Home Bancorp (HBCP) Stock Price, News & Analysis

Company Overview

Home Bancorp, Inc. (NASDAQ:HBCP) is a bank holding company that provides a broad range of community banking services through its primary subsidiary, Home Bank, N.A. Headquartered in Birmingham, Alabama, the company operates a network of more than 50 full-service branch locations across Alabama, Georgia, Tennessee and Northwest Florida. Home Bank offers deposit accounts, consumer and commercial lending, mortgage financing, treasury management and specialized agricultural and professional banking services to individuals, businesses and agricultural enterprises.

The company’s deposit portfolio includes checking, savings and money market accounts, as well as certificates of deposit, designed to meet the cash management needs of retail and business clients. On the lending side, Home Bank provides residential mortgages, construction and development loans, commercial real estate financing, equipment and vehicle loans, lines of credit and consumer installment loans. Complementary services such as online and mobile banking, remote deposit capture and merchant services aim to enhance convenience and efficiency for customers.

Since its founding in the late 1990s, Home Bancorp has pursued growth through a combination of organic branch expansion and strategic acquisitions. Key transactions, including the acquisition of Southeastern National Bank in 2018, have strengthened its market presence and expanded its commercial banking capabilities. The company emphasizes disciplined risk management, sound underwriting practices and a strong capital position to support sustainable growth and consistent earnings performance.

Home Bancorp’s leadership team brings extensive experience in community banking and financial services. Under the guidance of Chairman Lynn J. Pippin and President and Chief Executive Officer Kenneth W. Creel, the board of directors and executive officers focus on fostering local relationships, supporting economic development in their communities and leveraging technology to improve the customer experience. This governance framework is intended to promote long-term value creation for shareholders and stakeholders throughout the service region.

Key Stats

• Today's Range: $55.89 to $57.31
• 50-Day Range: $48.36 to $56.72
• 52-Week Range: $37.35 to $58.38
• Volume: 36,663 shs
• Average Volume: 27,648 shs
• Market Capitalization: $437.42 million
• P/E Ratio: 11.73
• Dividend Yield: 1.93%
• Price Target: $55.50
• Consensus Rating: Moderate Buy

Home Bancorp Stock Analysis - MarketRank™

Home Bancorp scored higher than 71% of companies evaluated by MarketBeat, and ranked 412th out of 933 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 1.3 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

Home Bancorp has received a consensus rating of Moderate Buy. The company's average rating score is 2.67, and is based on 2 buy ratings, 1 hold rating, and no sell ratings.

Amount of Analyst Coverage

Home Bancorp has only been the subject of 2 research reports in the past 90 days.

Earnings and Valuation

• Score: 2.5 / 5
• Proj. Earnings Growth: 9.21%

Earnings Growth

Earnings for Home Bancorp are expected to grow by 9.21% in the coming year, from $4.78 to $5.22 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Home Bancorp is 11.73, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 26.51.

Price to Earnings Ratio vs. Sector

The P/E ratio of Home Bancorp is 11.73, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 19.17.

Price to Book Value per Share Ratio

Home Bancorp has a P/B Ratio of 1.14. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 5.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.71% of the float of Home Bancorp has been sold short.

Short Interest Ratio / Days to Cover

Home Bancorp has a short interest ratio ("days to cover") of 1, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Home Bancorp has recently decreased by 21.86%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 4.2 / 5
• Dividend Strength: Strong

Dividend Yield

Home Bancorp pays a meaningful dividend of 1.93%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

Home Bancorp has been increasing its dividend for 10 years.

Dividend Coverage

The dividend payout ratio of Home Bancorp is 22.59%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, Home Bancorp will have a dividend payout ratio of 20.69% next year. This indicates that Home Bancorp will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

0.71% of the float of Home Bancorp has been sold short.

Short Interest Ratio / Days to Cover

Home Bancorp has a short interest ratio ("days to cover") of 1, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Home Bancorp has recently decreased by 21.86%, indicating that investor sentiment is improving significantly.

