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Home Bancorp, Inc. (HBCP) vs West Bancorporation, Inc. (WTBA)

Home Bancorp, Inc. and West Bancorporation, Inc. are both Banks Regional companies. Home Bancorp, Inc. and West Bancorporation, Inc. are of similar size ($518.5M and $493.3M). Home Bancorp, Inc. trades at the lower P/E: 10.9× against 12.9×. Home Bancorp, Inc. grew revenue faster over the last twelve months: 2.06% against 0.14%. Home Bancorp, Inc. has the higher net margin (22.2% vs 19.1%) and the lower return on invested capital (11.5% vs 13.8%). Both pay a dividend; West Bancorporation, Inc. yields more (3.45% vs 1.90%). Across the 19 metrics below, Home Bancorp, Inc. leads on 13 and West Bancorporation, Inc. on 6.

Valuation

Metric HBCP WTBA Banks Regional median
P/E 10.91 12.94 11.98
P/S 2.43 2.48 2.34
P/B 1.13 1.77 1.19
Price to free cash flow 9.94 10.25 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 9.17% 7.73% 8.23%
Free cash flow yield 10.06% 9.75% 9.08%

Profitability

Metric HBCP WTBA Banks Regional median
Gross margin 73.15% 51.49% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 22.23% 19.12% 18.66%
Free cash flow margin 24.48% 24.21% 21.11%
Return on equity 10.84% 14.71% 10.65%
Return on assets 1.32% 0.95% 1.13%
Return on invested capital 11.49% 13.80% 8.35%

Growth

Metric HBCP WTBA Banks Regional median
Revenue growth (TTM) 2.06% 0.14% 6.98%
EPS growth (last fiscal year) 28.73% 35.21% 18.88%
Revenue growth, 5-year CAGR 12.05% 12.56% 12.38%
Net income growth, 5-year CAGR 13.21% (0.09%) 9.71%

Health

Metric HBCP WTBA Banks Regional median
Debt to equity 0.12 1.33 0.22
Current ratio 0.97 1.00 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric HBCP WTBA Banks Regional median
Dividend yield 1.90% 3.45% 2.57%
Payout ratio 0.21 0.45 0.30

Size

Metric HBCP WTBA Banks Regional median
Market cap 518.45m 493.25m 913.33m

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