HOME BANCORP INC (HBCP) Stock Fundamental Analysis

NASDAQ:HBCP • US43689E1073

59.3 USD
-2.73 (-4.4%)
At close: Feb 23, 2026
59.3 USD
0 (0%)
After Hours: 2/23/2026, 8:00:02 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to HBCP. HBCP was compared to 379 industry peers in the Banks industry. While HBCP is still in line with the averages on profitability rating, there are concerns on its financial health. HBCP is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • HBCP had positive earnings in the past year.
  • HBCP had a positive operating cash flow in the past year.
  • Each year in the past 5 years HBCP has been profitable.
  • Of the past 5 years HBCP 4 years had a positive operating cash flow.
HBCP Yearly Net Income VS EBIT VS OCF VS FCFHBCP Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M 50M

1.2 Ratios

  • HBCP has a Return On Assets of 1.27%. This is in the better half of the industry: HBCP outperforms 79.68% of its industry peers.
  • Looking at the Return On Equity, with a value of 10.48%, HBCP is in the better half of the industry, outperforming 67.55% of the companies in the same industry.
Industry RankSector Rank
ROA 1.27%
ROE 10.48%
ROIC N/A
ROA(3y)1.2%
ROA(5y)1.26%
ROE(3y)10.24%
ROE(5y)10.97%
ROIC(3y)N/A
ROIC(5y)N/A
HBCP Yearly ROA, ROE, ROICHBCP Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • HBCP has a better Profit Margin (30.38%) than 78.89% of its industry peers.
  • HBCP's Profit Margin has improved in the last couple of years.
  • The Operating Margin and Gross Margin are not available for HBCP so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 30.38%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y6.24%
PM growth 5Y5.87%
GM growth 3YN/A
GM growth 5YN/A
HBCP Yearly Profit, Operating, Gross MarginsHBCP Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30 40

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. Health

2.1 Basic Checks

  • HBCP does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, HBCP has less shares outstanding
  • The number of shares outstanding for HBCP has been reduced compared to 5 years ago.
  • The debt/assets ratio for HBCP has been reduced compared to a year ago.
HBCP Yearly Shares OutstandingHBCP Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2M 4M 6M 8M
HBCP Yearly Total Debt VS Total AssetsHBCP Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B

2.2 Solvency

  • The Debt to FCF ratio of HBCP is 1.41, which is an excellent value as it means it would take HBCP, only 1.41 years of fcf income to pay off all of its debts.
  • HBCP has a Debt to FCF ratio (1.41) which is comparable to the rest of the industry.
  • A Debt/Equity ratio of 0.14 indicates that HBCP is not too dependend on debt financing.
  • HBCP has a Debt to Equity ratio of 0.14. This is comparable to the rest of the industry: HBCP outperforms 56.99% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.14
Debt/FCF 1.41
Altman-Z N/A
ROIC/WACCN/A
WACC12.78%
HBCP Yearly LT Debt VS Equity VS FCFHBCP Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
HBCP Yearly Current Assets VS Current LiabilitesHBCP Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 29.01% over the past year.
  • The Earnings Per Share has been growing by 15.39% on average over the past years. This is quite good.
  • The Revenue has grown by 10.25% in the past year. This is quite good.
  • The Revenue has been growing slightly by 6.91% on average over the past years.
EPS 1Y (TTM)29.01%
EPS 3Y11.28%
EPS 5Y15.39%
EPS Q2Q%20.66%
Revenue 1Y (TTM)10.25%
Revenue growth 3Y4.08%
Revenue growth 5Y6.91%
Sales Q2Q%6.93%

3.2 Future

  • The Earnings Per Share is expected to grow by 3.24% on average over the next years.
  • HBCP is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 8.39% yearly.
EPS Next Y0.78%
EPS Next 2Y3.24%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year12.23%
Revenue Next 2Y8.39%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
HBCP Yearly Revenue VS EstimatesHBCP Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 50M 100M 150M
HBCP Yearly EPS VS EstimatesHBCP Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2 4 6

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Find the best growth stocksShow best growing peers

5

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 10.10 indicates a reasonable valuation of HBCP.
  • HBCP's Price/Earnings ratio is rather cheap when compared to the industry. HBCP is cheaper than 80.47% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of HBCP to the average of the S&P500 Index (26.64), we can say HBCP is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 10.02, the valuation of HBCP can be described as very reasonable.
  • Based on the Price/Forward Earnings ratio, HBCP is valued a bit cheaper than 61.21% of the companies in the same industry.
  • HBCP is valuated cheaply when we compare the Price/Forward Earnings ratio to 27.75, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 10.1
Fwd PE 10.02
HBCP Price Earnings VS Forward Price EarningsHBCP Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, HBCP is valued a bit cheaper than the industry average as 62.80% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 10.91
EV/EBITDA N/A
HBCP Per share dataHBCP EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40 50

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)12.89
PEG (5Y)0.66
EPS Next 2Y3.24%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 2.04%, HBCP has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.74, HBCP is paying slightly less dividend.
  • Compared to an average S&P500 Dividend Yield of 1.80, HBCP has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.04%

