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Home Bancorp (HBCP) Financials

Home Bancorp logo
$68.85 +0.97 (+1.43%)
Closing price 07/13/2026 04:00 PM Eastern
Extended Trading
$68.82 -0.03 (-0.04%)
As of 07/13/2026 06:18 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more.
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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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 13 16 17 32 28 25 49 34 40 36 46
Consolidated Net Income / (Loss)		 13 16 17 32 28 25 49 34 40 36 46
Net Income / (Loss) Continuing Operations		 13 16 17 32 28 25 49 34 40 36 46
Total Pre-Tax Income 		19 24 29 38 34 31 60 43 50 45 58
Total Revenue		 63 74 78 105 100 107 117 132 135 135 149
Net Interest Income / (Expense)		 55 62 68 92 86 92 101 118 121 120 133
Total Interest Income		 58 68 74 102 102 104 107 126 164 185 194
Loans and Leases Interest Income		 54 64 69 94 94 99 102 113 149 170 179
Investment Securities Interest Income		 3.74 3.68 4.53 6.66 6.39 4.56 4.64 10 12 11 10
Other Interest Income		 0.20 0.28 0.70 1.35 1.40 0.46 0.69 3.14 2.42 3.60 4.00
Total Interest Expense		 3.87 5.27 6.55 10 16 12 5.91 7.92 43 65 61
Deposits Interest Expense		 3.07 3.70 5.16 9.08 15 11 5.23 5.22 28 53 53
Short-Term Borrowings Interest Expense		 0.05 0.19 0.10 0.04 0.00 0.02 0.00 0.36 11 0.96 3.08
Long-Term Debt Interest Expense		 0.70 1.38 1.29 1.19 1.16 0.86 0.68 2.34 4.74 11 3.90
Total Non-Interest Income		 8.77 11 9.96 13 14 14 16 14 15 15 15
Other Service Charges		 7.22 8.31 8.43 12 12 10 12 12 13 13 13
Net Realized & Unrealized Capital Gains on Investments		 1.04 2.37 1.03 0.82 0.74 2.91 2.01 0.69 0.54 0.50 0.86
Other Non-Interest Income		 0.50 0.48 0.49 0.66 2.07 0.99 2.60 0.92 1.05 1.10 1.14
Provision for Credit Losses		 2.07 3.20 2.32 3.94 3.01 13 -10 7.49 2.34 2.42 1.13
Total Non-Interest Expense		 42 47 46 63 64 63 67 82 83 87 90
Salaries and Employee Benefits		 25 28 28 37 38 38 39 48 49 51 53
Net Occupancy & Equipment Expense		 8.92 10 9.39 14 14 14 15 18 19 20 20
Marketing Expense		 0.49 1.06 1.19 1.31 1.58 1.13 1.87 2.26 2.15 2.00 1.97
Other Operating Expenses		 7.58 7.08 6.67 8.97 8.30 8.42 9.33 12 11 12 13
Amortization Expense		 - 0.80 0.76 1.85 1.58 1.36 1.16 1.60 1.60 1.33 1.09
Income Tax Expense		 6.67 7.57 12 6.70 5.86 6.04 12 8.43 9.91 8.76 12
Basic Earnings per Share		 $1.87 $2.34 $2.36 $3.48 $3.08 $2.86 $5.80 $4.19 $5.02 $4.58 $5.93
Weighted Average Basic Shares Outstanding		 6.71M 6.84M 7.12M 9.07M 9.17M 8.71M 8.48M 8.29M 8.15M 8.10M 7.84M
Diluted Earnings per Share		 $1.79 $2.25 $2.28 $3.40 $3.05 $2.85 $5.77 $4.16 $4.99 $4.55 $5.87
Weighted Average Diluted Shares Outstanding		 6.71M 6.84M 7.12M 9.07M 9.17M 8.71M 8.48M 8.29M 8.15M 8.10M 7.84M
Weighted Average Basic & Diluted Shares Outstanding		 6.71M 6.84M 7.12M 9.07M 9.17M 8.71M 8.48M 8.29M 8.15M 8.10M 7.84M
Cash Dividends to Common per Share		 $0.30 $0.41 $0.55 $0.71 $0.84 $0.88 $0.91 $0.93 $1.00 $1.01 $1.14

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 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 9.75 9.39 9.20 8.12 9.44 9.67 11 11 12 11 11
Consolidated Net Income / (Loss)		 9.75 9.39 9.20 8.12 9.44 9.67 11 11 12 11 11
Net Income / (Loss) Continuing Operations		 9.75 9.39 9.20 8.12 9.44 9.67 11 11 12 11 11
Total Pre-Tax Income 		12 11 11 10 12 12 14 14 16 15 14
Total Revenue		 34 33 32 33 34 35 36 37 38 38 38
Net Interest Income / (Expense)		 30 29 29 29 30 32 32 33 34 34 34
Total Interest Income		 42 43 44 45 47 48 47 49 49 49 48
Loans and Leases Interest Income		 38 40 41 42 44 44 44 45 46 45 44
Investment Securities Interest Income		 2.94 2.84 2.79 2.74 2.68 2.70 2.66 2.60 2.50 2.53 2.56
Other Interest Income		 0.65 0.74 0.77 0.72 0.99 1.12 0.51 0.75 1.11 1.64 1.46
Total Interest Expense		 13 14 15 16 17 16 15 15 15 15 13
Deposits Interest Expense		 8.18 11 12 13 14 14 13 13 14 14 12
Short-Term Borrowings Interest Expense		 3.15 2.35 0.44 0.11 0.25 0.17 1.66 1.12 0.30 - 0.00
Long-Term Debt Interest Expense		 1.24 1.24 2.66 2.82 2.84 2.45 1.18 1.02 1.01 0.70 0.85
Total Non-Interest Income		 4.40 3.48 3.55 3.76 3.69 3.63 4.01 3.72 3.74 4.00 3.74
Other Service Charges		 3.45 3.17 3.19 3.36 3.23 3.25 3.35 3.32 3.31 3.49 3.22
Net Realized & Unrealized Capital Gains on Investments		 0.69 0.04 0.09 0.12 0.19 0.10 0.39 0.11 0.14 0.22 0.23
Other Non-Interest Income		 0.27 0.27 0.27 0.27 0.28 0.28 0.28 0.28 0.29 0.29 0.29
Provision for Credit Losses		 0.35 0.67 0.14 1.26 0.14 0.87 0.39 0.49 -0.23 0.48 0.92
Total Non-Interest Expense		 21 21 21 22 22 22 22 22 23 23 23
Salaries and Employee Benefits		 12 11 12 13 13 13 13 13 14 14 14
Net Occupancy & Equipment Expense		 4.91 4.89 4.97 5.16 5.38 4.87 5.20 5.14 5.10 4.95 5.06
Marketing Expense		 0.64 0.76 0.47 0.49 0.38 0.67 0.43 0.46 0.52 0.56 0.49
Other Operating Expenses		 2.91 3.18 2.91 3.05 3.11 3.19 3.00 3.21 3.12 3.47 3.44
Amortization Expense		 0.39 0.38 0.35 0.33 0.33 0.32 0.29 0.27 0.27 0.26 0.23
Income Tax Expense		 2.47 2.11 2.24 1.96 2.24 2.31 2.82 2.84 3.19 3.11 3.00
Basic Earnings per Share		 $1.22 $1.18 $1.15 $1.02 $1.19 $1.22 $1.38 $1.47 $1.60 $1.48 $1.47
Weighted Average Basic Shares Outstanding		 8.15M 8.15M 8.13M 8.07M 8.08M 8.10M 7.80M 7.82M 7.83M 7.84M 7.84M
Diluted Earnings per Share		 $1.22 $1.17 $1.14 $1.02 $1.18 $1.21 $1.37 $1.45 $1.59 $1.46 $1.45
Weighted Average Diluted Shares Outstanding		 8.15M 8.15M 8.13M 8.07M 8.08M 8.10M 7.80M 7.82M 7.83M 7.84M 7.84M
Weighted Average Basic & Diluted Shares Outstanding		 8.15M 8.15M 8.13M 8.07M 8.08M 8.10M 7.80M 7.82M 7.83M 7.84M 7.84M
Cash Dividends to Common per Share		 $0.25 $0.25 $0.25 $0.25 $0.25 $0.26 $0.27 $0.27 $0.29 $0.31 $0.31

