59.53 USD
+1.12 (+1.92%)
59.53 USD
0 (0%)
Overall HBCP gets a fundamental rating of 4 out of 10. We evaluated HBCP against 383 industry peers in the Banks industry. HBCP has a medium profitability rating, but doesn't score so well on its financial health evaluation. HBCP has a decent growth rate and is not valued too expensively.
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.
- HBCP had positive earnings in each of the past 5 years.
- HBCP had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
- The Return On Assets of HBCP (1.27%) is better than 80.68% of its industry peers.
- The Return On Equity of HBCP (10.48%) is better than 67.89% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.27% | ||
| ROE | 10.48% | ||
| 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
1.3 Margins
- HBCP's Profit Margin of 30.38% is amongst the best of the industry. HBCP outperforms 80.42% of its industry peers.
- HBCP's Profit Margin has improved in the last couple of years.
- HBCP does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 30.38% | ||
| 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
2. Health
2.1 Basic Checks
- HBCP does not have a ROIC to compare to the WACC, probably because it is not profitable.
- HBCP has less shares outstanding than it did 1 year ago.
- Compared to 5 years ago, HBCP has less shares outstanding
- Compared to 1 year ago, HBCP has an improved debt to assets ratio.
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's Debt to FCF ratio of 1.41 is in line compared to the rest of the industry. HBCP outperforms 57.70% of its industry peers.
- HBCP has a Debt/Equity ratio of 0.14. This is a healthy value indicating a solid balance between debt and equity.
- Looking at the Debt to Equity ratio, with a value of 0.14, HBCP is in line with its industry, outperforming 57.18% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.14 | ||
| Debt/FCF | 1.41 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC12.96%
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 29.01%, which is quite impressive.
- Measured over the past years, HBCP shows a quite strong growth in Earnings Per Share. The EPS has been growing by 15.39% on average per year.
- The Revenue has grown by 10.25% in the past year. This is quite good.
- The Revenue has been growing slightly by 6.91% on average over the past years.
EPS 1Y (TTM)29.01%
EPS 3Y11.28%
EPS 5Y15.39%
EPS Q2Q%20.66%
Revenue 1Y (TTM)10.25%
Revenue growth 3Y4.08%
Revenue growth 5Y6.91%
Sales Q2Q%6.93%
3.2 Future
- HBCP is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 1.60% yearly.
- The Revenue is expected to grow by 6.14% on average over the next years.
EPS Next Y-0.84%
EPS Next 2Y1.6%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year3.27%
Revenue Next 2Y6.14%
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 stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 10.14, the valuation of HBCP can be described as reasonable.
- Compared to the rest of the industry, the Price/Earnings ratio of HBCP indicates a rather cheap valuation: HBCP is cheaper than 81.72% of the companies listed in the same industry.
- When comparing the Price/Earnings ratio of HBCP to the average of the S&P500 Index (28.39), we can say HBCP is valued rather cheaply.
- Based on the Price/Forward Earnings ratio of 10.23, the valuation of HBCP can be described as reasonable.
- Based on the Price/Forward Earnings ratio, HBCP is valued a bit cheaper than the industry average as 60.57% of the companies are valued more expensively.
- Compared to an average S&P500 Price/Forward Earnings ratio of 25.72, HBCP is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.14 | ||
| Fwd PE | 10.23 |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, HBCP is valued a bit cheaper than 62.14% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.96 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.66
EPS Next 2Y1.6%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- HBCP has a Yearly Dividend Yield of 2.12%.
- HBCP's Dividend Yield is slightly below the industry average, which is at 2.65.
- Compared to an average S&P500 Dividend Yield of 1.82, HBCP has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.12% |
5.2 History
- The dividend of HBCP has a limited annual growth rate of 3.70%.
- HBCP has paid a dividend for at least 10 years, which is 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)3.7%
Div Incr Years10
Div Non Decr Years10
5.3 Sustainability
- 19.54% 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.
DP19.54%
EPS Next 2Y1.6%
EPS Next 3YN/A
HOME BANCORP INC / HBCP 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.
How profitable is HOME BANCORP INC (HBCP) stock?
HOME BANCORP INC (HBCP) has a profitability rating of 4 / 10.
What is the valuation of HOME BANCORP INC based on its PE and PB ratios?
The Price/Earnings (PE) ratio for HOME BANCORP INC (HBCP) is 10.14 and the Price/Book (PB) ratio is 1.1.
What is the earnings growth outlook for HOME BANCORP INC?
The Earnings per Share (EPS) of HOME BANCORP INC (HBCP) is expected to decline by -0.84% in the next year.