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.
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 |
|
Q3 2022 |
Q4 2022 |
Q1 2023 |
Q2 2023 |
Q3 2023 |
Q4 2023 |
Q1 2024 |
Q2 2024 |
Q3 2024 |
Q4 2024 |
Net Income / (Loss) Attributable to Common Shareholders |
|
10 |
11 |
11 |
9.78 |
9.75 |
9.39 |
9.20 |
8.12 |
9.44 |
9.67 |
Consolidated Net Income / (Loss) |
|
10 |
11 |
11 |
9.78 |
9.75 |
9.39 |
9.20 |
8.12 |
9.44 |
9.67 |
Net Income / (Loss) Continuing Operations |
|
10 |
11 |
11 |
9.78 |
9.75 |
9.39 |
9.20 |
8.12 |
9.44 |
9.67 |
Total Pre-Tax Income |
|
13 |
13 |
14 |
12 |
12 |
11 |
11 |
10 |
12 |
12 |
Total Revenue |
|
35 |
37 |
35 |
34 |
34 |
33 |
32 |
33 |
34 |
35 |
Net Interest Income / (Expense) |
|
32 |
33 |
32 |
30 |
30 |
29 |
29 |
29 |
30 |
32 |
Total Interest Income |
|
34 |
37 |
38 |
40 |
42 |
43 |
44 |
45 |
47 |
48 |
Loans and Leases Interest Income |
|
30 |
33 |
34 |
37 |
38 |
40 |
41 |
42 |
44 |
44 |
Investment Securities Interest Income |
|
2.96 |
3.21 |
3.14 |
2.99 |
2.94 |
2.84 |
2.79 |
2.74 |
2.68 |
2.70 |
Other Interest Income |
|
1.45 |
0.56 |
0.48 |
0.56 |
0.65 |
0.74 |
0.77 |
0.72 |
0.99 |
1.12 |
Total Interest Expense |
|
2.29 |
3.31 |
6.52 |
9.77 |
13 |
14 |
15 |
16 |
17 |
16 |
Deposits Interest Expense |
|
1.27 |
1.95 |
3.24 |
5.55 |
8.18 |
11 |
12 |
13 |
14 |
14 |
Short-Term Borrowings Interest Expense |
|
0.00 |
0.36 |
2.26 |
2.97 |
3.15 |
2.35 |
0.44 |
0.11 |
0.25 |
0.17 |
Long-Term Debt Interest Expense |
|
1.02 |
1.00 |
1.02 |
1.25 |
1.24 |
1.24 |
2.66 |
2.82 |
2.84 |
2.45 |
Total Non-Interest Income |
|
3.47 |
3.34 |
3.31 |
3.45 |
4.40 |
3.48 |
3.55 |
3.76 |
3.69 |
3.63 |
Other Service Charges |
|
3.15 |
3.05 |
3.27 |
3.17 |
3.45 |
3.17 |
3.19 |
3.36 |
3.23 |
3.25 |
Net Realized & Unrealized Capital Gains on Investments |
|
0.10 |
0.03 |
-0.21 |
0.02 |
0.69 |
0.04 |
0.09 |
0.12 |
0.19 |
0.10 |
Other Non-Interest Income |
|
0.23 |
0.26 |
0.25 |
0.26 |
0.27 |
0.27 |
0.27 |
0.27 |
0.28 |
0.28 |
Provision for Credit Losses |
|
1.70 |
1.99 |
0.81 |
0.51 |
0.35 |
0.67 |
0.14 |
1.26 |
0.14 |
0.87 |
Total Non-Interest Expense |
|
21 |
21 |
20 |
21 |
21 |
21 |
21 |
22 |
22 |
22 |
Salaries and Employee Benefits |
|
12 |
13 |
12 |
13 |
12 |
11 |
12 |
13 |
13 |
13 |
Net Occupancy & Equipment Expense |
|
4.58 |
4.56 |
4.67 |
4.58 |
4.91 |
4.89 |
4.97 |
5.16 |
5.38 |
4.87 |
Marketing Expense |
|
0.66 |
0.55 |
0.31 |
0.44 |
0.64 |
0.76 |
0.47 |
0.49 |
0.38 |
0.67 |
Other Operating Expenses |
|
2.90 |
2.75 |
2.08 |
2.95 |
2.91 |
3.18 |
2.91 |
3.05 |
3.11 |
3.19 |
Amortization Expense |
|
0.45 |
0.44 |
0.45 |
0.39 |
0.39 |
0.38 |
0.35 |
0.33 |
0.33 |
0.32 |
Income Tax Expense |
|
2.60 |
2.68 |
2.83 |
2.50 |
2.47 |
2.11 |
2.24 |
1.96 |
2.24 |
2.31 |
Basic Earnings per Share |
|
$1.29 |
$1.33 |
$1.40 |
$1.22 |
$1.22 |
$1.18 |
$1.15 |
$1.02 |
$1.19 |
$1.22 |
Weighted Average Basic Shares Outstanding |
|
8.28M |
8.29M |
8.25M |
8.20M |
8.15M |
8.15M |
8.13M |
8.07M |
8.08M |
8.10M |
Diluted Earnings per Share |
|
$1.28 |
$1.32 |
$1.39 |
$1.21 |
$1.22 |
$1.17 |
$1.14 |
$1.02 |
$1.18 |
$1.21 |
Weighted Average Diluted Shares Outstanding |
|
8.28M |
8.29M |
8.25M |
8.20M |
8.15M |
8.15M |
8.13M |
8.07M |
8.08M |
8.10M |
Weighted Average Basic & Diluted Shares Outstanding |
|
8.28M |
8.29M |
8.25M |
8.20M |
8.15M |
8.15M |
8.13M |
8.07M |
8.08M |
8.10M |
Cash Dividends to Common per Share |
|
$0.23 |
$0.24 |
$0.25 |
$0.25 |
$0.25 |
$0.25 |
$0.25 |
$0.25 |
$0.25 |
$0.26 |
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 |
2022 |
2023 |
2024 |
Net Change in Cash & Equivalents |
-514 |
-12 |
23 |
Net Cash From Operating Activities |
51 |
41 |
49 |
Net Cash From Continuing Operating Activities |
51 |
41 |
49 |
Net Income / (Loss) Continuing Operations |
34 |
40 |
36 |
Consolidated Net Income / (Loss) |
