Home Bancorp (HBCP)
NASDAQ:HBCP
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Home Bancorp
(NASDAQ:HBCP)
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Rating:73Outperform
Price Target:
$65.00
▲(8.17% Upside)
Action:ReiteratedDate:03/07/26
The score is driven primarily by solid financial performance (strong 2025 profitability and cash generation with lower leverage) and an attractive valuation (low P/E with a dividend). Earnings-call takeaways are supportive but moderated by higher NPAs and near-term provision/expense pressure, while technical indicators point to weaker near-term momentum.
Positive Factors
Consistent cash generation
Home Bancorp has produced reliably positive operating cash flow each year and generated robust free cash flow (~$44.3M in 2025). Consistent FCF at ~80% of net income supports internal investment, dividends, and buybacks, strengthening long-term capital allocation flexibility.
Negative Factors
Rising nonperforming assets
An increase in NPAs to ~1.03% signals localized credit stress and concentrated relationship downgrades. Elevated NPAs can pressure reserves, constrain underwriting flexibility, and increase monitoring costs, creating persistent headwinds to credit margins and potentially raising future provision volatility.
Read all positive and negative factors
Positive Factors
Negative Factors
Consistent cash generation
Home Bancorp has produced reliably positive operating cash flow each year and generated robust free cash flow (~$44.3M in 2025). Consistent FCF at ~80% of net income supports internal investment, dividends, and buybacks, strengthening long-term capital allocation flexibility.
Read all positive factors
Home Bancorp (HBCP) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$470.89M
Dividend Yield1.92%
Average Volume (3M)27.83K
Price to Earnings (P/E)9.8
Beta (1Y)0.93
Revenue Growth6.25%
EPS Growth24.92%
CountryUS
Employees471
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)1.49
Shares Outstanding7,836,346
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 Cap0.82
Enterprise Value/Revenue1.85
Enterprise Value/Gross Profit2.60
Enterprise Value/Ebitda6.40
Forecast
1Y Price Target
$66.00Price Target Upside9.84% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)5.8
Revenue Forecast (FY)$154.20M
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-be...
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...
Home Bancorp Earnings Call Summary
Earnings Call Date:Jan 26, 2026
(Q4-2025)
| % Change Since: |
Next Earnings Date:Apr 28, 2026
Earnings Call Sentiment Positive
The call presented multiple strong positives: record full-year earnings and EPS growth (+29% y/y), meaningful deposit growth (~7% and reduced wholesale funding), low net charge-offs and stable reserves, a constructive NIM outlook (targeting ~4.10%–4.15%) and successful capital deployment (dividend increase and buybacks). Offsetting items include a q/q earnings decline driven by higher provisions, a q/q dip in loan yields and NIM due to Fed cuts, a rise in NPAs (1.03% of assets) tied to several downgraded relationships, loan growth below historical norms due to elevated payoffs, and near-term expense increases. Overall, positives — especially the record annual results, deposit/funding improvements, low credit losses, and capital strength — outweigh the near-term headwinds.Positive Updates
Record 2025 Earnings and EPS Growth
Full-year 2025 net income of $46.0M, or $5.87 per share — a company record and a 29% increase in EPS vs. 2024. Q4 2025 net income was $11.4M, or $1.46 per share, up 21% year-over-year.
Negative Updates
Quarter-over-Quarter Earnings and Provision Headwind
Q4 net income declined 8% vs. Q3 primarily due to an increase in provision expense. Provision expense was $480k in Q4, an increase of $709k from the prior quarter.
Read all updates
Q4-2025 Updates
Positive
Negative
Record 2025 Earnings and EPS Growth
Full-year 2025 net income of $46.0M, or $5.87 per share — a company record and a 29% increase in EPS vs. 2024. Q4 2025 net income was $11.4M, or $1.46 per share, up 21% year-over-year.
