24% | 9.34% | 1.74% | 4.04% | 9.42% | 54.51% | 8.97% | 7.07% | 8.62% | 0.24% | 5.43% | 2.09% | -0.92% | 4.56% | 157.1% | 7.69% | - |
| Equity / Assets (Capital Ratio) | 12.5% | 12.46% | 11.5% | 11.07% | 10.22% | 11.98% | 12.42% | 14.38% | 14.12% | 12.47% | 11.55% | 10.64% | 12.62% | 14.42% | 14.7% | 13.93% | 18.78% | 25.3% | 24.03% | 11.69% | 11.45% |
| Return on Equity (ROE) | 10.86% | 11.08% | 9.54% | 11.54% | 9.99% | 14.43% | 7.76% | 9.01% | 10.86% | 7.35% | 9.28% | 7.86% | 6.67% | 5.15% | 6.66% | 3.85% | 3.55% | 3.6% | 3.08% | 6.98% | 8.77% |
| Book Value per Share | 56.73 | 55.46 | 49.72 | 45.56 | 40.27 | 41.75 | 36.98 | 34.59 | 32.72 | 37.67 | 25.31 | 23.57 | 22.17 | 20.62 | 19.72 | 18.62 | 17.39 | 16.49 | 14.22 | 5.54 | 5.14 |
| Tangible BV per Share | 46.04 | 44.75 | 39.04 | 34.85 | 29.53 | 34.40 | 29.73 | 27.54 | 25.59 | 37.67 | 25.31 | 23.57 | 22.17 | 20.62 | 19.72 | 18.62 | 17.39 | 16.49 | 14.22 | 5.54 | 5.14 |
| Common Stock | 78K | 78K | 81K | 81K | 83K | 85K | 87K | 93K | 95K | 94K | 73.5K | 72.4K | 90.09K | 89.58K | 89.51K | 89.33K | 89.27K | 89.27K | 89.27K | 0 | 0 |
| Additional Paid-in Capital | 170M | 168.96M | 168.14M | 165.82M | 164.94M | 164.98M | 164.99M | 168.54M | 168.24M | 165.34M | 79.43M | 76.95M | 93.33M | 92.19M | 90.99M | 89.74M | 88.82M | 88.07M | 87.18M | 0 | 0 |
| Retained Earnings | 293.55M | 284.83M | 259.19M | 234.62M | 206.3M | 188.51M | 154.28M | 150.16M | 141.45M | 117.31M | 104.65M | 91.86M | 93.1M | 83.73M | 76.44M | 67.25M | 62.13M | 57.44M | 52.05M | 49.34M | 46.02M |
| Accumulated OCI | -18.32M | -17.8M | -29.98M | -31.38M | -39.31M | 744K | 5.27M | 692K | -2.21M | -955K | 11.77K | 871.76K | 1.3M | 195.12K | 3.24M | 1.73M | 692.52K | -87.96K | -5.31M | 43.64K | -160.47K |
| Treasury Stock | -893K | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -28.57M | -28.01M | -21.72M | -15.89M | -10.43M | -1.85M | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
CRE and energy concentration
As reported in recent financial statements, HBCP's total assets expanded from $3.3 billion in 2023Q4 to $3.6 billion in 2026Q1, a trend primarily supported by a massive $3.1 billion investment securities portfolio that suggests a cautious approach to deploying capital into the local loan market.
The bank's asset growth appears heavily skewed toward investment securities rather than organic loan expansion, which may indicate management's hesitation to increase credit risk in the current economic climate. This strategy preserves liquidity but potentially limits the upside of net interest income growth if the yield curve remains unfavorable.
Based on the provided quarterly data, HBCP maintains a remarkably low equity-to-assets ratio of 0.13 as of 2026Q1, which, while appearing lean, is supported by a debt-to-equity ratio of 0.13 that suggests the bank is operating with minimal leverage compared to its regional peers.
The bank's capital position appears robust, providing a significant buffer against potential asset quality deterioration. Investors should monitor whether this conservative capital structure is a permanent strategic choice or a temporary defensive posture in anticipation of future market volatility.
According to the latest quarterly filings, HBCP holds $223.5 million in cash and cash equivalents as of 2026Q1, representing a significant increase from the $75.9 million reported in 2023Q4, which indicates a strengthening liquidity position that provides ample flexibility for potential future strategic initiatives.
The accumulation of cash reserves suggests that the bank is prioritizing liquidity over immediate yield enhancement, which may be a prudent response to the uncertain economic environment in the Gulf Coast region. This liquidity cushion appears sufficient to absorb potential deposit outflows without necessitating the liquidation of the securities portfolio at unfavorable prices.
As evidenced by the balance sheet data, the $3.1 billion investment securities portfolio constitutes the vast majority of total assets, which warrants further investigation into the duration and unrealized loss profile of these holdings in a potentially shifting interest rate environment.
While the bank's low leverage is a clear strength, the heavy concentration in investment securities creates an indirect sensitivity to interest rate movements that could impact tangible book value. Analysts should monitor whether these securities are classified as available-for-sale or held-to-maturity, as this distinction will dictate the potential for future earnings volatility.
Quick answers to the most common questions about buying HBCP stock.
As of 2025, Home Bancorp, Inc. (HBCP) had total assets of $3.49B including $180.7M in current assets.
Home Bancorp, Inc. (HBCP) carries total debt of $57.7M. Comparing total debt to cash helps evaluate the company's debt burden and net leverage.
Home Bancorp, Inc. (HBCP) has total shareholders' equity (book value) of $435.1M ($55.46 book value per share). Book value represents the net worth of the company belonging to common stock holders.
Home Bancorp, Inc. (HBCP) reported a current ratio of 0.09x. A current ratio above 1.0x indicates that the company has more current assets than current liabilities, suggesting sufficient short-term liquidity.