34 |
40 |
36 |
Provision For Loan Losses |
7.49 |
2.34 |
2.42 |
Depreciation Expense |
3.46 |
3.57 |
3.50 |
Amortization Expense |
5.21 |
4.28 |
3.57 |
Non-Cash Adjustments to Reconcile Net Income |
1.62 |
0.66 |
1.00 |
Changes in Operating Assets and Liabilities, net |
-0.66 |
-9.74 |
1.82 |
Net Cash From Investing Activities |
-495 |
-94 |
-107 |
Net Cash From Continuing Investing Activities |
-495 |
-94 |
-107 |
Purchase of Property, Leasehold Improvements and Equipment |
-2.71 |
-2.02 |
-4.06 |
Purchase of Investment Securities |
-543 |
-160 |
-157 |
Sale of Property, Leasehold Improvements and Equipment |
0.08 |
0.00 |
0.25 |
Sale and/or Maturity of Investments |
62 |
68 |
53 |
Other Investing Activities, net |
-11 |
0.00 |
0.00 |
Net Cash From Financing Activities |
-70 |
41 |
81 |
Net Cash From Continuing Financing Activities |
-70 |
41 |
81 |
Net Change in Deposits |
-256 |
38 |
110 |
Issuance of Debt |
209 |
17,421 |
1,073 |
Issuance of Common Equity |
0.32 |
0.33 |
0.89 |
Repayment of Debt |
-4.85 |
-17,404 |
-1,090 |
Repurchase of Common Equity |
-11 |
-5.26 |
-4.77 |
Payment of Dividends |
-7.78 |
-8.22 |
-8.19 |
Other Financing Activities, Net |
0.38 |
0.10 |
0.13 |
Cash Interest Paid |
7.74 |
42 |
62 |
Cash Income Taxes Paid |
6.54 |
13 |
6.52 |
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 |
|
Q3 2022 |
Q4 2022 |
Q1 2023 |
Q2 2023 |
Q3 2023 |
Q4 2023 |
Q1 2024 |
Q2 2024 |
Q3 2024 |
Q4 2024 |
Net Change in Cash & Equivalents |
|
-294 |
-63 |
20 |
-10 |
-12 |
-8.69 |
15 |
23 |
22 |
-37 |
Net Cash From Operating Activities |
|
17 |
15 |
9.80 |
8.28 |
13 |
10 |
10 |
15 |
18 |
5.83 |
Net Cash From Continuing Operating Activities |
|
17 |
15 |
9.80 |
8.28 |
13 |
10 |
10 |
15 |
18 |
5.83 |
Net Income / (Loss) Continuing Operations |
|
10 |
11 |
11 |
9.78 |
9.75 |
9.39 |
9.20 |
8.12 |
9.44 |
9.67 |
Consolidated Net Income / (Loss) |
|
10 |
11 |
11 |
9.78 |
9.75 |
9.39 |
9.20 |
8.12 |
9.44 |
9.67 |
Provision For Loan Losses |
|
1.70 |
1.99 |
0.81 |
0.51 |
0.35 |
0.67 |
0.14 |
1.26 |
0.14 |
0.87 |
Depreciation Expense |
|
0.90 |
0.93 |
0.89 |
0.88 |
0.88 |
0.91 |
0.89 |
0.87 |
0.92 |
0.82 |
Amortization Expense |
|
1.41 |
1.26 |
1.17 |
1.06 |
1.04 |
1.01 |
0.93 |
0.89 |
0.90 |
0.85 |
Non-Cash Adjustments to Reconcile Net Income |
|
1.41 |
0.09 |
0.14 |
0.37 |
-0.24 |
0.39 |
0.05 |
1.10 |
-0.31 |
0.16 |
Changes in Operating Assets and Liabilities, net |
|
1.15 |
-0.52 |
-4.54 |
-4.33 |
1.31 |
-2.18 |
-0.88 |
2.73 |
6.52 |
-6.55 |
Net Cash From Investing Activities |
|
-123 |
-122 |
-13 |
-36 |
-47 |
1.29 |
-26 |
-32 |
-2.08 |
-47 |
Net Cash From Continuing Investing Activities |
|
-123 |
-122 |
-13 |
-36 |
-47 |
1.29 |
-26 |
-32 |
-2.08 |
-47 |
Purchase of Property, Leasehold Improvements and Equipment |
|
-0.63 |
-0.80 |
-0.20 |
-0.94 |
-0.38 |
-0.50 |
-1.25 |
-1.62 |
-0.64 |
-0.55 |
Purchase of Investment Securities |
|
-136 |
-135 |
-40 |
-46 |
-58 |
-15 |
-41 |
-42 |
-13 |
-62 |
Sale of Property, Leasehold Improvements and Equipment |
|
0.04 |
0.01 |
0.00 |
- |
- |
- |
0.01 |
- |
0.15 |
0.10 |
Sale and/or Maturity of Investments |
|
14 |
13 |
28 |
11 |
12 |
17 |
16 |
11 |
11 |
15 |
Net Cash From Financing Activities |
|
-188 |
45 |
23 |
17 |
21 |
-20 |
30 |
40 |
6.89 |
3.89 |
Net Cash From Continuing Financing Activities |
|
-188 |
45 |
23 |
17 |
21 |
-20 |
30 |
40 |
6.89 |
3.89 |
Net Change in Deposits |
|
-182 |
-105 |
-75 |
-5.90 |
46 |
73 |
52 |
0.38 |
55 |
3.21 |
Issuance of Debt |
|
-1.10 |
155 |
6,261 |
6,461 |
2,974 |
1,725 |
625 |
169 |
136 |
142 |
Repayment of Debt |
|
-0.50 |
-3.61 |
-6,161 |
-6,432 |
-2,995 |
-1,816 |
-645 |
-124 |
-181 |
-140 |
Repurchase of Common Equity |
|
-2.61 |
-0.30 |
-0.34 |
-3.15 |
-1.23 |
-0.54 |
-0.83 |
-2.84 |
-1.02 |
-0.09 |
Payment of Dividends |
|
