HOME BANCORP INC (HBCP)
US43689E1073 - Common Stock
Taking everything into account, HBCP scores 4 out of 10 in our fundamental rating. HBCP was compared to 412 industry peers in the Banks industry. HBCP has only an average score on both its financial health and profitability. HBCP has a valuation in line with the averages, but on the other hand it scores bad on growth.
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.
In the past 5 years HBCP has always been profitable.
Each year in the past 5 years HBCP had a positive operating cash flow.
1.2 Ratios
HBCP's Return On Assets of 1.21% is fine compared to the rest of the industry. HBCP outperforms 77.91% of its industry peers.
Looking at the Return On Equity, with a value of 10.95%, HBCP is in the better half of the industry, outperforming 66.26% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.21% | ||
| ROE | 10.95% | ||
| ROIC | N/A |
ROA(3y)1.31%
ROA(5y)1.23%
ROE(3y)11.7%
ROE(5y)10.32%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
HBCP has a better Profit Margin (29.74%) than 74.51% of its industry peers.
HBCP's Profit Margin has been stable in the last couple of years.
The Operating Margin and Gross Margin are not available for HBCP so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 29.74% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y8.49%
PM growth 5Y-0.16%
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.
Compared to 1 year ago, HBCP has an improved debt to assets ratio.
2.2 Solvency
HBCP has a debt to FCF ratio of 1.52. This is a very positive value and a sign of high solvency as it would only need 1.52 years to pay back of all of its debts.
The Debt to FCF ratio of HBCP (1.52) is better than 66.99% of its industry peers.
HBCP has a Debt/Equity ratio of 0.16. This is a healthy value indicating a solid balance between debt and equity.
HBCP's Debt to Equity ratio of 0.16 is fine compared to the rest of the industry. HBCP outperforms 63.35% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.16 | ||
| Debt/FCF | 1.52 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.14%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
HBCP shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 17.61%, which is quite good.
HBCP shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 8.00% yearly.
HBCP shows a small growth in Revenue. In the last year, the Revenue has grown by 2.60%.
HBCP shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 5.13% yearly.
EPS 1Y (TTM)17.61%
EPS 3Y20.41%
EPS 5Y8%
EPS growth Q2Q-11.36%
Revenue 1Y (TTM)2.6%
Revenue growth 3Y8.31%
Revenue growth 5Y5.13%
Revenue growth Q2Q-10.55%
3.2 Future
HBCP is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -5.95% yearly.
Based on estimates for the next years, HBCP will show a small growth in Revenue. The Revenue will grow by 1.87% on average per year.
EPS Next Y-20.04%
EPS Next 2Y-5.95%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-2.8%
Revenue Next 2Y1.87%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
HBCP is valuated cheaply with a Price/Earnings ratio of 7.06.
Based on the Price/Earnings ratio, HBCP is valued cheaper than 87.62% of the companies in the same industry.
When comparing the Price/Earnings ratio of HBCP to the average of the S&P500 Index (24.80), we can say HBCP is valued rather cheaply.
With a Price/Forward Earnings ratio of 8.82, the valuation of HBCP can be described as very reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of HBCP indicates a somewhat cheap valuation: HBCP is cheaper than 74.76% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of HBCP to the average of the S&P500 Index (21.27), we can say HBCP is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.06 | ||
| Fwd PE | 8.82 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, HBCP is valued a bit cheaper than the industry average as 66.99% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.32 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
A cheap valuation may be justified as HBCP's earnings are expected to decrease with -5.95% in the coming years.
PEG (NY)N/A
PEG (5Y)0.88
EPS Next 2Y-5.95%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.97%, HBCP has a reasonable but not impressive dividend return.
HBCP's Dividend Yield is slightly below the industry average, which is at 3.91.
HBCP's Dividend Yield is a higher than the S&P500 average which is at 2.40.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.97% |
5.2 History
On average, the dividend of HBCP grows each year by 7.09%, which is quite nice.
HBCP has paid a dividend for at least 10 years, which is a reliable track record.
HBCP has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)7.09%
Div Incr Years9
Div Non Decr Years9
5.3 Sustainability
20.43% of the earnings are spent on dividend by HBCP. This is a low number and sustainable payout ratio.
DP20.43%
EPS Next 2Y-5.95%
EPS Next 3YN/A
HOME BANCORP INC
NASDAQ:HBCP (4/19/2024, 1:08:09 PM)
35.35
+1.75 (+5.21%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap288.10M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.97% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
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EPS beat(16)
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Revenue beat(2)
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PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.06 | ||
| Fwd PE | 8.82 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)0.88
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.21% | ||
| ROE | 10.95% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 29.74% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.16 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)17.61%
EPS 3Y20.41%
EPS 5Y
EPS growth Q2Q
EPS Next Y-20.04%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)2.6%
Revenue growth 3Y8.31%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y