A Business at a Glance
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HOME BANCORP, INC.
HBCP
$551M
Mkt Cap
$70.21
+1.37%
HOME BANCORP, INC. (HBCP) has a current P/E ratio of 12.5, compared to its historical median P/E of 9.0. The stock is currently considered Expensive based on its historical valuation range.
HOME BANCORP, INC. (HBCP) has a 5-year average return on invested capital (ROIC) of 11.0%. This indicates solid capital allocation.
HOME BANCORP, INC. (HBCP) has a market capitalization of $550M. It is classified as a small-cap stock.
Yes, HOME BANCORP, INC. (HBCP) pays a dividend with a trailing twelve-month yield of 1.68%. The company also returns capital through share buybacks, with a buyback yield of 1.23%.
Based on historical P/E analysis, HOME BANCORP, INC. (HBCP) appears expensive. The current P/E of 12.5 is 39% above its historical median of 9.0. The estimated fair value CAGR (P/E method) is 9.0%.
HOME BANCORP, INC. (HBCP) operates in the Savings Institutions, Not Federally Chartered industry, within the Financials sector.
HOME BANCORP, INC. (HBCP) reported annual revenue of $209 million in its most recent fiscal year, based on SEC EDGAR filings.
General. Home Bancorp, Inc. (the “Company”) is a Louisiana corporation and the holding company for Home Bank, N.A. (the “Bank”). The Bank, which is headquartered in Lafayette, Louisiana and is a wholly-owned subsidiary of the Company, currently conducts business through 43 banking offices in the Acadiana, Baton Rouge, Greater New Orleans and Northshore (of Lake Pontchartrain) regions of south Louisiana, the Natchez region of west Mississippi and the Houston region of Texas. The Company is subject to regulation as a bank holding company by the Board of Governors of the Federal Reserve System (the “FRB” or the “Federal Reserve”). The Bank established HB Investment Fund I, LLC and HB Investment Fund II, LLC, wholly-owned subsidiaries of the Bank to invest in New Markets Tax Credits (“NMTC”) and Federal Tax Credits ("FTC") in our market areas. HB Investment Fund I, LLC was dissolved in October 2025 due to the conclusion of the NMTC compliance period for this subsidiary.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 151M | 209M | 199M | 178M | 140M | 123M |
| Net Income | 46M | 46M | 36M | 40M | 34M | 49M |
| EPS | $5.94 | $5.87 | $4.55 | $4.99 | $4.16 | $5.77 |
| Free Cash Flow | 50M | 44M | 45M | 39M | 48M | 53M |
| ROIC | 0.0% | 11.1% | 9.5% | 10.7% | 9.3% | 14.4% |
| Gross Margin | - | 73.9% | 72.3% | 83.3% | 89.0% | 94.9% |
| Debt/Equity | 0.00 | 0.07 | 0.08 | 0.11 | 0.16 | 0.16 |
| Dividends/Share | $1.18 | $1.14 | $1.01 | $1.00 | $0.93 | $0.91 |
| Operating Income | 0 | 58M | 45M | 50M | 43M | 60M |
| Operating Margin | 0.0% | 27.7% | 22.7% | 28.1% | 30.4% | 49.1% |
| ROE | 10.5% | 11.1% | 9.5% | 11.5% | 10.0% | 14.4% |
| Shares Outstanding | 8M | 8M | 8M | 8M | 8M | 8M |
| Metric | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 62M | 67M | 79M | 84M | 116M | 117M | 118M | 123M | 140M | 178M | 199M | 209M | 151M |
| Gross Margin | 91.0% | 91.2% | 89.3% | 89.5% | 87.7% | 83.5% | 89.9% | 94.9% | 89.0% | 83.3% | 72.3% | 73.9% | N/A |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 24M | 25M | 28M | 28M | 37M | 38M | 38M | 39M | 48M | 49M | 51M | 53M | 55M |