-1.91 |
-1.99 |
-2.07 |
-2.06 |
-2.05 |
-2.04 |
-2.04 |
-2.03 |
-2.02 |
-2.10 |
Other Financing Activities, Net |
|
-0.09 |
0.19 |
0.10 |
-0.06 |
0.09 |
-0.02 |
-0.00 |
-0.14 |
0.43 |
-0.16 |
Cash Interest Paid |
|
- |
- |
5.49 |
9.80 |
11 |
16 |
14 |
15 |
17 |
16 |
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 |
2022 |
2023 |
2024 |
Total Assets |
3,228 |
3,320 |
3,444 |
Cash and Due from Banks |
87 |
76 |
99 |
Interest Bearing Deposits at Other Banks |
0.35 |
0.10 |
0.00 |
Trading Account Securities |
488 |
435 |
404 |
Loans and Leases, Net of Allowance |
2,401 |
2,550 |
2,685 |
Loans and Leases |
2,431 |
2,582 |
2,718 |
Allowance for Loan and Lease Losses |
29 |
32 |
33 |
Loans Held for Sale |
0.10 |
0.36 |
0.83 |
Premises and Equipment, Net |
44 |
42 |
42 |
Intangible Assets |
88 |
86 |
85 |
Other Assets |
120 |
130 |
128 |
Total Liabilities & Shareholders' Equity |
3,228 |
3,320 |
3,444 |
Total Liabilities |
2,898 |
2,953 |
3,048 |
Non-Interest Bearing Deposits |
904 |
744 |
733 |
Interest Bearing Deposits |
1,729 |
1,926 |
2,048 |
Short-Term Debt |
5.54 |
5.54 |
5.54 |
Other Short-Term Payables |
29 |
30 |
31 |
Long-Term Debt |
230 |
247 |
230 |
Total Equity & Noncontrolling Interests |
330 |
367 |
396 |
Total Preferred & Common Equity |
330 |
367 |
396 |
Preferred Stock |
0.00 |
0.00 |
0.00 |
Total Common Equity |
330 |
367 |
396 |
Common Stock |
165 |
166 |
168 |
Retained Earnings |
206 |
235 |
259 |
Accumulated Other Comprehensive Income / (Loss) |
-39 |
-31 |
-30 |
Other Equity Adjustments |
-2.05 |
-1.70 |
-1.34 |
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 2022 |
Q1 2023 |
Q2 2023 |
Q3 2023 |
Q1 2024 |
Q2 2024 |
Q3 2024 |
Total Assets |
|
3,168 |
3,267 |
3,290 |
3,318 |
3,358 |
3,411 |
3,442 |
Cash and Due from Banks |
|
151 |
107 |
97 |
85 |
90 |
113 |
136 |
Interest Bearing Deposits at Other Banks |
|
0.35 |
0.35 |
0.10 |
0.10 |
0.00 |
0.00 |
0.00 |
Trading Account Securities |
|
494 |
468 |
450 |
428 |
423 |
414 |
422 |
Loans and Leases, Net of Allowance |
|
2,276 |
2,436 |
2,480 |
2,538 |
2,590 |
2,629 |
2,636 |
Loans and Leases |
|
2,303 |
2,466 |
2,511 |
2,569 |
2,622 |
2,661 |
2,668 |
Allowance for Loan and Lease Losses |
|
27 |
30 |
31 |
31 |
31 |
32 |
32 |
Loans Held for Sale |
|
0.17 |
0.47 |
0.54 |
0.47 |
0.65 |
0.00 |
0.24 |
Premises and Equipment, Net |
|
44 |
43 |
43 |
42 |
42 |
43 |
43 |
Intangible Assets |
|
88 |
88 |
87 |
87 |
86 |
86 |
85 |
Other Assets |
|
115 |
2,561 |
132 |
137 |
125 |
126 |
120 |
Total Liabilities & Shareholders' Equity |
|
3,168 |
3,267 |
3,290 |
3,318 |
3,358 |
3,411 |
3,442 |
Total Liabilities |
|
2,851 |
2,922 |
2,944 |
2,972 |
2,985 |
3,035 |
3,049 |
Non-Interest Bearing Deposits |
|
921 |
855 |
817 |
785 |
742 |
747 |
741 |
Interest Bearing Deposits |
|
1,817 |
1,703 |
1,735 |
1,812 |
1,980 |
1,976 |
2,037 |
Short-Term Debt |
|
5.54 |
- |
5.54 |
5.54 |
141 |
141 |
141 |
Other Short-Term Payables |
|
28 |
- |
27 |
31 |
29 |
34 |
38 |
Long-Term Debt |
|
79 |
336 |
359 |
338 |
93 |
138 |
93 |
Total Equity & Noncontrolling Interests |
|
317 |
345 |
346 |
345 |
372 |
376 |
393 |
Total Preferred & Common Equity |
|
317 |
345 |
346 |
345 |
372 |
376 |
393 |
Preferred Stock |
|
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
Total Common Equity |
|
317 |
345 |
346 |
345 |
372 |
376 |
393 |
Common Stock |
|
164 |
166 |
165 |
165 |
166 |
166 |
167 |
Retained Earnings |
|
198 |
215 |
221 |
228 |
241 |
245 |
252 |
Accumulated Other Comprehensive Income / (Loss) |
|
-43 |
-34 |
-38 |
-46 |
-34 |
-34 |
-24 |
Other Equity Adjustments |
|
-2.14 |
-1.97 |
-1.88 |
-1.79 |
-1.61 |
-1.52 |
-1.43 |
Annual Metrics And Ratios for Home Bancorp
This table displays calculated financial ratios and metrics derived from Home Bancorp's official financial filings.