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 -4.28 4.52 121 -91 -20 148 413 -514 -12 23 43
Net Cash From Operating Activities		 36 20 25 47 44 49 56 51 41 49 55
Net Cash From Continuing Operating Activities		 36 20 25 47 44 49 56 51 41 49 55
Net Income / (Loss) Continuing Operations		 13 16 17 32 28 25 49 34 40 36 46
Consolidated Net Income / (Loss)		 13 16 17 32 28 25 49 34 40 36 46
Provision For Loan Losses		 2.07 3.20 2.32 3.94 3.01 13 -10 7.49 2.84 2.52 0.06
Depreciation Expense		 1.81 1.80 1.96 2.50 2.88 3.06 3.08 3.46 3.57 3.50 3.31
Amortization Expense		 5.76 5.16 1.92 10 8.33 8.54 5.40 5.21 4.28 3.57 2.80
Non-Cash Adjustments to Reconcile Net Income		 0.11 2.26 12 7.81 -3.23 -3.04 13 1.62 0.66 1.00 1.26
Changes in Operating Assets and Liabilities, net		 14 -7.94 -10 -9.18 4.68 2.98 -4.20 -0.66 -10 1.71 1.02
Net Cash From Investing Activities		 -62 -12 79 -25 -72 -260 55 -495 -94 -107 -2.88
Net Cash From Continuing Investing Activities		 -62 -12 79 -25 -72 -260 55 -495 -94 -107 -2.88
Purchase of Property, Leasehold Improvements and Equipment		 -0.83 -4.11 -1.92 -5.01 -3.84 -2.15 -2.47 -2.71 -2.02 -4.06 -10
Purchase of Investment Securities		 -124 -54 -57 -81 -152 -94 -34 -543 -160 -157 -58
Sale of Property, Leasehold Improvements and Equipment		 2.02 4.34 0.83 1.05 0.05 0.01 0.41 0.08 0.00 0.25 0.19
Sale and/or Maturity of Investments		 60 39 68 58 83 -164 91 62 68 53 65
Net Cash From Financing Activities		 21 -4.47 18 -113 8.62 359 303 -70 41 81 -8.57
Net Cash From Continuing Financing Activities		 21 -4.47 18 -113 8.62 359 303 -70 41 81 -8.57
Net Change in Deposits		 42 3.94 85 -93 48 393 322 -256 38 110 192
Issuance of Debt		 4,932 2,642 131 3.00 6.01 120 0.00 209 17,421 1,073 3,599
Issuance of Common Equity		 - - - 0.07 0.16 -0.01 0.30 0.32 0.33 0.89 0.64
Repayment of Debt		 -4,930 -2,649 -195 -16 -24 -132 -2.80 -4.85 -17,404 -1,090 -3,777
Repurchase of Common Equity		 -3.47 -0.36 -0.07 -1.19 -15 -14 -8.90 -11 -5.26 -4.77 -14
Payment of Dividends		 -2.16 -2.99 -4.07 -6.71 -7.90 -7.90 -7.87 -7.78 -8.22 -8.19 -8.99
Other Financing Activities, Net		 -17 1.42 1.19 0.91 2.23 0.03 0.08 0.38 0.10 0.13 0.09
Cash Interest Paid		 3.84 5.21 6.55 10 16 12 6.22 7.74 42 62 62
Cash Income Taxes Paid		 3.70 7.91 10 5.08 3.17 5.43 12 6.54 13 6.49 13

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 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 -12 -8.69 15 23 22 -37 12 1.93 77 -48 82
Net Cash From Operating Activities		 13 10 10 15 18 5.83 13 8.75 21 12 17
Net Cash From Continuing Operating Activities		 13 10 10 15 18 5.83 13 8.75 21 12 17
Net Income / (Loss) Continuing Operations		 9.75 9.39 9.20 8.12 9.44 9.67 11 11 12 11 11
Consolidated Net Income / (Loss)		 9.75 9.39 9.20 8.12 9.44 9.67 11 11 12 11 11
Provision For Loan Losses		 0.35 0.67 0.14 1.26 0.14 0.87 0.39 0.49 -0.23 -0.60 0.92
Depreciation Expense		 0.88 0.91 0.89 0.87 0.92 0.82 0.83 0.81 0.83 0.84 0.85
Amortization Expense		 1.04 1.01 0.93 0.89 0.90 0.85 0.76 0.74 0.73 0.57 0.42
Non-Cash Adjustments to Reconcile Net Income		 -0.24 0.39 0.05 1.10 -0.31 0.16 -0.84 1.38 0.04 0.89 0.39
Changes in Operating Assets and Liabilities, net		 1.31 -2.18 -0.88 2.73 6.52 -6.55 0.47 -6.00 7.77 -1.42 2.88
Net Cash From Investing Activities		 -47 1.29 -26 -32 -2.08 -47 -25 -4.04 75 -49 17
Net Cash From Continuing Investing Activities		 -47 1.29 -26 -32 -2.08 -47 -25 -4.04 75 -49 17
Purchase of Property, Leasehold Improvements and Equipment		 -0.38 -0.50 -1.25 -1.62 -0.64 -0.55 -3.87 -0.85 -0.83 -4.61 -2.35
Purchase of Investment Securities		 -58 -15 -41 -42 -13 -62 -34 -23 53 -53 -8.81
Sale of Property, Leasehold Improvements and Equipment		 - - 0.01 - 0.15 0.10 0.04 0.14 - - 0.00
Sale and/or Maturity of Investments		 12 17 16 11 11 15 13 20 23 9.36 28
Net Cash From Financing Activities		 21 -20 30 40 6.89 3.89 24 -2.77 -20 -11 48
Net Cash From Continuing Financing Activities		 21 -20 30 40 6.89 3.89 24 -2.77 -20 -11 48
Net Change in Deposits		 46 73 52 0.38 55 3.21 47 81 67 -2.70 54
Issuance of Debt		 2,974 1,725 625 169 136 142 2,737 776 85 0.03 0.00
Issuance of Common Equity		 - - - - - - 0.14 - - - 0.20
Repayment of Debt		 -2,995 -1,816 -645 -124 -181 -140 -2,750 -852 -170 -5.60 -3.02
Repurchase of Common Equity		 -1.23 -0.54 -0.83 -2.84 -1.02 -0.09 -7.83 -6.63 0.01 -0.04 -0.25
Payment of Dividends		 -2.05 -2.04 -2.04 -2.03 -2.02 -2.10 -2.19 -2.11 -2.27 -2.43 -2.43
Other Financing Activities, Net		 0.09 -0.02 -0.00 -0.14 0.43 -0.16 0.01 0.00 0.63 -0.56 0.01
Cash Interest Paid		 11 16 14 15 17 16 16 15 13 17 13
Cash Income Taxes Paid		 2.52 1.53 0.00 4.69 1.82 - 1.43 6.65 2.23 3.06 0.53

