Last 47 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Home Bancorp, Inc.'s quarterly P/E stands at 9.9x, up 3.7% year-over-year. EV/EBITDA has compressed 36.1% YoY to 6.3x, reflecting multiple compression or accelerating EBITDA.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 11.29 | 9.90 | 8.54 | 8.93 | 8.18 | 9.55 | 9.44 | 9.90 | 8.40 | 8.98 | 6.58 | 6.86 | 5.94 |
| — | +3.7% | -9.6% | -9.9% | -2.7% | +6.4% | +43.4% | +44.3% | +41.4% | +19.3% | -13.5% | -17.2% | -69.1% | |
| P/S Ratio | 2.48 | 2.13 | 2.02 | 1.95 | 1.76 | 1.80 | 1.74 | 1.63 | 1.61 | 1.79 | 1.38 | 1.54 | 1.62 |
| — | +18.9% | +16.0% | +19.9% | +8.7% | +0.1% | +26.2% | +5.7% | -0.4% | -11.8% | -34.4% | -24.6% | -46.2% | |
| P/B Ratio | 1.20 | 1.04 | 1.01 | 1.00 | 0.89 | 0.93 | 0.90 | 0.85 | 0.83 | 0.92 | 0.74 | 0.78 | 0.78 |
| — | +11.0% | +11.9% | +17.3% | +7.9% | +1.9% | +21.7% | +10.1% | +6.2% | -7.1% | -26.0% | -8.7% | -22.1% | |
| P/FCF | 11.72 | 15.91 | 5.17 | 12.95 | 10.33 | 17.47 | 5.23 | 6.01 | 8.49 | 8.68 | 5.04 | 9.15 | 7.00 |
| — | -8.9% | -1.2% | +115.5% | +21.7% | +101.3% | +3.9% | -34.3% | +21.3% | +46.6% | +4.0% | +125.4% | -90.2% | |
| EV / EBITDA | 7.51 | 6.31 | 4.60 | 7.42 | 8.08 | 9.88 | 8.99 | 11.09 | 9.14 | 10.34 | 9.83 | 10.18 | 8.27 |
| — | -36.1% | -48.8% | -33.1% | -11.7% | -4.4% | -8.6% | +8.9% | +10.6% | +25.8% | +118.5% | +680.3% | +214.1% | |
| EV / EBIT | 7.51 | 6.31 | 4.84 | 7.85 | 8.56 | 10.60 | 9.69 | 12.05 | 9.85 | 11.16 | 10.54 | 10.91 | 8.79 |
| — | -40.4% | -50.0% | -34.8% | -13.1% | -5.1% | -8.0% | +10.4% | +12.1% | +27.0% | +119.1% | +674.5% | +206.4% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Home Bancorp, Inc.'s operating margin was 27.5% in Q4 2025, down 1.8 pp QoQ and up 4.2 pp YoY. Gross margin expanded 7.5% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 70.5% | 71.3% | 71.9% | 71.7% | 69.1% | 66.3% | 66.4% | 65.1% | 67.8% | 68.2% | 72.2% | 76.0% | 81.8% |
| — | +7.5% | +8.2% | +10.2% | +1.9% | -2.7% | -8.0% | -14.4% | -17.1% | -21.8% | -18.9% | -19.6% | -2.2% | |
| Operating Margin | 27.7% | 27.5% | 29.3% | 27.1% | 26.9% | 23.3% | 22.9% | 20.5% | 24.0% | 24.5% | 26.3% | 28.2% | 34.2% |
| — | +18.1% | +28.4% | +32.2% | +12.2% | -4.9% | -13.0% | -27.4% | -29.8% | -27.3% | -23.9% | -8.7% | +75.5% | |
| Net Margin | 22.0% | 21.6% | 23.3% | 21.6% | 21.4% | 18.8% | 18.5% | 16.5% | 19.3% | 20.0% | 21.0% | 22.5% | 27.3% |
| — | +15.0% | +26.3% | +31.2% | +11.0% | -6.1% | -12.0% | -26.6% | -29.4% | -25.8% | -24.1% | -9.2% | +73.6% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 11.1% | 2.7% | 3.0% | 2.8% | 2.7% | 2.5% | 2.5% | 2.2% | 2.5% | 2.6% | 2.8% | 2.8% | 3.4% |
| — | +8.5% | +21.1% | +28.6% | +10.4% | -7.0% | -13.0% | -23.3% | -25.8% | -21.0% | -12.7% | +11.5% | +162.7% | |
| ROA | 1.3% | 0.3% | 0.4% | 0.3% | 0.3% | 0.3% | 0.3% | 0.2% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% |
| — | +16.2% | +28.5% | +35.4% | +14.9% | -0.6% | -6.7% | -19.6% | -21.0% | -16.1% | -7.6% | +18.0% | +148.3% | |
| ROIC | 7.7% | 2.2% | 2.2% | 1.8% | 1.6% | 1.4% | 1.4% | 1.2% | 1.4% | 1.3% | 1.3% | 1.3% | 1.7% |
| — | +55.7% | +63.4% | +49.7% | +17.4% | +8.5% | +4.4% | -9.3% | -17.7% | -36.9% | -45.4% | -34.7% | +56.8% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Home Bancorp, Inc.'s Debt/EBITDA ratio is 4.0x — at a moderate level that warrants monitoring. The current ratio has improved 134.3% YoY to 0.09x, strengthening the short-term liquidity position. Debt/Equity has declined for 5 consecutive quarters, reflecting a deleveraging trend.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.13 | 0.13 | 0.15 | 0.36 | 0.55 | 0.59 | 0.59 | 0.74 | 0.63 | 0.69 | 0.99 | 1.05 | 0.97 |
| — | -77.7% | -74.8% | -51.0% | -11.6% | -13.5% | -40.4% | -29.8% | -35.7% | -3.8% | +273.6% | +309.4% | +953.9% | |
| Debt / EBITDA | 0.99 | 3.97 | 3.86 | 9.90 | 15.28 | 18.39 | 18.53 | 25.43 | 18.93 | 20.36 | 26.22 | 27.72 | 22.35 |
| — | -78.4% | -79.2% | -61.1% | -19.3% | -9.7% | -29.3% | -8.3% | -15.3% | +24.2% | +333.3% | +274.3% | +344.4% | |
| Current Ratio | 0.09 | 0.09 | 0.07 | 0.05 | 0.05 | 0.04 | 0.05 | 0.19 | 0.19 | 0.03 | 0.21 | 0.22 | 0.23 |
| — | +134.3% | +39.1% | -75.9% | -74.7% | +20.3% | -74.7% | -14.5% | -18.7% | -85.8% | -18.6% | -33.6% | -33.0% | |
| Quick Ratio | 0.09 | 0.09 | 0.07 | 0.05 | 0.05 | 0.04 | 0.05 | 0.19 | 0.19 | 0.03 | 0.21 | 0.22 | 0.23 |
| — | +134.3% | +39.1% | -75.9% | -74.7% | +20.3% | -74.7% | -14.5% | -18.7% | -85.8% | -18.6% | -33.6% | -33.0% | |
| Interest Coverage | 0.96 | 0.99 | 1.03 | 0.93 | 0.89 | 0.74 | 0.69 | 0.63 | 0.75 | 0.81 | 0.97 | 1.26 | 2.17 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
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Quick answers to the most common questions about buying HBCP stock.
Home Bancorp, Inc.'s current P/E is 11.3x. The average P/E over the last 4 quarters is 8.9x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Home Bancorp, Inc.'s current operating margin is 27.7%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Home Bancorp, Inc.'s business trajectory between earnings reports.