Home Bancorp, Inc. (HBCP) vs Private Bancorp of America, Inc. (PBAM)

Home Bancorp, Inc. and Private Bancorp of America, Inc. are both Banks Regional companies. Home Bancorp, Inc. and Private Bancorp of America, Inc. are of similar size ($482.0M and $478.0M). Home Bancorp, Inc. trades at the lower P/E: 10.6× against 10.8×. Private Bancorp of America, Inc. grew revenue faster over the last twelve months: 3.55% against 1.60%. Private Bancorp of America, Inc. has the higher net margin (25.3% vs 21.1%) and the lower return on invested capital (0.00% vs 12.8%). Across the 18 metrics below, Private Bancorp of America, Inc. leads on 11 and Home Bancorp, Inc. on 7.

Valuation

Metric HBCP PBAM Banks Regional median
P/E 10.58 10.81 12.02
P/S 2.24 2.73 2.36
P/B 1.05 1.68 1.23
Price to free cash flow 8.72 3.94 10.60
EV/EBITDA — n/m —
EV/Sales — 0.97 —
Earnings yield 9.45% 9.25% 8.21%
Free cash flow yield 11.46% 25.41% 9.23%

Profitability

Metric HBCP PBAM Banks Regional median
Gross margin 73.89% 75.85% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 21.05% 25.34% 18.82%
Free cash flow margin 30.30% 69.32% 17.97%
Return on equity 10.15% 16.70% 10.28%
Return on assets 1.25% 1.72% 1.13%
Return on invested capital 12.79% 0.00% 8.45%

Growth

Metric HBCP PBAM Banks Regional median
Revenue growth (TTM) 1.60% 3.55% 6.37%
EPS growth (last fiscal year) 28.73% 12.52% 18.85%
Revenue growth, 5-year CAGR 12.05% 22.57% 12.65%
Net income growth, 5-year CAGR 13.21% 30.37% 9.81%

Health

Metric HBCP PBAM Banks Regional median
Debt to equity 0.00 0.03 0.17
Current ratio 0.97 1.00 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric HBCP PBAM Banks Regional median
Dividend yield 2.07% — 2.49%
Payout ratio 0.22 — 0.29

Size

Metric HBCP PBAM Banks Regional median
Market cap 478.01m 482.02m 934.85m

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