Last 48 quarters of trend data · Financial Services · Regional Banks
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 10.79 | 12.90 | 11.57 | 10.44 | 9.90 | 8.54 | 8.93 | 8.18 | 9.55 | 9.44 | 9.90 | 8.40 | 8.98 | 6.58 | 6.86 | 5.94 | 7.52 | 7.62 | 8.28 | 19.24 | 8.44 |
| — | +51.0% | +29.6% | +27.8% | +3.7% | -9.6% | -9.9% | -2.7% | +6.4% | +43.4% | +44.3% | +41.4% | +19.3% | -13.5% | -17.2% | -69.1% | -10.8% | +41.0% | +16.5% | +201.0% | +64.0% | |
| P/S Ratio | 3.07 | 3.24 | 3.38 | 3.10 | 2.96 | 2.82 | 2.76 | 2.51 | 2.62 | 2.61 | 2.42 | 2.37 | 2.57 | 1.89 | 1.99 | 1.92 | 2.22 | 2.24 | 2.12 | 3.14 | 3.07 |
| — | +14.9% | +22.5% | +23.5% | +12.8% | +8.3% | +14.1% | +6.0% | +2.1% | +38.0% | +21.8% | +23.3% | +15.7% | -15.6% | -6.3% | -38.6% | -27.7% | -10.5% | -28.2% | +19.7% | +50.7% | |
| P/B Ratio | 1.10 | 1.15 | 1.18 | 1.07 | 1.04 | 1.01 | 1.00 | 0.89 | 0.93 | 0.90 | 0.85 | 0.83 | 0.92 | 0.74 | 0.78 | 0.78 | 0.99 | 1.00 | 0.85 | 1.00 | 0.98 |
| — | +13.7% | +18.3% | +19.6% | +11.0% | +11.9% | +17.3% | +7.9% | +1.9% | +21.7% | +10.1% | +6.2% | -7.1% | -26.0% | -8.7% | -22.1% | +0.2% | +6.1% | -11.5% | +7.5% | +32.8% | |
| P/FCF | 8.83 | 5.54 | 14.46 | 8.20 | 15.91 | 5.17 | 12.95 | 10.33 | 17.47 | 5.23 | 6.01 | 8.49 | 8.68 | 5.04 | 9.15 | 7.00 | 5.92 | 4.85 | 4.06 | 71.05 | 7.64 |
| — | +7.2% | +11.7% | -20.6% | -8.9% | -1.2% | +115.5% | +21.7% | +101.3% | +3.9% | -34.3% | +21.3% | +46.6% | +4.0% | +125.4% | -90.2% | -22.5% | -32.6% | -0.5% | +902.0% | +289.3% | |
| EV / EBITDA | 6.63 | 7.75 | 6.19 | 5.03 | 5.97 | 4.60 | 7.42 | 8.08 | 9.88 | 8.99 | 11.09 | 9.14 | 10.34 | 9.83 | 10.18 | 8.27 | 8.22 | 4.50 | -1.75 | -7.25 | -4.12 |
| — | +68.5% | -16.6% | -37.7% | -39.6% | -48.8% | -33.1% | -11.7% | -4.4% | -8.6% | +8.9% | +10.6% | +25.8% | +118.5% | +680.3% | +214.1% | +299.3% | +708.1% | -188.1% | -908.1% | -401.7% | |
| EV / EBIT | 6.82 | 7.75 | 6.93 | 5.33 | 6.31 | 4.84 | 7.85 | 8.56 | 10.60 | 9.69 | 12.05 | 9.85 | 11.16 | 10.54 | 10.91 | 8.79 | 8.79 | 4.81 | -1.90 | -8.26 | -4.36 |
| — | +60.0% | -11.7% | -37.8% | -40.4% | -50.0% | -34.8% | -13.1% | -5.1% | -8.0% | +10.4% | +12.1% | +27.0% | +119.1% | +674.5% | +206.4% | +301.5% | +724.3% | -196.0% | -976.3% | -400.9% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 99.2% | 97.5% | 98.1% | 97.6% | 98.7% | 100.6% | 101.3% | 98.9% | 96.8% | 99.6% | 96.6% | 99.6% | 97.5% | 99.0% | 98.0% | 97.1% | 95.0% | 94.8% | 98.2% | 86.9% | 109.3% |
| — | -3.1% | -3.2% | -1.3% | +2.0% | +1.0% | +4.9% | -0.7% | -0.7% | +0.6% | -1.5% | +2.6% | +2.6% | +4.4% | -0.2% | +11.7% | -13.1% | -11.7% | -11.6% | -17.9% | +4.8% | |
| Operating Margin | 39.0% | 31.8% | 36.7% | 37.6% | 38.1% | 41.1% | 38.2% | 38.6% | 34.0% | 34.3% | 30.4% | 35.3% | 35.1% | 36.0% | 36.4% | 40.5% | 36.7% | 36.8% | 32.1% | 20.2% | 45.5% |
| — | -22.5% | -4.1% | -2.6% | +12.0% | +19.9% | +25.7% | +9.3% | -3.0% | -4.9% | -16.5% | -13.0% | -4.5% | -2.0% | +13.4% | +100.4% | -19.2% | -35.3% | -38.3% | -60.4% | -8.4% | |
| Net Margin | 31.0% | 25.2% | 29.2% | 29.7% | 30.0% | 32.7% | 30.6% | 30.7% | 27.5% | 27.7% | 24.5% | 28.3% | 28.6% | 28.8% | 29.0% | 32.4% | 29.4% | 29.4% | 25.7% | 16.4% | 36.3% |
