Home Bancorp, Inc. (HBCP)
Valuation Overview•Is Home Bancorp, Inc. Overvalued or Undervalued?
Trading at a relative discount to industry peers, suggesting a specific risk premium is applied.
Moderate quality score of 64/100, reflecting stable operating margins and manageable leverage.
Analysts remain cautious, with consensus price targets indicating limited room for upside expansion.
Verdict: Solid fundamental quality, though solvency presents a headwind.
Wall Street is cautious, forecasting potential downside. This is paired with healthy capital returns, driven by a balanced mix of reliable dividends and share buybacks.
HBCP demonstrates strong business quality with robust profitability and healthy margins. This is backed by a fortress balance sheet, holding significant net cash ($84M) and minimal debt risk.
The company maintains stable top-line performance paired with robust earnings compounding (12.2% EPS 3Y CAGR). This growth is supported by elite operational efficiency, sustaining an impressive 27.7% operating margin.
| Financial Metric | Trend (12Q) | Latest Qtr | 1Y Growth | 3Y CAGR | 5Y CAGR | 10Y CAGR |
|---|---|---|---|---|---|---|
| Revenue | $52.8M | +4.9% | — | — | +12.0% | |
| EBITDA | $14.5M | — | +8.1% | — | — | |
| Net Income | $11.4M | +26.5% | +10.6% | — | +13.9% | |
| EPS (Diluted) | $1.46 | +28.4% | +12.2% | +15.5% | +12.6% | |
| Free Cash Flow | $7.1M | -0.7% | -2.9% | -1.1% | — |
| Metric | TTM | 3Y Avg | 5Y Avg | 10Y Avg |
|---|---|---|---|---|
| Gross Margin | 71.0% | 70.4% | 80.6% | 83.2% |
| Operating Margin | 27.7% | 26.2% | 31.6% | 31.1% |
| Net Margin | 22.0% | 21.0% | 25.3% | 23.9% |
| FCF Margin | 21.2% | 21.9% | 28.7% | 30.2% |
| Quarter | EPS Est. | EPS Act. | Surprise | EPS | Rev |
|---|---|---|---|---|---|
| Q2'26Latest | $1.39 | $1.45 | +4.3% | ||
| Q1'26 | — | $1.46 | — | ||
| Q1'26 | $1.39 | $1.46 | +5.0% | ||
| Q4'25 | $1.37 | $1.18 | -13.9% | ||
| Q3'25 | $1.24 | $1.45 | +16.9% | ||
| Q2'25 | $1.14 | $1.37 | +20.2% | ||
| Q1'25 | $1.14 | $1.21 | +6.1% | ||
| Q4'24 | $0.99 | $1.18 | +19.2% |
Total return is +36.9% (1Y), outperforming the benchmark by +11.9%
| Period | Total Return | vs S&P 500 (Alpha) | Dividend Contribution |
|---|---|---|---|
| YTD | +16.5% | +7.2% | — |
| 1Y | +36.9% | +11.9% | +2.5% |
| 3YCAGR | +27.3% | +7.3% | +9.7% |
| 5YCAGR | +13.2% | +0.8% | +13.4% |
| 10YCAGR | +11.2% | -2.6% | — |
The S&P 500 is at 31.3x trailing P/E — Expensive relative to historical averages.
Quick answers to common questions about Home Bancorp, Inc. (HBCP) valuation, health, and returns.
Based on peer relative multiples, Home Bancorp, Inc. appears Cheap versus peers compared to industry peers.
Home Bancorp, Inc. has multiple valuation anchors: Peer Relative Fair Value: $95.89 | Wall Street Analyst Target: $50.00 (implying -24.6% upside). A convergence of these signals offers higher conviction.
Home Bancorp, Inc. displays good financial health with a composite quality score of 64/100, supported by a Piotroski F-Score of 9/9, Return on Invested Capital (ROIC) of 7.7%.
Home Bancorp, Inc. pays a 1.7% dividend yield, covered by a 20% payout ratio with 12 years of growth, supplemented by a 2.8% buyback yield.
Home Bancorp, Inc.'s current growth trajectory is Decelerating. The company achieved +4.9% 1Y revenue growth and +28.4% 1Y EPS growth, compared to its 3Y revenue CAGR of N/A.
Wall Street consensus is Buy based on 3 analysts, beating EPS expectations in 92% of recent quarters with a 2-quarter streak. The consensus price target represents a -24.6% change from current levels.
Investment risks for Home Bancorp, Inc. include: -12.1% 1-year max drawdown. Volatility risk is characterized by a beta of 0.68x.
No. These computations are purely quantitative model outputs for informational purposes. They do not account for qualitative management shifts or macro events. Always consult a licensed RIA before buying or selling shares.
Disclaimer: This page is for informational purposes only and does not constitute financial advice. All valuation models, scores, and target estimates are automated computations under stated assumptions and should not be relied upon as the sole basis for any investment decision.