HBCP Stock Analysis: Home Bancorp | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 536m USD | 12M Return: 30.6% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 7.31M
EPS Trend: 73.0%
Qual. Beats: 0
Rev. Trend: 90.9%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Home Bancorp, Inc. (HBCP) is the holding company for Home Bank, National Association, a community bank founded in 1908 and headquartered in Lafayette, Louisiana. The company provides a full suite of traditional banking products and services to both individuals and businesses across Louisiana, Mississippi, and Texas, operating as a small-cap regional bank within the U.S. financial sector.
Its deposit offerings span interest-bearing and noninterest-bearing checking accounts, money market, savings, NOW accounts, and certificates of deposit, along with custodial, health savings, and individual retirement accounts. On the lending side, Home Bancorp provides a diversified loan portfolio that includes residential mortgages, home equity products, commercial real estate loans, construction and land loans, multi-family residential loans, commercial and industrial loans, and various consumer and business loan products such as SBA loans.
In addition to core banking, the company invests in loans and securities and offers ancillary services including debit and credit cards, treasury management, online and mobile banking, remote deposit capture, positive pay, merchant card services, and payroll cards. As a regional bank holding company, Home Bancorps business model relies on net interest income from lending and deposit gathering within its Gulf Coast footprint, supplemented by fee-based banking services.
- Net interest margin expansion on Fed rate hold
- Commercial real estate loan concentration in Louisiana markets
- Branch expansion drives loan and deposit growth in Texas and Mississippi
| Net Income: 46.7m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.08 > 0.02 and ΔFCF/TA 7.17 > 1.0 |
| NWC/Revenue: -743.6% < 20% (prev -1.38k%; Δ 637.7% < -1%) |
| CFO/TA 0.10 > 3% & CFO 58.7m > Net Income 46.7m |
| Net Debt (-401.0m) to EBITDA (73.9m): -5.43 < 3 |
| Current Ratio: 0.23 > 1.5 & < 3 |
| Outstanding Shares: last quarter (7.84m) vs 12m ago -0.80% < -2% |
| Gross Margin: 71.19% > 18% (prev 68.40%; Δ 2.79% > 0.5%) |
| Asset Turnover: 9.92% > 50% (prev 5.90%; Δ 4.02% > 0%) |
| Interest Coverage Ratio: 1.28 > 6 (EBIT TTM 72.2m / Interest Expense TTM 56.5m) |
| A: -2.54 (Total Current Assets 458.7m - Total Current Liabilities 1.97b) / Total Assets 593.8m |
| B: 0.51 (Retained Earnings 302.2m / Total Assets 593.8m) |
| C: 0.04 (EBIT TTM 72.2m / Avg Total Assets 2.04b) |
| D: 0.14 (Book Value of Equity 453.5m / Total Liabilities 3.15b) |
| Altman-Z'' = -14.60 = D |
As of July 28, 2026, the stock is trading at USD 70.28 with a total of 91,737 shares traded. Over the past week, the price has changed by +2.79%, over one month by +1.97%, over three months by +12.43% and over the past year by +30.55%.
Current recommended Stop Loss: 67.90 (which is 3.4% or 1.3 ATR below the current price).
Home Bancorp has received a consensus analysts rating of 3.50. Therefore, it is recommended to hold HBCP.
- StrongBuy: 0
- Buy: 2
- Hold: 2
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 68.1 | -3.1% |
P/E Trailing = 11.4908
P/E Forward = 9.3985
P/S = 3.5831
P/B = 1.2065
Revenue TTM = 202.7m USD
EBIT TTM = 72.2m USD
EBITDA TTM = 73.9m USD
Long Term Debt = 57.7m USD (from longTermDebt, last fiscal year)
Short Term Debt = 4.33m USD (from shortTermDebt, last fiscal year)
Debt = 57.7m USD (from shortLongTermDebtTotal, last fiscal year)
Net Debt = -401.0m USD (calculated: Debt 57.7m - CCE 458.7m)
Enterprise Value = 135.2m USD (536.2m + Debt 57.7m - CCE 458.7m)
Interest Coverage Ratio = 1.28 (Ebit TTM 72.2m / Interest Expense TTM 56.5m)
EV/FCF = 2.70x (Enterprise Value 135.2m / FCF TTM 50.1m)
FCF Yield = 37.06% (FCF TTM 50.1m / Enterprise Value 135.2m)
FCF Margin = 24.72% (FCF TTM 50.1m / Revenue TTM 202.7m)
Net Margin = 23.06% (Net Income TTM 46.7m / Revenue TTM 202.7m)
Gross Margin = 71.19% ((Revenue TTM 202.7m - Cost of Revenue TTM 58.4m) / Revenue TTM)
Gross Margin QoQ = 68.82% (prev 72.45%)
Tobins Q-Ratio = 0.23 (Enterprise Value 135.2m / Total Assets 593.8m)
Interest Expense / Debt = 97.85% (Interest Expense 56.5m / Debt 57.7m)
Taxrate = 20.54% (12.1m / 58.8m)
NOPAT = 57.4m (EBIT 72.2m * (1 - 20.54%))
Current Ratio = 0.23 (Total Current Assets 458.7m / Total Current Liabilities 1.97b)
Debt / Equity = 0.13 (Debt 57.7m / totalStockholderEquity, last quarter 453.5m)
Debt / EBITDA = -5.43 (Net Debt -401.0m / EBITDA 73.9m)
Debt / FCF = -8.00 (Net Debt -401.0m / FCF TTM 50.1m)
Total Stockholder Equity = 439.0m (last 4 quarters mean from totalStockholderEquity)
RoA = 2.29% (Net Income 46.7m / Total Assets 593.8m)
RoE = 10.65% (Net Income TTM 46.7m / Total Stockholder Equity 439.0m)
RoCE = 14.54% (EBIT 72.2m / Capital Employed (Equity 439.0m + L.T.Debt 57.7m))
RoIC = -4.17% (NOPAT 57.4m / Invested Capital -1.38b)
WACC = 7.75% (E(536.2m)/V(593.9m) * Re(8.58%) + (debt cost/tax rate unavailable))
Discount Rate = 8.58% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -89.51 | Cagr: -1.11%
[DCF] Terminal Value 77.67% ; FCFF base≈47.8m ; Y1≈53.9m ; Y5≈76.0m
[DCF] Fair Price = 197.6 (EV 1.15b - Net Debt -401.0m = Equity 1.55b / Shares 7.84m; r=8.35% [WACC [floored]]; 5y FCF grow 13.08% → 2.50% )
EPS Correlation: 72.98 | EPS CAGR: 9.19% | SUE: 0.24 | # QB: 0
Revenue Correlation: 90.92 | Revenue CAGR: 6.96% | SUE: 0.37 | # QB: 0
EPS current Quarter (2026-09-30): EPS=1.51 | Chg30d=+0.66% | Revisions=+29% | Analysts=4
EPS current Year (2026-12-31): EPS=5.95 | Chg30d=+0.00% | Revisions=+29% | GrowthEPS=+1.4% | GrowthRev=+5.4%
EPS next Year (2027-12-31): EPS=6.26 | Chg30d=+0.00% | Revisions=+29% | GrowthEPS=+5.2% | GrowthRev=+3.5%
[Analyst] Revisions Ratio: +40% (up=9, down=3)