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Home Bancorp (HBCP)
NASDAQ:HBCP
Earnings Data
Report Date
Apr 28, 2026Before Open (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
1.39Last Year’s EPS
1.4Same Quarter Last Year
Moderate Buy
Based on 1 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call presented multiple strong positives: record full-year earnings and EPS growth (+29% y/y), meaningful deposit growth (~7% and reduced wholesale funding), low net charge-offs and stable reserves, a constructive NIM outlook (targeting ~4.10%–4.15%) and successful capital deployment (dividend increase and buybacks). Offsetting items include a q/q earnings decline driven by higher provisions, a q/q dip in loan yields and NIM due to Fed cuts, a rise in NPAs (1.03% of assets) tied to several downgraded relationships, loan growth below historical norms due to elevated payoffs, and near-term expense increases. Overall, positives — especially the record annual results, deposit/funding improvements, low credit losses, and capital strength — outweigh the near-term headwinds.Company Guidance
Record 2025 Earnings and EPS Growth
Full-year 2025 net income of $46.0M, or $5.87 per share — a company record and a 29% increase in EPS vs. 2024. Q4 2025 net income was $11.4M, or $1.46 per share, up 21% year-over-year.
Net Interest Margin and ROA Strength (Year-over-Year)
Q4 NIM was 4.06% (vs. 3.82% in Q4 2024). For 2025, NIM increased ~32 bps year-over-year to ~4.03% and ROA improved ~25 bps year-over-year to 1.33%.
Deposit Growth and Funding Improvements
Deposits grew ~7% in 2025 (roughly $187–$192M). Average deposits increased $58M in Q4 and $187M for the year. Noninterest-bearing deposits rose $40M in 2025. Cost of interest-bearing deposits decreased 15 bps year-over-year and overall deposit cost was an attractive 1.84% in Q4.
Balance Sheet Liquidity and Reduced Wholesale Funding
Loan-to-deposit ratio improved to 92% from 98% a year ago. FHLB advances were reduced by $173M to just $3M at quarter-end, improving liquidity/funding flexibility.
Low Credit Losses and Stable Reserves
Net charge-offs were $165k in Q4 and $908k for 2025 (~3 bps of total loans), $128k lower than 2024. Six-year average net charge-offs ~6 bps. Allowance for loan losses was stable at 1.21%.
Loan Growth Momentum and Texas Franchise Expansion
Loans grew $38M in Q4 (6% annualized). Since entering Texas (2022) loans in that franchise have grown at a ~15% annual rate and now represent ~20% of the loan portfolio. Pipeline is building and management expects mid-single-digit loan growth in 2026.
Noninterest Income and Capital Returns
Q4 noninterest income of $4.0M beat guidance ($3.6M–$3.8M); management expects $3.8M–$4.0M going forward. Since 2019, tangible book value (AOCI-adjusted) grew at a 9.6% annualized rate and EPS at an 11.5% annualized rate. Quarterly dividend increased 55% to $0.31 and ~17% of shares have been repurchased, while capital ratios remain robust.
NIM Outlook and Asset Yield Improvement
Management expects NIM to tick up in the base case to ~4.10%–4.15% during 2026. Yield on interest-earning assets increased 14 bps in 2025 to 5.88% and a meaningful portion of loans and securities are positioned to reprice or roll off into higher yields over time.
HBCP Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
HBCP Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Jan 26, 2026 | $60.47 | $58.50 | -3.26% |
Oct 20, 2025 | $53.66 | $54.93 | +2.37% |
Jul 21, 2025 | $55.82 | $56.17 | +0.63% |
Apr 21, 2025 | $42.43 | $46.95 | +10.65% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Home Bancorp (HBCP) report earnings?
Home Bancorp (HBCP) is schdueled to report earning on Apr 28, 2026, Before Open (Confirmed).
What is Home Bancorp (HBCP) earnings time?
Home Bancorp (HBCP) earnings time is at Apr 28, 2026, Before Open (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is HBCP EPS forecast?
HBCP EPS forecast for the fiscal quarter 2026 (Q1) is 1.39.