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Home Bancorp (HBCP) Financials

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$49.57 -0.77 (-1.53%)
Closing price 05/21/2025 04:00 PM Eastern
Extended Trading
$49.59 +0.02 (+0.04%)
As of 05/21/2025 04:04 PM Eastern
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Annual Income Statements for Home Bancorp

Annual Income Statements for Home Bancorp

This table shows Home Bancorp's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022
Period end date 12/31/2024 12/31/2023 12/31/2022
Net Income / (Loss) Attributable to Common Shareholders		 36 40 34
Consolidated Net Income / (Loss)		 36 40 34
Net Income / (Loss) Continuing Operations		 36 40 34
Total Pre-Tax Income 		45 50 43
Total Revenue		 135 135 132
Net Interest Income / (Expense)		 120 121 118
Total Interest Income		 185 164 126
Loans and Leases Interest Income		 170 149 113
Investment Securities Interest Income		 11 12 10
Other Interest Income		 3.60 2.42 3.14
Total Interest Expense		 65 43 7.92
Deposits Interest Expense		 53 28 5.22
Short-Term Borrowings Interest Expense		 0.96 11 0.36
Long-Term Debt Interest Expense		 11 4.74 2.34
Total Non-Interest Income		 15 15 14
Other Service Charges		 13 13 12
Net Realized & Unrealized Capital Gains on Investments		 0.50 0.54 0.69
Other Non-Interest Income		 1.10 1.05 0.92
Provision for Credit Losses		 2.42 2.34 7.49
Total Non-Interest Expense		 87 83 82
Salaries and Employee Benefits		 51 49 48
Net Occupancy & Equipment Expense		 20 19 18
Marketing Expense		 2.00 2.15 2.26
Other Operating Expenses		 12 11 12
Amortization Expense		 1.33 1.60 1.60
Income Tax Expense		 8.76 9.91 8.43
Basic Earnings per Share		 $4.58 $5.02 $4.19
Weighted Average Basic Shares Outstanding		 8.10M 8.15M 8.29M
Diluted Earnings per Share		 $4.55 $4.99 $4.16
Weighted Average Diluted Shares Outstanding		 8.10M 8.15M 8.29M
Weighted Average Basic & Diluted Shares Outstanding		 8.10M 8.15M 8.29M
Cash Dividends to Common per Share		 $1.01 $1.00 $0.93

Quarterly Income Statements for Home Bancorp

This table shows Home Bancorp's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Net Income / (Loss) Attributable to Common Shareholders		 9.67 9.44 8.12 9.20 9.39 9.75 9.78 11 11 10
Consolidated Net Income / (Loss)		 9.67 9.44 8.12 9.20 9.39 9.75 9.78 11 11 10
Net Income / (Loss) Continuing Operations		 9.67 9.44 8.12 9.20 9.39 9.75 9.78 11 11 10
Total Pre-Tax Income 		12 12 10 11 11 12 12 14 13 13
Total Revenue		 35 34 33 32 33 34 34 35 37 35
Net Interest Income / (Expense)		 32 30 29 29 29 30 30 32 33 32
Total Interest Income		 48 47 45 44 43 42 40 38 37 34
Loans and Leases Interest Income		 44 44 42 41 40 38 37 34 33 30
Investment Securities Interest Income		 2.70 2.68 2.74 2.79 2.84 2.94 2.99 3.14 3.21 2.96
Other Interest Income		 1.12 0.99 0.72 0.77 0.74 0.65 0.56 0.48 0.56 1.45
Total Interest Expense		 16 17 16 15 14 13 9.77 6.52 3.31 2.29
Deposits Interest Expense		 14 14 13 12 11 8.18 5.55 3.24 1.95 1.27
Short-Term Borrowings Interest Expense		 0.17 0.25 0.11 0.44 2.35 3.15 2.97 2.26 0.36 0.00
Long-Term Debt Interest Expense		 2.45 2.84 2.82 2.66 1.24 1.24 1.25 1.02 1.00 1.02
Total Non-Interest Income		 3.63 3.69 3.76 3.55 3.48 4.40 3.45 3.31 3.34 3.47
Other Service Charges		 3.25 3.23 3.36 3.19 3.17 3.45 3.17 3.27 3.05 3.15
Net Realized & Unrealized Capital Gains on Investments		 0.10 0.19 0.12 0.09 0.04 0.69 0.02 -0.21 0.03 0.10
Other Non-Interest Income		 0.28 0.28 0.27 0.27 0.27 0.27 0.26 0.25 0.26 0.23
Provision for Credit Losses		 0.87 0.14 1.26 0.14 0.67 0.35 0.51 0.81 1.99 1.70
Total Non-Interest Expense		 22 22 22 21 21 21 21 20 21 21
Salaries and Employee Benefits		 13 13 13 12 11 12 13 12 13 12
Net Occupancy & Equipment Expense		 4.87 5.38 5.16 4.97 4.89 4.91 4.58 4.67 4.56 4.58
Marketing Expense		 0.67 0.38 0.49 0.47 0.76 0.64 0.44 0.31 0.55 0.66
Other Operating Expenses		 3.19 3.11 3.05 2.91 3.18 2.91 2.95 2.08 2.75 2.90
Amortization Expense		 0.32 0.33 0.33 0.35 0.38 0.39 0.39 0.45 0.44 0.45
Income Tax Expense		 2.31 2.24 1.96 2.24 2.11 2.47 2.50 2.83 2.68 2.60
Basic Earnings per Share		 $1.22 $1.19 $1.02 $1.15 $1.18 $1.22 $1.22 $1.40 $1.33 $1.29
Weighted Average Basic Shares Outstanding		 8.10M 8.08M 8.07M 8.13M 8.15M 8.15M 8.20M 8.25M 8.29M 8.28M
Diluted Earnings per Share		 $1.21 $1.18 $1.02 $1.14 $1.17 $1.22 $1.21 $1.39 $1.32 $1.28
Weighted Average Diluted Shares Outstanding		 8.10M 8.08M 8.07M 8.13M 8.15M 8.15M 8.20M 8.25M 8.29M 8.28M
Weighted Average Basic & Diluted Shares Outstanding		 8.10M 8.08M 8.07M 8.13M 8.15M 8.15M 8.20M 8.25M 8.29M 8.28M
Cash Dividends to Common per Share		 $0.26 $0.25 $0.25 $0.25 $0.25 $0.25 $0.25 $0.25 $0.24 $0.23