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 1,552 1,557 2,228 2,154 2,200 2,592 2,938 3,228 3,320 3,444 3,493
Cash and Due from Banks		 25 29 150 60 40 188 601 87 76 99 142
Trading Account Securities		 191 197 248 273 271 267 331 488 435 404 393
Loans and Leases, Net of Allowance		 1,215 1,215 1,643 1,633 1,696 1,947 1,819 2,401 2,550 2,685 2,711
Loans and Leases		 1,224 1,228 1,658 1,650 1,714 1,980 1,840 2,431 2,582 2,718 2,744
Allowance for Loan and Lease Losses		 9.55 13 15 16 18 33 21 29 32 33 33
Loans Held for Sale		 5.65 4.16 5.87 - - - - 0.10 0.36 0.83 1.56
Premises and Equipment, Net		 41 40 46 47 46 45 44 44 42 42 49
Intangible Assets		 - 13 68 66 64 63 62 88 86 85 84
Other Assets		 70 57 65 73 81 81 1,900 120 130 128 113
Total Liabilities & Shareholders' Equity		 1,552 1,557 2,228 2,154 2,200 2,592 2,938 3,228 3,320 3,444 3,493
Total Liabilities		 1,387 1,377 1,950 1,850 1,884 2,270 2,586 2,898 2,953 3,048 3,058
Non-Interest Bearing Deposits		 297 297 462 438 438 616 766 904 744 733 793
Interest Bearing Deposits		 948 952 1,404 1,335 1,383 1,598 1,769 1,729 1,926 2,048 2,180
Long-Term Debt		 125 119 72 59 46 29 32 230 247 230 58
Other Long-Term Liabilities		 - - - - 17 - 19 - - - 27
Total Equity & Noncontrolling Interests		 165 180 278 304 316 322 352 330 367 396 435
Total Preferred & Common Equity		 165 180 278 304 316 322 352 330 367 396 435
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 165 180 278 304 316 322 352 330 367 396 435
Common Stock		 77 79 165 168 169 165 165 165 166 168 169
Retained Earnings		 92 105 117 141 150 154 189 206 235 259 285
Accumulated Other Comprehensive Income / (Loss)		 0.87 0.01 -0.96 -2.21 0.69 5.27 0.74 -39 -31 -30 -18
Other Equity Adjustments		 -4.71 -4.32 -3.92 -3.54 -3.16 -2.77 -2.42 -2.05 -1.70 -1.34 -0.98

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 Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026
Total Assets		 3,168 3,267 3,290 3,318 3,358 3,411 3,442 3,485 3,491 3,494 3,555
Cash and Due from Banks		 151 107 97 85 90 113 136 111 113 189 223
Trading Account Securities		 494 468 450 428 423 414 422 402 395 384 386
Loans and Leases, Net of Allowance		 2,276 2,436 2,480 2,538 2,590 2,629 2,636 2,714 2,731 2,673 2,694
Loans and Leases		 2,303 2,466 2,511 2,569 2,622 2,661 2,668 2,747 2,765 2,706 2,728
Allowance for Loan and Lease Losses		 27 30 31 31 31 32 32 33 33 33 34
Loans Held for Sale		 0.17 0.47 0.54 0.47 0.65 0.00 0.24 1.86 1.31 1.93 1.56
Premises and Equipment, Net		 44 43 43 42 42 43 43 45 45 45 51
Intangible Assets		 88 88 87 87 86 86 85 85 84 84 84
Other Assets		 115 2,561 132 137 125 126 120 127 122 116 115
Total Liabilities & Shareholders' Equity		 3,168 3,267 3,290 3,318 3,358 3,411 3,442 3,485 3,491 3,494 3,555
Total Liabilities		 2,851 2,922 2,944 2,972 2,985 3,035 3,049 3,083 3,083 3,071 3,110
Non-Interest Bearing Deposits		 921 855 817 785 742 747 741 755 797 802 830
Interest Bearing Deposits		 1,817 1,703 1,735 1,812 1,980 1,976 2,037 2,072 2,111 2,174 2,197
Other Short-Term Payables		 28 - 27 31 29 34 38 32 26 32 29
Long-Term Debt		 79 336 359 338 93 138 93 218 143 58 55
Total Equity & Noncontrolling Interests		 317 345 346 345 372 376 393 403 409 423 444
Total Preferred & Common Equity		 317 345 346 345 372 376 393 403 409 423 444
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 317 345 346 345 372 376 393 403 409 423 444
Common Stock		 164 166 165 165 166 166 167 167 167 168 170
Retained Earnings		 198 215 221 228 241 245 252 262 266 276 294
Accumulated Other Comprehensive Income / (Loss)		 -43 -34 -38 -46 -34 -34 -24 -25 -22 -20 -18
Other Equity Adjustments		 -2.14 -1.97 -1.88 -1.79 -1.61 -1.52 -1.43 -1.25 -1.16 -1.07 -0.89