| EBIT | 15M | 19M | 24M | 29M | 38M | 34M | 31M | 60M | 43M | 50M | 45M | 58M | 0 |
| Op. Margin | 24.1% | 28.6% | 29.9% | 34.8% | 33.1% | 29.0% | 26.0% | 49.1% | 30.4% | 28.1% | 22.7% | 27.7% | 0.0% |
| Net Income | 9.9M | 13M | 16M | 17M | 32M | 28M | 25M | 49M | 34M | 40M | 36M | 46M | 46M |
| Net Margin | 15.8% | 18.7% | 20.3% | 19.9% | 27.3% | 24.0% | 20.9% | 39.5% | 24.4% | 22.6% | 18.3% | 22.0% | 30.7% |
| Non-Recurring | 52K | -230K | 599K | -33K | -52K | -335K | -11K | -474K | 67K | -27K | 33K | 3K | 3K |
| Returns on Capital | |||||||||||||
| ROIC | 6.7% | 7.9% | 9.3% | 7.4% | 10.9% | 9.0% | 7.8% | 14.4% | 9.3% | 10.7% | 9.5% | 11.1% | 0.0% |
| ROE | 6.7% | 7.9% | 9.3% | 7.4% | 10.9% | 9.0% | 7.8% | 14.4% | 10.0% | 11.5% | 9.5% | 11.1% | 10.5% |
| ROA | 0.9% | 0.9% | 1.0% | 0.9% | 1.4% | 1.3% | 1.0% | 1.8% | 1.1% | 1.2% | 1.1% | 1.3% | 1.3% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | 28M | 36M | 20M | 25M | 47M | 44M | 49M | 56M | 51M | 41M | 49M | 55M | 59M |
| Free Cash Flow | 25M | 35M | 16M | 23M | 42M | 40M | 47M | 53M | 48M | 39M | 45M | 44M | 50M |
| Owner Earnings | 25M | 32M | 16M | 20M | 40M | 37M | 43M | 49M | 44M | 34M | 41M | 47M | 21M |
| CapEx | 3.3M | 829K | 4.1M | 1.9M | 5.0M | 3.8M | 2.1M | 2.5M | 2.7M | 2.0M | 4.1M | 10M | 8.6M |
| Maint. CapEx | 1.7M | 2.6M | 2.6M | 2.7M | 4.3M | 4.5M | 4.4M | 4.2M | 5.1M | 5.2M | 4.8M | 4.4M | 34M |
| Growth CapEx | 1.6M | 0 | 1.5M | 0 | 661K | 0 | 0 | 0 | 0 | 0 | 0 | 5.8M | 0 |
| D&A | 1.7M | 2.6M | 2.6M | 2.7M | 4.3M | 4.5M | 4.4M | 4.2M | 5.1M | 5.2M | 4.8M | 4.4M | 34M |
| CapEx/OCF | 11.8% | 2.3% | 20.1% | 7.7% | 10.6% | 8.7% | 4.4% | 4.4% | 5.3% | 4.9% | 8.3% | N/A | 14.7% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 499K | 2.2M | 3.0M | 4.1M | 6.7M | 7.9M | 7.9M | 7.9M | 7.8M | 8.2M | 8.2M | 9.0M | 9.2M |
| Dividend Yield | 0.4% | 1.6% | 1.9% | 1.7% | 2.0% | 2.8% | 3.8% | 2.8% | 2.6% | 3.1% | 2.6% | N/A | 1.7% |
| Share Buybacks | 561K | 3.5M | 357K | 70K | 1.2M | 15M | 14M | 8.9M | 11M | 5.3M | 4.8M | 14M | 6.8M |
| Buyback Yield | 0.4% | 2.4% | 0.2% | 0.0% | 0.4% | 5.1% | 6.3% | 2.8% | 3.7% | 1.6% | 1.3% | 0.0% | 1.2% |
| Stock-Based Comp | 1.5M | 1.1M | 1.6M | 2.1M | 2.5M | 2.4M | 2.1M | 2.4M | 2.4M | 2.4M | 2.8M | 3.4M | 3.6M |
| Debt Repayment | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Balance Sheet | |||||||||||||
| Net Debt | 74M | 25M | -25M | -221M | -180M | -178M | -362M | -873M | -34M | -37M | -65M | -113M | -223M |
| Cash & Equiv. | 29M | 25M | 29M | 150M | 60M | 40M | 188M | 601M | 87M | 76M | 99M | 142M | 223M |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A | N/A | 0 | 0 | 54M | 0 | 0 | N/A | N/A |
| Debt/Equity | 0.67 | 1.37 | 1.05 | 0.59 | 0.46 | 0.38 | 0.25 | 0.16 | 0.16 | 0.11 | 0.08 | 0.07 | 0.00 |
| Interest Coverage | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Equity | 154M | 165M | 180M | 278M | 304M | 316M | 322M | 352M | 330M | 367M | 396M | 435M | 444M |
| Total Assets | 1.2B | 1.6B | 1.6B | 2.2B | 2.2B | 2.2B | 2.6B | 2.9B | 3.2B | 3.3B | 3.4B | 3.5B | 3.6B |
| Total Liabilities | 1.1B | 1.4B | 1.4B | 2.0B | 1.8B | 1.9B | 2.3B | 2.6B | 2.9B | 3.0B | 3.0B | 3.1B | 3.1B |
| Intangibles | 3.4M | 4.2M | 3.4M | 9.4M | 7.6M | 6.0M | 4.6M | 3.5M | 6.5M | 4.9M | 3.5M | 2.4M | 0 |