Annual Cash Flow Statements for Home Bancorp

This table details how cash moves in and out of Home Bancorp's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022
Period end date 12/31/2024 12/31/2023 12/31/2022
Net Change in Cash & Equivalents		 23 -12 -514
Net Cash From Operating Activities		 49 41 51
Net Cash From Continuing Operating Activities		 49 41 51
Net Income / (Loss) Continuing Operations		 36 40 34
Consolidated Net Income / (Loss)		 36 40 34
Provision For Loan Losses		 2.42 2.34 7.49
Depreciation Expense		 3.50 3.57 3.46
Amortization Expense		 3.57 4.28 5.21
Non-Cash Adjustments to Reconcile Net Income		 1.00 0.66 1.62
Changes in Operating Assets and Liabilities, net		 1.82 -9.74 -0.66
Net Cash From Investing Activities		 -107 -94 -495
Net Cash From Continuing Investing Activities		 -107 -94 -495
Purchase of Property, Leasehold Improvements and Equipment		 -4.06 -2.02 -2.71
Purchase of Investment Securities		 -157 -160 -543
Sale of Property, Leasehold Improvements and Equipment		 0.25 0.00 0.08
Sale and/or Maturity of Investments		 53 68 62
Other Investing Activities, net		 0.00 0.00 -11
Net Cash From Financing Activities		 81 41 -70
Net Cash From Continuing Financing Activities		 81 41 -70
Net Change in Deposits		 110 38 -256
Issuance of Debt		 1,073 17,421 209
Issuance of Common Equity		 0.89 0.33 0.32
Repayment of Debt		 -1,090 -17,404 -4.85
Repurchase of Common Equity		 -4.77 -5.26 -11
Payment of Dividends		 -8.19 -8.22 -7.78
Other Financing Activities, Net		 0.13 0.10 0.38
Cash Interest Paid		 62 42 7.74
Cash Income Taxes Paid		 6.52 13 6.54

