Pricing Log in Create free account
Saturday 17 October 2026 Export HBCP’s income statement to Excel — free account

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. In the quarter to June 2026, revenue grew 1.51%, EPS grew 1.36%, free cash flow grew 15.5% and total debt fell 19.2%, each against the same quarter a year earlier. Dividend growth for ten consecutive years, revenue growth for ten; insiders bought in the last twelve months.

65.90 0.03 +0.05%
Market cap
$518.5M
P/E
10.9×
Fwd P/E
11.0×
Dividend yield
1.90%
F-score
9/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 0.03
Total sells 0.47
Totals in millions of $.
Dec 25 Mar 26 Jun 26 Sep 26
Buy — — — 1 — — — — — — — —
Sell — — — — — 2 4 — 1 1 — —
Insider Ownership 11.05%

Capital & Financial Ratios $m

Market Cap 518.45
Revenue 210.29
Net Income 46.74
Free Cash Flow 51.49
Net Debt (133.44)
Current Ratio 0.97
Debt/Equity 0.12
P/E ratio 10.91
Fwd P/E 11.00
P/S ratio 2.43
P/B ratio 1.13
Past 5Y EPS Growth 15.39% (at or above 15%: strong)
This Y EPS Growth (0.44%) (below 0%: weak)
Next Y EPS Growth 6.04%
Next Y revenue growth (31.99%) (below 0%: weak)
Next 5Y EPS Growth 8.34%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 56.58%
10-year low 10-year high
P/S against its own 10 years 43.57%
10-year low 10-year high
P/B against its own 10 years 77.66%
10-year low 10-year high

Dividends

Payout Ratio 0.21
Annual Dividend Rate 1.25
Annual Dividend Yield 1.90%
total individual payouts
2027 Powerpack
2026 1.27
0.31
0.31
0.32
2025 1.14
0.27
0.27
0.29
0.31
2024 1.01
0.25
0.25
0.25
0.26
2023 1.00
0.25
0.25
0.25
0.25
2022 0.93
0.23
0.23
0.23
0.24
2021 0.91
0.22
0.23
0.23
0.23
2020 0.88
0.22
0.22
0.22
0.22
2019 0.84
0.20
0.21
0.21
0.22
2018 0.71
0.15
0.17
0.19
0.20
2017 0.55
0.13
0.14
0.14
0.14
2016 0.41
0.09
0.10
0.10
0.12
predictions special payouts not included in total or ratios

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 76 99 142 188
Receivables — — — —
Inventory — — — —
Other — — — —
2,709 2,864 2,918 3,009
2023 2024 2025 Q'26
Payables 2,671 2,781 2,973 3,069
ST’ Debt — — — —
Other — — — —
2,856 2,955 3,000 3,095

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%

Revenue $m

Mar Jun Sep Dec Year
’26 51 53 — — —
’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 — — —
’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 — — —
’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.

EPS $

Mar Jun Sep Dec Year
’26 1.45 1.48 — — —
’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.

Target Price Range

Analyst price targets

Recommendation Rating

2.8
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
Price, $
Price, $ Low 21.29 32.52 32.59 33.20 18.57 27.60 33.16 27.75 33.30 39.59

