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HOME BANCORP INC (HBCP) Stock Fundamental Analysis

NASDAQ:HBCP - Nasdaq - US43689E1073 - Common Stock - Currency: USD

49.42  -0.36 (-0.72%)

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to HBCP. HBCP was compared to 397 industry peers in the Banks industry. HBCP has an average financial health and profitability rating. HBCP has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

In the past year HBCP was profitable.
In the past year HBCP had a positive cash flow from operations.
Each year in the past 5 years HBCP has been profitable.
In the past 5 years HBCP always reported a positive cash flow from operatings.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M 50M

1.2 Ratios

With a decent Return On Assets value of 1.06%, HBCP is doing good in the industry, outperforming 71.79% of the companies in the same industry.
HBCP has a Return On Equity of 9.20%. This is comparable to the rest of the industry: HBCP outperforms 58.44% of its industry peers.
Industry RankSector Rank
ROA 1.06%
ROE 9.2%
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
HBCP Yearly ROA, ROE, ROICHBCP Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

Looking at the Profit Margin, with a value of 27.01%, HBCP is in the better half of the industry, outperforming 70.28% of the companies in the same industry.
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 RankSector Rank
OM N/A
PM (TTM) 27.01%
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
HBCP Yearly Profit, Operating, Gross MarginsHBCP Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30 40

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4

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.
HBCP has a better debt/assets ratio than last year.
HBCP Yearly Shares OutstandingHBCP Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M
HBCP Yearly Total Debt VS Total AssetsHBCP Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B

2.2 Solvency

The Debt to FCF ratio of HBCP is 1.34, which is an excellent value as it means it would take HBCP, only 1.34 years of fcf income to pay off all of its debts.
With a decent Debt to FCF ratio value of 1.34, HBCP is doing good in the industry, outperforming 66.00% of the companies in the same industry.
HBCP has a Debt/Equity ratio of 0.15. This is a healthy value indicating a solid balance between debt and equity.
HBCP has a Debt to Equity ratio (0.15) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.15
Debt/FCF 1.34
Altman-Z N/A
ROIC/WACCN/A
WACC13.62%
HBCP Yearly LT Debt VS Equity VS FCFHBCP Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M

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4

3. Growth

3.1 Past

The Earnings Per Share has been growing slightly by 0.84% over the past year.
The Earnings Per Share has been growing by 8.40% on average over the past years. This is quite good.
HBCP shows a decrease in Revenue. In the last year, the revenue decreased by -0.33%.
HBCP shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.08% yearly.
EPS 1Y (TTM)0.84%
EPS 3Y-7.61%
EPS 5Y8.4%
EPS Q2Q%20.18%
Revenue 1Y (TTM)-0.33%
Revenue growth 3Y4.77%
Revenue growth 5Y6.08%
Sales Q2Q%23.73%

3.2 Future

The Earnings Per Share is expected to grow by 6.19% on average over the next years.
The Revenue is expected to grow by 8.33% on average over the next years. This is quite good.
EPS Next Y6.11%
EPS Next 2Y6.19%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year12.11%
Revenue Next 2Y8.33%
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.
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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 50M 100M
HBCP Yearly EPS VS EstimatesHBCP Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3 4 5

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5

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 10.34, the valuation of HBCP can be described as very reasonable.
HBCP's Price/Earnings ratio is a bit cheaper when compared to the industry. HBCP is cheaper than 70.53% of the companies in the same industry.
HBCP is valuated cheaply when we compare the Price/Earnings ratio to 28.10, which is the current average of the S&P500 Index.
HBCP is valuated reasonably with a Price/Forward Earnings ratio of 9.63.
The rest of the industry has a similar Price/Forward Earnings ratio as HBCP.
HBCP is valuated cheaply when we compare the Price/Forward Earnings ratio to 20.74, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 10.34
Fwd PE 9.63
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 72.80% of the companies in the same industry.
Industry RankSector Rank
P/FCF 8.77
EV/EBITDA N/A
HBCP Per share dataHBCP EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40

4.3 Compensation for Growth

The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.69
PEG (5Y)1.23
EPS Next 2Y6.19%
EPS Next 3YN/A

