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Home Bancorp, Inc.

HBCP Financial Banks Regional

Home Bancorp, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $209.2 million, up 4.94% from fiscal 2024.

Revenue
+1.86%
EPS
−19.1%
Free cash flow
+17.5%
Total debt
−4.93%

Quarter to September 2026, against a year earlier

60.96 0.25 +0.41%
Market cap
$478.0M
P/E
10.6×
Fwd P/E
10.7×
Dividend yield
2.07%
F-score
9/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 0.03
Sold, $m 0.47
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — 1 — — — — — — — — —
Sell — — — — 2 4 — 1 1 — — —
Insider Ownership 11.36%

Capital & Financial Ratios $m

Size
Market Cap 478.01
Revenue ttm 211.28
Net income ttm 44.48
Free cash flow ttm 54.29
Net debt Q (124.21)
Valuation
P/E 10.63
Forward P/E 10.70
Price / sales 2.25
Forward P/S Powerpack
Price / FCF 8.75
Price / book 1.05
Financial health
Current ratio Q 0.97
Debt / equity Q 0.12
Interest coverage Q —
Growth
Revenue growth Q +1.86% (above 0%: growing)
Operating income growth Q −17.81% (below 0%: shrinking)
EPS, this year −5.62% (below 0%: weak)
EPS, next year A +7.04%
Revenue, next year A −31.89% (below 0%: weak)
EPS, past 5 yrs +15.39% (at or above 15%: strong)
EPS, next 5 yrs A +1.99%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 51.87%
10-year low 10-year high
P/S against its own 10 years 36.00%
10-year low 10-year high
P/B against its own 10 years 54.84%
10-year low 10-year high

Dividends raised every year since 2018

Yield
2.07%
Annual rate
1.26
Payout ratio
22.2%
Growth, 2018–26
+7.43%/yr
  1. 0.71 ’18
  2. 0.84 ’19 +18
  3. 0.88 ’20 +5
  4. 0.91 ’21 +3
  5. 0.93 ’22 +2
  6. 1.00 ’23 +8
  7. 1.01 ’24 +1
  8. 1.14 ’25 +13
  9. 1.26 ’26 +11
paid change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 76 99 142 179
Receivables — — — —
Inventory — — — —
Other — — — —
2,709 2,864 2,918 2,996
2023 2024 2025 Q'26
Payables 2,671 2,781 2,973 3,054
ST’ Debt — — — —
Other — — — —
2,856 2,955 3,000 3,088

Compound Annual Growth %

10y 5y 3y
Sales 12.03% 12.05% 14.38%
Cash Flow 4.19% 2.14% 2.11%
Earnings 13.89% 13.21% 10.57%
Book Value 10.18% 6.22% 9.66%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 1.51 Actual 1.28

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 1.39 1.46 Beat by 0.07
Q1 FY26 1.39 1.45 Beat by 0.06
Q2 FY26 1.46 1.48 Beat by 0.02
Q3 FY26 1.51 1.28 Miss by 0.23
Q4 FY26 1.48 — Reports 25 January 2027

EPS $

Mar Jun Sep Dec Year
’26 1.45 1.48 1.28 — —
’25 1.37 1.45 1.59 1.46 5.87
’24 1.14 1.02 1.18 1.21 4.56
’23 1.39 1.21 1.22 1.17 4.99
’22 0.53 1.03 1.28 1.32 4.16
’21 1.41 1.34 1.79 1.23 5.77
’20 0.21 0.29 1.01 1.36 2.87
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 51 53 54 — —
’25 51 52 53 53 209
’24 48 49 51 51 199
’23 41 44 46 47 178
’22 28 34 38 40 140
’21 31 29 34 29 123
’20 29 29 30 31 118
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 17 11 24 — —
’25 13 9 21 12 55
’24 10 15 18 6 49
’23 10 8 13 10 41
’22 2 18 17 15 51
’21 11 21 12 12 56
’20 8 5 5 31 49
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 14 9 23 — —
’25 9 8 21 7 45
’24 9 13 17 5 45
’23 10 7 13 10 39
’22 1 17 16 14 49
’21 11 20 11 11 54
’20 7 5 5 30 47
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