Quarterly Cash Flow Statements for Home Bancorp

This table details how cash moves in and out of Home Bancorp's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Net Change in Cash & Equivalents		 -37 22 23 15 -8.69 -12 -10 20 -63 -294
Net Cash From Operating Activities		 5.83 18 15 10 10 13 8.28 9.80 15 17
Net Cash From Continuing Operating Activities		 5.83 18 15 10 10 13 8.28 9.80 15 17
Net Income / (Loss) Continuing Operations		 9.67 9.44 8.12 9.20 9.39 9.75 9.78 11 11 10
Consolidated Net Income / (Loss)		 9.67 9.44 8.12 9.20 9.39 9.75 9.78 11 11 10
Provision For Loan Losses		 0.87 0.14 1.26 0.14 0.67 0.35 0.51 0.81 1.99 1.70
Depreciation Expense		 0.82 0.92 0.87 0.89 0.91 0.88 0.88 0.89 0.93 0.90
Amortization Expense		 0.85 0.90 0.89 0.93 1.01 1.04 1.06 1.17 1.26 1.41
Non-Cash Adjustments to Reconcile Net Income		 0.16 -0.31 1.10 0.05 0.39 -0.24 0.37 0.14 0.09 1.41
Changes in Operating Assets and Liabilities, net		 -6.55 6.52 2.73 -0.88 -2.18 1.31 -4.33 -4.54 -0.52 1.15
Net Cash From Investing Activities		 -47 -2.08 -32 -26 1.29 -47 -36 -13 -122 -123
Net Cash From Continuing Investing Activities		 -47 -2.08 -32 -26 1.29 -47 -36 -13 -122 -123
Purchase of Property, Leasehold Improvements and Equipment		 -0.55 -0.64 -1.62 -1.25 -0.50 -0.38 -0.94 -0.20 -0.80 -0.63
Purchase of Investment Securities		 -62 -13 -42 -41 -15 -58 -46 -40 -135 -136
Sale of Property, Leasehold Improvements and Equipment		 0.10 0.15 - 0.01 - - - 0.00 0.01 0.04
Sale and/or Maturity of Investments		 15 11 11 16 17 12 11 28 13 14
Net Cash From Financing Activities		 3.89 6.89 40 30 -20 21 17 23 45 -188
Net Cash From Continuing Financing Activities		 3.89 6.89 40 30 -20 21 17 23 45 -188
Net Change in Deposits		 3.21 55 0.38 52 73 46 -5.90 -75 -105 -182
Issuance of Debt		 142 136 169 625 1,725 2,974 6,461 6,261 155 -1.10
Repayment of Debt		 -140 -181 -124 -645 -1,816 -2,995 -6,432 -6,161 -3.61 -0.50
Repurchase of Common Equity		 -0.09 -1.02 -2.84 -0.83 -0.54 -1.23 -3.15 -0.34 -0.30 -2.61
Payment of Dividends		 -2.10 -2.02 -2.03 -2.04 -2.04 -2.05 -2.06 -2.07 -1.99 -1.91
Other Financing Activities, Net		 -0.16 0.43 -0.14 -0.00 -0.02 0.09 -0.06 0.10 0.19 -0.09
Cash Interest Paid		 16 17 15 14 16 11 9.80 5.49 - -

Annual Balance Sheets for Home Bancorp

This table presents Home Bancorp's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022
Period end date 12/31/2024 12/31/2023 12/31/2022
Total Assets		 3,444 3,320 3,228
Cash and Due from Banks		 99 76 87
Interest Bearing Deposits at Other Banks		 0.00 0.10 0.35
Trading Account Securities		 404 435 488
Loans and Leases, Net of Allowance		 2,685 2,550 2,401
Loans and Leases		 2,718 2,582 2,431
Allowance for Loan and Lease Losses		 33 32 29
Loans Held for Sale		 0.83 0.36 0.10
Premises and Equipment, Net		 42 42 44
Intangible Assets		 85 86 88
Other Assets		 128 130 120
Total Liabilities & Shareholders' Equity		 3,444 3,320 3,228
Total Liabilities		 3,048 2,953 2,898
Non-Interest Bearing Deposits		 733 744 904
Interest Bearing Deposits		 2,048 1,926 1,729
Short-Term Debt		 5.54 5.54 5.54
Other Short-Term Payables		 31 30 29
Long-Term Debt		 230 247 230
Total Equity & Noncontrolling Interests		 396 367 330
Total Preferred & Common Equity		 396 367 330
Preferred Stock		 0.00 0.00 0.00
Total Common Equity		 396 367 330
Common Stock		 168 166 165
Retained Earnings		 259 235 206
Accumulated Other Comprehensive Income / (Loss)		 -30 -31 -39
Other Equity Adjustments		 -1.34 -1.70 -2.05

Quarterly Balance Sheets for Home Bancorp

This table presents Home Bancorp's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2024 Q2 2024 Q1 2024 Q3 2023 Q2 2023 Q1 2023 Q3 2022
Period end date 9/30/2024 6/30/2024 3/31/2024 9/30/2023 6/30/2023 3/31/2023 9/30/2022
Total Assets		 3,442 3,411 3,358 3,318 3,290 3,267 3,168
Cash and Due from Banks		 136 113 90 85 97 107 151
Interest Bearing Deposits at Other Banks		 0.00 0.00 0.00 0.10 0.10 0.35 0.35
Trading Account Securities		 422 414 423 428 450 468 494
Loans and Leases, Net of Allowance		 2,636 2,629 2,590 2,538 2,480 2,436 2,276
Loans and Leases		 2,668 2,661 2,622 2,569 2,511 2,466 2,303
Allowance for Loan and Lease Losses		 32 32 31 31 31 30 27
Loans Held for Sale		 0.24 0.00 0.65 0.47 0.54 0.47 0.17
Premises and Equipment, Net		 43 43 42 42 43 43 44
Intangible Assets		 85 86 86 87 87 88 88
Other Assets		 120 126 125 137 132 2,561 115
Total Liabilities & Shareholders' Equity		 3,442 3,411 3,358 3,318 3,290 3,267 3,168
Total Liabilities		 3,049 3,035 2,985 2,972 2,944 2,922 2,851
Non-Interest Bearing Deposits		 741 747 742 785 817 855 921
Interest Bearing Deposits		 2,037 1,976 1,980 1,812 1,735 1,703 1,817
Short-Term Debt		 141 141 141 5.54 5.54 - 5.54
Other Short-Term Payables		 38 34 29 31 27 - 28
Long-Term Debt		 93 138 93 338 359 336 79
Total Equity & Noncontrolling Interests		 393 376 372 345 346 345 317
Total Preferred & Common Equity		 393 376 372 345 346 345 317
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 393 376 372 345 346 345 317
Common Stock		 167 166 166 165 165 166 164
Retained Earnings		 252 245 241 228 221 215 198
Accumulated Other Comprehensive Income / (Loss)		 -24 -34 -34 -46 -38 -34 -43
Other Equity Adjustments		 -1.43 -1.52 -1.61 -1.79 -1.88 -1.97 -2.14

