60.31 USD
+0.34 (+0.57%)
60.31 USD
0 (0%)
We assign a fundamental rating of 5 out of 10 to HBCP. HBCP was compared to 387 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.
1. Profitability
1.1 Basic Checks
In the past year HBCP was profitable.
HBCP had a positive operating cash flow in the past year.
HBCP had positive earnings in each of the past 5 years.
In the past 5 years HBCP always reported a positive cash flow from operatings.
1.2 Ratios
HBCP has a better Return On Assets (1.27%) than 81.40% of its industry peers.
The Return On Equity of HBCP (10.48%) is better than 67.96% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.27% | ||
| ROE | 10.48% | ||
| ROIC | N/A |
ROA(3y)1.11%
ROA(5y)1.19%
ROE(3y)10.16%
ROE(5y)10.4%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
The Profit Margin of HBCP (30.38%) is better than 80.62% of its industry peers.
In the last couple of years the Profit Margin of HBCP has remained more or less at the same level.
HBCP does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 30.38% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-13.3%
PM growth 5Y-0.57%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
HBCP does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for HBCP has been reduced compared to 1 year ago.
HBCP has less shares outstanding than it did 5 years ago.
The debt/assets ratio for HBCP has been reduced compared to a year ago.
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's Debt to FCF ratio of 1.41 is in line compared to the rest of the industry. HBCP outperforms 56.85% of its industry peers.
A Debt/Equity ratio of 0.14 indicates that HBCP is not too dependend on debt financing.
HBCP's Debt to Equity ratio of 0.14 is in line compared to the rest of the industry. HBCP outperforms 56.33% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.14 | ||
| Debt/FCF | 1.41 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC12.94%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 24.61% over the past year.
The Earnings Per Share has been growing by 8.40% on average over the past years. This is quite good.
The Revenue has grown by 10.16% in the past year. This is quite good.
The Revenue has been growing slightly by 6.08% on average over the past years.
EPS 1Y (TTM)24.61%
EPS 3Y-7.61%
EPS 5Y8.4%
EPS Q2Q%34.75%
Revenue 1Y (TTM)10.16%
Revenue growth 3Y4.77%
Revenue growth 5Y6.08%
Sales Q2Q%12.26%
3.2 Future
HBCP is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 10.02% yearly.
HBCP is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 8.11% yearly.
EPS Next Y30.02%
EPS Next 2Y13.11%
EPS Next 3Y10.02%
EPS Next 5YN/A
Revenue Next Year12.17%
Revenue Next 2Y7.63%
Revenue Next 3Y8.11%
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 stable.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 10.73 indicates a reasonable valuation of HBCP.
Based on the Price/Earnings ratio, HBCP is valued a bit cheaper than the industry average as 74.68% of the companies are valued more expensively.
HBCP is valuated cheaply when we compare the Price/Earnings ratio to 26.54, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 10.36, the valuation of HBCP can be described as very reasonable.
HBCP's Price/Forward Earnings is on the same level as the industry average.
HBCP is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.78, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.73 | ||
| Fwd PE | 10.36 |
4.2 Price Multiples
HBCP's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. HBCP is cheaper than 61.24% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.1 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.36
PEG (5Y)1.28
EPS Next 2Y13.11%
EPS Next 3Y10.02%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.17%, HBCP has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.11, HBCP is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.27, HBCP has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.17% |
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 its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)3.7%
Div Incr Years10
Div Non Decr Years10
5.3 Sustainability
HBCP pays out 19.54% of its income as dividend. This is a sustainable payout ratio.
The dividend of HBCP is growing, but earnings are growing more, so the dividend growth is sustainable.
DP19.54%
EPS Next 2Y13.11%
EPS Next 3Y10.02%
60.31
+0.34 (+0.57%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners50.46%
Inst Owner Change4.72%
Ins Owners5.26%
Ins Owner Change0.1%
Market Cap472.23M
Revenue(TTM)145.88M
Net Income(TTM)44.32M
Analysts78
Price Target63.75 (5.7%)
Short Float %1.14%
Short Ratio3.04
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.17% |
Yearly Dividend1.01
Dividend Growth(5Y)3.7%
DP19.54%
Div Incr Years10
Div Non Decr Years10
Ex-Date
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)0%
PT rev (3m)0.4%
EPS NQ rev (1m)0%
EPS NQ rev (3m)4.32%
EPS NY rev (1m)0%
EPS NY rev (3m)5.17%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)6.23%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.64%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.73 | ||
| Fwd PE | 10.36 | ||
| P/S | 3.24 | ||
| P/FCF | 11.1 | ||
| P/OCF | 9.71 | ||
| P/B | 1.12 | ||
| P/tB | 1.39 | ||
| EV/EBITDA | N/A |
EPS(TTM)5.62
EY9.32%
EPS(NY)5.82
Fwd EY9.65%
FCF(TTM)5.43
FCFY9.01%
OCF(TTM)6.21
OCFY10.3%
SpS18.63
BVpS54.03
TBVpS43.27
PEG (NY)0.36
PEG (5Y)1.28
Graham Number82.66
Profitability
| Industry Rank | Sector 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)1.11%
ROA(5y)1.19%
ROE(3y)10.16%
ROE(5y)10.4%
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 3Y-13.3%
PM growth 5Y-0.57%
GM growth 3YN/A
GM growth 5YN/A
F-Score9
Asset Turnover0.04
Health
| Industry Rank | Sector 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
WACC12.94%
ROIC/WACCN/A
Cap/Depr(3y)83.57%
Cap/Depr(5y)79.54%
Cap/Sales(3y)2.18%
Cap/Sales(5y)2.14%
Profit Quality(3y)120.9%
Profit Quality(5y)132.26%
High Growth Momentum
Growth
EPS 1Y (TTM)24.61%
EPS 3Y-7.61%
EPS 5Y8.4%
EPS Q2Q%34.75%
EPS Next Y30.02%
EPS Next 2Y13.11%
EPS Next 3Y10.02%
EPS Next 5YN/A
Revenue 1Y (TTM)10.16%
Revenue growth 3Y4.77%
Revenue growth 5Y6.08%
Sales Q2Q%12.26%
Revenue Next Year12.17%
Revenue Next 2Y7.63%
Revenue Next 3Y8.11%
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-1.89%
FCF growth 3Y-5.69%
FCF growth 5Y2.18%
OCF growth 1Y6.46%
OCF growth 3Y-4.37%
OCF growth 5Y2.09%
HOME BANCORP INC / HBCP FAQ
Can you provide the ChartMill fundamental rating for HOME BANCORP INC?
ChartMill assigns a fundamental rating of 5 / 10 to HBCP.
What is the valuation status of HOME BANCORP INC (HBCP) stock?
ChartMill assigns a valuation rating of 6 / 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.
Can you provide the PE and PB ratios for HBCP stock?
The Price/Earnings (PE) ratio for HOME BANCORP INC (HBCP) is 10.73 and the Price/Book (PB) ratio is 1.12.
Can you provide the dividend sustainability for HBCP stock?
The dividend rating of HOME BANCORP INC (HBCP) is 6 / 10 and the dividend payout ratio is 19.54%.