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6

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 3.49, HBCP is paying slightly less dividend.
HBCP's Dividend Yield is comparable with the S&P500 average which is at 2.43.
Industry RankSector 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 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8 1

5.3 Sustainability

22.48% 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 earnings are growing more, so the dividend growth is sustainable.
DP22.48%
EPS Next 2Y6.19%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M 50M
HBCP Dividend Payout.HBCP Dividend Payout, showing the Payout Ratio.HBCP Dividend Payout.PayoutRetained Earnings

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HOME BANCORP INC

NASDAQ:HBCP (5/6/2025, 3:14:48 PM)

49.42

-0.36 (-0.72%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-21 2025-04-21/amc
Earnings (Next)07-15 2025-07-15/amc
Inst Owners47.52%
Inst Owner Change2.68%
Ins Owners7.49%
Ins Owner Change-0.11%
Market Cap391.90M
Analysts78
Price Target54.95 (11.19%)
Short Float %0.51%
Short Ratio1.37
Dividend
Industry RankSector Rank
Dividend Yield 2.17%
Yearly Dividend1.01
Dividend Growth(5Y)3.7%
DP22.48%
Div Incr Years10
Div Non Decr Years10
Ex-Date05-05 2025-05-05 (0.27)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)11.86%
Min EPS beat(2)6.87%
Max EPS beat(2)16.85%
EPS beat(4)4
Avg EPS beat(4)10.17%
Min EPS beat(4)2.04%
Max EPS beat(4)16.85%
EPS beat(8)8
Avg EPS beat(8)10.73%
EPS beat(12)10
Avg EPS beat(12)5.27%
EPS beat(16)14
Avg EPS beat(16)11.18%
Revenue beat(2)2
Avg Revenue beat(2)2%
Min Revenue beat(2)0.97%
Max Revenue beat(2)3.03%
Revenue beat(4)3
Avg Revenue beat(4)1.2%
Min Revenue beat(4)-0.41%
Max Revenue beat(4)3.03%
Revenue beat(8)4
Avg Revenue beat(8)0.74%
Revenue beat(12)8
Avg Revenue beat(12)4.41%
Revenue beat(16)12
Avg Revenue beat(16)7.47%
PT rev (1m)-2.05%
PT rev (3m)4.61%
EPS NQ rev (1m)0.29%
EPS NQ rev (3m)5.21%
EPS NY rev (1m)-0.35%
EPS NY rev (3m)4.33%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.77%
Revenue NY rev (1m)4.29%
Revenue NY rev (3m)7%
Valuation
Industry RankSector Rank
PE 10.34
Fwd PE 9.63
P/S 2.91
P/FCF 8.77
P/OCF 8.04
P/B 0.99
P/tB 1.26
EV/EBITDA N/A
EPS(TTM)4.78
EY9.67%
EPS(NY)5.13
Fwd EY10.38%
FCF(TTM)5.63
FCFY11.4%
OCF(TTM)6.15
OCFY12.43%
SpS17.01
BVpS49.95
TBVpS39.22
PEG (NY)1.69
PEG (5Y)1.23
Profitability
Industry RankSector Rank
ROA 1.06%
ROE 9.2%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 27.01%
GM N/A
FCFM 33.12%
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
ROICexcg growth 3YN/A
ROICexcg 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-Score6
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.15
Debt/FCF 1.34
Debt/EBITDA N/A
Cap/Depr 115.98%
Cap/Sales 3.01%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 122.64%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC13.62%
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)0.84%
EPS 3Y-7.61%
EPS 5Y8.4%
EPS Q2Q%20.18%
EPS Next Y6.11%
EPS Next 2Y6.19%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-0.33%
Revenue growth 3Y4.77%
Revenue growth 5Y6.08%
Sales Q2Q%23.73%
Revenue Next Year12.11%
Revenue Next 2Y8.33%
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 1Y13.58%
FCF growth 3Y-5.69%
FCF growth 5Y2.18%
OCF growth 1Y17.83%
OCF growth 3Y-4.37%
OCF growth 5Y2.09%