Home Bancorp (HBCP)
NASDAQ:HBCP
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Earnings Data
Report Date
Jul 28, 2026Before Open (Confirmed)
Period Ending
2026 (Q2)Consensus EPS Forecast
1.46Last Year’s EPS
1.48Same Quarter Last Year
Moderate Buy
Based on 1 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call presented multiple material positives: record net interest income, NIM expansion, meaningful deposit growth and funding-cost reductions, improved capital metrics and tangible book value gains, and successful execution on reducing expensive borrowings. However, there were notable credit and revenue headwinds — a 1% decline in loan balances, rising nonperforming assets and provisions, slower resolution of problem credits, and a small dip in noninterest income. On balance, the positive operational and margin trends, strong deposit growth and capital improvements outweigh the moderate credit and fee pressures, though management highlights continued uncertainty around loan growth pacing and competitive deposit dynamics.Company Guidance
Record Quarterly Net Interest Income
Net interest income of $34.5 million in Q1 2026, the highest quarterly NII in Home Bank history, up $434,000 sequentially and up $2.8 million year-over-year.
Earnings and EPS Growth
Net income of $11.4 million and diluted EPS of $1.45; EPS rose 6% year-over-year and was down only $0.01 versus the prior quarter. Over the past two years, diluted EPS increased by more than 25%.
Net Interest Margin Expansion
NIM expanded to 4.16%, improving 10 basis points sequentially and 25 basis points versus prior year; management attributes expansion to lower funding costs and favorable balance sheet positioning.
Lower Funding Costs / Deposit Cost Improvement
Average cost of interest-bearing deposits declined 22 basis points to 2.29%; overall cost of deposits declined 16 basis points to 1.68% (noted as less than half the current Fed funds target). Cost of interest-bearing liabilities down 64 basis points from the 3Q24 peak.
Core Deposit Growth and Funding Mix Improvement
Total deposits increased $54 million in the quarter (7% annualized). Core/non-maturity deposits grew by $118 million while noncore CDs declined by $64 million; noninterest-bearing deposits rose $37 million QoQ ($75 million YoY) and now represent 27% of total deposits. Loan-to-deposit ratio declined to ~90%.
Capital and Shareholder Returns Progress
Tangible book value per share increased to $46.04 (up ~15% YoY). Since 2019: adjusted tangible book value per share has grown ~9.7% annualized, EPS >11% annualized, quarterly dividend increased >50%, and ~17% of shares repurchased.
Balance Sheet Actions and Liquidity Improvement
Management repaid all expensive FHLB advances (material reduction from $175 million at year-end 2024), improving liquidity and reducing high-cost borrowings. New investment yields were >4% in Q1 versus expected roll-off yield of 2.43% over the next 12 months.
Geographic Growth and Branch Expansion
Loans in Texas grew to ~21% of total portfolio (from 15% at 2022 acquisition). Opened a new Northwest Houston branch during the quarter to support growth in a fast-growing market.
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 |
|---|---|---|---|
Apr 20, 2026 | $63.90 | ― | ― |
Jan 26, 2026 | $60.17 | $58.21 | -3.26% |
Oct 20, 2025 | $53.39 | $54.66 | +2.37% |
Jul 21, 2025 | $55.55 | $55.89 | +0.62% |
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 Jul 28, 2026, Before Open (Confirmed).
What is Home Bancorp (HBCP) earnings time?
Home Bancorp (HBCP) earnings time is at Jul 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 (Q2) is 1.46.