Metric |
2022 |
2023 |
2024 |
Growth Metrics |
- |
- |
- |
Revenue Growth |
12.49% |
2.60% |
-0.33% |
EBITDA Growth |
-25.75% |
13.34% |
-9.91% |
EBIT Growth |
-29.68% |
17.99% |
-9.90% |
NOPAT Growth |
-29.92% |
18.10% |
-9.48% |
Net Income Growth |
-29.92% |
18.10% |
-9.48% |
EPS Growth |
-27.90% |
19.95% |
-8.82% |
Operating Cash Flow Growth |
-8.11% |
-19.23% |
17.83% |
Free Cash Flow Firm Growth |
-794.34% |
90.57% |
276.94% |
Invested Capital Growth |
47.52% |
9.58% |
1.89% |
Revenue Q/Q Growth |
6.84% |
-2.78% |
1.85% |
EBITDA Q/Q Growth |
1.77% |
-3.70% |
0.47% |
EBIT Q/Q Growth |
1.53% |
-3.77% |
1.11% |
NOPAT Q/Q Growth |
1.60% |
-3.34% |
0.80% |
Net Income Q/Q Growth |
1.60% |
-3.34% |
0.80% |
EPS Q/Q Growth |
2.21% |
-2.92% |
0.89% |
Operating Cash Flow Q/Q Growth |
5.63% |
-9.49% |
-8.20% |
Free Cash Flow Firm Q/Q Growth |
-1,806.31% |
94.32% |
-74.82% |
Invested Capital Q/Q Growth |
41.09% |
-10.01% |
0.77% |
Profitability Metrics |
- |
- |
- |
EBITDA Margin |
38.80% |
42.86% |
38.74% |
EBIT Margin |
32.22% |
37.06% |
33.50% |
Profit (Net Income) Margin |
25.83% |
29.74% |
27.01% |
Tax Burden Percent |
80.17% |
80.25% |
80.62% |
Interest Burden Percent |
100.00% |
100.00% |
100.00% |
Effective Tax Rate |
19.83% |
19.75% |
19.38% |
Return on Invested Capital (ROIC) |
7.18% |
6.79% |
5.82% |
ROIC Less NNEP Spread (ROIC-NNEP) |
7.18% |
6.79% |
5.82% |
Return on Net Nonoperating Assets (RNNOA) |
2.81% |
4.75% |
3.72% |
Return on Equity (ROE) |
9.99% |
11.54% |
9.54% |
Cash Return on Invested Capital (CROIC) |
-31.22% |
-2.36% |
3.95% |
Operating Return on Assets (OROA) |
1.38% |
1.53% |
1.34% |
Return on Assets (ROA) |
1.11% |
1.23% |
1.08% |
Return on Common Equity (ROCE) |
9.99% |
11.54% |
9.54% |
Return on Equity Simple (ROE_SIMPLE) |
10.33% |
10.95% |
9.20% |
Net Operating Profit after Tax (NOPAT) |
34 |
40 |
36 |
NOPAT Margin |
25.83% |
29.74% |
27.01% |
Net Nonoperating Expense Percent (NNEP) |
0.00% |
0.00% |
0.00% |
SG&A Expenses to Revenue |
51.58% |
51.82% |
54.64% |
Operating Expenses to Revenue |
62.10% |
61.22% |
64.71% |
Earnings before Interest and Taxes (EBIT) |
43 |
50 |
45 |
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA) |
51 |
58 |
52 |
Valuation Ratios |
- |
- |
- |
Price to Book Value (P/BV) |
0.95 |
0.90 |
0.94 |
Price to Tangible Book Value (P/TBV) |
1.29 |
1.18 |
1.19 |
Price to Revenue (P/Rev) |
2.37 |
2.45 |
2.75 |
Price to Earnings (P/E) |
9.18 |
8.26 |
10.19 |
Dividend Yield |
3.07% |
2.45% |
2.20% |
Earnings Yield |
10.90% |
12.11% |
9.81% |
Enterprise Value to Invested Capital (EV/IC) |
0.81 |
0.82 |
0.80 |
Enterprise Value to Revenue (EV/Rev) |
3.49 |
3.76 |
3.77 |
Enterprise Value to EBITDA (EV/EBITDA) |
9.00 |
8.77 |
9.73 |
Enterprise Value to EBIT (EV/EBIT) |
10.84 |
10.15 |
11.25 |
Enterprise Value to NOPAT (EV/NOPAT) |
13.52 |
12.64 |
13.95 |
Enterprise Value to Operating Cash Flow (EV/OCF) |
9.00 |
12.30 |
10.43 |
Enterprise Value to Free Cash Flow (EV/FCFF) |
0.00 |
0.00 |
20.55 |
Leverage & Solvency |
- |
- |
- |
Debt to Equity |
0.71 |
0.69 |
0.59 |
Long-Term Debt to Equity |
0.70 |
0.67 |
0.58 |
Financial Leverage |
0.39 |
0.70 |
0.64 |
Leverage Ratio |
9.04 |
9.39 |
8.86 |
Compound Leverage Factor |
9.04 |
9.39 |
8.86 |
Debt to Total Capital |
41.68% |
40.73% |
37.29% |
Short-Term Debt to Total Capital |
0.98% |
0.89% |
0.88% |
Long-Term Debt to Total Capital |
40.70% |
39.84% |
36.41% |
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 |
58.33% |
59.27% |
62.71% |
Debt to EBITDA |
4.61 |
4.35 |
4.51 |
Net Debt to EBITDA |
2.89 |
3.04 |
2.62 |
Long-Term Debt to EBITDA |
4.50 |
4.26 |
4.40 |
Debt to NOPAT |
6.92 |
6.27 |
6.47 |
Net Debt to NOPAT |
4.34 |
4.39 |
3.76 |
Long-Term Debt to NOPAT |
6.76 |
6.14 |
6.31 |
Noncontrolling Interest Sharing Ratio |
0.00% |
0.00% |
0.00% |
Liquidity Ratios |
- |
- |
- |
Cash Flow Metrics |
- |
- |
- |
Free Cash Flow to Firm (FCFF) |
-148 |
-14 |
25 |
Operating Cash Flow to CapEx |
1,951.18% |
2,049.36% |
1,279.36% |
Free Cash Flow to Firm to Interest Expense |
-18.72 |
-0.33 |
0.38 |
Operating Cash Flow to Interest Expense |
6.47 |
0.96 |
0.76 |
