Home Bancorp, Inc. HBCP

Competitive advantage analysis · financial-services

Bank Specialized
Overall moat score
66/100
Moderate

Ranked against 399 peers in Banks - Regional

About Home Bancorp, Inc.

Home Bancorp, Inc. operates as the bank holding company for Home Bank, National Association that provides various banking products and services in Louisiana, Mississippi, and Texas. It offers deposit products, including interest-bearing and noninterest-bearing checking, money market, savings, NOW, and certificates of deposit accounts. The company also provides various loan products comprising one-to four-family first mortgage loans, home equity loans … Full HBCP analysis →

Key strengths

  • Strong Capital Position Capital position is strong (score 0.78), exceeding regulatory minimums.
  • Disciplined Risk Management Risk management appears disciplined (asset quality score 0.80).

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

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Deposit Franchise

Moderate
65
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Signals, strengths and risks for Deposit Franchise

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Signals, strengths and risks for Lending Advantage

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Signals, strengths and risks for Capital Strength

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Signals, strengths and risks for Cost Discipline

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Signals, strengths and risks for Revenue Diversification

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Signals, strengths and risks for Risk Management

Where HBCP ranks in Banks - Regional

Home Bancorp, Inc. ranks #81 of 393 scored companies in Banks - Regional by moat score — the top 21%. The widest moat in the group is 1st Source Corporation (SRCE) at 86/100.

# Company Moat score Rating
77 First Bancorp, Inc (ME) FNLC 67/100 Moderate
78 TriCo Bancshares TCBK 67/100 Moderate
79 Central Pacific Financial Corp CPF 66/100 Moderate
80 Community Financial System, Inc CBU 66/100 Moderate
81 Home Bancorp, Inc. HBCP 66/100 Moderate
82 Bank of the James Financial Gro BOTJ 66/100 Moderate
83 Parke Bancorp, Inc. PKBK 66/100 Moderate
84 Burke & Herbert Financial Servi BHRB 66/100 Moderate
85 First FCF 65/100 Moderate

See every Banks & Lenders company ranked by moat score →

How HBCP scores on the Bank Specialized defenses

Deposit Franchise

Score 65 · 22% of the moat score

A deposit franchise is the cheapest and most valuable thing a bank can own.

Lending Advantage

Score 64 · 18% of the moat score

Lending advantage is the ability to originate loans at attractive spreads without buying that volume with looser credit standards.

Capital Strength

Score 73 · 20% of the moat score

Capital is the buffer between loan losses and insolvency, and it is what regulators judge a bank on first.

Cost Discipline

Score 62 · 16% of the moat score

Banking carries high fixed costs in branches, compliance and technology, so what it costs to run the bank relative to what the bank earns is a genuine competitive variable.

Revenue Diversification

Score 64 · 14% of the moat score

A bank earning everything from net interest income is a leveraged bet on the rate cycle.

Risk Management

Score 70 · 10% of the moat score

Risk management is the defense that only reveals itself late.

How each Bank Specialized defense is measured, in full →

Understanding HBCP's moat

What is Home Bancorp, Inc.'s moat score?

Home Bancorp, Inc. (HBCP) scores 66 out of 100 on the StatsAlpha Moat Map, which rates its competitive advantage as moderate. It ranks #81 of 393 scored companies in Banks - Regional, the top 21%. The score is a weighted composite of 6 competitive defenses, each measured against industry peers of 399 companies in Banks - Regional. Its strongest defense is Capital Strength (73/100) and its weakest is Cost Discipline (62/100).

How does Home Bancorp, Inc. compare with other Banks - Regional companies?

Home Bancorp, Inc. ranks #81 of 393 scored companies in Banks - Regional by moat score. The widest moat in Banks - Regional is 1st Source Corporation (SRCE) at 86/100. The companies ranked closest are Community Financial System, Inc (CBU) at 66 just above it and Bank of the James Financial Gro (BOTJ) at 66 just below it.

How is the moat score calculated?

Each company is scored with an industry-specific template — Bank Specialized in this case, chosen because the defenses that matter to a bank are not the ones that matter to a software company. Every defense combines several financial signals, and each signal is measured as a percentile against a peer group of 399 companies in Banks - Regional. The defenses are then weighted to produce the overall score out of 100.

Why is Home Bancorp, Inc. scored with the Bank Specialized template?

A bank does not sell a product at a margin. It funds itself, lends at a spread, and books profits that remain an estimate until the loans are actually repaid. That makes the usual margin-and-return questions misleading, so the Bank template scores what really determines a bank's durability: where its funding comes from, what it lends against, how much capital stands behind it, and whether it has been pricing risk honestly.

Which competitive defenses are measured for Home Bancorp, Inc.?

The Bank Specialized template measures 6 defenses, and HBCP scores: Deposit Franchise (65), Lending Advantage (64), Capital Strength (73), Cost Discipline (62), Revenue Diversification (64), Risk Management (70). Each is scored independently as a percentile against peers, so a company can be strong on one and weak on another — the overall score reflects how those defenses are weighted for this industry.

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