Annual Metrics And Ratios for Home Bancorp

This table displays calculated financial ratios and metrics derived from Home Bancorp's official financial filings.

Metric 2024 2023 2022
Period end date 12/31/2024 12/31/2023 12/31/2022
Growth Metrics		 - - -
Revenue Growth		 -0.33% 2.60% 12.49%
EBITDA Growth		 -9.91% 13.34% -25.75%
EBIT Growth		 -9.90% 17.99% -29.68%
NOPAT Growth		 -9.48% 18.10% -29.92%
Net Income Growth		 -9.48% 18.10% -29.92%
EPS Growth		 -8.82% 19.95% -27.90%
Operating Cash Flow Growth		 17.83% -19.23% -8.11%
Free Cash Flow Firm Growth		 276.94% 90.57% -794.34%
Invested Capital Growth		 1.89% 9.58% 47.52%
Revenue Q/Q Growth		 1.85% -2.78% 6.84%
EBITDA Q/Q Growth		 0.47% -3.70% 1.77%
EBIT Q/Q Growth		 1.11% -3.77% 1.53%
NOPAT Q/Q Growth		 0.80% -3.34% 1.60%
Net Income Q/Q Growth		 0.80% -3.34% 1.60%
EPS Q/Q Growth		 0.89% -2.92% 2.21%
Operating Cash Flow Q/Q Growth		 -8.20% -9.49% 5.63%
Free Cash Flow Firm Q/Q Growth		 -74.82% 94.32% -1,806.31%
Invested Capital Q/Q Growth		 0.77% -10.01% 41.09%
Profitability Metrics		 - - -
EBITDA Margin		 38.74% 42.86% 38.80%
EBIT Margin		 33.50% 37.06% 32.22%
Profit (Net Income) Margin		 27.01% 29.74% 25.83%
Tax Burden Percent		 80.62% 80.25% 80.17%
Interest Burden Percent		 100.00% 100.00% 100.00%
Effective Tax Rate		 19.38% 19.75% 19.83%
Return on Invested Capital (ROIC)		 5.82% 6.79% 7.18%
ROIC Less NNEP Spread (ROIC-NNEP)		 5.82% 6.79% 7.18%
Return on Net Nonoperating Assets (RNNOA)		 3.72% 4.75% 2.81%
Return on Equity (ROE)		 9.54% 11.54% 9.99%
Cash Return on Invested Capital (CROIC)		 3.95% -2.36% -31.22%
Operating Return on Assets (OROA)		 1.34% 1.53% 1.38%
Return on Assets (ROA)		 1.08% 1.23% 1.11%
Return on Common Equity (ROCE)		 9.54% 11.54% 9.99%
Return on Equity Simple (ROE_SIMPLE)		 9.20% 10.95% 10.33%
Net Operating Profit after Tax (NOPAT)		 36 40 34
NOPAT Margin		 27.01% 29.74% 25.83%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 54.64% 51.82% 51.58%
Operating Expenses to Revenue		 64.71% 61.22% 62.10%
Earnings before Interest and Taxes (EBIT)		 45 50 43
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 52 58 51
Valuation Ratios		 - - -
Price to Book Value (P/BV)		 0.94 0.90 0.95
Price to Tangible Book Value (P/TBV)		 1.19 1.18 1.29
Price to Revenue (P/Rev)		 2.75 2.45 2.37
Price to Earnings (P/E)		 10.19 8.26 9.18
Dividend Yield		 2.20% 2.45% 3.07%
Earnings Yield		 9.81% 12.11% 10.90%
Enterprise Value to Invested Capital (EV/IC)		 0.80 0.82 0.81
Enterprise Value to Revenue (EV/Rev)		 3.77 3.76 3.49
Enterprise Value to EBITDA (EV/EBITDA)		 9.73 8.77 9.00
Enterprise Value to EBIT (EV/EBIT)		 11.25 10.15 10.84
Enterprise Value to NOPAT (EV/NOPAT)		 13.95 12.64 13.52
Enterprise Value to Operating Cash Flow (EV/OCF)		 10.43 12.30 9.00
Enterprise Value to Free Cash Flow (EV/FCFF)		 20.55 0.00 0.00
Leverage & Solvency		 - - -
Debt to Equity		 0.59 0.69 0.71
Long-Term Debt to Equity		 0.58 0.67 0.70
Financial Leverage		 0.64 0.70 0.39
Leverage Ratio		 8.86 9.39 9.04
Compound Leverage Factor		 8.86 9.39 9.04
Debt to Total Capital		 37.29% 40.73% 41.68%
Short-Term Debt to Total Capital		 0.88% 0.89% 0.98%
Long-Term Debt to Total Capital		 36.41% 39.84% 40.70%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00%
Common Equity to Total Capital		 62.71% 59.27% 58.33%
Debt to EBITDA		 4.51 4.35 4.61
Net Debt to EBITDA		 2.62 3.04 2.89
Long-Term Debt to EBITDA		 4.40 4.26 4.50
Debt to NOPAT		 6.47 6.27 6.92
Net Debt to NOPAT		 3.76 4.39 4.34
Long-Term Debt to NOPAT		 6.31 6.14 6.76
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00%
Liquidity Ratios		 - - -
Cash Flow Metrics		 - - -
Free Cash Flow to Firm (FCFF)		 25 -14 -148
Operating Cash Flow to CapEx		 1,279.36% 2,049.36% 1,951.18%
Free Cash Flow to Firm to Interest Expense		 0.38 -0.33 -18.72
Operating Cash Flow to Interest Expense		 0.76 0.96 6.47
Operating Cash Flow Less CapEx to Interest Expense		 0.70 0.92 6.14
Efficiency Ratios		 - - -
Asset Turnover		 0.04 0.04 0.04
Fixed Asset Turnover		 3.20 3.16 3.03
Capital & Investment Metrics		 - - -
Invested Capital		 632 620 566
Invested Capital Turnover		 0.22 0.23 0.28
Increase / (Decrease) in Invested Capital		 12 54 182
Enterprise Value (EV)		 508 509 461
Market Capitalization		 371 332 313
Book Value per Share		 $49.04 $45.10 $39.84
Tangible Book Value per Share		 $38.51 $34.50 $29.22
Total Capital		 632 620 566
Total Debt		 236 252 236
Total Long-Term Debt		 230 247 230
Net Debt		 137 177 148
Capital Expenditures (CapEx)		 3.81 2.02 2.62
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 236 252 236
Total Depreciation and Amortization (D&A)		 7.07 7.86 8.67
Earnings Adjustments		 - - -
Adjusted Basic Earnings per Share		 $4.58 $5.02 $4.19
Adjusted Weighted Average Basic Shares Outstanding		 8.10M 8.15M 8.29M
Adjusted Diluted Earnings per Share		 $4.55 $4.99 $4.16
Adjusted Weighted Average Diluted Shares Outstanding		 8.10M 8.15M 8.29M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 8.10M 8.15M 8.29M
Normalized Net Operating Profit after Tax (NOPAT)		 36 40 34
Normalized NOPAT Margin		 27.01% 29.74% 25.83%
Pre Tax Income Margin		 33.50% 37.06% 32.22%
Debt Service Ratios		 - - -
EBIT to Interest Expense		 0.70 1.17 5.37
NOPAT to Interest Expense		 0.56 0.94 4.30
EBIT Less CapEx to Interest Expense		 0.64 1.12 5.04
NOPAT Less CapEx to Interest Expense		 0.51 0.89 3.97
Payout Ratios		 - - -
Dividend Payout Ratio		 22.48% 20.43% 22.83%
Augmented Payout Ratio		 35.59% 33.50% 56.09%

