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HOME BANCORP INC (HBCP) Stock Fundamental Analysis

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

49.32  +0.96 (+1.99%)

After market: 49.32 0 (0%)

Fundamental Rating

5

Taking everything into account, HBCP scores 5 out of 10 in our fundamental rating. HBCP was compared to 395 industry peers in the Banks industry. HBCP has an average financial health and profitability rating. HBCP has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M 50M

1.2 Ratios

Looking at the Return On Assets, with a value of 1.10%, HBCP is in the better half of the industry, outperforming 73.16% of the companies in the same industry.
HBCP has a Return On Equity of 9.48%. This is in the better half of the industry: HBCP outperforms 61.01% of its industry peers.
Industry RankSector Rank
ROA 1.1%
ROE 9.48%
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
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

HBCP's Profit Margin of 27.64% is fine compared to the rest of the industry. HBCP outperforms 74.43% 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 RankSector Rank
OM N/A
PM (TTM) 27.64%
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.
Compared to 5 years ago, HBCP has less shares outstanding
The debt/assets ratio for HBCP has been reduced compared to a year ago.
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

HBCP has a debt to FCF ratio of 1.36. This is a very positive value and a sign of high solvency as it would only need 1.36 years to pay back of all of its debts.
With a decent Debt to FCF ratio value of 1.36, HBCP is doing good in the industry, outperforming 64.81% 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 1.36
Altman-Z N/A
ROIC/WACCN/A
WACC14.35%
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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5

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.
Looking at the last year, HBCP shows a small growth in Revenue. The Revenue has grown by 4.01% in the last year.
Measured over the past years, HBCP shows a small growth in Revenue. The Revenue has been growing by 6.08% on average per year.
EPS 1Y (TTM)0.84%
EPS 3Y-7.61%
EPS 5Y8.4%
EPS Q2Q%20.18%
Revenue 1Y (TTM)4.01%
Revenue growth 3Y4.77%
Revenue growth 5Y6.08%
Sales Q2Q%9.85%

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 10.70% yearly.
Based on estimates for the next years, HBCP will show a small growth in Revenue. The Revenue will grow by 7.37% on average per year.
EPS Next Y15.23%
EPS Next 2Y10.7%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year9.61%
Revenue Next 2Y7.37%
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 accelerating.
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.
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 20M 40M 60M 80M 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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6

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 10.32, which indicates a very decent valuation of HBCP.
Based on the Price/Earnings ratio, HBCP is valued a bit cheaper than the industry average as 70.38% of the companies are valued more expensively.
When comparing the Price/Earnings ratio of HBCP to the average of the S&P500 Index (26.34), we can say HBCP is valued rather cheaply.
With a Price/Forward Earnings ratio of 8.85, the valuation of HBCP can be described as very reasonable.
HBCP's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. HBCP is cheaper than 61.27% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.19. HBCP is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 10.32
Fwd PE 8.85
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 69.11% of the companies in the same industry.
Industry RankSector Rank
P/FCF 8.68
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

HBCP's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.68
PEG (5Y)1.23
EPS Next 2Y10.7%
EPS Next 3YN/A

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6

5. Dividend

5.1 Amount

HBCP has a Yearly Dividend Yield of 2.13%. Purely for dividend investing, there may be better candidates out there.
HBCP's Dividend Yield is slightly below the industry average, which is at 3.46.
Compared to an average S&P500 Dividend Yield of 2.40, HBCP has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.13%

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

HBCP pays out 21.83% 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.
DP21.83%
EPS Next 2Y10.7%
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 (6/18/2025, 8:00:01 PM)

After market: 49.32 0 (0%)

49.32

+0.96 (+1.99%)

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 Owners48.8%
Inst Owner Change-0.57%
Ins Owners5.26%
Ins Owner Change0.84%
Market Cap384.70M
Analysts78
Price Target55.72 (12.98%)
Short Float %0.78%
Short Ratio1.52
Dividend
Industry RankSector Rank
Dividend Yield 2.13%
Yearly Dividend1.01
Dividend Growth(5Y)3.7%
DP21.83%
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)12.17%
Min EPS beat(2)6.87%
Max EPS beat(2)17.48%
EPS beat(4)4
Avg EPS beat(4)10.81%
Min EPS beat(4)2.04%
Max EPS beat(4)17.48%
EPS beat(8)8
Avg EPS beat(8)11.09%
EPS beat(12)11
Avg EPS beat(12)9.22%
EPS beat(16)14
Avg EPS beat(16)10.37%
Revenue beat(2)2
Avg Revenue beat(2)1.88%
Min Revenue beat(2)0.73%
Max Revenue beat(2)3.03%
Revenue beat(4)4
Avg Revenue beat(4)1.49%
Min Revenue beat(4)0.73%
Max Revenue beat(4)3.03%
Revenue beat(8)4
Avg Revenue beat(8)-0.1%
Revenue beat(12)8
Avg Revenue beat(12)3.77%
Revenue beat(16)12
Avg Revenue beat(16)6.42%
PT rev (1m)0%
PT rev (3m)-0.68%
EPS NQ rev (1m)0%
EPS NQ rev (3m)4.57%
EPS NY rev (1m)0%
EPS NY rev (3m)8.21%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.69%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.96%
Valuation
Industry RankSector Rank
PE 10.32
Fwd PE 8.85
P/S 2.78
P/FCF 8.68
P/OCF 7.55
P/B 0.95
P/tB 1.21
EV/EBITDA N/A
EPS(TTM)4.78
EY9.69%
EPS(NY)5.58
Fwd EY11.31%
FCF(TTM)5.68
FCFY11.52%
OCF(TTM)6.54
OCFY13.25%
SpS17.72
BVpS51.65
TBVpS40.78
PEG (NY)0.68
PEG (5Y)1.23
Profitability
Industry RankSector Rank
ROA 1.1%
ROE 9.48%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 27.64%
GM N/A
FCFM 32.06%
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-Score7
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.15
Debt/FCF 1.36
Debt/EBITDA N/A
Cap/Depr 193.96%
Cap/Sales 4.83%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 116%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC14.35%
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 Y15.23%
EPS Next 2Y10.7%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)4.01%
Revenue growth 3Y4.77%
Revenue growth 5Y6.08%
Sales Q2Q%9.85%
Revenue Next Year9.61%
Revenue Next 2Y7.37%
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-22.15%
FCF growth 3Y-5.69%
FCF growth 5Y2.18%
OCF growth 1Y-14.27%
OCF growth 3Y-4.37%
OCF growth 5Y2.09%