Home Bancorp (HBCP)
NASDAQ:HBCP
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Home Bancorp
(NASDAQ:HBCP)
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Rating:79Outperform
Price Target:
$74.00
▲(14.41% Upside)
Action:Reiterated
Date:05/09/26
HBCP scores well primarily on solid financial performance (growth, profitability, and materially improved leverage) and an attractive valuation (low P/E). Technicals add support with a clear uptrend and healthy momentum. The earnings call was constructive on margin and deposits, tempered by credit normalization and slower loan growth.
Positive Factors
Improved Leverage
Material leverage reduction meaningfully lowers financial risk and increases capital flexibility. With much lower debt-to-equity, the bank can better absorb credit losses, sustain dividends/repurchases, and support measured balance-sheet growth without depending on expensive wholesale funding.
Negative Factors
Rising Asset-Quality Stress
Growing NPAs and recent downgrades indicate elevated credit stress that can persist for multiple quarters. Longer timelines to resolve problem credits increase provisioning needs, depress earnings quality, and can constrain capital allocation until stressed exposures are resolved or charged off.
Read all positive and negative factors
Positive Factors
Negative Factors
Improved Leverage
Material leverage reduction meaningfully lowers financial risk and increases capital flexibility. With much lower debt-to-equity, the bank can better absorb credit losses, sustain dividends/repurchases, and support measured balance-sheet growth without depending on expensive wholesale funding.
Read all positive factors
Home Bancorp (HBCP) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$496.20M
Dividend Yield1.92%
Average Volume (3M)27.83K
Price to Earnings (P/E)10.3
Beta (1Y)0.92
Revenue Growth3.07%
EPS Growth25.18%
CountryUS
Employees471
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 Cap0.68
Enterprise Value/Revenue1.61
Enterprise Value/Gross Profit2.24
Enterprise Value/Ebitda5.59
Forecast
1Y Price Target
$69.00Price Target Upside6.68% Upside
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)5.84
Revenue Forecast (FY)$154.93M
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 primarily makes money through (1) net interest income and (2) noninterest income. Net interest income is generated from the spread between interest earned on interest-earning assets—mainly loans (such as commercial real estate, commer...
Home Bancorp Earnings Call Summary
Earnings Call Date:Apr 20, 2026
(Q1-2026)
| % Change Since: |
Next Earnings Date:Jul 28, 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 | 60.23M | 58.02M | 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 | 49.87M | 44.34M | 44.67M | 39.33M | 48.49M | 53.24M |
| Operating Cash Flow | 58.52M | 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
61.04
Positive
59.90
Positive
56.87
Positive
Market Momentum
1.17
Negative
62.18
Neutral
63.30
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 above the 20-day moving average (MA) of 62.32, above the 50-day MA of 61.04, and above the 200-day MA of 56.87, indicating a bullish trend. The MACD of 1.17 indicates Negative momentum. The RSI at 62.18 is Neutral, neither overbought nor oversold. The STOCH value of 63.30 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 |
|---|---|---|---|---|---|---|---|
83 Outperform | $581.55M | 1.49 | 24.82% | ― | 30.36% | 306.20% | |
80 Outperform | $591.17M | 12.42 | 12.46% | 0.73% | 7.26% | 25.66% | |
79 Outperform | $496.20M | 10.30 | 10.86% | 1.92% | 3.07% | 25.18% | |
73 Outperform | $460.17M | 9.05 | 14.12% | 2.08% | 5.94% | 10.27% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $514.03M | 11.71 | 4.75% | 5.80% | -0.49% | ― | |
58 Neutral | $462.28M | 7.70 | 12.28% | 3.69% | 59.56% | 203.82% |
* Financial Sector Average
HBCP
Home Bancorp
63.27
12.89
25.59%
FBIZ
First Business Financial
55.03
6.90
14.33%
KRNY
Kearny Financial
7.94
1.79
29.15%
CARE
Carter Bankshares
26.17
10.50
67.01%
RRBI
Red River Bancshares
89.78
33.42
59.29%
COFS
ChoiceOne Financial Services
30.87
1.76
6.05%
Home Bancorp Corporate Events
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.