Home Bancorp (HBCP) AI Stock Analysis

• Market Cap: $476.89M
• Dividend Yield: 1.91%
• Average Volume (3M): 27.83K
• Price to Earnings (P/E): 10.8
• Beta (1Y): 0.90
• Revenue Growth: 6.25%
• EPS Growth: 24.92%
• Country: US
• Employees: 471
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 1.62
• Shares Outstanding: 7,828,144
• 10 Day Avg. Volume: 26,350
• 30 Day Avg. Volume: 27,828
• PEG Ratio: -1.18
• Price to Book (P/B): 0.93
• Price to Sales (P/S): 1.85
• P/FCF Ratio: 8.27
• Enterprise Value/Market Cap: 0.92
• Enterprise Value/Revenue: 2.11
• Enterprise Value/Gross Profit: 3.02
• Enterprise Value/Ebitda: 7.47
• 1Y Price Target: $62.00
• Price Target Upside: 3.80% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 75 Outperform
• Price Target: $64.00 ▲(7.15% Upside)

Home Bancorp's overall stock score is driven by its strong financial performance and attractive valuation. The positive technical indicators further support the stock's potential. However, the decline in revenue growth and increased nonperforming assets are areas of concern that need monitoring.

Positive Factors

Balance Sheet Health

A low debt-to-equity ratio indicates reduced leverage, enhancing financial stability and flexibility, which is crucial for long-term sustainability.

Cash Flow Generation

Strong free cash flow growth supports operational flexibility and investment capacity, contributing to the company's long-term financial health.

Dividend Increase

A dividend increase reflects confidence in future earnings and provides value to shareholders, enhancing the company's attractiveness as an investment.

Negative Factors

Revenue Growth Decline

A decline in revenue growth can signal challenges in market expansion or product demand, potentially impacting long-term profitability and market position.

Increase in Nonperforming Assets

Rising nonperforming assets can strain financial resources and increase risk, potentially affecting the company's credit quality and financial stability.

Gross Profit Margin Decline

A declining gross profit margin suggests potential cost management issues, which could affect profitability and competitive positioning over time.

Home Bancorp Business Overview & Revenue Model

Company Description

Home Bancorp, Inc. operates as the bank holding company for Home Bank, National Association that provides various banking products and services in Louisiana and Mississippi. It offers deposit products, including interest-bearing and noninterest-bearing checking, money market, savings, NOW, and certificates of deposit accounts. The company also provides various loan products, such as one-to four-family first mortgage loans, home equity loans and lines, commercial real estate loans, construction and land loans, multi-family residential loans, commercial and industrial loans, and consumer loans. In addition, it invests in securities; and offers credit cards and online banking services. The company operates through a network of 19 banking offices in the Acadiana, four banking offices in Baton Rouge, six banking offices in the Greater New Orleans area, six banking offices in the Northshore region, and three banking offices in Natchez. Home Bancorp, Inc. was founded in 1908 and is headquartered in Lafayette, Louisiana.

How the Company Makes Money

Home Bancorp generates revenue primarily through interest income from loans, which constitutes a significant portion of its earnings. The company originates various types of loans, including residential mortgages, commercial real estate loans, and consumer loans, which are then held in its portfolio or sold in the secondary market. Additionally, Home Bancorp earns non-interest income from service fees, transaction fees, and other banking services. The bank's deposit-taking activities also contribute to its revenue, as it attracts funds from customers in the form of savings and checking accounts. Furthermore, strategic partnerships with local businesses and community organizations enhance its customer base and drive growth in both loan and deposit volumes, positively impacting its overall profitability.

Home Bancorp Financial Statement Overview

Summary

Home Bancorp demonstrates solid profitability with a strong net profit margin of 22.56% and reduced leverage, as indicated by a low debt-to-equity ratio of 0.15. However, the decline in revenue growth by 4.65% and a decrease in gross profit margin highlight potential cost management issues.

Income Statement

Home Bancorp's income statement shows a mixed performance. The TTM (Trailing-Twelve-Months) data indicates a decline in revenue growth rate by 4.65%, which is concerning. However, the company maintains a strong net profit margin of 22.56% and an EBIT margin of 28.21%, reflecting good profitability. The gross profit margin has decreased significantly compared to previous years, indicating potential cost management issues.