2.8
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 79 84 116 117 118 123 140 178 199 209 211 +11.5% 143 149 154 (9.6%)
Gross margin, % 93.32 92.24 91.10 86.10 89.94 95.20 94.34 75.90 67.65 71.08 73.89 (22.2) pt
EBT 24 29 38 34 31 60 43 50 45 58 56 +10.5%
EBT margin, % 29.90 34.75 33.07 28.98 26.01 49.07 30.40 28.12 22.66 27.73 26.53 (2.2) pt
Net income 16 17 32 28 25 49 34 40 36 46 44 +12.5%
Per share, $
Per share, $ Revenue 11.52 11.85 12.76 12.85 13.65 14.70 17.18 22.21 25.06 26.92 27.10 +9.9%
Earnings 2.34 2.50 3.48 3.08 2.87 5.80 4.19 5.02 4.57 5.93 5.74 +10.9%
Cash flow 2.99 3.48 5.20 4.84 5.65 6.65 6.29 5.15 6.13 7.01 8.21 +9.9%
Capex 0.03 (0.15) (0.44) (0.42) (0.25) (0.25) (0.32) (0.25) (0.48) (1.28) (1.25) n/m
Free cash flow 3.03 3.33 4.76 4.43 5.41 6.40 5.97 4.90 5.65 5.73 6.96 +7.3%
Book value 26.29 39.04 33.53 34.86 37.10 42.00 40.54 45.77 49.78 55.98 58.12 +8.8%
Shares, m 7 7 9 9 9 8 8 8 8 8 8 +1.4%
Valuation, ×
Valuation, × P/E 16.36 16.84 10.14 12.72 9.72 7.16 9.57 8.42 10.09 9.75 10.63 11.1
P/S 3.31 3.55 2.77 3.05 2.05 2.82 2.33 1.90 1.84 2.15 2.25 2.6
P/B 1.45 1.08 1.06 1.12 0.75 0.99 0.99 0.92 0.93 1.03 1.05 1.0
EV/Sales 3.91 2.55 2.76 3.05 0.70 (1.85) 2.24 2.02 1.81 1.75 — 1.9
EV/FCF 14.88 9.09 7.39 8.86 1.78 (4.25) 6.46 9.16 8.06 8.21 — 7.0
Cash, $m
Cash, $m Operating cash flow 20 25 47 44 49 56 51 41 49 55 64 +11.5%
Capex 0 (1) (4) (4) (2) (2) (3) (2) (4) (10) (10) n/m
Free cash flow 21 24 43 40 47 54 49 39 45 45 54 +8.9%
Balance, $m
Balance, $m Working capital (11) (45) (51) (58) (56) (98) (260) (146) (91) (82) (93) +24.8%
Net debt 47 (85) (2) 0 (159) (576) (13) 21 (6) (84) (124) n/m
Shareholders’ equity 180 278 304 316 322 352 330 367 396 435 453 +10.3%
Returns, %
Returns, % ROA 1.03 0.89 1.44 1.28 1.03 1.76 1.11 1.23 1.08 1.33 1.25 +0.3 pt
ROIC 6.49 9.48 7.92 6.67 11.86 0.00 8.37 8.07 7.23 10.33 10.65 +3.8 pt
ROE 9.28 7.35 10.86 9.00 7.76 14.43 9.99 11.54 9.54 11.08 10.15 +1.8 pt
People
People Employees — — — — — — 484 477 481 494 — +0.7%
Revenue/emp, $m 0.00 0.00 0.00 0.00 0.00 0.00 0.29 0.37 0.41 0.42 — n/m
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 6 Nov 2026

Home Bancorp, Inc. vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
CZNC Citizens & Northern Corp $507.1M 14.1× 12.9× +26.06% (above 0%: growing) +119.05% (above 0%: growing) +65.33% (above 0%: growing) 76.62% 0.00% Compare
FMAO Farmers & Merchants Bancorp Inc. $500.5M 11.7× 11.3× +6.18% (above 0%: growing) +32.48% (above 0%: growing) +35.98% (above 0%: growing) 67.12% 0.00% Compare
FRBA First Bank $493.4M 11.4× 11.5× −3.96% (below 0%: shrinking) +7.32% (above 0%: growing) −48.72% (below 0%: shrinking) 62.19% 0.00% Compare
PBAM Private Bancorp of America, Inc. $482.0M 10.8× 10.1× +1.51% (above 0%: growing) +27.22% (above 0%: growing) +7,335.44% (above 0%: growing) 77.85% 0.00% Compare
HBCP Home Bancorp, Inc. $478.0M 10.6× 10.7× +1.86% (above 0%: growing) −19.05% (below 0%: shrinking) +17.52% (above 0%: growing) 74.37% 0.00%
BMRC Bank of Marin Bancorp $463.9M — (loss-making) 11.9× +10.24% (above 0%: growing) +31.91% (above 0%: growing) +32.70% (above 0%: growing) 0.00% 0.00% Compare
PBFS Pioneer Bancorp, Inc. $453.0M 26.3× 24.0× +17.36% (above 0%: growing) −46.15% (below 0%: shrinking) +356.69% (above 0%: growing) 75.84% 0.00% Compare
AVBC Avidia Bancorp, Inc. $451.5M 23.7× 15.4× +5.48% (above 0%: growing) — +391.37% (above 0%: growing) 76.31% 0.00% Compare
CBK Commercial Bancgroup, Inc. $447.5M 11.0× 10.9× +4.55% (above 0%: growing) +3.01% (above 0%: growing) +28.43% (above 0%: growing) 73.79% 0.00% Compare
Median of peers $473.0M 11.7× 11.7× +5.83% +27.22% +50.66% 74.82% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 2 April 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 1.24m 1.49m 234.00
2024 1.23m 1.13m 135.00
2023 961.34k 902.94k 104.00
2022 938.74k 893.73k 120.00
2021 835.39k 686.91k 119.00

Ownership

Directors and executive officers, together 6.20%
Home Bancorp Employee Stock Ownership Plan Trust 6.30%
Dimensional Fund Advisors LP 5.40%
BlackRock, Inc. 5.30%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

Home Bancorp, Inc. (HBCP) Latest News

20 Oct

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22 Apr

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20 Apr

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7 Feb

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29 Jan

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26 Jan

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stockrow.com/HBCP · Data as of Nov 6, 2026 · For information only; not investment advice. · © 2026 stockrow.com