Annual Metrics And Ratios for Home Bancorp

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

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
DEI Shares Outstanding		 7,233,794.00 7,322,320.00 7,445,716.00 9,480,140.00 9,275,629.00 8,755,250.00 8,523,524.00 - - - 7,828,144.00
DEI Adjusted Shares Outstanding		 7,233,794.00 7,322,320.00 7,445,716.00 9,480,140.00 9,275,629.00 8,755,250.00 8,523,524.00 - - - 7,828,144.00
DEI Earnings Per Adjusted Shares Outstanding		 1.73 2.19 2.26 3.33 3.01 2.83 5.70 - - - 5.88
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 6.92% 16.20% 5.76% 35.52% -4.78% 6.08% 10.09% 12.49% 2.60% -0.33% 10.25%
EBITDA Growth		 -0.63% 14.00% 8.71% 54.42% -12.20% -5.76% 62.52% -25.75% 13.34% -9.91% 22.72%
EBIT Growth		 27.47% 22.66% 24.35% 30.59% -11.74% -8.83% 96.19% -29.68% 17.99% -9.90% 28.41%
NOPAT Growth		 27.13% 27.55% 5.10% 87.77% -11.58% -11.34% 96.33% -29.92% 18.10% -9.48% 26.45%
Net Income Growth		 27.13% 27.55% 5.10% 87.77% -11.58% -11.34% 96.33% -29.92% 18.10% -9.48% 26.45%
EPS Growth		 26.06% 25.70% 1.33% 49.12% -10.29% -6.56% 102.46% -27.90% 19.95% -8.82% 29.01%
Operating Cash Flow Growth		 29.62% -43.35% 20.81% 90.40% -6.77% 11.59% 13.63% -8.11% -19.23% 17.83% 11.85%
Free Cash Flow Firm Growth		 -307.85% 114.08% -540.52% 137.71% 159.21% -7.93% -31.27% -794.34% 90.57% 276.94% 647.62%
Invested Capital Growth		 30.71% 2.82% 17.20% 5.31% -1.57% -1.73% 7.66% 47.52% 9.58% 1.89% -21.98%
Revenue Q/Q Growth		 5.31% 0.02% 6.10% 6.46% -4.15% 4.40% -0.90% 6.84% -2.78% 1.85% 1.94%
EBITDA Q/Q Growth		 3.11% -0.29% -3.87% 20.89% -8.52% 16.32% -3.00% 1.77% -3.70% 0.47% 3.67%
EBIT Q/Q Growth		 9.46% -0.91% 11.31% 8.90% -9.60% 19.19% -0.72% 1.53% -3.77% 1.11% 4.57%
NOPAT Q/Q Growth		 10.13% 2.03% -5.82% 18.12% -5.04% 19.11% -0.70% 1.60% -3.34% 0.80% 3.92%
Net Income Q/Q Growth		 10.13% 2.03% -5.82% 18.12% -5.04% -16.26% 21.01% 1.60% -3.34% 0.80% 3.92%
EPS Q/Q Growth		 9.82% 1.81% -7.69% 15.65% -4.09% 21.28% -0.17% 2.21% -2.92% 0.89% 4.45%
Operating Cash Flow Q/Q Growth		 4.00% 22.41% -24.01% 34.03% -4.40% 58.10% -25.56% 5.63% -9.49% -8.20% 12.05%
Free Cash Flow Firm Q/Q Growth		 -47.67% -48.58% -145.02% 118.30% 103.00% -19.46% -7.84% -1,806.31% 94.32% -74.82% 0.02%
Invested Capital Q/Q Growth		 -8.09% -5.63% 35.84% 3.66% -1.52% 1.68% 1.96% 41.09% -10.01% 0.77% 1.34%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 42.30% 41.50% 42.66% 48.60% 44.82% 39.82% 58.78% 38.80% 42.86% 38.74% 43.12%
EBIT Margin		 30.36% 32.04% 37.68% 36.31% 33.65% 28.92% 51.54% 32.22% 37.06% 33.50% 39.01%
Profit (Net Income) Margin		 19.82% 21.76% 21.62% 29.96% 27.82% 23.25% 41.46% 25.83% 29.74% 27.01% 30.97%
Tax Burden Percent		 65.29% 67.90% 57.39% 82.51% 82.66% 80.39% 80.45% 80.17% 80.25% 80.62% 79.39%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 34.71% 32.10% 42.61% 17.49% 17.34% 19.61% 19.55% 19.83% 19.75% 19.38% 20.61%
Return on Invested Capital (ROIC)		 4.90% 5.44% 5.19% 8.80% 7.64% 6.89% 13.15% 7.18% 6.79% 5.82% 8.19%
ROIC Less NNEP Spread (ROIC-NNEP)		 4.90% 5.44% 5.19% 8.80% 7.64% 6.89% 13.15% 7.18% 6.79% 5.82% 8.19%
Return on Net Nonoperating Assets (RNNOA)		 2.96% 3.84% 2.16% 2.06% 1.36% 0.87% 1.29% 2.81% 4.75% 3.72% 2.89%
Return on Equity (ROE)		 7.86% 9.28% 7.35% 10.86% 9.01% 7.76% 14.43% 9.99% 11.54% 9.54% 11.08%
Cash Return on Invested Capital (CROIC)		 -21.72% 2.66% -10.65% 3.62% 9.23% 8.64% 5.77% -31.22% -2.36% 3.95% 32.89%
Operating Return on Assets (OROA)		 1.39% 1.52% 1.55% 1.75% 1.55% 1.29% 2.19% 1.38% 1.53% 1.34% 1.67%
Return on Assets (ROA)		 0.91% 1.03% 0.89% 1.44% 1.28% 1.03% 1.76% 1.11% 1.23% 1.08% 1.33%
Return on Common Equity (ROCE)		 7.86% 9.28% 7.35% 10.86% 9.01% 7.76% 14.43% 9.99% 11.54% 9.54% 11.08%
Return on Equity Simple (ROE_SIMPLE)		 7.60% 8.90% 6.05% 10.39% 8.83% 7.69% 13.82% 10.33% 10.95% 9.20% 10.59%
Net Operating Profit after Tax (NOPAT)		 13 16 17 32 28 25 49 34 40 36 46
NOPAT Margin		 19.82% 21.76% 21.62% 29.96% 27.82% 23.25% 41.46% 25.83% 29.74% 27.01% 30.97%
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% 0.00%
SG&A Expenses to Revenue		 54.40% 52.90% 49.79% 49.70% 53.50% 49.95% 48.18% 51.58% 51.82% 54.64% 51.00%
Operating Expenses to Revenue		 66.37% 63.61% 59.35% 59.96% 63.34% 59.13% 57.12% 62.10% 61.22% 64.71% 60.22%
Earnings before Interest and Taxes (EBIT)		 19 24 29 38 34 31 60 43 50 45 58
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 27 31 33 51 45 42 69 51 58 52 64
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.93 1.31 0.98 0.95 1.01 0.69 0.94 0.95 0.90 0.94 1.03
Price to Tangible Book Value (P/TBV)		 0.93 1.41 1.29 1.21 1.27 0.86 1.14 1.29 1.18 1.19 1.28
Price to Revenue (P/Rev)		 2.43 3.20 3.49 2.73 3.18 2.09 2.81 2.37 2.45 2.75 3.01
Price to Earnings (P/E)		 12.28 14.70 16.15 9.12 11.43 8.99 6.78 9.18 8.26 10.19 9.73
Dividend Yield		 1.74% 1.28% 1.51% 2.34% 2.44% 3.46% 2.35% 3.07% 2.45% 2.20% 1.99%
Earnings Yield		 8.14% 6.80% 6.19% 10.97% 8.75% 11.13% 14.76% 10.90% 12.11% 9.81% 10.28%
Enterprise Value to Invested Capital (EV/IC)		 0.86 1.08 0.55 0.79 0.90 0.19 0.00 0.81 0.82 0.80 0.74
Enterprise Value to Revenue (EV/Rev)		 3.94 4.39 2.45 2.77 3.24 0.64 0.00 3.49 3.76 3.77 2.45
Enterprise Value to EBITDA (EV/EBITDA)		 9.31 10.57 5.74 5.69 7.23 1.62 0.00 9.00 8.77 9.73 5.68
