HOME BANCORP INC (HBCP) Stock Fundamental Analysis
USA - NASDAQ:HBCP - US43689E1073 - Common Stock
53.05 USD
+0.06 (+0.11%)
HBCP gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 388 industry peers in the Banks industry. There are concerns on the financial health of HBCP while its profitability can be described as average. HBCP has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
In the past year HBCP was profitable.
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
With an excellent Return On Assets value of 1.27%, HBCP belongs to the best of the industry, outperforming 81.70% of the companies in the same industry.
HBCP's Return On Equity of 10.48% is fine compared to the rest of the industry. HBCP outperforms 68.56% 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
HBCP has a Profit Margin of 30.38%. This is amongst the best in the industry. HBCP outperforms 80.93% of its industry peers.
In the last couple of years the Profit Margin of HBCP has remained more or less at the same level.
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) | 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.
Compared to 5 years ago, HBCP has less shares outstanding
HBCP has a better debt/assets ratio than last year.
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 in line with its industry peers.
A Debt/Equity ratio of 0.14 indicates that HBCP is not too dependend on debt financing.
HBCP has a Debt to Equity ratio (0.14) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.14 | ||
| Debt/FCF | 1.41 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.27%
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.
Measured over the past years, HBCP shows a quite strong growth in Earnings Per Share. The EPS has been growing by 8.40% on average per year.
The Revenue has grown by 10.16% in the past year. This is quite good.
HBCP shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.08% yearly.
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
Based on estimates for the next years, HBCP will show a quite strong growth in Earnings Per Share. The EPS will grow by 10.02% on average per year.
Based on estimates for the next years, HBCP will show a quite strong growth in Revenue. The Revenue will grow by 8.11% on average per year.
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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
HBCP is valuated reasonably with a Price/Earnings ratio of 9.44.
77.06% of the companies in the same industry are more expensive than HBCP, based on the Price/Earnings ratio.
HBCP's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.07.
With a Price/Forward Earnings ratio of 9.11, the valuation of HBCP can be described as very reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of HBCP is on the same level as its industry peers.
When comparing the Price/Forward Earnings ratio of HBCP to the average of the S&P500 Index (34.08), we can say HBCP is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.44 | ||
| Fwd PE | 9.11 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of HBCP indicates a somewhat cheap valuation: HBCP is cheaper than 65.21% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.75 | ||
| 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)0.31
PEG (5Y)1.12
EPS Next 2Y13.11%
EPS Next 3Y10.02%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.26%, HBCP has a reasonable but not impressive dividend return.
HBCP's Dividend Yield is slightly below the industry average, which is at 3.39.
HBCP's Dividend Yield is comparable with the S&P500 average which is at 2.44.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.26% |
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
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%
NASDAQ:HBCP (11/21/2025, 11:37:04 AM)
53.05
+0.06 (+0.11%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners48.72%
Inst Owner Change4.81%
Ins Owners5.26%
Ins Owner Change0.18%
Market Cap414.85M
Revenue(TTM)145.88M
Net Income(TTM)44.32M
Analysts78
Price Target63.75 (20.17%)
Short Float %1.4%
Short Ratio3.5
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.26% |
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)0.4%
PT rev (3m)0.4%
EPS NQ rev (1m)4.32%
EPS NQ rev (3m)4.32%
EPS NY rev (1m)5.17%
EPS NY rev (3m)12.84%
Revenue NQ rev (1m)6.23%
Revenue NQ rev (3m)6.23%
Revenue NY rev (1m)0.64%
Revenue NY rev (3m)0.64%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.44 | ||
| Fwd PE | 9.11 | ||
| P/S | 2.84 | ||
| P/FCF | 9.75 | ||
| P/OCF | 8.53 | ||
| P/B | 0.98 | ||
| P/tB | 1.22 | ||
| EV/EBITDA | N/A |
EPS(TTM)5.62
EY10.59%
EPS(NY)5.82
Fwd EY10.97%
FCF(TTM)5.44
FCFY10.26%
OCF(TTM)6.22
OCFY11.73%
SpS18.66
BVpS54.1
TBVpS43.33
PEG (NY)0.31
PEG (5Y)1.12
Graham Number82.71
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
WACC13.27%
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 9.44 and the Price/Book (PB) ratio is 0.98.
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%.