HOME BANCORP INC (HBCP) Fundamental Analysis & Valuation

NASDAQ:HBCP • US43689E1073

Current stock price

61.96 USD
-0.56 (-0.9%)
At close:
61.96 USD
0 (0%)
After Hours:

This HBCP fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. HBCP Profitability Analysis

1.1 Basic Checks

  • In the past year HBCP was profitable.
  • HBCP had a positive operating cash flow in the past year.
  • Each year in the past 5 years HBCP has been profitable.
  • HBCP had a positive operating cash flow in each of the past 5 years.
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

  • Looking at the Return On Assets, with a value of 1.32%, HBCP belongs to the top of the industry, outperforming 80.32% of the companies in the same industry.
  • Looking at the Return On Equity, with a value of 10.59%, HBCP is in the better half of the industry, outperforming 63.83% of the companies in the same industry.
Industry RankSector Rank
ROA 1.32%
ROE 10.59%
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

  • Looking at the Profit Margin, with a value of 30.97%, HBCP is in the better half of the industry, outperforming 78.19% of the companies in the same industry.
  • In the last couple of years the Profit Margin of HBCP has grown nicely.
  • HBCP does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 30.97%
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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4

2. HBCP Health Analysis

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.
  • 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 1.23, which is an excellent value as it means it would take HBCP, only 1.23 years of fcf income to pay off all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 1.23, HBCP is in the better half of the industry, outperforming 61.17% of the companies in the same industry.
  • HBCP has a Debt/Equity ratio of 0.13. This is a healthy value indicating a solid balance between debt and equity.
  • HBCP's Debt to Equity ratio of 0.13 is in line compared to the rest of the industry. HBCP outperforms 59.57% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.13
Debt/FCF 1.23
Altman-Z N/A
ROIC/WACCN/A
WACC14.7%
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

4

3. HBCP Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 24.48% over the past year.
  • HBCP shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 15.39% yearly.
  • Looking at the last year, HBCP shows a quite strong growth in Revenue. The Revenue has grown by 9.39% in the last year.
  • The Revenue has been growing slightly by 6.91% on average over the past years.
EPS 1Y (TTM)24.48%
EPS 3Y11.28%
EPS 5Y15.39%
EPS Q2Q%5.84%
Revenue 1Y (TTM)9.39%
Revenue growth 3Y4.08%
Revenue growth 5Y6.91%
Sales Q2Q%20.38%

3.2 Future

  • The Earnings Per Share is expected to grow by 3.33% on average over the next years.
  • HBCP is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.19% yearly.
EPS Next Y1.52%
EPS Next 2Y3.33%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year6.42%
Revenue Next 2Y5.19%
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.
  • 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.
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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5

4. HBCP Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 10.41, the valuation of HBCP can be described as very reasonable.
  • Compared to the rest of the industry, the Price/Earnings ratio of HBCP indicates a somewhat cheap valuation: HBCP is cheaper than 74.73% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 27.42, HBCP is valued rather cheaply.
  • HBCP is valuated reasonably with a Price/Forward Earnings ratio of 9.89.
  • HBCP's Price/Forward Earnings ratio is in line with the industry average.
  • HBCP's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.24.
Industry RankSector Rank
PE 10.41
Fwd PE 9.89
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

  • HBCP's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. HBCP is cheaper than 63.83% of the companies in the same industry.
Industry RankSector Rank
P/FCF 10.95
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)6.84
PEG (5Y)0.68
EPS Next 2Y3.33%
EPS Next 3YN/A

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

5

5. HBCP Dividend Analysis

5.1 Amount

  • HBCP has a Yearly Dividend Yield of 1.98%. Purely for dividend investing, there may be better candidates out there.
  • HBCP's Dividend Yield is slightly below the industry average, which is at 2.56.
  • Compared to an average S&P500 Dividend Yield of 1.81, HBCP has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 1.98%

5.2 History

  • The dividend of HBCP has a limited annual growth rate of 5.16%.
  • 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)5.16%
Div Incr Years11
Div Non Decr Years11
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

  • 19.51% of the earnings are spent on dividend by HBCP. This is a low number and sustainable payout ratio.
  • The dividend of HBCP is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP19.51%
EPS Next 2Y3.33%
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

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HBCP Fundamentals: All Metrics, Ratios and Statistics