Enterprise Value to EBIT (EV/EBIT)		 12.97 13.69 6.50 7.62 9.62 2.23 0.00 10.84 10.15 11.25 6.28
Enterprise Value to NOPAT (EV/NOPAT)		 19.87 20.15 11.33 9.24 11.64 2.77 0.00 13.52 12.64 13.95 7.91
Enterprise Value to Operating Cash Flow (EV/OCF)		 6.89 15.75 7.70 6.19 7.40 1.40 0.00 9.00 12.30 10.43 6.68
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 41.20 0.00 22.43 9.64 2.21 0.00 0.00 0.00 20.55 1.97
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.76 0.66 0.26 0.21 0.15 0.11 0.09 0.71 0.69 0.59 0.13
Long-Term Debt to Equity		 0.76 0.66 0.26 0.19 0.15 0.09 0.09 0.70 0.67 0.58 0.13
Financial Leverage		 0.60 0.71 0.42 0.23 0.18 0.13 0.10 0.39 0.70 0.64 0.35
Leverage Ratio		 8.69 9.01 8.27 7.53 7.02 7.51 8.21 9.04 9.39 8.86 8.35
Compound Leverage Factor		 8.69 9.01 8.27 7.53 7.02 7.51 8.21 9.04 9.39 8.86 8.35
Debt to Total Capital		 43.13% 39.73% 20.54% 17.44% 12.73% 9.65% 8.24% 41.68% 40.73% 37.29% 11.71%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 1.50% 0.00% 1.56% 0.00% 0.98% 0.89% 0.88% 0.00%
Long-Term Debt to Total Capital		 43.13% 39.73% 20.54% 15.94% 12.73% 8.09% 8.24% 40.70% 39.84% 36.41% 11.71%
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% 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% 0.00%
Common Equity to Total Capital		 56.87% 60.27% 79.46% 82.56% 87.27% 90.36% 91.76% 58.33% 59.27% 62.71% 88.29%
Debt to EBITDA		 4.67 3.88 2.16 1.25 1.03 0.81 0.46 4.61 4.35 4.51 0.90
Net Debt to EBITDA		 3.55 2.86 -2.44 0.07 0.13 -3.63 -8.27 2.89 3.04 2.62 -1.31
Long-Term Debt to EBITDA		 4.67 3.88 2.16 1.15 1.03 0.68 0.46 4.50 4.26 4.40 0.90
Debt to NOPAT		 9.97 7.40 4.27 2.03 1.65 1.39 0.65 6.92 6.27 6.47 1.25
Net Debt to NOPAT		 7.59 5.46 -4.82 0.12 0.21 -6.22 -11.73 4.34 4.39 3.76 -1.82
Long-Term Debt to NOPAT		 9.97 7.40 4.27 1.86 1.65 1.16 0.65 6.76 6.14 6.31 1.25
Noncontrolling Interest Sharing Ratio		 0.00% 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)		 -56 7.83 -34 13 34 31 21 -148 -14 25 185
Operating Cash Flow to CapEx		 0.00% 0.00% 2,275.00% 1,190.40% 1,160.54% 2,288.98% 2,707.24% 1,951.18% 2,049.36% 1,279.36% 546.23%
Free Cash Flow to Firm to Interest Expense		 -14.39 1.49 -5.27 1.26 2.08 2.61 3.61 -18.72 -0.33 0.38 3.06
Operating Cash Flow to Interest Expense		 9.36 3.89 3.78 4.57 2.71 4.11 9.42 6.47 0.96 0.76 0.90
Operating Cash Flow Less CapEx to Interest Expense		 9.66 3.93 3.61 4.19 2.48 3.93 9.07 6.14 0.92 0.70 0.74
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.05 0.05 0.04 0.05 0.05 0.04 0.04 0.04 0.04 0.04 0.04
Fixed Asset Turnover		 1.61 1.83 1.83 2.27 2.15 2.32 2.63 3.03 3.16 3.20 3.26
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 290 298 350 368 362 356 383 566 620 632 493
Invested Capital Turnover		 0.25 0.25 0.24 0.29 0.27 0.30 0.32 0.28 0.23 0.22 0.26
Increase / (Decrease) in Invested Capital		 68 8.18 51 19 -5.79 -6.28 27 182 54 12 -139
Enterprise Value (EV)		 249 323 191 292 325 69 -241 461 509 508 364
Market Capitalization		 154 235 272 288 319 223 329 313 332 371 448
Book Value per Share		 $22.82 $24.56 $37.32 $32.07 $34.10 $36.76 $41.29 $39.84 $45.10 $49.04 $55.58
Tangible Book Value per Share		 $22.82 $22.82 $28.18 $25.10 $27.15 $29.55 $34.02 $29.22 $34.50 $38.51 $44.86
Total Capital		 290 298 350 368 362 356 383 566 620 632 493
Total Debt		 125 119 72 64 46 34 32 236 252 236 58
Total Long-Term Debt		 125 119 72 59 46 29 32 230 247 230 58
Net Debt		 95 87 -81 3.68 5.86 -154 -570 148 177 137 -84
Capital Expenditures (CapEx)		 -1.19 -0.22 1.09 3.96 3.79 2.14 2.06 2.62 2.02 3.81 9.98
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 125 119 72 64 46 34 32 236 252 236 58
Total Depreciation and Amortization (D&A)		 7.56 6.96 3.88 13 11 12 8.49 8.67 7.86 7.07 6.11
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.87 $2.34 $2.36 $3.48 $3.08 $2.86 $5.80 $4.19 $5.02 $4.58 $5.93
Adjusted Weighted Average Basic Shares Outstanding		 7.26M 7.37M 9.40M 9.50M 9.17M 8.71M 8.48M 8.29M 8.15M 8.10M 7.84M
Adjusted Diluted Earnings per Share		 $1.79 $2.25 $2.28 $3.40 $3.05 $2.85 $5.77 $4.16 $4.99 $4.55 $5.87
Adjusted Weighted Average Diluted Shares Outstanding		 7.26M 7.37M 9.40M 9.50M 9.17M 8.71M 8.48M 8.29M 8.15M 8.10M 7.84M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $3.08 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 7.26M 7.37M 9.40M 9.50M 9.17M 8.71M 8.48M 8.29M 8.15M 8.10M 7.84M
Normalized Net Operating Profit after Tax (NOPAT)		 13 16 17 32 28 25 49 34 40 36 46
Normalized NOPAT Margin		 19.82% 21.76% 21.62% 29.96% 27.82% 23.25% 41.46% 25.83% 29.74% 27.01% 30.97%
Pre Tax Income Margin		 30.36% 32.04% 37.68% 36.31% 33.65% 28.92% 51.54% 32.22% 37.06% 33.50% 39.01%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 4.97 4.48 4.48 3.71 2.08 2.58 10.22 5.37 1.17 0.70 0.96
NOPAT to Interest Expense		 3.25 3.04 2.57 3.07 1.72 2.08 8.22 4.30 0.94 0.56 0.76
EBIT Less CapEx to Interest Expense		 5.28 4.52 4.31 3.33 1.85 2.41 9.87 5.04 1.12 0.64 0.79
NOPAT Less CapEx to Interest Expense		 3.55 3.08 2.40 2.68 1.49 1.90 7.87 3.97 0.89 0.51 0.60
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 17.23% 18.67% 24.19% 21.23% 28.28% 31.91% 16.18% 22.83% 20.43% 22.48% 19.51%
Augmented Payout Ratio		 44.85% 20.93% 24.61% 25.01% 83.57% 88.50% 34.49% 56.09% 33.50% 35.59% 50.68%

