Want to see HBCP full AI Analyst Report?
Top Page
Home Bancorp
(NASDAQ:HBCP)
Select Model
Select Model
Rating:80Outperform
Price Target:
$83.00
â–²(18.10% Upside)
Action:Reiterated
Date:08/04/26
HBCP scores well on financial performance (strong growth, solid profitability, and improved leverage) and technicals (clear uptrend with positive momentum). Valuation is supportive with a moderate P/E, while the earnings call adds a constructive outlook but is tempered by credit-quality and expense-related risks.
Positive Factors
Net interest income & NIM expansion
Sustained NII growth and a materially wider net interest margin strengthen the bank’s core earnings engine, supporting durable earnings generation as loans reprice and deposits normalize. This directly boosts cash flow available for reinvestment, dividends, or reserve building.
Negative Factors
Rising criticized and substandard loans
Higher criticized and substandard credits signal concentrated pockets of borrower stress that can erode earnings through higher provisions or charge-offs. Even with remediation plans, resolution timelines and recoveries are uncertain and can strain reserve adequacy over coming quarters.
Read all positive and negative factors
Positive Factors
Negative Factors
Net interest income & NIM expansion
Sustained NII growth and a materially wider net interest margin strengthen the bank’s core earnings engine, supporting durable earnings generation as loans reprice and deposits normalize. This directly boosts cash flow available for reinvestment, dividends, or reserve building.
Read all positive factors
Home Bancorp (HBCP) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$564.18M
Dividend Yield1.73%
Average Volume (3M)27.83K
Price to Earnings (P/E)11.9
Beta (1Y)0.82
Revenue Growth2.06%
EPS Growth14.90%
CountryUS
Employees486
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)6.04
Shares Outstanding7,870,750
10 Day Avg. Volume26,350
30 Day Avg. Volume27,828
Financial Highlights & Ratios
PEG Ratio0.33
Price to Book (P/B)1.03
Price to Sales (P/S)2.15
P/FCF Ratio10.13
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$71.50Price Target Upside1.74% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)5.96
Revenue Forecast (FY)$156.21M
Home Bancorp Business Overview & Revenue Model
Company Description
Home Bancorp, Inc. serves as the parent company for Home Bank, National Association, delivering a comprehensive array of banking and financial services across Louisiana and Mississippi. Its product portfolio includes diverse deposit accounts such ...
How the Company Makes Money
Home Bancorp primarily makes money through (1) net interest income and (2) noninterest income. Net interest income is generated from earning interest on loans and other interest-earning assets (such as investment securities and interest-bearing ba...
Home Bancorp Earnings Call Summary
Earnings Call Date:Jul 20, 2026
(Q2-2026)
| % Change Since: |
Next Earnings Date:Oct 21, 2026
Earnings Call Sentiment Positive
The call conveyed a predominantly positive operational and financial performance: record net interest income, margin expansion, loan and deposit growth, strong capital metrics, tangible book value and dividend increases, and low net charge-offs. Management also outlined a proactive remediation plan for classified assets and identified reinvestment opportunities. Offsetting these strengths were credit quality pressures in a subset of relationships (increase in criticized/substandard loans and more OREO), elevated non-interest expenses (including foreclosed asset and fraud-related costs), competitive deposit pressures and a continued decline in construction lending. Management provided clear remediation targets and guidance on expenses, and emphasized balance sheet strength and capital readiness for M&A, leading to an overall constructive tone.Positive Updates
Record Net Interest Income and Margin Expansion
Net interest income reached $35.8 million in Q2 — the highest quarterly NII in the bank's 118-year history — up $1.3 million quarter-over-quarter and $2.5 million year-over-year (greater than +7% YoY). Net interest margin expanded to 4.24% (up 8 basis points QoQ) and has expanded ~58 basis points since Q2 2024.
Negative Updates
Increase in Criticized and Substandard Loans
Total criticized loans rose to $95.8 million (3.45% of total loans). Substandard loans increased by $7.4 million in the quarter, driven primarily by the downgrade of a $12.4 million C&I credit (though management notes it is paying as agreed with a strong guarantor).
Read all updates
Q2-2026 Updates
Positive
Negative
Record Net Interest Income and Margin Expansion
Net interest income reached $35.8 million in Q2 — the highest quarterly NII in the bank's 118-year history — up $1.3 million quarter-over-quarter and $2.5 million year-over-year (greater than +7% YoY). Net interest margin expanded to 4.24% (up 8 basis points QoQ) and has expanded ~58 basis points since Q2 2024.