| — | -22.9% | -4.3% | -3.1% | +9.0% | +17.9% | +24.8% | +8.2% | -4.1% | -3.7% | -15.5% | -12.6% | -2.6% | -2.3% | +12.8% | +98.2% | -19.0% | -36.4% | -38.2% | -60.0% | -8.3% |
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 11.1% | 2.2% | 2.6% | 2.6% | 2.7% | 3.0% | 2.8% | 2.7% | 2.5% | 2.5% | 2.2% | 2.5% | 2.6% | 2.8% | 2.8% | 3.4% | 3.3% | 3.2% | 2.5% | 1.3% | 2.9% |
| — | -25.0% | -7.3% | -5.9% | +8.5% | +21.1% | +28.6% | +10.4% | -7.0% | -13.0% | -23.3% | -25.8% | -21.0% | -12.7% | +11.5% | +162.7% | +13.3% | -26.8% | -25.8% | -65.2% | -19.4% | |
| ROA | 1.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.4% | 0.3% | 0.3% | 0.3% | 0.3% | 0.2% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.1% | 0.4% |
| — | -20.7% | -0.1% | +1.9% | +16.2% | +28.5% | +35.4% | +14.9% | -0.6% | -6.7% | -19.6% | -21.0% | -16.1% | -7.6% | +18.0% | +148.3% | -6.2% | -41.3% | -39.3% | -68.8% | -19.9% | |
| ROIC | 7.7% | 1.9% | 2.2% | 2.2% | 2.2% | 2.2% | 1.8% | 1.6% | 1.4% | 1.4% | 1.2% | 1.4% | 1.3% | 1.3% | 1.3% | 1.7% | 2.1% | 2.4% | 2.0% | 1.1% | 2.5% |
| — | -15.6% | +20.7% | +32.1% | +55.7% | +63.4% | +49.7% | +17.4% | +8.5% | +4.4% | -9.3% | -17.7% | -36.9% | -45.4% | -34.7% | +56.8% | -17.5% | -35.3% | -30.6% | -65.1% | -17.9% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.13 | 0.12 | 0.12 | 0.12 | 0.13 | 0.15 | 0.36 | 0.55 | 0.59 | 0.59 | 0.74 | 0.63 | 0.69 | 0.99 | 1.05 | 0.97 | 0.71 | 0.27 | 0.26 | 0.09 | 0.09 |
| — | -19.0% | -66.7% | -77.8% | -77.7% | -74.8% | -51.0% | -11.6% | -13.5% | -40.4% | -29.8% | -35.7% | -3.8% | +273.6% | +309.4% | +953.9% | +696.1% | +186.6% | +163.3% | -9.7% | -15.9% | |
| Debt / EBITDA | 0.94 | 4.29 | 3.36 | 3.60 | 3.76 | 3.86 | 9.90 | 15.28 | 18.39 | 18.53 | 25.43 | 18.93 | 20.36 | 26.22 | 27.72 | 22.35 | 16.39 | 6.05 | 7.41 | 5.03 | 2.32 |
| — | +11.1% | -66.0% | -76.4% | -79.6% | -79.2% | -61.1% | -19.3% | -9.7% | -29.3% | -8.3% | -15.3% | +24.2% | +333.3% | +274.3% | +344.4% | +605.7% | +264.2% | +236.9% | +134.1% | +4.1% | |
| Current Ratio | 0.09 | 0.19 | 0.20 | 0.22 | 0.09 | 0.07 | 0.05 | 0.05 | 0.04 | 0.05 | 0.19 | 0.19 | 0.03 | 0.21 | 0.22 | 0.23 | 0.23 | 0.26 | 0.33 | 0.35 | 0.38 |
| — | +163.8% | +325.5% | +369.7% | +134.3% | +39.1% | -75.9% | -74.7% | +20.3% | -74.7% | -14.5% | -18.7% | -85.8% | -18.6% | -33.6% | -33.0% | -39.5% | -18.2% | +12.7% | +36.1% | +75.6% | |
| Quick Ratio | 0.09 | 0.19 | 0.20 | 0.22 | 0.09 | 0.07 | 0.05 | 0.05 | 0.04 | 0.05 | 0.19 | 0.19 | 0.03 | 0.21 | 0.22 | 0.23 | 0.23 | 0.26 | 0.33 | 0.35 | 0.38 |
| — | +163.8% | +325.5% | +369.7% | +134.3% | +39.1% | -75.9% | -74.7% | +20.3% | -74.7% | -14.5% | -18.7% | -85.8% | -18.6% | -33.6% | -33.0% | -39.5% | -18.2% | +12.7% | +36.1% | +75.6% | |
| Interest Coverage | 0.96 | 0.92 | 1.09 | 1.08 | 0.99 | 1.03 | 0.93 | 0.89 | 0.74 | 0.69 | 0.63 | 0.75 | 0.81 | 0.97 | 1.26 | 2.17 | 4.07 | 5.70 | 8.36 | 5.16 | 11.30 |
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Includes 30+ ratios · 48 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 10.8x. The average P/E over the last 4 quarters is 11.2x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Home Bancorp, Inc.'s current operating margin is 39.0%. Margins have been compressing 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.