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 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 - - - - - - 8,097,592.00 7,801,368.00 7,824,751.00 7,828,144.00 7,836,346.00
DEI Adjusted Shares Outstanding		 - - - - - - 8,097,592.00 7,801,368.00 7,824,751.00 7,828,144.00 7,836,346.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - 1.35 1.45 1.58 1.46 1.45
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -4.35% -10.55% -7.04% -1.80% 0.49% 7.49% 10.19% 11.82% 11.06% 8.04% 6.89%
EBITDA Growth		 -7.85% -14.24% -18.24% -16.78% -4.58% 1.83% 15.96% 32.78% 26.72% 16.62% 1.60%
EBIT Growth		 -6.24% -14.61% -19.16% -17.95% -4.44% 4.32% 20.49% 40.60% 33.11% 21.13% 4.16%
NOPAT Growth		 -6.52% -12.91% -18.74% -17.00% -3.25% 3.07% 19.19% 39.57% 30.94% 17.97% 3.61%
Net Income Growth		 -6.52% -12.91% -18.74% -17.00% -3.25% 3.07% 19.19% 39.57% 30.94% 17.97% 3.61%
EPS Growth		 -4.69% -11.36% -17.99% -15.70% -3.28% 3.42% 20.18% 42.16% 34.75% 20.66% 5.84%
Operating Cash Flow Growth		 -22.99% -29.86% 5.32% 80.88% 34.49% -42.75% 21.83% -41.56% 22.06% 100.51% 33.72%
Free Cash Flow Firm Growth		 -1,829.40% 73.85% 128.17% 122.61% 125.71% 95.49% -111.13% 66.87% 113.79% 7,530.76% 1,563.69%
Invested Capital Growth		 71.80% 9.58% -11.11% -8.00% -9.01% 1.89% 3.37% -14.84% -22.42% -21.98% -20.28%
Revenue Q/Q Growth		 0.46% -3.39% -0.95% 2.15% 2.79% 3.35% 1.54% 3.66% 2.10% 0.53% 0.46%
EBITDA Q/Q Growth		 -0.64% -5.12% -1.13% -10.71% 13.93% 1.26% 12.58% 2.24% 8.73% -6.81% -1.92%
EBIT Q/Q Growth		 -0.53% -5.96% -0.44% -11.90% 15.84% 2.66% 15.00% 2.80% 9.67% -6.58% -1.12%
NOPAT Q/Q Growth		 -0.28% -3.78% -1.98% -11.75% 16.25% 2.50% 13.35% 3.34% 9.06% -7.66% -0.45%
Net Income Q/Q Growth		 -0.28% -3.78% -1.98% -11.75% 16.25% 2.50% 13.35% 3.34% 9.06% -7.66% -0.45%
EPS Q/Q Growth		 0.83% -4.10% -2.56% -10.53% 15.69% 2.54% 13.22% 5.84% 9.66% -8.18% -0.68%
Operating Cash Flow Q/Q Growth		 58.18% -22.18% 1.34% 45.02% 17.61% -66.87% 115.64% -30.43% 145.62% -45.58% 43.80%
Free Cash Flow Firm Q/Q Growth		 3.22% 83.88% 289.40% -23.47% 10.06% -102.83% -367.51% 1,247.08% 41.01% -1.73% -7.91%
Invested Capital Q/Q Growth		 -3.12% -10.01% -2.29% 8.01% -4.19% 0.77% -0.87% -11.02% -12.72% 1.34% 1.29%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 41.70% 40.95% 40.87% 35.72% 39.59% 38.79% 43.01% 42.42% 45.17% 41.87% 40.88%
EBIT Margin		 36.04% 35.08% 35.26% 30.41% 34.27% 34.04% 38.55% 38.23% 41.07% 38.16% 37.57%
Profit (Net Income) Margin		 28.77% 28.65% 28.35% 24.49% 27.70% 27.47% 30.66% 30.57% 32.65% 29.99% 29.72%
Tax Burden Percent		 79.83% 81.67% 80.40% 80.54% 80.82% 80.70% 79.54% 79.95% 79.51% 78.59% 79.12%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 20.17% 18.33% 19.60% 19.46% 19.18% 19.30% 20.46% 20.05% 20.49% 21.41% 20.88%
Return on Invested Capital (ROIC)		 7.35% 6.54% 5.85% 4.75% 5.58% 5.92% 6.88% 7.17% 8.56% 7.93% 7.99%
ROIC Less NNEP Spread (ROIC-NNEP)		 7.35% 6.54% 5.85% 4.75% 5.58% 5.92% 6.88% 7.17% 8.56% 7.93% 7.99%
Return on Net Nonoperating Assets (RNNOA)		 4.75% 4.58% 4.65% 4.23% 4.35% 3.78% 4.05% 3.90% 3.11% 2.80% 2.62%
Return on Equity (ROE)		 12.10% 11.12% 10.50% 8.97% 9.93% 9.71% 10.93% 11.07% 11.67% 10.73% 10.61%
Cash Return on Invested Capital (CROIC)		 -45.20% -2.36% 17.69% 13.67% 14.93% 3.95% 2.89% 22.87% 33.22% 32.89% 30.83%
Operating Return on Assets (OROA)		 1.55% 1.45% 1.41% 1.20% 1.34% 1.36% 1.56% 1.57% 1.73% 1.64% 1.61%
Return on Assets (ROA)		 1.23% 1.18% 1.14% 0.97% 1.09% 1.10% 1.24% 1.26% 1.37% 1.29% 1.28%
Return on Common Equity (ROCE)		 12.10% 11.12% 10.50% 8.97% 9.93% 9.71% 10.93% 11.07% 11.67% 10.73% 10.61%
Return on Equity Simple (ROE_SIMPLE)		 12.06% 0.00% 10.24% 9.70% 9.19% 0.00% 9.48% 10.13% 10.48% 0.00% 10.45%
Net Operating Profit after Tax (NOPAT)		 9.75 9.39 9.20 8.12 9.44 9.67 11 11 12 11 11
NOPAT Margin		 28.77% 28.65% 28.35% 24.49% 27.70% 27.47% 30.66% 30.57% 32.65% 29.99% 29.72%
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% 0.00%
SG&A Expenses to Revenue		 53.19% 52.05% 54.25% 55.60% 55.23% 53.53% 51.13% 51.05% 50.59% 51.22% 50.41%
Operating Expenses to Revenue		 62.93% 62.89% 64.31% 65.79% 65.32% 63.48% 60.35% 60.45% 59.54% 60.57% 60.02%
Earnings before Interest and Taxes (EBIT)		 12 11 11 10 12 12 14 14 16 15 14
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 14 13 13 12 13 14 15 16 17 16 16
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.73 0.90 0.83 0.86 0.91 0.94 0.88 0.99 1.00 1.03 1.06
Price to Tangible Book Value (P/TBV)		 0.98 1.18 1.08 1.11 1.16 1.19 1.11 1.25 1.25 1.28 1.31
Price to Revenue (P/Rev)		 1.82 2.45 2.32 2.45 2.70 2.75 2.56 2.84 2.90 3.01 3.12
Price to Earnings (P/E)		 6.08 8.26 8.09 8.87 9.90 10.19 9.25 9.76 9.53 9.73 10.17
Dividend Yield		 3.95% 2.45% 2.64% 2.51% 2.26% 2.20% 2.36% 2.03% 2.02% 1.99% 1.96%
Earnings Yield		 16.46% 12.11% 12.36% 11.27% 10.10% 9.81% 10.81% 10.25% 10.49% 10.28% 9.83%
Enterprise Value to Invested Capital (EV/IC)		 0.74 0.82 0.75 0.75 0.73 0.80 0.74 0.79 0.61 0.74 0.61
Enterprise Value to Revenue (EV/Rev)		 3.68 3.76 3.40 3.69 3.44 3.77 3.37 3.09 2.03 2.45 2.01
Enterprise Value to EBITDA (EV/EBITDA)		 8.50 8.77 8.20 9.27 8.75 9.73 8.57 7.55 4.79 5.68 4.72