Read all positive updates
Company Guidance
Management's guidance emphasized mid-single-digit loan growth for 2026 (Loans grew $38M in Q4, ~6% annualized), NIM expansion to about 4.10%–4.15% (Q4 NIM 4.06%, December 4.08%) as deposit pricing adjusts, and continued deposit focus after deposits grew 7% ($192M) in 2025 with average deposits up $58M in Q4 ($187M for the year), reducing the loan-to-deposit ratio to 92% and allowing FHLB advances to fall $173M to $3M; they expect noninterest income of $3.8M–$4.0M per quarter (Q4 was $4.0M) and noninterest expense of $22.5M–$23.0M in Q1 rising to $23.3M–$23.7M thereafter, plan to keep the investment portfolio near 11%–12% of assets (adding ~$15M–$20M on a par basis) with half of securities rolling off at a 2.56% yield, and highlighted credit and capital metrics: contractual new loan origination rates ~7% in Q4, 41% of loans (blended 5.7%) expected to reprice/refinance in three years, allowance/loan ratio stable at 1.21%, net charge-offs $165K in Q4 and $908K for 2025 (~3 bps of loans, six‑year average ~6 bps), NPAs $36.1M (1.03% of assets) with about $5.5M expected to resolve in February, and capital strength that supported a 9.6% annualized increase in tangible book value (AOCI‑adj) since 2019, 11.5% EPS CAGR, a 55% dividend increase to $0.31, 17% of shares repurchased, and an explicit willingness to pursue M&A up to about half their size (not > ~$1.5B).Home Bancorp Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
73
Positive
Cash Flow
80
Positive
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 209.23M | 199.39M | 178.30M | 139.81M | 123.17M |
| Gross Profit | 147.58M | 132.37M | 132.49M | 124.13M | 127.03M |
| EBITDA | 58.02M | 48.68M | 53.72M | 45.97M | 63.52M |
| Net Income | 46.06M | 36.43M | 40.24M | 34.07M | 48.62M |
Balance Sheet | |||||
| Total Assets | 3.49B | 3.44B | 3.32B | 3.23B | 2.94B |
| Cash, Cash Equivalents and Short-Term Investments | 533.05M | 114.46M | 91.95M | 574.27M | 929.42M |
| Total Debt | 57.70M | 235.54M | 252.49M | 235.76M | 31.59M |
| Total Liabilities | 3.06B | 3.05B | 2.95B | 2.90B | 2.59B |
| Stockholders Equity | 435.09M | 396.09M | 367.44M | 329.95M | 351.90M |
Cash Flow | |||||
| Free Cash Flow | 44.34M | 44.67M | 39.33M | 48.49M | 53.24M |
| Operating Cash Flow | 54.51M | 48.73M | 41.36M | 51.20M | 55.72M |
| Investing Cash Flow | -2.88M | -107.11M | -94.25M | -495.35M | 54.93M |
| Financing Cash Flow | -8.57M | 81.09M | 41.33M | -69.89M | 302.85M |
Home Bancorp Technical Analysis
Positive
60.09
Price Trends
60.29
Negative
58.55
Positive
55.92
Positive
Market Momentum
0.09
Negative
51.00
Neutral
56.51
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 60.09 is above the 20-day moving average (MA) of 59.59, below the 50-day MA of 60.29, and above the 200-day MA of 55.92, indicating a neutral trend. The MACD of 0.09 indicates Negative momentum. The RSI at 51.00 is Neutral, neither overbought nor oversold. The STOCH value of 56.51 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 | $591.29M | 11.15 | 12.35% | 0.73% | 7.81% | 26.91% | |
73 Outperform | $470.89M | 9.75 | 11.03% | 1.92% | 6.25% | 24.92% | |
72 Outperform | $442.09M | 8.80 | 14.27% | 2.08% | 8.21% | 29.65% | |
69 Neutral | $507.12M | 12.67 | 7.65% | ― | 6.62% | 117.46% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | $477.13M | 12.32 | 4.31% | 5.80% | 4.38% | ― | |
58 Neutral | $407.81M | 14.61 | 6.16% | 3.69% | 50.36% | -56.64% |
* Financial Sector Average
HBCP
Home Bancorp
60.09
15.77
35.58%
FBIZ
First Business Financial
52.99
6.47
13.90%
KRNY
Kearny Financial
7.37
1.51
25.68%
CARE
Carter Bankshares
22.88
6.56
40.20%
RRBI
Red River Bancshares
89.90
39.17
77.20%
COFS
ChoiceOne Financial Services
27.22
-0.45
-1.64%
Home Bancorp Corporate Events
DividendsFinancial Disclosures
Home Bancorp Reports Q4 2025 Results and Dividend
Neutral
Jan 26, 2026
On January 26, 2026, Home Bancorp reported its financial results for the fourth quarter of 2025, posting net income of $11.4 million, or $1.46 per diluted share, down 8% from the prior quarter as net interest margin compressed to 4.06% amid lower ...
Business Operations and StrategyFinancial Disclosures
Home Bancorp Schedules Fourth-Quarter 2025 Earnings Release
Neutral
Jan 6, 2026
Home Bancorp, Inc. announced on January 6, 2026, that it planned to release its earnings for the quarter ended December 31, 2025, after the close of business on Monday, January 26, 2026, with the earnings release and an accompanying investor prese...
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.