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Company Analysis

Home Bancorp, Inc. HBCP

A comprehensive view of key metrics, scores, and financial health for Home Bancorp, Inc.

Overview of Home Bancorp, Inc.

HBCP NMS
Financial Services Banks - Regional Small Cap
Home Bancorp, Inc. (HBCP), is a Small Cap company, in the Banks - Regional industry, last closed at $57.90, about 3.0% overvalued vs fair value, +29.5% 1Y return, ranked 437/1004 in sector.
$57.90
-2.25%
As of March 13, 2026
Previous close • Vol 90d: 27.0%
52-Week Range
Market Cap
$453.43M
Enterprise Value
$369.53M
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://www.home24bank.com
HQ Lafayette, LA
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$31
$56
$105
Current: $57.90 -3% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$184.8M
12.9%%
Interest Expense
$60.5M
Net Interest Income
$120.3M
-0.4%%
Total Revenue
$209.2M
55.1%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
9.2%
Fair

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$13.0M
35.6% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Home Bancorp, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
64
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
59
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing HBCP's balance between Growth (24.4%), Profitability (38.8%), and Safety (36.9%). Growth 24% Safety 37% Profitability 39%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

40th percentile vs peers
40
Key Signals
Rev Growth YoY 55.1% 47p Revenue CAGR 3Y 16.6% 41p Asset Growth YoY 1.4% 29p
Strengths

No notable strengths identified for this axis.

Risks
  • Growth below peer median (percentile: 40)

Profitability

64th percentile vs peers
64
Key Signals
Strengths
Risks
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Safety

60th percentile vs peers
61
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Home Bancorp, Inc..

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$56.18
- - -
-3.0% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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