Quarterly Metrics And Ratios for Home Bancorp

This table displays calculated financial ratios and metrics derived from Home Bancorp's official financial filings.

Metric Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Growth Metrics		 - - - - - - - - - -
Revenue Growth		 7.49% 0.49% -1.80% -7.04% -10.55% -4.35% 2.51% 29.78% 29.95% 9.02%
EBITDA Growth		 1.83% -4.58% -16.78% -18.24% -14.24% -7.85% 10.50% 121.74% 6.03% -25.06%
EBIT Growth		 4.32% -4.44% -17.95% -19.16% -14.61% -6.24% 16.20% 160.05% 5.01% -29.45%
NOPAT Growth		 3.07% -3.25% -17.00% -18.74% -12.91% -6.52% 15.60% 157.21% 5.25% -30.71%
Net Income Growth		 3.07% -3.25% -17.00% -18.74% -12.91% -6.52% 15.60% 157.21% 5.25% -30.71%
EPS Growth		 3.42% -3.28% -15.70% -17.99% -11.36% -4.69% 17.48% 162.26% 7.32% -28.49%
Operating Cash Flow Growth		 -42.75% 34.49% 80.88% 5.32% -29.86% -22.99% -54.40% 541.91% 23.16% 39.67%
Free Cash Flow Firm Growth		 95.49% 125.71% 122.61% 128.17% 73.85% -1,829.40% -731.09% -14,545.53% -905.90% -34.10%
Invested Capital Growth		 1.89% -9.01% -8.00% -11.11% 9.58% 71.80% 71.80% 84.82% 47.52% 6.61%
Revenue Q/Q Growth		 3.35% 2.79% 2.15% -0.95% -3.39% 0.46% -3.30% -4.69% 3.31% 7.67%
EBITDA Q/Q Growth		 1.26% 13.93% -10.71% -1.13% -5.12% -0.64% -12.28% 3.70% 1.96% 19.14%
EBIT Q/Q Growth		 2.66% 15.84% -11.90% -0.44% -5.96% -0.53% -13.20% 5.16% 3.26% 23.28%
NOPAT Q/Q Growth		 2.50% 16.25% -11.75% -1.98% -3.78% -0.28% -13.60% 5.05% 3.28% 23.32%
Net Income Q/Q Growth		 2.50% 16.25% -11.75% -1.98% -3.78% -0.28% -13.60% 5.05% 3.28% 23.32%
EPS Q/Q Growth		 2.54% 15.69% -10.53% -2.56% -4.10% 0.83% -12.95% 5.30% 3.13% 24.27%
Operating Cash Flow Q/Q Growth		 -66.87% 17.61% 45.02% 1.34% -22.18% 58.18% -15.57% -32.51% -14.56% -6.34%
Free Cash Flow Firm Q/Q Growth		 -102.83% 10.06% -23.47% 289.40% 83.88% 3.22% 4.64% -75.79% -1,089.26% 58.31%
Invested Capital Q/Q Growth		 0.77% -4.19% 8.01% -2.29% -10.01% -3.12% 4.35% 20.46% 41.09% -3.12%
Profitability Metrics		 - - - - - - - - - -
EBITDA Margin		 38.79% 39.59% 35.72% 40.87% 40.95% 41.70% 42.16% 46.47% 42.71% 43.28%
EBIT Margin		 34.04% 34.27% 30.41% 35.26% 35.08% 36.04% 36.39% 40.54% 36.74% 36.76%
Profit (Net Income) Margin		 27.47% 27.70% 24.49% 28.35% 28.65% 28.77% 28.98% 32.43% 29.42% 29.43%
Tax Burden Percent		 80.70% 80.82% 80.54% 80.40% 81.67% 79.83% 79.62% 79.99% 80.08% 80.06%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 19.30% 19.18% 19.46% 19.60% 18.33% 20.17% 20.38% 20.01% 19.92% 19.94%
Return on Invested Capital (ROIC)		 5.92% 5.58% 4.75% 5.85% 6.54% 7.35% 7.25% 8.64% 8.18% 9.35%
ROIC Less NNEP Spread (ROIC-NNEP)		 5.92% 5.58% 4.75% 5.85% 6.54% 7.35% 7.25% 8.64% 8.18% 9.35%
Return on Net Nonoperating Assets (RNNOA)		 3.78% 4.35% 4.23% 4.65% 4.58% 4.75% 4.83% 4.65% 3.21% 1.65%
Return on Equity (ROE)		 9.71% 9.93% 8.97% 10.50% 11.12% 12.10% 12.08% 13.29% 11.38% 11.00%
Cash Return on Invested Capital (CROIC)		 3.95% 14.93% 13.67% 17.69% -2.36% -45.20% -45.31% -51.75% -31.22% 2.23%
Operating Return on Assets (OROA)		 1.36% 1.34% 1.20% 1.41% 1.45% 1.55% 1.54% 1.72% 1.57% 1.53%
Return on Assets (ROA)		 1.10% 1.09% 0.97% 1.14% 1.18% 1.23% 1.23% 1.38% 1.26% 1.23%