News and Social Media

• Score: 2.2 / 5
• News Sentiment: 0.94

News Sentiment

Home Bancorp has a news sentiment score of 0.94. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This news sentiment score is similar to the average news sentiment of Finance companies.

News Coverage This Week

MarketBeat has tracked 2 news articles for Home Bancorp this week, compared to 2 articles on an average week.

MarketBeat Follows

2 people have added Home Bancorp to their MarketBeat watchlist in the last 30 days.

Company Ownership

• Score: 1.7 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, Home Bancorp insiders have sold more of their company's stock than they have bought. Specifically, they have bought $0.00 in company stock and sold $238,923.00 in company stock.

Percentage Held by Insiders

Only 7.90% of the stock of Home Bancorp is held by insiders.

Percentage Held by Institutions

49.41% of the stock of Home Bancorp is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

HBCP Stock Analysis - Frequently Asked Questions

How have HBCP shares performed this year?

Home Bancorp's stock was trading at $46.21 on January 1st, 2025. Since then, HBCP shares have increased by 21.4% and is now trading at $56.08.

How were Home Bancorp's earnings last quarter?

Home Bancorp, Inc. (NASDAQ:HBCP) released its quarterly earnings data on Monday, April, 21st. The bank reported $1.37 earnings per share for the quarter, beating the consensus estimate of $1.14 by $0.23. The bank earned $35.76 million during the quarter, compared to the consensus estimate of $30.90 million. Home Bancorp had a trailing twelve-month return on equity of 9.74% and a net margin of 18.82%.
Read the conference call transcript.

Who are Home Bancorp's major shareholders?

Top institutional shareholders of Home Bancorp include Cullen Investment Group LTD. (0.31%), Janney Montgomery Scott LLC (0.07%) and U.S. Capital Wealth Advisors LLC (0.05%). Insiders that own company stock include Daniel G Guidry, Chris P Rader, John J Iv Zollinger and David T Kirkley.
View institutional ownership trends.

How do I buy shares of Home Bancorp?

Shares of HBCP stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Home Bancorp own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Home Bancorp investors own include NVIDIA (NVDA), Meta Platforms (META), Advanced Micro Devices (AMD), JPMorgan Chase & Co. (JPM), Tesla (TSLA), Netflix (NFLX) and Alphabet (GOOG).

Company Calendar

• Last Earnings: 4/21/2025
• Record date for 5/16 Dividend: 5/05/2025
• Ex-Dividend for 5/16 Dividend: 5/05/2025
• Dividend Payable: 5/16/2025
• Today: 7/18/2025
• Next Earnings (Estimated): 7/21/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: BANKS - SOUTHEAST
• Sub-Industry: Thrifts & Mortgage Finance
• Current Symbol: NASDAQ:HBCP
• CIK: 1436425
• Web: www.home24bank.com
• Phone: (337) 237-1960
• Fax: 337-264-9280
• Employees: 440
• Year Founded: N/A

Price Target and Rating

• Average Price Target for Home Bancorp: $55.50
• High Price Target: $65.00
• Low Price Target: $50.00
• Potential Upside/Downside: -0.8%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.67
• Research Coverage: 3 Analysts

Profitability

• EPS (Trailing Twelve Months): $4.78
• Trailing P/E Ratio: 11.68
• Forward P/E Ratio: 11.70
• P/E Growth: N/A
• Net Income: $36.43 million
• Net Margins: 18.82%
• Pretax Margin: 23.42%
• Return on Equity: 9.74%
• Return on Assets: 1.11%

Debt

• Debt-to-Equity Ratio: 0.17
• Current Ratio: 0.96
• Quick Ratio: 0.96

Sales & Book Value

• Annual Sales: $199.39 million
• Price / Sales: 2.19
• Cash Flow: $5.37 per share
• Price / Cash Flow: 10.41
• Book Value: $49.04 per share
• Price / Book: 1.14

Miscellaneous

• Outstanding Shares: 7,800,000
• Free Float: 7,185,000
• Market Cap: $436.21 million
• Optionable: Optionable
• Beta: 0.56