Enterprise Value to EBIT (EV/EBIT)		 9.82 10.15 9.51 10.80 10.19 11.25 9.80 8.52 5.34 6.28 5.18
Enterprise Value to NOPAT (EV/NOPAT)		 12.30 12.64 11.84 13.40 12.59 13.95 12.20 10.62 6.69 7.91 6.54
Enterprise Value to Operating Cash Flow (EV/OCF)		 11.20 12.30 10.78 10.05 8.57 10.43 9.14 9.82 6.09 6.68 5.17
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 3.96 5.23 4.63 20.55 26.21 3.17 1.60 1.97 1.75
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.99 0.69 0.63 0.74 0.59 0.59 0.55 0.36 0.15 0.13 0.12
Long-Term Debt to Equity		 0.98 0.67 0.25 0.37 0.24 0.58 0.54 0.35 0.14 0.13 0.12
Financial Leverage		 0.65 0.70 0.79 0.89 0.78 0.64 0.59 0.54 0.36 0.35 0.33
Leverage Ratio		 9.80 9.39 9.23 9.28 9.15 8.86 8.83 8.80 8.49 8.35 8.31
Compound Leverage Factor		 9.80 9.39 9.23 9.28 9.15 8.86 8.83 8.80 8.49 8.35 8.31
Debt to Total Capital		 49.87% 40.73% 38.54% 42.55% 37.23% 37.29% 35.66% 26.62% 13.00% 11.71% 10.96%
Short-Term Debt to Total Capital		 0.80% 0.89% 23.20% 21.48% 22.42% 0.88% 0.88% 0.99% 1.14% 0.00% 0.00%
Long-Term Debt to Total Capital		 49.07% 39.84% 15.34% 21.07% 14.81% 36.41% 34.78% 25.63% 11.86% 11.71% 10.96%
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% 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% 0.00%
Common Equity to Total Capital		 50.13% 59.27% 61.46% 57.45% 62.77% 62.71% 64.34% 73.38% 87.00% 88.29% 89.04%
Debt to EBITDA		 5.70 4.35 4.24 5.29 4.49 4.51 4.11 2.55 1.02 0.90 0.85
Net Debt to EBITDA		 4.30 3.04 2.60 3.13 1.87 2.62 2.07 0.61 -2.04 -1.31 -2.62
Long-Term Debt to EBITDA		 5.61 4.26 1.69 2.62 1.78 4.40 4.01 2.45 0.93 0.90 0.85
Debt to NOPAT		 8.25 6.27 6.12 7.64 6.46 6.47 5.85 3.58 1.43 1.25 1.18
Net Debt to NOPAT		 6.22 4.39 3.75 4.52 2.70 3.76 2.95 0.86 -2.85 -1.82 -3.63
Long-Term Debt to NOPAT		 8.12 6.14 2.44 3.78 2.57 6.31 5.70 3.45 1.30 1.25 1.18
Noncontrolling Interest Sharing Ratio		 0.00% 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)		 -278 -45 85 65 72 -2.02 -9.45 108 153 150 138
Operating Cash Flow to CapEx		 3,426.96% 2,049.70% 831.16% 924.64% 3,542.45% 1,293.13% 328.44% 1,244.52% 2,579.71% 253.45% 714.36%
Free Cash Flow to Firm to Interest Expense		 -22.13 -3.18 5.58 4.04 4.21 -0.12 -0.61 7.10 10.12 10.24 10.44
Operating Cash Flow to Interest Expense		 1.04 0.72 0.68 0.93 1.04 0.36 0.81 0.57 1.42 0.80 1.27
Operating Cash Flow Less CapEx to Interest Expense		 1.01 0.69 0.60 0.83 1.01 0.33 0.57 0.53 1.37 0.48 1.09
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04
Fixed Asset Turnover		 3.23 3.16 3.12 3.08 3.11 3.20 3.15 3.22 3.32 3.26 3.16
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 689 620 606 654 627 632 626 557 486 493 499
Invested Capital Turnover		 0.26 0.23 0.21 0.19 0.20 0.22 0.22 0.23 0.26 0.26 0.27
Increase / (Decrease) in Invested Capital		 288 54 -76 -57 -62 12 20 -97 -141 -139 -127
Enterprise Value (EV)		 512 509 451 488 455 508 466 440 296 364 304
Market Capitalization		 253 332 308 323 358 371 353 404 423 448 472
Book Value per Share		 $42.14 $45.10 $45.68 $46.24 $48.76 $49.04 $49.75 $52.40 $54.06 $55.58 $56.71
Tangible Book Value per Share		 $31.55 $34.50 $35.13 $35.69 $38.18 $38.51 $39.28 $41.57 $43.30 $44.86 $46.03
Total Capital		 689 620 606 654 627 632 626 557 486 493 499
Total Debt		 344 252 233 278 233 236 223 148 63 58 55
Total Long-Term Debt		 338 247 93 138 93 230 218 143 58 58 55
Net Debt		 259 177 143 165 97 137 113 36 -126 -84 -169
Capital Expenditures (CapEx)		 0.38 0.50 1.24 1.62 0.50 0.45 3.83 0.70 0.83 4.61 2.35
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 344 252 233 278 233 236 223 148 63 58 55
Total Depreciation and Amortization (D&A)		 1.92 1.92 1.82 1.76 1.81 1.67 1.59 1.55 1.55 1.41 1.27
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.22 $1.18 $1.15 $1.02 $1.19 $1.22 $1.38 $1.47 $1.60 $1.48 $1.47
Adjusted Weighted Average Basic Shares Outstanding		 8.15M 8.15M 8.13M 8.07M 8.08M 8.10M 7.80M 7.82M 7.83M 7.84M 7.84M
Adjusted Diluted Earnings per Share		 $1.22 $1.17 $1.14 $1.02 $1.18 $1.21 $1.37 $1.45 $1.59 $1.46 $1.45
Adjusted Weighted Average Diluted Shares Outstanding		 8.15M 8.15M 8.13M 8.07M 8.08M 8.10M 7.80M 7.82M 7.83M 7.84M 7.84M
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 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 8.15M 8.15M 8.13M 8.07M 8.08M 8.10M 7.80M 7.82M 7.83M 7.84M 7.84M
Normalized Net Operating Profit after Tax (NOPAT)		 9.75 9.39 9.20 8.12 9.44 9.67 11 11 12 11 11
Normalized NOPAT Margin		 28.77% 28.65% 28.35% 24.49% 27.70% 27.47% 30.66% 30.57% 32.65% 29.99% 29.72%
Pre Tax Income Margin		 36.04% 35.08% 35.26% 30.41% 34.27% 34.04% 38.55% 38.23% 41.07% 38.16% 37.57%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.97 0.81 0.75 0.63 0.69 0.74 0.89 0.93 1.03 0.99 1.08
NOPAT to Interest Expense		 0.78 0.66 0.60 0.51 0.56 0.60 0.71 0.74 0.82 0.78 0.86
EBIT Less CapEx to Interest Expense		 0.94 0.78 0.67 0.53 0.66 0.71 0.64 0.88 0.97 0.68 0.91
NOPAT Less CapEx to Interest Expense		 0.75 0.63 0.52 0.40 0.53 0.57 0.46 0.70 0.76 0.46 0.68
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 19.63% 20.43% 21.48% 22.38% 22.49% 22.48% 21.83% 20.31% 19.54% 19.51% 19.87%
Augmented Payout Ratio		 31.68% 33.50% 36.56% 37.31% 36.95% 35.59% 52.68% 57.56% 52.64% 50.68% 34.44%