HOME BANCORP INC

NASDAQ:HBCP (4/24/2026, 5:31:18 PM)

After market: 61.96 0 (0%)

61.96

-0.56 (-0.9%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-20
Earnings (Next)07-20
Inst Owners50.05%
Inst Owner Change0.04%
Ins Owners5.75%
Ins Owner Change0.06%
Market Cap485.77M
Revenue(TTM)151.18M
Net Income(TTM)46.06M
Analysts80
Price Target66.94 (8.04%)
Short Float %1.51%
Short Ratio0.97
Dividend
Industry RankSector Rank
Dividend Yield 1.98%
Yearly Dividend1.13
Dividend Growth(5Y)5.16%
DP19.51%
Div Incr Years11
Div Non Decr Years11
Ex-Date02-09
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)8.8%
Min EPS beat(2)2.98%
Max EPS beat(2)14.62%
EPS beat(4)4
Avg EPS beat(4)12.9%
Min EPS beat(4)2.98%
Max EPS beat(4)17.48%
EPS beat(8)8
Avg EPS beat(8)11.54%
EPS beat(12)12
Avg EPS beat(12)11.45%
EPS beat(16)14
Avg EPS beat(16)7.17%
Revenue beat(2)0
Avg Revenue beat(2)-3.52%
Min Revenue beat(2)-6.76%
Max Revenue beat(2)-0.29%
Revenue beat(4)2
Avg Revenue beat(4)-1.09%
Min Revenue beat(4)-6.76%
Max Revenue beat(4)1.97%
Revenue beat(8)5
Avg Revenue beat(8)0.06%
Revenue beat(12)6
Avg Revenue beat(12)0.13%
Revenue beat(16)10
Avg Revenue beat(16)3.03%
PT rev (1m)0.96%
PT rev (3m)5%
EPS NQ rev (1m)-0.42%
EPS NQ rev (3m)1.77%
EPS NY rev (1m)0.16%
EPS NY rev (3m)2.38%
Revenue NQ rev (1m)-1.6%
Revenue NQ rev (3m)2.31%
Revenue NY rev (1m)-1.65%
Revenue NY rev (3m)3.05%
Valuation
Industry RankSector Rank
PE 10.41
Fwd PE 9.89
P/S 3.27
P/FCF 10.95
P/OCF 8.91
P/B 1.12
P/tB 1.38
EV/EBITDA N/A
EPS(TTM)5.95
EY9.6%
EPS(NY)6.27
Fwd EY10.12%
FCF(TTM)5.66
FCFY9.13%
OCF(TTM)6.95
OCFY11.22%
SpS18.97
BVpS55.5
TBVpS44.79
PEG (NY)6.84
PEG (5Y)0.68
Graham Number86.1952 (39.11%)
Profitability
Industry RankSector Rank
ROA 1.32%
ROE 10.59%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 30.97%
GM N/A
FCFM 29.82%
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 0.13
Debt/FCF 1.23
Debt/EBITDA N/A
Cap/Depr 307.04%
Cap/Sales 6.84%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 96.27%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score9
WACC14.7%
ROIC/WACCN/A
Cap/Depr(3y)159.88%
Cap/Depr(5y)127.59%
Cap/Sales(3y)3.78%
Cap/Sales(5y)3.1%
Profit Quality(3y)105.55%
Profit Quality(5y)113.71%
High Growth Momentum
Growth
EPS 1Y (TTM)24.48%
EPS 3Y11.28%
EPS 5Y15.39%
EPS Q2Q%5.84%
EPS Next Y1.52%
EPS Next 2Y3.33%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)9.39%
Revenue growth 3Y4.08%
Revenue growth 5Y6.91%
Sales Q2Q%20.38%
Revenue Next Year6.42%
Revenue Next 2Y5.19%
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-0.74%
FCF growth 3Y-2.94%
FCF growth 5Y-1.11%
OCF growth 1Y11.85%
OCF growth 3Y2.11%
OCF growth 5Y2.14%

HOME BANCORP INC / HBCP Fundamental Analysis 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.


Can you provide the profitability details for HOME BANCORP INC?

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


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 1.52% in the next year.


Is the dividend of HOME BANCORP INC sustainable?

The dividend rating of HOME BANCORP INC (HBCP) is 5 / 10 and the dividend payout ratio is 19.51%.