The earnings call reflected a generally positive outlook with strong net income growth, NIM expansion, and deposit growth. However, there were challenges in loan growth due to slower commercial construction activity, and an increase in nonperforming loans and noninterest expenses. Overall, the positive aspects slightly outweigh the challenges.

Company Guidance -

Q3 2025

During Home Bancorp's second quarter 2025 earnings call, the company provided guidance indicating a cautious but optimistic outlook. The bank reported a net income of $11.3 million, or $1.45 per share, highlighting an $0.08 per share increase from the previous quarter and a $0.43 increase from the prior year. The net interest margin (NIM) expanded to 4.04%, marking the fifth consecutive quarter of growth, while the return on assets (ROA) increased by 2 basis points to 1.31%. Loan growth was recorded at $17.3 million, or 3%, though the bank acknowledged that growth could slow to the lower end of their 4% to 6% guidance without anticipated rate cuts. Deposits grew at an 11% annual rate, with noninterest-bearing deposits increasing by $41.9 million. The bank's loan-to-deposit ratio target is 90% to 92%. Net charge-offs remained low at 6 basis points, and the overall cost of deposits decreased slightly to 1.84%. Home Bancorp also mentioned strategic moves in capital management, including a share repurchase of 147,000 shares at an average price of $43.72, and an increased dividend per share by 27% since 2019. The bank remains open to mergers and acquisitions, particularly in Texas and Louisiana, with a focus on partners that fit well with their long-term objectives.

Net Income Growth

Second quarter net income of $11.3 million, or $1.45 per share, increased $0.08 from the first quarter and $0.43 from the same quarter last year, reflecting a 3% increase from the prior quarter and a 39% increase year-over-year.

Net Interest Margin Expansion

Net interest margin (NIM) expanded for the fifth consecutive quarter to 4.04%, a 13 basis point increase from the prior quarter, driven by an increase in earning asset yields and stable interest-bearing deposit costs.

Deposit Growth

Deposits increased at an 11% annual rate in the second quarter, with noninterest-bearing deposits increasing by $41.9 million.

Loan Growth and Pricing Discipline

Loans grew by $17.3 million in the second quarter, representing a 3% growth rate. Despite slower growth due to commercial construction slowdowns, loan yields are expected to continue to rise with new originations around 7.4%.

Strong Capital Management

Since 2019, tangible book value per share grew at an 8% annualized rate, with a 10.2% growth rate in annual EPS. Dividend per share increased by 27%, and 17% of shares were repurchased.

Home Bancorp (HBCP) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

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HBCP Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 15, 2025	2025 (Q3)	1.36 / -	1.213	―	―	―
Jul 21, 2025	2025 (Q2)	1.22 / 1.48	1.053	40.27% (+0.42)
Apr 21, 2025	2025 (Q1)	1.14 / 1.40	1.175	19.06% (+0.22)
Jan 27, 2025	2024 (Q4)	1.11 / 1.24	1.207	2.82% (+0.03)
Oct 17, 2024	2024 (Q3)	0.99 / 1.21	1.258	-3.58% (-0.04)
Jul 17, 2024	2024 (Q2)	0.98 / 1.05	1.248	-15.63% (-0.20)
Apr 17, 2024	2024 (Q1)	0.97 / 1.18	1.433	-18.00% (-0.26)
Jan 22, 2024	2023 (Q4)	1.05 / 1.21	1.363	-11.45% (-0.16)
Oct 18, 2023	2023 (Q3)	1.00 / 1.26	1.28	-1.72% (-0.02)
Jul 17, 2023	2023 (Q2)	1.16 / 1.25	1.03	21.17% (+0.22)

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
Jul 21, 2025	$56.47	$56.82	+0.62%
Apr 21, 2025	$42.92	$47.50	+10.67%
Jan 27, 2025	$47.86	$49.95	+4.37%
Oct 17, 2024	$44.27	$44.18	-0.20%

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 Oct 15, 2025, Before Open (Confirmed).

What is Home Bancorp (HBCP) earnings time?

Home Bancorp (HBCP) earnings time is at Oct 15, 2025, 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 2025 (Q3) is 1.36.

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