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Home Bancorp
(NASDAQ:HBCP)
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Rating:79Outperform
Price Target:
$77.00
▲(19.05% Upside)
Action:Reiterated
Date:06/27/26
The score is driven primarily by strong financial performance (durable profitability and sharply improved leverage) and a constructive technical trend (price above major moving averages with positive momentum). The latest earnings call adds support via NIM and funding-cost improvement guidance, while valuation is reasonable but the modest dividend yield and emerging credit/loan-growth headwinds keep the score below the high-80s/90s.
Positive Factors
Net Interest Margin Expansion
Sustained NIM expansion reflects durable improvements in funding mix and repricing power: lower deposit costs and higher-yield investment/loan roll‑ins increase core net interest income over coming quarters, supporting predictable earnings even with modest loan growth headwinds.
Negative Factors
Rising Nonperforming Assets
Quarterly uptick in NPAs and NPLs indicates credit stress concentrated in select relationships; incremental provisions and slower workout timelines can erode earnings and require higher capital absorption. Persistently elevated classified assets may pressure credit costs for several quarters.
Read all positive and negative factors
Positive Factors
Negative Factors
Net Interest Margin Expansion
Sustained NIM expansion reflects durable improvements in funding mix and repricing power: lower deposit costs and higher-yield investment/loan roll‑ins increase core net interest income over coming quarters, supporting predictable earnings even with modest loan growth headwinds.
Read all positive factors
Home Bancorp (HBCP) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$560.04M
Dividend Yield1.92%
Average Volume (3M)27.83K
Price to Earnings (P/E)11.5
Beta (1Y)0.87
Revenue Growth3.07%
EPS Growth25.18%
CountryUS
Employees486
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)6.02
Shares Outstanding7,842,631
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
$69.00Price Target Upside6.68% Upside
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)5.95
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:Apr 20, 2026
(Q1-2026)
| % Change Since: |
Next Earnings Date:Jul 20, 2026
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.Positive Updates
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.
Negative Updates
Sequential Loan Balance Decline
Total loans declined 1% in Q1 as paydowns outpaced new production; management cites customers delaying projects and transactions amid interest-rate uncertainty.
Read all updates
Q1-2026 Updates
Positive
Negative
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.
Read all positive updates
Company Guidance
Management's guidance called for continued NIM expansion for the remainder of 2026 driven by repricing in loans and investments (they see roughly a 40 bp pickup on new loan originations versus paydowns, average new production ≈7%, and new investment yields north of 4% vs a ~2.43% expected roll‑off), supported by lower funding costs (cost of interest‑bearing deposits down 22 bps to 2.29%, overall cost of deposits down 16 bps to 1.68%, and cost of interest‑bearing liabilities down ~64 bps since Q3'24) and strong deposit trends ($54M deposit growth in Q1; core deposits +$118M; noncore CD declines $64M; noninterest‑bearing deposits +$37M, now 27% of total), even as loans fell 1% and the loan‑to‑deposit ratio sits near 90%; they reiterated quarterly noninterest income should be about $3.8–$4.0M, quarterly noninterest expense is expected to modestly rise to ~$23.3–$23.7M, and credit remains manageable (Q1 provision $922k; ALLL $33.1M or 1.23% of loans; NPLs $35.8M or 1.31% of loans; annualized net charge‑offs 6 bps).Home Bancorp Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
83
Very Positive
Cash Flow
74
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 209.55M | 209.23M | 199.39M | 178.30M | 139.81M | 123.17M |
| Gross Profit | 150.54M | 147.58M | 132.37M | 132.49M | 124.13M | 127.03M |
| EBITDA | 61.91M | 61.33M | 48.68M | 53.72M | 45.97M | 63.52M |
| Net Income | 46.46M | 46.06M | 36.43M | 40.24M | 34.07M | 48.62M |
Balance Sheet | ||||||
| Total Assets | 3.55B | 3.49B | 3.44B | 3.32B | 3.23B | 2.94B |
| Cash, Cash Equivalents and Short-Term Investments | 609.74M | 180.72M | 114.46M | 91.95M | 574.27M | 929.42M |
| Total Debt | 54.73M | 57.70M | 235.54M | 252.49M | 235.76M | 31.59M |
| Total Liabilities | 3.11B | 3.06B | 3.05B | 2.95B | 2.90B | 2.59B |
| Stockholders Equity | 444.41M | 435.09M | 396.09M | 367.44M | 329.95M | 351.90M |
Cash Flow | ||||||
| Free Cash Flow | 50.10M | 44.34M | 44.67M | 39.33M | 48.49M | 53.24M |
| Operating Cash Flow | 58.75M | 54.51M | 48.73M | 41.36M | 51.20M | 55.72M |
| Investing Cash Flow | 38.52M | -2.88M | -107.11M | -94.25M | -495.35M | 54.93M |
| Financing Cash Flow | 15.56M | -8.57M | 81.09M | 41.33M | -69.89M | 302.85M |
Home Bancorp Technical Analysis
Positive
64.68
Price Trends
66.23
Positive
63.65
Positive
60.16
Positive
Market Momentum
0.95
Negative
65.35
Neutral
61.55
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 64.68 is below the 20-day moving average (MA) of 68.34, below the 50-day MA of 66.23, and above the 200-day MA of 60.16, indicating a bullish trend. The MACD of 0.95 indicates Negative momentum. The RSI at 65.35 is Neutral, neither overbought nor oversold. The STOCH value of 61.55 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 |
|---|---|---|---|---|---|---|---|
80 Outperform | $734.66M | 6.76 | 24.82% | ― | 30.36% | 306.20% | |
79 Outperform | $560.04M | 11.51 | 10.86% | 1.92% | 3.07% | 25.18% | |
78 Outperform | $556.33M | 10.70 | 14.12% | 2.08% | 5.94% | 10.27% | |
75 Outperform | $657.61M | 14.59 | 12.46% | 0.73% | 7.26% | 25.66% | |
74 Outperform | $518.44M | 9.15 | 12.28% | 3.69% | 59.56% | 203.82% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $627.32M | 16.67 | 4.75% | 5.80% | -0.49% | ― |
* Financial Sector Average
HBCP
Home Bancorp
69.31
14.42
26.27%
FBIZ
First Business Financial
65.70
13.25
25.27%
KRNY
Kearny Financial
9.50
3.41
55.94%
CARE
Carter Bankshares
33.35
15.25
84.25%
RRBI
Red River Bancshares
97.73
35.39
56.77%
COFS
ChoiceOne Financial Services
33.93
5.81
20.64%
Home Bancorp Corporate Events
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...
Business Operations and StrategyDividendsFinancial Disclosures
Home Bancorp Reports Stable Q1 2026 Earnings, Declares Dividend
Positive
Apr 20, 2026
Home Bancorp, Inc. reported first-quarter 2026 net income of $11.4 million, or $1.45 per diluted share, essentially flat versus the prior quarter, as lower loan production was offset by stronger deposit growth and margin expansion. The board also ...
Financial Disclosures
Home Bancorp Sets Date for Q1 2026 Results Release
Neutral
Apr 2, 2026
Home Bancorp, Inc., the Lafayette, Louisiana-based holding company for community-oriented Home Bank, N.A., traces its origins to 1908 and operates as the oldest financial institution founded in Lafayette Parish. The bank provides traditional banki...
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.