Balance Sheet

The balance sheet reflects a stable financial position with a low debt-to-equity ratio of 0.15 in the TTM period, showing reduced leverage compared to previous years. Return on equity is at 10.87%, indicating efficient use of equity to generate profits. The equity ratio is not directly provided, but the overall equity position seems strong, supporting financial stability.

Cash Flow

Cash flow analysis reveals a positive trajectory with a 9.50% growth in free cash flow in the TTM period. The free cash flow to net income ratio is 0.87, indicating a healthy conversion of income into cash. However, the operating cash flow to net income ratio is not available, which limits a full assessment of cash flow efficiency.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	207.95M	199.39M	178.30M	139.81M	123.17M	118.43M
Gross Profit	145.09M	132.37M	132.49M	124.13M	127.03M	93.79M
EBITDA	58.74M	48.68M	53.72M	45.97M	63.52M	34.03M
Net Income	44.32M	36.43M	40.24M	34.07M	48.62M	24.77M
Balance Sheet
Total Assets	3.49B	3.44B	3.32B	3.23B	2.94B	2.59B
Cash, Cash Equivalents and Short-Term Investments	219.96M	114.46M	91.95M	574.27M	929.42M	443.05M
Total Debt	63.22M	235.54M	252.49M	235.76M	31.59M	34.36M
Total Liabilities	3.07B	3.05B	2.95B	2.90B	2.59B	2.27B
Stockholders Equity	423.04M	396.09M	367.44M	329.95M	351.90M	321.84M
Cash Flow
Free Cash Flow	42.55M	44.67M	39.33M	48.49M	53.24M	46.88M
Operating Cash Flow	48.65M	48.73M	41.36M	51.20M	55.72M	49.03M
Investing Cash Flow	-1.17M	-107.11M	-94.25M	-495.35M	54.93M	-260.04M
Financing Cash Flow	5.97M	81.09M	41.33M	-69.89M	302.85M	359.11M

Home Bancorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 59.73
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: 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 59.73 is above the 20-day moving average (MA) of 58.20, above the 50-day MA of 55.44, and above the 200-day MA of 51.82, indicating a bullish trend. The MACD of 1.67 indicates Negative momentum. The RSI at 62.39 is Neutral, neither overbought nor oversold. The STOCH value of 68.26 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for HBCP.

Home Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
RRBI	78 Outperform	$508.84M	12.51	12.03%	0.73%	7.81%	26.91%
FBIZ	76 Outperform	$473.32M	9.35	15.02%	2.07%	8.21%	29.65%
CARE	75 Outperform	$442.62M	14.69	7.71%	―	6.62%	117.46%
HBCP	75 Outperform	$476.89M	10.84	10.86%	1.91%	6.25%	24.92%
KRNY	71 Outperform	$509.50M	16.76	3.92%	5.68%	4.38%	―
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
COFS	67 Neutral	$457.77M	22.36	6.16%	3.67%	50.36%	-56.64%

Home Bancorp Corporate Events

Home Bancorp Reports Strong Q3 Financial Results

On October 20, 2025, Home Bancorp, Inc. announced its third-quarter financial results, reporting a net income of $12.4 million, an increase from the previous quarter. Despite a slowdown in loan production, the company saw improved deposit growth, which helped reduce the loan-to-deposit ratio to 91%. The Board of Directors declared a quarterly cash dividend of $0.31 per share, marking a 7% increase. The company’s financial performance remained robust with a return on assets of 1.41% and a net interest margin expansion to 4.10%. However, there was an increase in nonperforming assets primarily due to five loan relationships moving to nonaccrual status.

Home Bancorp to Release Q3 2025 Earnings Soon

Home Bancorp, Inc. announced plans to release its earnings for the third quarter of 2025 on October 20, 2025, with a subsequent conference call scheduled for October 21, 2025. The call will feature discussions by the company’s executives on the quarterly results, providing insights into the company’s financial performance and strategic direction.