Return on Common Equity (ROCE)		 9.71% 9.93% 8.97% 10.50% 11.12% 12.10% 12.08% 13.29% 11.38% 11.00%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 9.19% 9.70% 10.24% 0.00% 12.06% 12.22% 11.88% 0.00% 10.59%
Net Operating Profit after Tax (NOPAT)		 9.67 9.44 8.12 9.20 9.39 9.75 9.78 11 11 10
NOPAT Margin		 27.47% 27.70% 24.49% 28.35% 28.65% 28.77% 28.98% 32.43% 29.42% 29.43%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 53.53% 55.23% 55.60% 54.25% 52.05% 53.19% 52.21% 49.90% 49.11% 48.99%
Operating Expenses to Revenue		 63.48% 65.32% 65.79% 64.31% 62.89% 62.93% 62.09% 57.12% 57.83% 58.46%
Earnings before Interest and Taxes (EBIT)		 12 12 10 11 11 12 12 14 13 13
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 14 13 12 13 13 14 14 16 16 15
Valuation Ratios		 - - - - - - - - - -
Price to Book Value (P/BV)		 0.94 0.91 0.86 0.83 0.90 0.73 0.77 0.76 0.95 0.97
Price to Tangible Book Value (P/TBV)		 1.19 1.16 1.11 1.08 1.18 0.98 1.02 1.02 1.29 1.34
Price to Revenue (P/Rev)		 2.75 2.70 2.45 2.32 2.45 1.82 1.88 1.88 2.37 2.49
Price to Earnings (P/E)		 10.19 9.90 8.87 8.09 8.26 6.08 6.26 6.41 9.18 9.16
Dividend Yield		 2.20% 2.26% 2.51% 2.64% 2.45% 3.95% 3.74% 3.00% 3.07% 2.49%
Earnings Yield		 9.81% 10.10% 11.27% 12.36% 12.11% 16.46% 15.96% 15.60% 10.90% 10.92%
Enterprise Value to Invested Capital (EV/IC)		 0.80 0.73 0.75 0.75 0.82 0.74 0.75 0.72 0.81 0.60
Enterprise Value to Revenue (EV/Rev)		 3.77 3.44 3.69 3.40 3.76 3.68 3.79 3.51 3.49 1.95
Enterprise Value to EBITDA (EV/EBITDA)		 9.73 8.75 9.27 8.20 8.77 8.50 8.68 8.18 9.00 4.78
Enterprise Value to EBIT (EV/EBIT)		 11.25 10.19 10.80 9.51 10.15 9.82 10.07 9.60 10.84 5.75
Enterprise Value to NOPAT (EV/NOPAT)		 13.95 12.59 13.40 11.84 12.64 12.30 12.60 11.99 13.52 7.17
Enterprise Value to Operating Cash Flow (EV/OCF)		 10.43 8.57 10.05 10.78 12.30 11.20 10.75 8.27 9.00 4.96
Enterprise Value to Free Cash Flow (EV/FCFF)		 20.55 4.63 5.23 3.96 0.00 0.00 0.00 0.00 0.00 27.70
Leverage & Solvency		 - - - - - - - - - -
Debt to Equity		 0.59 0.59 0.74 0.63 0.69 0.99 1.05 0.97 0.71 0.27
Long-Term Debt to Equity		 0.58 0.24 0.37 0.25 0.67 0.98 1.04 0.97 0.70 0.25
Financial Leverage		 0.64 0.78 0.89 0.79 0.70 0.65 0.67 0.54 0.39 0.18
Leverage Ratio		 8.86 9.15 9.28 9.23 9.39 9.80 9.85 9.67 9.04 8.98
Compound Leverage Factor		 8.86 9.15 9.28 9.23 9.39 9.80 9.85 9.67 9.04 8.98
Debt to Total Capital		 37.29% 37.23% 42.55% 38.54% 40.73% 49.87% 51.33% 49.36% 41.68% 21.03%
Short-Term Debt to Total Capital		 0.88% 22.42% 21.48% 23.20% 0.89% 0.80% 0.78% 0.00% 0.98% 1.38%
Long-Term Debt to Total Capital		 36.41% 14.81% 21.07% 15.34% 39.84% 49.07% 50.55% 49.36% 40.70% 19.65%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 62.71% 62.77% 57.45% 61.46% 59.27% 50.13% 48.67% 50.64% 58.33% 78.97%
Debt to EBITDA		 4.51 4.49 5.29 4.24 4.35 5.70 5.94 5.60 4.61 1.68
Net Debt to EBITDA		 2.62 1.87 3.13 2.60 3.04 4.30 4.36 3.81 2.89 -1.32
Long-Term Debt to EBITDA		 4.40 1.78 2.62 1.69 4.26 5.61 5.85 5.60 4.50 1.57
Debt to NOPAT		 6.47 6.46 7.64 6.12 6.27 8.25 8.63 8.21 6.92 2.51
Net Debt to NOPAT		 3.76 2.70 4.52 3.75 4.39 6.22 6.33 5.58 4.34 -1.99
Long-Term Debt to NOPAT		 6.31 2.57 3.78 2.44 6.14 8.12 8.50 8.21 6.76 2.35