Read all positive updates
Company Guidance
Management guided to mid‑single‑digit loan growth in the back half of 2026 with the loan‑to‑deposit ratio targeted in the middle of a 90–92% range, and modest further NIM expansion (a couple of basis points in Q3 and into Q4, moderating after Q4 into Q1‑2027) from a Q2 NIM of 4.24%; they expect quarterly non‑interest income of $3.8–$4.1M and non‑interest expense of $24.0–$24.8M over the next several quarters, and forecast resolution of roughly 14 loans (about one‑third of classified assets) by year‑end as part of an expected >$30M improvement in special assets (including ~$22M of resolutions, >$4M of substandard reductions and ~ $7M of NPAs improvement). Key Q2 metrics referenced alongside the guidance include NII $35.8M (+$1.3M q/q, +$2.5M y/y), loan growth +$50.7M (~7% annualized), deposits +$42.1M (6% annualized) to $3.1B with core deposits +$46.6M and non‑interest‑bearing deposits 27% of total, loan yield 6.46% (+5 bps q/q), earning‑asset yield +7 bps q/q, investment WAC 2.61%, new originations ≈6.6%, cost of interest‑bearing deposits 2.28% (cost of deposits 1.66%), allowance $34M (1.22% of loans), NPLs $26.4M (0.95% of loans), NPAs $39.2M (1.09% of assets), net charge‑offs 6 bps annualized, provision $762k, TBV/share $47.02 (+13% y/y), EPS $1.48, ROA 1.31%, dividend $0.32, Tier‑1 leverage 12.1%, total risk‑based capital 15.6%, and callable sub‑debt coupon 5.75% (callable 2027).Home Bancorp Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
82
Very Positive
Cash Flow
70
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 210.34M | 209.23M | 199.39M | 178.30M | 139.81M | 123.17M |
| Gross Profit | 151.95M | 147.58M | 132.37M | 132.49M | 124.13M | 127.03M |
| EBITDA | 61.49M | 61.33M | 48.68M | 53.72M | 45.97M | 63.52M |
| Net Income | 46.74M | 46.06M | 36.43M | 40.24M | 34.07M | 48.62M |
Balance Sheet | ||||||
| Total Assets | 3.60B | 3.49B | 3.44B | 3.32B | 3.23B | 2.94B |
| Cash, Cash Equivalents and Short-Term Investments | 597.34M | 180.72M | 114.46M | 91.95M | 574.27M | 929.42M |
| Total Debt | 54.78M | 57.70M | 235.54M | 252.49M | 235.76M | 31.59M |
| Total Liabilities | 3.15B | 3.06B | 3.05B | 2.95B | 2.90B | 2.59B |
| Stockholders Equity | 453.46M | 435.09M | 396.09M | 367.44M | 329.95M | 351.90M |
Cash Flow | ||||||
| Free Cash Flow | 51.49M | 44.34M | 44.67M | 39.33M | 48.49M | 53.24M |
| Operating Cash Flow | 61.23M | 54.51M | 48.73M | 41.36M | 51.20M | 55.72M |
| Investing Cash Flow | -43.28M | -2.88M | -107.11M | -94.25M | -495.35M | 54.93M |
| Financing Cash Flow | 57.69M | -8.57M | 81.09M | 41.33M | -69.89M | 302.85M |
Home Bancorp Technical Analysis
Positive
70.28
Price Trends
68.35
Positive
65.45
Positive
61.49
Positive
Market Momentum
1.03
Positive
58.90
Neutral
45.36
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HBCP, the sentiment is Positive. The current price of 70.28 is below the 20-day moving average (MA) of 70.48, above the 50-day MA of 68.35, and above the 200-day MA of 61.49, indicating a bullish trend. The MACD of 1.03 indicates Positive momentum. The RSI at 58.90 is Neutral, neither overbought nor oversold. The STOCH value of 45.36 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for HBCP.
Home Bancorp Risk Analysis
Home Bancorp disclosed 22 risk factors in its most recent earnings report. Home Bancorp reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Home Bancorp Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
84 Outperform | $709.47M | 5.50 | 27.40% | 0.29% | 40.09% | 327.11% | |
83 Outperform | $674.15M | 14.66 | 12.47% | 0.80% | 7.25% | 22.64% | |
80 Outperform | $564.18M | 11.93 | 10.65% | 1.74% | 2.06% | 14.90% | |
76 Outperform | $597.33M | 10.68 | 14.75% | 1.88% | 6.56% | 16.72% | |
71 Outperform | $511.48M | 9.45 | 11.72% | 3.51% | 35.31% | 190.50% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $616.96M | 16.43 | 4.77% | 4.65% | 1.05% | 38.31% |
* Financial Sector Average
HBCP
Home Bancorp
72.08
19.83
37.94%
FBIZ
First Business Financial
70.84
21.92
44.80%
KRNY
Kearny Financial
9.53
3.63
61.55%
CARE
Carter Bankshares
32.34
14.05
76.78%
RRBI
Red River Bancshares
102.33
38.04
59.17%
COFS
ChoiceOne Financial Services
34.38
5.01
17.07%
Home Bancorp Corporate Events
Business Operations and StrategyExecutive/Board ChangesDividendsFinancial Disclosures
Home Bancorp Posts Strong Second-Quarter 2026 Results
Positive
Jul 20, 2026
Home Bancorp reported solid second-quarter 2026 results on July 20, with net income rising to $11.6 million, or $1.48 per diluted share, from $11.4 million in the first quarter. Return on assets reached 1.31% and net interest margin expanded to 4....
Business Operations and StrategyExecutive/Board Changes
Home Bancorp Separates CEO, President Roles for Growth
Positive
Jun 26, 2026
On June 26, 2026, Home Bancorp announced that its board had approved a separation of the Chief Executive Officer and President roles, effective July 1, 2026, as part of an ongoing focus on management succession and long-term growth. John W. Bordel...
Executive/Board ChangesShareholder Meetings
Home Bancorp Shareholders Back Board, Pay and Auditor
Positive
May 14, 2026
At its Annual Meeting of Shareholders held on May 12, 2026, Home Bancorp reported that 6,243,058 of 7,837,496 eligible common shares were represented in person or by proxy, constituting a quorum for conducting business. Shareholders elected Daniel...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.