The earnings call presented a predominantly positive outlook with significant growth in net income and deposits, as well as continued expansion of net interest margin. Although there were challenges such as an increase in classified loans and higher noninterest expenses, these were counterbalanced by strong loan growth and a stable credit environment.

Company Guidance

During the Home Bancorp Second Quarter 2025 Earnings Conference Call, the management provided comprehensive guidance on various financial metrics. They reported a second quarter net income of $11.3 million, translating to $1.45 per share, which is an increase of $0.08 from the previous quarter and $0.43 year-over-year. The net interest margin (NIM) expanded for the fifth consecutive quarter, reaching 4.04%, primarily driven by an 8 basis point increase in earning asset yields and steady interest-bearing deposit costs. The return on assets (ROA) increased by 2 basis points to 1.31%. Loan growth was at 3%, despite a $20 million impact from slower commercial construction activity and paydowns. The company expects loan growth to reach the lower end of their 4% to 6% guidance without interest rate cuts. Deposit growth was strong, with an 11% annual rate increase, and noninterest-bearing deposits rose by $41.9 million, maintaining 27% of total deposits. Home Bancorp is focusing on pricing discipline, with new loan originations averaging a 7.4% yield. Noninterest expenses increased to $22.4 million due to compensation-related costs, while noninterest income was stable at $3.7 million. The company is also active in capital management, having repurchased 147,000 shares at an average price of $43.72, and has 391,000 shares remaining under its buyback plan. Looking forward, Home Bancorp is optimistic about its M&A prospects, with potential opportunities in both Louisiana and Texas.

Increase in Net Income

Second quarter net income was $11.3 million or $1.45 per share, reflecting a $0.08 increase from the first quarter and a $0.43 increase from the previous year.

Net Interest Margin Expansion

Net interest margin expanded for the fifth consecutive quarter to 4.04%, a 13 basis point increase from the prior quarter.

Deposit Growth

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

Loan Growth

Loans grew by $17.3 million in the second quarter, which is about 3% growth.

Stable Credit Quality

Net charge-offs remained low at 3 basis points year-to-date, and the allowance for loan loss ratio was stable at 1.21%.

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	$56.15	$56.50	+0.62%
Apr 21, 2025	$42.68	$47.23	+10.66%
Jan 27, 2025	$47.59	$49.66	+4.35%
Oct 17, 2024	$44.02	$43.92	-0.23%

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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