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HBCP

Home Bancorp, Inc.

HBCP

Home Bancorp, Inc. • NASDAQ
$55.47 ▼ -0.52% (-0.29)
Market Cap $434.23 M
52w High $61.07
52w Low $39.59
Dividend Yield 1.14%
P/E 9.87
Volume 5.91K
Outstanding Shares 7.83M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $52.96M ▲ $22.531M ▼ $12.357M ▲ 23.333% ▲ $1.6 ▲ $16.368M ▲
Q2-2025 $52.345M ▲ $23.377M ▲ $11.33M ▲ 21.645% ▲ $1.47 ▲ $14.984M ▲
Q1-2025 $51.21M ▼ $21.579M ▼ $10.964M ▲ 21.41% ▲ $1.38 ▲ $14.619M ▲
Q4-2024 $51.433M ▲ $22.115M ▼ $9.673M ▲ 18.807% ▲ $1.22 ▲ $12.772M ▲
Q3-2024 $51.071M $22.258M $9.437M 18.478% $1.18 $12.593M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $219.962M ▲ $3.494B ▲ $3.071B ▼ $423.044M ▲
Q2-2025 $136.837M ▼ $3.491B ▲ $3.083B ▲ $408.818M ▲
Q1-2025 $141.594M ▲ $3.485B ▲ $3.083B ▲ $402.831M ▲
Q4-2024 $114.464M ▼ $3.444B ▲ $3.048B ▼ $396.088M ▲
Q3-2024 $147.606M $3.442B $3.049B $393.453M

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q3-2025 $12.357M ▲ $21.489M ▲ $74.741M ▲ $-19.501M ▼ $76.729M ▲ $20.656M ▲
Q2-2025 $11.33M ▲ $8.749M ▼ $-4.044M ▲ $-2.772M ▼ $1.933M ▼ $7.903M ▼
Q1-2025 $10.964M ▲ $12.576M ▲ $-24.82M ▲ $24.358M ▲ $12.114M ▲ $8.703M ▲
Q4-2024 $9.673M ▲ $5.832M ▼ $-47.051M ▼ $3.89M ▼ $-37.329M ▼ $5.286M ▼
Q3-2024 $9.437M $17.606M $-2.082M $6.891M $22.415M $16.964M

Revenue by Products

Product Q4-2024Q1-2025Q2-2025Q3-2025
Credit Card
Credit Card
 $0 ▲$0 ▲$0 ▲$0 ▲
Deposit Account
Deposit Account
 $0 ▲$0 ▲$0 ▲$0 ▲

Five-Year Company Overview

Income Statement

Income Statement Home Bancorp’s income statement shows a steady, disciplined bank rather than a fast-growth story. Revenue has generally trended upward over the past several years, and core profitability has been relatively stable. Earnings were strongest a few years ago and have eased a bit since then, but they still sit well above earlier pandemic-era levels. The business appears to be maintaining healthy margins for a community bank, but it is not on a sharp growth or decline path—more of a slow and steady performer with some earnings normalization after a prior peak.

Balance Sheet

Balance Sheet The balance sheet looks like that of a conservatively run regional bank that has grown over time. Total assets have expanded at a measured pace, suggesting gradual market and lending growth. Equity has built up steadily, which supports capital strength and loss-absorbing capacity. Debt levels are much higher now than they were several years ago, but they have been fairly stable in the most recent years, indicating that the step-up in leverage may have been part of a deliberate growth or funding strategy. Cash spiked at one point and then returned to more typical levels, which may reflect temporary liquidity positioning rather than a structural shift. Overall, it reads as a solid but not bulletproof balance sheet: adequately capitalized, with higher reliance on borrowings than in the past.

Cash Flow

Cash Flow Cash generation from the core banking business has been consistent, with operating cash flow and free cash flow moving within a narrow range over several years. The bank does not appear to be very capital intensive—spending on physical assets is minimal—which helps keep free cash flow close to operating cash flow. This pattern suggests the bank has a reasonably dependable internal cash engine that can support dividends, balance sheet growth, or acquisitions without requiring heavy ongoing investment. However, the absence of large swings also means there is no clear sign of a new, stronger earnings engine emerging; it is steady rather than transformative.

Competitive Edge

Competitive Edge Home Bancorp competes as a classic community and regional bank focused on Louisiana, Mississippi, and Texas. Its edge is not cutting-edge technology, but strong local relationships, personalized service, and local decision-making on loans. This can be very attractive to small and mid-sized businesses that value speed, flexibility, and bankers who understand the local economy. The bank has grown through a mix of organic expansion and targeted acquisitions, which has helped it build scale while preserving its community feel. On the other hand, it faces constant pressure from larger national banks with more resources and from digital-first fintech players. Because its digital offerings are broadly in line with industry standards rather than clearly differentiated, it must continue to lean on service quality and local knowledge to defend its niche.

Innovation and R&D

Innovation and R&D Innovation at Home Bancorp is mostly practical and customer-facing rather than disruptive. The bank has rolled out standard digital tools—online banking, mobile apps, and remote check deposit—and has layered in business services like ACH and accounting software integration. These are now baseline expectations in banking, but Home Bancorp’s strategy is to use them to make its relationship banking model more convenient, not to reinvent itself as a tech company. Looking forward, the main innovation themes appear to be better digital onboarding, richer tools for business clients, and selective partnerships with fintechs rather than heavy in-house R&D. The risk is that if the broader industry moves faster on advanced digital features, the bank could lag; the opportunity is to selectively adopt proven technologies that enhance service without overextending resources.

Summary

Putting it all together, Home Bancorp looks like a steady, relationship-driven regional bank with gradual growth, solid profitability, and a conservative operating style. Its financial statements point to a business that has scaled up over time, taken on more funding leverage, but also built equity and maintained consistent cash generation. The competitive story is less about technology leadership and more about community roots, local decision-making, and a focus on small and mid-sized businesses. The main opportunities lie in continuing disciplined expansion, deepening commercial relationships, and using digital tools to make its traditional strengths more convenient. Key risks include rising competition from larger banks and fintechs, the need to keep pace with evolving digital expectations, and the usual credit and interest-rate risks that all regional banks face. Overall, this is a story of incremental evolution rather than dramatic transformation.

NEWS

October 20, 2025 · 4:23 PM UTC

HOME BANCORP, INC. ANNOUNCES 2025 THIRD QUARTER RESULTS AND INCREASES QUARTERLY DIVIDEND BY 7%

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