Operating Cash Flow Less CapEx to Interest Expense |
6.14 |
0.92 |
0.70 |
Efficiency Ratios |
- |
- |
- |
Asset Turnover |
0.04 |
0.04 |
0.04 |
Fixed Asset Turnover |
3.03 |
3.16 |
3.20 |
Capital & Investment Metrics |
- |
- |
- |
Invested Capital |
566 |
620 |
632 |
Invested Capital Turnover |
0.28 |
0.23 |
0.22 |
Increase / (Decrease) in Invested Capital |
182 |
54 |
12 |
Enterprise Value (EV) |
461 |
509 |
508 |
Market Capitalization |
313 |
332 |
371 |
Book Value per Share |
$39.84 |
$45.10 |
$49.04 |
Tangible Book Value per Share |
$29.22 |
$34.50 |
$38.51 |
Total Capital |
566 |
620 |
632 |
Total Debt |
236 |
252 |
236 |
Total Long-Term Debt |
230 |
247 |
230 |
Net Debt |
148 |
177 |
137 |
Capital Expenditures (CapEx) |
2.62 |
2.02 |
3.81 |
Net Nonoperating Expense (NNE) |
0.00 |
0.00 |
0.00 |
Net Nonoperating Obligations (NNO) |
236 |
252 |
236 |
Total Depreciation and Amortization (D&A) |
8.67 |
7.86 |
7.07 |
Earnings Adjustments |
- |
- |
- |
Adjusted Basic Earnings per Share |
$4.19 |
$5.02 |
$4.58 |
Adjusted Weighted Average Basic Shares Outstanding |
8.29M |
8.15M |
8.10M |
Adjusted Diluted Earnings per Share |
$4.16 |
$4.99 |
$4.55 |
Adjusted Weighted Average Diluted Shares Outstanding |
8.29M |
8.15M |
8.10M |
Adjusted Basic & Diluted Earnings per Share |
$0.00 |
$0.00 |
$0.00 |
Adjusted Weighted Average Basic & Diluted Shares Outstanding |
8.29M |
8.15M |
8.10M |
Normalized Net Operating Profit after Tax (NOPAT) |
34 |
40 |
36 |
Normalized NOPAT Margin |
25.83% |
29.74% |
27.01% |
Pre Tax Income Margin |
32.22% |
37.06% |
33.50% |
Debt Service Ratios |
- |
- |
- |
EBIT to Interest Expense |
5.37 |
1.17 |
0.70 |
NOPAT to Interest Expense |
4.30 |
0.94 |
0.56 |
EBIT Less CapEx to Interest Expense |
5.04 |
1.12 |
0.64 |
NOPAT Less CapEx to Interest Expense |
3.97 |
0.89 |
0.51 |
Payout Ratios |
- |
- |
- |
Dividend Payout Ratio |
22.83% |
20.43% |
22.48% |
Augmented Payout Ratio |
56.09% |
33.50% |
35.59% |
Quarterly Metrics And Ratios for Home Bancorp
This table displays calculated financial ratios and metrics derived from Home Bancorp's official financial filings.
Metric |
|
Q3 2022 |
Q4 2022 |
Q1 2023 |
Q2 2023 |
Q3 2023 |
Q4 2023 |
Q1 2024 |
Q2 2024 |
Q3 2024 |
Q4 2024 |
Growth Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Revenue Growth |
|
9.02% |
29.95% |
29.78% |
2.51% |
-4.35% |
-10.55% |
-7.04% |
-1.80% |
0.49% |
7.49% |
EBITDA Growth |
|
-25.06% |
6.03% |
121.74% |
10.50% |
-7.85% |
-14.24% |
-18.24% |
-16.78% |
-4.58% |
1.83% |
EBIT Growth |
|
-29.45% |
5.01% |
160.05% |
16.20% |
-6.24% |
-14.61% |
-19.16% |
-17.95% |
-4.44% |
4.32% |
NOPAT Growth |
|
-30.71% |
5.25% |
157.21% |
15.60% |
-6.52% |
-12.91% |
-18.74% |
-17.00% |
-3.25% |
3.07% |
Net Income Growth |
|
-30.71% |
5.25% |
157.21% |
15.60% |
-6.52% |
-12.91% |
-18.74% |
-17.00% |
-3.25% |
3.07% |
EPS Growth |
|
-28.49% |
7.32% |
162.26% |
17.48% |
-4.69% |
-11.36% |
-17.99% |
-15.70% |
-3.28% |
3.42% |
Operating Cash Flow Growth |
|
39.67% |
23.16% |
541.91% |
-54.40% |
-22.99% |
-29.86% |
5.32% |
80.88% |
34.49% |
-42.75% |
Free Cash Flow Firm Growth |
|
-34.10% |
-905.90% |
-14,545.53% |
-731.09% |
-1,829.40% |
73.85% |
128.17% |
122.61% |
125.71% |
95.49% |
Invested Capital Growth |
|
6.61% |
47.52% |
84.82% |
71.80% |
71.80% |
9.58% |
-11.11% |
-8.00% |
-9.01% |
1.89% |
Revenue Q/Q Growth |
|
7.67% |
3.31% |
-4.69% |
-3.30% |
0.46% |
-3.39% |
-0.95% |
2.15% |
2.79% |
3.35% |
EBITDA Q/Q Growth |
|
19.14% |
1.96% |
3.70% |
-12.28% |
-0.64% |
-5.12% |
-1.13% |
-10.71% |
13.93% |
1.26% |
EBIT Q/Q Growth |
|
23.28% |
3.26% |
5.16% |
-13.20% |
-0.53% |
-5.96% |
-0.44% |
-11.90% |
15.84% |
2.66% |
NOPAT Q/Q Growth |
|
23.32% |
3.28% |
5.05% |
-13.60% |
-0.28% |
-3.78% |
-1.98% |
-11.75% |
16.25% |
2.50% |
Net Income Q/Q Growth |
|
23.32% |
3.28% |
5.05% |
-13.60% |
-0.28% |
-3.78% |
-1.98% |
-11.75% |
16.25% |
2.50% |
EPS Q/Q Growth |
|
24.27% |
3.13% |
5.30% |
-12.95% |
0.83% |
-4.10% |
-2.56% |
-10.53% |
15.69% |
2.54% |
Operating Cash Flow Q/Q Growth |
|
-6.34% |
-14.56% |
-32.51% |
-15.57% |
58.18% |
-22.18% |
1.34% |
45.02% |
17.61% |
-66.87% |
Free Cash Flow Firm Q/Q Growth |
|
