HBCP Stock Analysis: Home Bancorp | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 537m USD | 12M Return: 26.6% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 5.49M
EPS Trend: 53.2%
Qual. Beats: 0
Rev. Trend: 95.9%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
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: 46.5m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.14 > 1.0 |
| NWC/Revenue: -1.12k% < 20% (prev -1.40k%; Δ 275.6% < -1%) |
| CFO/TA 0.02 > 3% & CFO 58.7m > Net Income 46.5m |
| Net Debt (-555.0m) to EBITDA (61.9m): -8.96 < 3 |
| Current Ratio: 0.22 > 1.5 & < 3 |
| Outstanding Shares: last quarter (7.83m) vs 12m ago -2.40% < -2% |
| Gross Margin: 71.84% > 18% (prev 66.73%; Δ 5.10% > 0.5%) |
| Asset Turnover: 5.95% > 50% (prev 5.82%; Δ 0.13% > 0%) |
| Interest Coverage Ratio: 1.00 > 6 (EBIT TTM 58.6m / Interest Expense TTM 58.3m) |
| A: -0.66 (Total Current Assets 676.1m - Total Current Liabilities 3.03b) / Total Assets 3.55b |
| B: 0.08 (Retained Earnings 293.6m / Total Assets 3.55b) |
| C: 0.02 (EBIT TTM 58.6m / Avg Total Assets 3.52b) |
| D: 0.14 (Book Value of Equity 444.4m / Total Liabilities 3.11b) |
| Altman-Z'' = -3.81 = D |
As of July 08, 2026, the stock is trading at USD 68.55 with a total of 63,761 shares traded. Over the past week, the price has changed by -0.54%, over one month by +4.50%, over three months by +9.90% and over the past year by +26.60%.
Current recommended Stop Loss: 66.50 (which is 3% or 1.2 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 | -0.6% |
P/E Trailing = 11.516
P/E Forward = 9.3985
P/S = 3.5685
P/B = 1.2048
Revenue TTM = 209.6m USD
EBIT TTM = 58.6m USD
EBITDA TTM = 61.9m USD
Long Term Debt = 54.7m USD (from longTermDebt, last quarter)
Short Term Debt = 4.33m USD (from shortTermDebt, last fiscal year)
Debt = 54.7m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -555.0m USD (calculated: Debt 54.7m - CCE 609.7m)
Enterprise Value = 537.4m USD (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = 1.00 (Ebit TTM 58.6m / Interest Expense TTM 58.3m)
EV/FCF = 10.73x (Enterprise Value 537.4m / FCF TTM 50.1m)
FCF Yield = 9.32% (FCF TTM 50.1m / Enterprise Value 537.4m)
FCF Margin = 23.91% (FCF TTM 50.1m / Revenue TTM 209.6m)
Net Margin = 22.17% (Net Income TTM 46.5m / Revenue TTM 209.6m)
Gross Margin = 71.84% ((Revenue TTM 209.6m - Cost of Revenue TTM 59.0m) / Revenue TTM)
Gross Margin QoQ = 72.45% (prev 71.29%)
Tobins Q-Ratio = 0.15 (Enterprise Value 537.4m / Total Assets 3.55b)
Interest Expense / Debt = 106.6% (Interest Expense 58.3m / Debt 54.7m)
Taxrate = 20.71% (12.1m / 58.6m)
NOPAT = 46.5m (EBIT 58.6m * (1 - 20.71%))
Current Ratio = 0.22 (Total Current Assets 676.1m / Total Current Liabilities 3.03b)
Debt / Equity = 0.12 (Debt 54.7m / totalStockholderEquity, last quarter 444.4m)
Debt / EBITDA = -8.96 (Net Debt -555.0m / EBITDA 61.9m)
Debt / FCF = -11.08 (Net Debt -555.0m / FCF TTM 50.1m)
Total Stockholder Equity = 427.8m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.32% (Net Income 46.5m / Total Assets 3.55b)
RoE = 10.86% (Net Income TTM 46.5m / Total Stockholder Equity 427.8m)
RoCE = 12.14% (EBIT 58.6m / Capital Employed (Equity 427.8m + L.T.Debt 54.7m))
RoIC = 8.90% (NOPAT 46.5m / Invested Capital 521.7m)
WACC = 7.77% (E(537.4m)/V(592.1m) * Re(8.56%) + (debt cost/tax rate unavailable))
Discount Rate = 8.56% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -64.44 | Cagr: -0.97%
[DCF] Terminal Value 77.67% ; FCFF base≈47.8m ; Y1≈53.9m ; Y5≈76.0m
[DCF] Fair Price = 217.3 (EV 1.15b - Net Debt -555.0m = Equity 1.70b / Shares 7.84m; r=8.35% [WACC [floored]]; 5y FCF grow 13.08% → 2.50% )
EPS Correlation: 53.20 | EPS CAGR: 5.93% | SUE: 0.78 | # QB: 0
Revenue Correlation: 95.87 | Revenue CAGR: 9.42% | SUE: 0.67 | # QB: 0
EPS current Quarter (2026-06-30): EPS=1.46 | Chg30d=+1.39% | Revisions=+29% | Analysts=4
EPS next Quarter (2026-09-30): EPS=1.51 | Chg30d=+0.66% | Revisions=+29% | Analysts=4
EPS current Year (2026-12-31): EPS=5.95 | Chg30d=+1.84% | Revisions=+29% | GrowthEPS=+1.4% | GrowthRev=+5.4%
EPS next Year (2027-12-31): EPS=6.26 | Chg30d=+1.87% | Revisions=+29% | GrowthEPS=+5.2% | GrowthRev=+3.5%
[Analyst] Revisions Ratio: +42% (up=12, down=4)