| Retained Earnings | 93M | 92M | 105M | 117M | 141M | 150M | 154M | 189M | 206M | 235M | 259M | 285M | 294M |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Per Share Data | |||||||||||||
| EPS | 1.42 | 1.79 | 2.25 | 2.28 | 3.40 | 3.05 | 2.85 | 5.77 | 4.16 | 4.99 | 4.55 | 5.87 | 5.94 |
| Owner EPS | 3.55 | 4.63 | 2.29 | 2.70 | 4.33 | 4.05 | 4.90 | 5.83 | 5.33 | 4.19 | 5.14 | 5.96 | 2.74 |
| Book Value | 22.17 | 23.54 | 25.28 | 37.66 | 32.72 | 34.54 | 37.04 | 41.76 | 40.29 | 45.57 | 49.47 | 55.45 | 56.73 |
| Cash Flow/Share | 4.01 | 5.16 | 2.88 | 3.35 | 5.07 | 4.80 | 5.64 | 6.61 | 6.25 | 5.13 | 6.09 | 6.95 | 10.24 |
| Dividends/Share | 0.07 | 0.30 | 0.41 | 0.55 | 0.71 | 0.84 | 0.88 | 0.91 | 0.93 | 1.00 | 1.01 | 1.14 | 1.18 |
| Shares Out. | 7.0M | 7.0M | 7.1M | 7.4M | 9.3M | 9.2M | 8.7M | 8.4M | 8.2M | 8.1M | 8.0M | 7.8M | 7.8M |
| Valuation | |||||||||||||
| P/E Ratio | 12.7 | 11.6 | 13.8 | 15.2 | 8.5 | 10.8 | 9.0 | 6.4 | 8.9 | 8.2 | 9.9 | N/A | 11.8 |
| P/FCF | 5.1 | 4.1 | 13.5 | 11.2 | 6.4 | 7.5 | 4.7 | 5.9 | 6.2 | 8.4 | 8.0 | N/A | 11.0 |
| EV/EBIT | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Price/Book | 0.8 | 0.9 | 1.2 | 0.9 | 0.9 | 1.0 | 0.7 | 0.9 | 0.9 | 0.9 | 0.9 | N/A | 1.2 |
| Price/Sales | 2.0 | 2.1 | 2.2 | 3.0 | 3.1 | 2.8 | 1.9 | 2.4 | 2.2 | 2.0 | 2.3 | N/A | 3.6 |
| FCF Yield | 19.6% | 24.4% | 7.4% | 8.9% | 15.7% | 13.3% | 21.1% | 17.0% | 16.0% | 11.9% | 12.4% | N/A | 9.1% |
| Market Cap | 125M | 145M | 221M | 256M | 268M | 302M | 222M | 313M | 302M | 331M | 359M | 0 | 550M |
| Avg. Price | 16.78 | 18.75 | 22.63 | 31.52 | 35.23 | 31.07 | 23.71 | 33.15 | 35.92 | 32.86 | 39.47 | 0.00 | 70.21 |
| Year-End Price | 18.02 | 20.69 | 31.03 | 34.72 | 28.87 | 33.00 | 25.58 | 37.09 | 36.92 | 41.03 | 44.90 | 0.00 | 70.21 |
HOME BANCORP, INC. passes 5 of 9 quality checks, suggesting mixed fundamentals.
HOME BANCORP, INC. trades at 12.5x trailing earnings, compared to its 15-year median P/E of 9.0x, suggesting it is currently Expensive relative to its historical range. On a free-cash-flow basis, the stock trades at 12.9x vs a median of 7.5x. The company's 5-year average ROIC is 11.0% with a gross margin of 82.7%. Total shareholder yield (dividends + buybacks) is 2.9%. At current prices, the estimated annualized return to fair value is +2.1%.
HOME BANCORP, INC. (HBCP) has a net profit margin of 22.0%. This is a strong margin indicating high profitability.
HOME BANCORP, INC. (HBCP) generated $44 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
HOME BANCORP, INC. (HBCP) has a debt-to-equity ratio of 0.07. This indicates a conservatively financed balance sheet.
HOME BANCORP, INC. (HBCP) reported earnings per share (EPS) of $5.87 in its most recent fiscal year.
HOME BANCORP, INC. (HBCP) has a return on equity (ROE) of 11.1%. This indicates moderate shareholder returns.
HOME BANCORP, INC. (HBCP) has a 5-year average gross margin of 82.7%. This high margin suggests strong pricing power and a potential competitive moat.
The Ledger Terminal provides 16 years of financial data for HOME BANCORP, INC. (HBCP), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
HOME BANCORP, INC. (HBCP) has a book value per share of $55.45, based on its most recent annual SEC filing.