58.31% |
-1,089.26% |
-75.79% |
4.64% |
3.22% |
83.88% |
289.40% |
-23.47% |
10.06% |
-102.83% |
Invested Capital Q/Q Growth |
|
-3.12% |
41.09% |
20.46% |
4.35% |
-3.12% |
-10.01% |
-2.29% |
8.01% |
-4.19% |
0.77% |
Profitability Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
EBITDA Margin |
|
43.28% |
42.71% |
46.47% |
42.16% |
41.70% |
40.95% |
40.87% |
35.72% |
39.59% |
38.79% |
EBIT Margin |
|
36.76% |
36.74% |
40.54% |
36.39% |
36.04% |
35.08% |
35.26% |
30.41% |
34.27% |
34.04% |
Profit (Net Income) Margin |
|
29.43% |
29.42% |
32.43% |
28.98% |
28.77% |
28.65% |
28.35% |
24.49% |
27.70% |
27.47% |
Tax Burden Percent |
|
80.06% |
80.08% |
79.99% |
79.62% |
79.83% |
81.67% |
80.40% |
80.54% |
80.82% |
80.70% |
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 |
|
19.94% |
19.92% |
20.01% |
20.38% |
20.17% |
18.33% |
19.60% |
19.46% |
19.18% |
19.30% |
Return on Invested Capital (ROIC) |
|
9.35% |
8.18% |
8.64% |
7.25% |
7.35% |
6.54% |
5.85% |
4.75% |
5.58% |
5.92% |
ROIC Less NNEP Spread (ROIC-NNEP) |
|
9.35% |
8.18% |
8.64% |
7.25% |
7.35% |
6.54% |
5.85% |
4.75% |
5.58% |
5.92% |
Return on Net Nonoperating Assets (RNNOA) |
|
1.65% |
3.21% |
4.65% |
4.83% |
4.75% |
4.58% |
4.65% |
4.23% |
4.35% |
3.78% |
Return on Equity (ROE) |
|
11.00% |
11.38% |
13.29% |
12.08% |
12.10% |
11.12% |
10.50% |
8.97% |
9.93% |
9.71% |
Cash Return on Invested Capital (CROIC) |
|
2.23% |
-31.22% |
-51.75% |
-45.31% |
-45.20% |
-2.36% |
17.69% |
13.67% |
14.93% |
3.95% |
Operating Return on Assets (OROA) |
|
1.53% |
1.57% |
1.72% |
1.54% |
1.55% |
1.45% |
1.41% |
1.20% |
1.34% |
1.36% |
Return on Assets (ROA) |
|
1.23% |
1.26% |
1.38% |
1.23% |
1.23% |
1.18% |
1.14% |
0.97% |
1.09% |
1.10% |
Return on Common Equity (ROCE) |
|
11.00% |
11.38% |
13.29% |
12.08% |
12.10% |
11.12% |
10.50% |
8.97% |
9.93% |
9.71% |
Return on Equity Simple (ROE_SIMPLE) |
|
10.59% |
0.00% |
11.88% |
12.22% |
12.06% |
0.00% |
10.24% |
9.70% |
9.19% |
0.00% |
Net Operating Profit after Tax (NOPAT) |
|
10 |
11 |
11 |
9.78 |
9.75 |
9.39 |
9.20 |
8.12 |
9.44 |
9.67 |
NOPAT Margin |
|
29.43% |
29.42% |
32.43% |
28.98% |
28.77% |
28.65% |
28.35% |
24.49% |
27.70% |
27.47% |
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 |
|
48.99% |
49.11% |
49.90% |
52.21% |
53.19% |
52.05% |
54.25% |
55.60% |
55.23% |
53.53% |
Operating Expenses to Revenue |
|
58.46% |
57.83% |
57.12% |
62.09% |
62.93% |
62.89% |
64.31% |
65.79% |
65.32% |
63.48% |
Earnings before Interest and Taxes (EBIT) |
|
13 |
13 |
14 |
12 |
12 |
11 |
11 |
10 |
12 |
12 |
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA) |
|
15 |
16 |
16 |
14 |
14 |
13 |
13 |
12 |
13 |
14 |
Valuation Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Price to Book Value (P/BV) |
|
0.97 |
0.95 |
0.76 |
0.77 |
0.73 |
0.90 |
0.83 |
0.86 |
0.91 |
0.94 |
Price to Tangible Book Value (P/TBV) |
|
1.34 |
1.29 |
1.02 |
1.02 |
0.98 |
1.18 |
1.08 |
1.11 |
1.16 |
1.19 |
Price to Revenue (P/Rev) |
|
2.49 |
2.37 |
1.88 |
1.88 |
1.82 |
2.45 |
2.32 |
2.45 |
2.70 |
2.75 |
Price to Earnings (P/E) |
|
9.16 |
9.18 |
6.41 |
6.26 |
6.08 |
8.26 |
8.09 |
8.87 |
9.90 |
10.19 |
Dividend Yield |
|
2.49% |
3.07% |
3.00% |
3.74% |
3.95% |
2.45% |
2.64% |
2.51% |
2.26% |
2.20% |
Earnings Yield |
|
10.92% |
10.90% |
15.60% |
15.96% |
16.46% |
12.11% |
12.36% |
11.27% |
10.10% |
9.81% |
Enterprise Value to Invested Capital (EV/IC) |
|
0.60 |
0.81 |
0.72 |
0.75 |
0.74 |
0.82 |
0.75 |
0.75 |
0.73 |
0.80 |
Enterprise Value to Revenue (EV/Rev) |
|
1.95 |
3.49 |
3.51 |
3.79 |
3.68 |
3.76 |
3.40 |
3.69 |
3.44 |
3.77 |
Enterprise Value to EBITDA (EV/EBITDA) |
|
4.78 |
9.00 |
8.18 |
8.68 |
8.50 |
8.77 |
8.20 |
9.27 |
8.75 |
9.73 |
Enterprise Value to EBIT (EV/EBIT) |
|
5.75 |
10.84 |
9.60 |
10.07 |
9.82 |
10.15 |
9.51 |
10.80 |
10.19 |
11.25 |
Enterprise Value to NOPAT (EV/NOPAT) |
|
7.17 |
13.52 |
11.99 |
12.60 |
12.30 |
12.64 |
11.84 |
13.40 |
12.59 |
13.95 |
Enterprise Value to Operating Cash Flow (EV/OCF) |
|
4.96 |
9.00 |
8.27 |
10.75 |
11.20 |
12.30 |
10.78 |
10.05 |
8.57 |
10.43 |
Enterprise Value to Free Cash Flow (EV/FCFF) |
|
27.70 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