Financials Breakdown Chart

Key Financial Trends

Home Bancorp (NASDAQ: HBCP) showed steady profitability in Q1 2026, with earnings holding up well even as the balance sheet expanded and deposit funding improved. The quarter was marked by solid net interest income, manageable credit costs, strong operating cash flow, and a higher equity base than a year ago. At the same time, the company still carries meaningful debt and its noninterest expenses remain elevated relative to revenue growth.

  • Q1 2026 net income was $11.4 million, essentially flat versus $11.4 million in Q4 2025 and up from $11.0 million in Q1 2025.
  • Basic EPS came in at $1.47 in Q1 2026, slightly above $1.45 a year ago in Q1 2025.
  • Net interest income rose to $34.5 million, supported by $47.7 million of interest income and a lower interest expense burden than the prior quarter.
  • Operating cash flow was strong at $16.8 million in Q1 2026, compared with $11.7 million in Q4 2025 and $12.6 million in Q1 2025.
  • Cash and due from banks increased to $223.5 million from $110.7 million at Q1 2025, giving the bank a stronger liquidity cushion.
  • Total common equity rose to $444.4 million, up from $402.8 million in Q1 2025, indicating balance-sheet growth and retained earnings accumulation.
  • Deposits grew meaningfully sequentially, with net change in deposits of $54.0 million in Q1 2026 after a $3.0 million decline in Q4 2025.
  • Loans and leases continued to grow year over year, reaching $2.73 billion in Q1 2026 versus $2.75 billion in Q1 2025, while net loans were $2.69 billion.
  • The allowance for loan and lease losses was $33.7 million in Q1 2026, modestly above $33.3 million in Q1 2025, suggesting ongoing reserve maintenance.
  • Total non-interest expense remained high at $22.9 million in Q1 2026, limiting profitability leverage even though revenue was solid.

On the revenue side, Home Bancorp has been relatively stable over the last year. Quarterly total revenue ranged from about $35.8 million to $38.2 million in the recent periods, with Q1 2026 at $38.2 million. That consistency is important for a regional bank, especially in a higher-rate environment where funding costs can move quickly.

Credit quality appears manageable based on the numbers provided. The Q1 2026 provision for credit losses was $922,000, up from $480,000 in Q4 2025 and $394,000 in Q1 2025, but still not alarmingly high for a bank with more than $2.7 billion in loans. That said, the higher provision versus the prior year suggests management is remaining cautious.

The balance sheet is larger and more liquid than it was a year ago, but leverage is still noticeable. Total assets reached $3.55 billion in Q1 2026, up from $3.49 billion in Q1 2025. Liabilities also increased, driven largely by deposits and debt. Long-term debt was $54.7 million in Q1 2026, down from $217.8 million in Q1 2025, while short-term debt was not shown in Q1 2026, which may indicate a cleaner funding mix than earlier periods.

Overall, HBCP looks like a steady community/regional bank with consistent earnings, decent cash generation, and improving liquidity. The main things investors should watch are whether deposit growth remains healthy, whether credit losses stay contained, and whether the bank can keep expense growth from outpacing revenue gains.

07/14/26 02:26 AM ETAI Generated. May Contain Errors.

Home Bancorp Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Home Bancorp's fiscal year ends in December. Their fiscal year 2025 ended on December 31, 2025.

Home Bancorp's net income appears to be on an upward trend, with a most recent value of $46.06 million in 2025, rising from $12.55 million in 2015. The previous period was $36.43 million in 2024. See where experts think Home Bancorp is headed by visiting Home Bancorp's forecast page.

Over the last 10 years, Home Bancorp's total revenue changed from $63.31 million in 2015 to $148.72 million in 2025, a change of 134.9%.

Home Bancorp's total liabilities were at $3.06 billion at the end of 2025, a 0.3% increase from 2024, and a 120.5% increase since 2015.

In the past 10 years, Home Bancorp's cash and equivalents has ranged from $24.80 million in 2015 to $601.44 million in 2021, and is currently $141.61 million as of their latest financial filing in 2025.

Over the last 10 years, Home Bancorp's book value per share changed from 22.82 in 2015 to 55.58 in 2025, a change of 143.6%.


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Financial statements for NASDAQ:HBCP last updated on 7/2/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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