5.2 History

  • The dividend of HBCP has a limited annual growth rate of 3.70%.
  • HBCP has been paying a dividend for at least 10 years, so it has a reliable track record.
  • HBCP has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)3.7%
Div Incr Years10
Div Non Decr Years10
HBCP Yearly Dividends per shareHBCP Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • HBCP pays out 19.54% of its income as dividend. This is a sustainable payout ratio.
  • HBCP's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP19.54%
EPS Next 2Y3.24%
EPS Next 3YN/A
HBCP Yearly Income VS Free CF VS DividendHBCP Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M 50M
HBCP Dividend Payout.HBCP Dividend Payout, showing the Payout Ratio.HBCP Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

HOME BANCORP INC

NASDAQ:HBCP (2/23/2026, 8:00:02 PM)

After market: 59.3 0 (0%)

59.3

-2.73 (-4.4%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-26
Earnings (Next)04-20
Inst Owners50.34%
Inst Owner Change1.55%
Ins Owners5.26%
Ins Owner Change0.06%
Market Cap464.32M
Revenue(TTM)148.72M
Net Income(TTM)44.32M
Analysts78
Price Target66.3 (11.8%)
Short Float %1.31%
Short Ratio2.71
Dividend
Industry RankSector Rank
Dividend Yield 2.04%
Yearly Dividend1.01
Dividend Growth(5Y)3.7%
DP19.54%
Div Incr Years10
Div Non Decr Years10
Ex-Date02-09
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)15.57%
Min EPS beat(2)14.62%
Max EPS beat(2)16.52%
EPS beat(4)4
Avg EPS beat(4)13.87%
Min EPS beat(4)6.87%
Max EPS beat(4)17.48%
EPS beat(8)8
Avg EPS beat(8)12.32%
EPS beat(12)11
Avg EPS beat(12)11.04%
EPS beat(16)14
Avg EPS beat(16)7.03%
Revenue beat(2)1
Avg Revenue beat(2)0.84%
Min Revenue beat(2)-0.29%
Max Revenue beat(2)1.97%
Revenue beat(4)3
Avg Revenue beat(4)1.36%
Min Revenue beat(4)-0.29%
Max Revenue beat(4)3.03%
Revenue beat(8)5
Avg Revenue beat(8)0.61%
Revenue beat(12)7
Avg Revenue beat(12)1.58%
Revenue beat(16)11
Avg Revenue beat(16)4.12%
PT rev (1m)4%
PT rev (3m)4%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)1.64%
EPS NY rev (3m)1.64%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)8.68%
Revenue NY rev (3m)8.68%
Valuation
Industry RankSector Rank
PE 10.1
Fwd PE 10.02
P/S 3.18
P/FCF 10.91
P/OCF 9.54
P/B 1.1
P/tB 1.37
EV/EBITDA N/A
EPS(TTM)5.87
EY9.9%
EPS(NY)5.92
Fwd EY9.98%
FCF(TTM)5.43
FCFY9.16%
OCF(TTM)6.21
OCFY10.48%
SpS18.63
BVpS54.03
TBVpS43.27
PEG (NY)12.89
PEG (5Y)0.66
Graham Number84.47
Profitability
Industry RankSector Rank
ROA 1.27%
ROE 10.48%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 30.38%
GM N/A
FCFM 29.17%
ROA(3y)1.2%
ROA(5y)1.26%
ROE(3y)10.24%
ROE(5y)10.97%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y6.24%
PM growth 5Y5.87%
GM growth 3YN/A
GM growth 5YN/A
F-Score9
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.14
Debt/FCF 1.41
Debt/EBITDA N/A
Cap/Depr 184.96%
Cap/Sales 4.18%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 95.99%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score9
WACC12.78%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)29.01%
EPS 3Y11.28%
EPS 5Y15.39%
EPS Q2Q%20.66%
EPS Next Y0.78%
EPS Next 2Y3.24%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)10.25%
Revenue growth 3Y4.08%
Revenue growth 5Y6.91%
Sales Q2Q%6.93%
Revenue Next Year12.23%
Revenue Next 2Y8.39%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-13.31%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-8.36%
OCF growth 3YN/A
OCF growth 5YN/A

HOME BANCORP INC / HBCP FAQ

Can you provide the ChartMill fundamental rating for HOME BANCORP INC?

ChartMill assigns a fundamental rating of 4 / 10 to HBCP.


Can you provide the valuation status for HOME BANCORP INC?

ChartMill assigns a valuation rating of 5 / 10 to HOME BANCORP INC (HBCP). This can be considered as Fairly Valued.


How profitable is HOME BANCORP INC (HBCP) stock?

HOME BANCORP INC (HBCP) has a profitability rating of 4 / 10.


What is the valuation of HOME BANCORP INC based on its PE and PB ratios?

The Price/Earnings (PE) ratio for HOME BANCORP INC (HBCP) is 10.1 and the Price/Book (PB) ratio is 1.1.


What is the earnings growth outlook for HOME BANCORP INC?

The Earnings per Share (EPS) of HOME BANCORP INC (HBCP) is expected to grow by 0.78% in the next year.