3.96 |
5.23 |
4.63 |
20.55 |
Leverage & Solvency |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Debt to Equity |
|
0.27 |
0.71 |
0.97 |
1.05 |
0.99 |
0.69 |
0.63 |
0.74 |
0.59 |
0.59 |
Long-Term Debt to Equity |
|
0.25 |
0.70 |
0.97 |
1.04 |
0.98 |
0.67 |
0.25 |
0.37 |
0.24 |
0.58 |
Financial Leverage |
|
0.18 |
0.39 |
0.54 |
0.67 |
0.65 |
0.70 |
0.79 |
0.89 |
0.78 |
0.64 |
Leverage Ratio |
|
8.98 |
9.04 |
9.67 |
9.85 |
9.80 |
9.39 |
9.23 |
9.28 |
9.15 |
8.86 |
Compound Leverage Factor |
|
8.98 |
9.04 |
9.67 |
9.85 |
9.80 |
9.39 |
9.23 |
9.28 |
9.15 |
8.86 |
Debt to Total Capital |
|
21.03% |
41.68% |
49.36% |
51.33% |
49.87% |
40.73% |
38.54% |
42.55% |
37.23% |
37.29% |
Short-Term Debt to Total Capital |
|
1.38% |
0.98% |
0.00% |
0.78% |
0.80% |
0.89% |
23.20% |
21.48% |
22.42% |
0.88% |
Long-Term Debt to Total Capital |
|
19.65% |
40.70% |
49.36% |
50.55% |
49.07% |
39.84% |
15.34% |
21.07% |
14.81% |
36.41% |
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 |
|
78.97% |
58.33% |
50.64% |
48.67% |
50.13% |
59.27% |
61.46% |
57.45% |
62.77% |
62.71% |
Debt to EBITDA |
|
1.68 |
4.61 |
5.60 |
5.94 |
5.70 |
4.35 |
4.24 |
5.29 |
4.49 |
4.51 |
Net Debt to EBITDA |
|
-1.32 |
2.89 |
3.81 |
4.36 |
4.30 |
3.04 |
2.60 |
3.13 |
1.87 |
2.62 |
Long-Term Debt to EBITDA |
|
1.57 |
4.50 |
5.60 |
5.85 |
5.61 |
4.26 |
1.69 |
2.62 |
1.78 |
4.40 |
Debt to NOPAT |
|
2.51 |
6.92 |
8.21 |
8.63 |
8.25 |
6.27 |
6.12 |
7.64 |
6.46 |
6.47 |
Net Debt to NOPAT |
|
-1.99 |
4.34 |
5.58 |
6.33 |
6.22 |
4.39 |
3.75 |
4.52 |
2.70 |
3.76 |
Long-Term Debt to NOPAT |
|
2.35 |
6.76 |
8.21 |
8.50 |
8.12 |
6.14 |
2.44 |
3.78 |
2.57 |
6.31 |
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) |
|
-14 |
-171 |
-301 |
-287 |
-278 |
-45 |
85 |
65 |
72 |
-2.02 |
Operating Cash Flow to CapEx |
|
2,886.08% |
1,831.53% |
5,026.67% |
876.69% |
3,426.96% |
2,049.70% |
831.16% |
924.64% |
3,542.45% |
1,293.13% |
Free Cash Flow to Firm to Interest Expense |
|
-6.30 |
-51.81 |
-46.23 |
-29.43 |
-22.13 |
-3.18 |
5.58 |
4.04 |
4.21 |
-0.12 |
Operating Cash Flow to Interest Expense |
|
7.43 |
4.39 |
1.50 |
0.85 |
1.04 |
0.72 |
0.68 |
0.93 |
1.04 |
0.36 |
Operating Cash Flow Less CapEx to Interest Expense |
|
7.18 |
4.15 |
1.47 |
0.75 |
1.01 |
0.69 |
0.60 |
0.83 |
1.01 |
0.33 |
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 |
|
2.81 |
3.03 |
3.22 |
3.24 |
3.23 |
3.16 |
3.12 |
3.08 |
3.11 |
3.20 |
Capital & Investment Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Invested Capital |
|
401 |
566 |
681 |
711 |
689 |
620 |
606 |
654 |
627 |
632 |
Invested Capital Turnover |
|
0.32 |
0.28 |
0.27 |
0.25 |
0.26 |
0.23 |
0.21 |
0.19 |
0.20 |
0.22 |
Increase / (Decrease) in Invested Capital |
|
25 |
182 |
313 |
297 |
288 |
54 |
-76 |
-57 |
-62 |
12 |
Enterprise Value (EV) |
|
241 |
461 |
492 |
533 |
512 |
509 |
451 |
488 |
455 |
508 |
Market Capitalization |
|
307 |
313 |
263 |
265 |
253 |
332 |
308 |
323 |
358 |
371 |
Book Value per Share |
|
$38.11 |
$39.84 |
$41.63 |
$41.95 |
$42.14 |
$45.10 |
$45.68 |
$46.24 |
$48.76 |
$49.04 |
Tangible Book Value per Share |
|
$27.54 |
$29.22 |
$31.07 |
$31.39 |
$31.55 |
$34.50 |
$35.13 |
$35.69 |
$38.18 |
$38.51 |
Total Capital |
|
401 |
566 |
681 |
711 |
689 |
620 |
606 |
654 |
627 |
632 |
Total Debt |
|
84 |
236 |
336 |
365 |
344 |
252 |
233 |
278 |
233 |
236 |
Total Long-Term Debt |
|
79 |
230 |
336 |
359 |
338 |
247 |
93 |
138 |
93 |
230 |
Net Debt |
|
-67 |
148 |
229 |
268 |
259 |
177 |
143 |
165 |
97 |
137 |
Capital Expenditures (CapEx) |
|
0.59 |
0.79 |
0.20 |
0.94 |
0.38 |
0.50 |
1.24 |
1.62 |
0.50 |
0.45 |
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) |
|
84 |
236 |
336 |
365 |
344 |
252 |
233 |
278 |
233 |
236 |
Total Depreciation and Amortization (D&A) |
|
2.31 |
2.19 |
2.07 |
1.95 |
1.92 |
1.92 |
1.82 |
1.76 |
1.81 |
1.67 |
Earnings Adjustments |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Adjusted Basic Earnings per Share |
|
$1.29 |
$1.33 |
$1.40 |
$1.22 |
$1.22 |
$1.18 |
$1.15 |
$1.02 |
$1.19 |
$1.22 |
Adjusted Weighted Average Basic Shares Outstanding |
|
8.28M |
8.29M |
8.25M |
8.20M |
8.15M |
8.15M |
8.13M |