Analyst estimates 2026–2028

Powerpack
High 39.75 47.20 48.47 40.80 39.34 43.84 45.73 44.00 52.39 62.15
People
People Employees — — — — — — 484 477 481 494
Revenue/emp, $m 0.00 0.00 0.00 0.00 0.00 0.00 0.29 0.37 0.41 0.42
Income, $m
Income, $m Revenue 79 84 116 117 118 123 140 178 199 209
Gross margin, % 93.32 92.24 91.10 86.10 89.94 95.20 94.34 75.90 67.65 71.08
EBT 24 29 38 34 31 60 43 50 45 58
EBT margin, % 29.90 34.75 33.07 28.98 26.01 49.07 30.40 28.12 22.66 27.73
Net income 16 17 32 28 25 49 34 40 36 46
Depreciation 7 11 13 11 12 8 9 8 7 6
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
Earnings 2.34 2.50 3.48 3.08 2.87 5.80 4.19 5.02 4.57 5.93
Cash flow 2.99 3.48 5.20 4.84 5.65 6.65 6.29 5.15 6.13 7.01
Capex 0.03 (0.15) (0.44) (0.42) (0.25) (0.25) (0.32) (0.25) (0.48) (1.28)
Free cash flow 3.03 3.33 4.76 4.43 5.41 6.40 5.97 4.90 5.65 5.73
Book value 26.29 39.04 33.53 34.86 37.10 42.00 40.54 45.77 49.78 55.98
Shares, m 7 7 9 9 9 8 8 8 8 8
Valuation, ×
Valuation, × P/E 16.36 16.84 10.14 12.72 9.72 7.16 9.57 8.42 10.09 9.75
P/S 3.31 3.55 2.77 3.05 2.05 2.82 2.33 1.90 1.84 2.15
P/B 1.45 1.08 1.06 1.12 0.75 0.99 0.99 0.92 0.93 1.03
EV/Sales 3.91 2.55 2.76 3.05 0.70 (1.85) 2.24 2.02 1.81 1.75
EV/FCF 14.88 9.09 7.39 8.86 1.78 (4.25) 6.46 9.16 8.06 8.21
Cash, $m
Cash, $m Operating cash flow 20 25 47 44 49 56 51 41 49 55
Capex 0 (1) (4) (4) (2) (2) (3) (2) (4) (10)
Free cash flow 21 24 43 40 47 54 49 39 45 45
Balance, $m
Balance, $m Working capital (11) (45) (51) (58) (56) (98) (260) (146) (91) (82)
Total debt 79 68 59 41 29 26 75 97 93 58
Net debt 47 (85) (2) 0 (159) (576) (13) 21 (6) (84)
Shareholders’ equity 180 278 304 316 322 352 330 367 396 435
Returns, %
Returns, % ROA 1.03 0.89 1.44 1.28 1.03 1.76 1.11 1.23 1.08 1.33
ROIC 6.49 9.48 7.92 6.67 11.86 0.00 8.37 8.07 7.23 10.33
ROE 9.28 7.35 10.86 9.00 7.76 14.43 9.99 11.54 9.54 11.08
Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

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
NRIM Northrim BanCorp Inc $543.4M 7.6× 9.5× +3.99% (above 0%: growing) +29.58% (above 0%: growing) +934.70% (above 0%: growing) 84.32% 0.00% Compare
NPB Northpointe Bancshares, Inc. $540.2M 6.6× 6.5× +11.60% (above 0%: growing) +17.31% (above 0%: growing) +105.45% (above 0%: growing) 49.88% 0.00% Compare
BSVN Bank7 Corp. $528.6M 13.1× 10.1× −7.40% (below 0%: shrinking) −25.42% (below 0%: shrinking) +20.62% (above 0%: growing) 71.74% 0.00% Compare
BWFG Bankwell Financial Group, Inc. $519.5M 12.1× 9.9× +9.58% (above 0%: growing) +33.62% (above 0%: growing) +64.68% (above 0%: growing) 59.05% 0.00% Compare
HBCP Home Bancorp, Inc. $518.5M 10.9× 11.0× +1.51% (above 0%: growing) +1.36% (above 0%: growing) +15.46% (above 0%: growing) 74.76% 0.00%
BSRR Sierra Bancorp $507.5M 11.6× 10.5× −3.43% (below 0%: shrinking) −1.28% (below 0%: shrinking) +114.97% (above 0%: growing) 78.74% 0.00% Compare
WTBA West Bancorporation, Inc. $493.3M 12.9× 9.3× +1.39% (above 0%: growing) +38.30% (above 0%: growing) +10.26% (above 0%: growing) 55.06% 0.00% Compare
OBT Orange County Bancorp, Inc. $492.5M 10.5× 10.3× −16.27% (below 0%: shrinking) +17.24% (above 0%: growing) +491.65% (above 0%: growing) 81.95% 0.00% Compare
COFS ChoiceOne Financial Services, Inc. $492.3M 9.1× 8.8× −2.56% (below 0%: shrinking) −7.78% (below 0%: shrinking) +165.17% (above 0%: growing) 70.71% 0.00% Compare
Median of peers $513.5M 11.0× 9.7× −0.59% +17.28% +110.21% 71.23% 0.00%

All 323 Banks Regional stocks →

Home Bancorp, Inc. (HBCP) key facts

  • Strength: Home Bancorp, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $209.2 million, up 4.94% from fiscal 2024.
  • Strength: Net income was $46.1 million, or $5.93 per share (basic), a net margin of 22.0%.
  • Home Bancorp, Inc. (HBCP) is a Banks Regional company in the Financial sector, listed on Nasdaq.
  • As of October 16, 2026, HBCP traded at $65.90, a market capitalization of $518.5 million.
  • At that price the stock trades at 10.9× trailing-twelve-month earnings and 2.4× sales; its P/E is higher than 57% of its own readings over the past ten years.
  • Home Bancorp, Inc. pays an annual dividend of $1.25 per share, a yield of 1.90%, with a payout ratio of 20.9%.
  • Return on equity was 11.1% and debt-to-equity 0.12.
  • Its Piotroski F-score is 9 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.

Home Bancorp, Inc. (HBCP) Latest News

No news at this impact. Lower the threshold for more.
stockrow.com/HBCP · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com