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -2.02 72 65 85 -45 -278 -287 -301 -171 -14
Operating Cash Flow to CapEx		 1,293.13% 3,542.45% 924.64% 831.16% 2,049.70% 3,426.96% 876.69% 5,026.67% 1,831.53% 2,886.08%
Free Cash Flow to Firm to Interest Expense		 -0.12 4.21 4.04 5.58 -3.18 -22.13 -29.43 -46.23 -51.81 -6.30
Operating Cash Flow to Interest Expense		 0.36 1.04 0.93 0.68 0.72 1.04 0.85 1.50 4.39 7.43
Operating Cash Flow Less CapEx to Interest Expense		 0.33 1.01 0.83 0.60 0.69 1.01 0.75 1.47 4.15 7.18
Efficiency Ratios		 - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04
Fixed Asset Turnover		 3.20 3.11 3.08 3.12 3.16 3.23 3.24 3.22 3.03 2.81
Capital & Investment Metrics		 - - - - - - - - - -
Invested Capital		 632 627 654 606 620 689 711 681 566 401
Invested Capital Turnover		 0.22 0.20 0.19 0.21 0.23 0.26 0.25 0.27 0.28 0.32
Increase / (Decrease) in Invested Capital		 12 -62 -57 -76 54 288 297 313 182 25
Enterprise Value (EV)		 508 455 488 451 509 512 533 492 461 241
Market Capitalization		 371 358 323 308 332 253 265 263 313 307
Book Value per Share		 $49.04 $48.76 $46.24 $45.68 $45.10 $42.14 $41.95 $41.63 $39.84 $38.11
Tangible Book Value per Share		 $38.51 $38.18 $35.69 $35.13 $34.50 $31.55 $31.39 $31.07 $29.22 $27.54
Total Capital		 632 627 654 606 620 689 711 681 566 401
Total Debt		 236 233 278 233 252 344 365 336 236 84
Total Long-Term Debt		 230 93 138 93 247 338 359 336 230 79
Net Debt		 137 97 165 143 177 259 268 229 148 -67
Capital Expenditures (CapEx)		 0.45 0.50 1.62 1.24 0.50 0.38 0.94 0.20 0.79 0.59
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 236 233 278 233 252 344 365 336 236 84
Total Depreciation and Amortization (D&A)		 1.67 1.81 1.76 1.82 1.92 1.92 1.95 2.07 2.19 2.31
Earnings Adjustments		 - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.22 $1.19 $1.02 $1.15 $1.18 $1.22 $1.22 $1.40 $1.33 $1.29
Adjusted Weighted Average Basic Shares Outstanding		 8.10M 8.08M 8.07M 8.13M 8.15M 8.15M 8.20M 8.25M 8.29M 8.28M
Adjusted Diluted Earnings per Share		 $1.21 $1.18 $1.02 $1.14 $1.17 $1.22 $1.21 $1.39 $1.32 $1.28
Adjusted Weighted Average Diluted Shares Outstanding		 8.10M 8.08M 8.07M 8.13M 8.15M 8.15M 8.20M 8.25M 8.29M 8.28M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 8.10M 8.08M 8.07M 8.13M 8.15M 8.15M 8.20M 8.25M 8.29M 8.28M
Normalized Net Operating Profit after Tax (NOPAT)		 9.67 9.44 8.12 9.20 9.39 9.75 9.78 11 11 10
Normalized NOPAT Margin		 27.47% 27.70% 24.49% 28.35% 28.65% 28.77% 28.98% 32.43% 29.42% 29.43%
Pre Tax Income Margin		 34.04% 34.27% 30.41% 35.26% 35.08% 36.04% 36.39% 40.54% 36.74% 36.76%
Debt Service Ratios		 - - - - - - - - - -
EBIT to Interest Expense		 0.74 0.69 0.63 0.75 0.81 0.97 1.26 2.17 4.07 5.70
NOPAT to Interest Expense		 0.60 0.56 0.51 0.60 0.66 0.78 1.00 1.74 3.26 4.56
EBIT Less CapEx to Interest Expense		 0.71 0.66 0.53 0.67 0.78 0.94 1.16 2.14 3.83 5.44
NOPAT Less CapEx to Interest Expense		 0.57 0.53 0.40 0.52 0.63 0.75 0.91 1.71 3.02 4.30
Payout Ratios		 - - - - - - - - - -
Dividend Payout Ratio		 22.48% 22.49% 22.38% 21.48% 20.43% 19.63% 18.99% 19.24% 22.83% 23.11%
Augmented Payout Ratio		 35.59% 36.95% 37.31% 36.56% 33.50% 31.68% 34.10% 39.77% 56.09% 56.32%