8.07M |
8.08M |
8.10M |
Adjusted Diluted Earnings per Share |
|
$1.28 |
$1.32 |
$1.39 |
$1.21 |
$1.22 |
$1.17 |
$1.14 |
$1.02 |
$1.18 |
$1.21 |
Adjusted Weighted Average Diluted Shares Outstanding |
|
8.28M |
8.29M |
8.25M |
8.20M |
8.15M |
8.15M |
8.13M |
8.07M |
8.08M |
8.10M |
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 |
|
8.28M |
8.29M |
8.25M |
8.20M |
8.15M |
8.15M |
8.13M |
8.07M |
8.08M |
8.10M |
Normalized Net Operating Profit after Tax (NOPAT) |
|
10 |
11 |
11 |
9.78 |
9.75 |
9.39 |
9.20 |
8.12 |
9.44 |
9.67 |
Normalized NOPAT Margin |
|
29.43% |
29.42% |
32.43% |
28.98% |
28.77% |
28.65% |
28.35% |
24.49% |
27.70% |
27.47% |
Pre Tax Income Margin |
|
36.76% |
36.74% |
40.54% |
36.39% |
36.04% |
35.08% |
35.26% |
30.41% |
34.27% |
34.04% |
Debt Service Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
EBIT to Interest Expense |
|
5.70 |
4.07 |
2.17 |
1.26 |
0.97 |
0.81 |
0.75 |
0.63 |
0.69 |
0.74 |
NOPAT to Interest Expense |
|
4.56 |
3.26 |
1.74 |
1.00 |
0.78 |
0.66 |
0.60 |
0.51 |
0.56 |
0.60 |
EBIT Less CapEx to Interest Expense |
|
5.44 |
3.83 |
2.14 |
1.16 |
0.94 |
0.78 |
0.67 |
0.53 |
0.66 |
0.71 |
NOPAT Less CapEx to Interest Expense |
|
4.30 |
3.02 |
1.71 |
0.91 |
0.75 |
0.63 |
0.52 |
0.40 |
0.53 |
0.57 |
Payout Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Dividend Payout Ratio |
|
23.11% |
22.83% |
19.24% |
18.99% |
19.63% |
20.43% |
21.48% |
22.38% |
22.49% |
22.48% |
Augmented Payout Ratio |
|
56.32% |
56.09% |
39.77% |
34.10% |
31.68% |
33.50% |
36.56% |
37.31% |
36.95% |
35.59% |
Key Financial Trends
Home Bancorp (NASDAQ:HBCP) has demonstrated steady financial performance over the past four years, with consistent net income growth, stable revenue streams, and controlled expenses. Here’s a recap of key trends based on the recent financial statements up to Q4 2024:
- Net Interest Income has shown a solid increase, reaching $31.59 million in Q4 2024 from $29.28 million in Q4 2023, reflecting growth in core lending activities and investment income.
- Consolidated Net Income steadily rose from $10.776 million in Q4 2022 to $9.673 million in Q4 2024, reflecting overall profitability resilience despite modest quarterly fluctuations.
- Earnings per Share (EPS) have gradually improved, with diluted EPS growing from approximately $1.17 in Q4 2023 to $1.21 in Q4 2024, indicating earnings growth on a per-share basis.
- Total Revenue increased over the years, with Q4 2024 total revenue at $35.2 million, up from $32.76 million in Q4 2023, largely driven by higher interest income.
- Provision for Credit Losses remained relatively controlled, fluctuating but showing capability to manage credit risk, with $873,000 in Q4 2024 compared to $665,000 in Q4 2023 and a higher $1.987 million in Q4 2022.
- Home Bancorp continues to invest in property, equipment, and securities, as evident from quarterly investing activities with purchases exceeding sales of investment securities in recent periods, consistent with growth and portfolio management strategies.
- The company maintains a strong capital position with Total Common Equity increasing to about $393 million in Q3 2024 from $317 million in Q3 2022, supporting ongoing lending and expansion efforts.
- Net cash from operating activities varies each quarter but remains positive, reflecting healthy operating cash flow generation capability.
- Interest expense increased slightly to $16.2 million in Q4 2024 versus $14.1 million in Q4 2023, which could pressure interest margins if funding costs rise further.
- Significant fluctuations in debt issuance and repayment, with large issuance and repayments occurring quarterly, which may impact financial flexibility and liquidity management in the short term.
Overall, Home Bancorp shows good earnings growth, stable interest income, and controlled credit losses. The company’s increasing equity base and positive operating cash flow highlight a sound financial footing. However, investors should watch interest expense trends and debt management actions for potential impacts on profitability and liquidity.
09/22/25 04:30 PM ETAI Generated. May Contain Errors.