Frequently Asked Questions About Home Bancorp's Financials

When does Home Bancorp's financial year end?

According to the most recent income statement we have on file, Home Bancorp's fiscal year ends in December. Their fiscal year 2024 ended on December 31, 2024.

How has Home Bancorp's net income changed over the last 2 years?

Home Bancorp's net income appears to be on an upward trend, with a most recent value of $36.43 million in 2024, rising from $34.07 million in 2022. The previous period was $40.24 million in 2023. Find out what analysts predict for Home Bancorp in the coming months.

How has Home Bancorp revenue changed over the last 2 years?

Over the last 2 years, Home Bancorp's total revenue changed from $131.90 million in 2022 to $134.89 million in 2024, a change of 2.3%.

How much debt does Home Bancorp have?

Home Bancorp's total liabilities were at $3.05 billion at the end of 2024, a 3.2% increase from 2023, and a 5.1% increase since 2022.

How much cash does Home Bancorp have?

In the past 2 years, Home Bancorp's cash and equivalents has ranged from $75.83 million in 2023 to $98.55 million in 2024, and is currently $98.55 million as of their latest financial filing in 2024.

How has Home Bancorp's book value per share changed over the last 2 years?

Over the last 2 years, Home Bancorp's book value per share changed from 39.84 in 2022 to 49.04 in 2024, a change of 23.1%.


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This page (NASDAQ:HBCP) was last updated on 5/22/2025 by MarketBeat.com Staff
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