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Home Bancorp, Inc.

Home Bancorp, Inc.

NASDAQ•HBCP
CEO: Mr. John W. Bordelon
Sector: Financial Services
Industry: Banks - Regional
Listing Date: 2008-10-08
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 and lines, commercial real estate loans, construction and land loans, multi-family residential loans, commercial and industrial loans, and consumer loans. In addition, it invests in securities; and offers credit cards and online banking services. Home Bancorp, Inc. was founded in 1908 and is headquartered in Lafayette, Louisiana.
Contact Information
503 Kaliste Saloom Road, Lafayette, LA, 70508, United States
337-237-1960
www.home24bank.com
Market Cap
$476.19M
P/E (TTM)
10.7
15.1
Dividend Yield
1.9%
52W High
$62.15
52W Low
$39.59
52W Range
94%
Rank36Top 31.8%
4.5
F-Score
Modified Piotroski Analysis
Based on 10-year fundamentals
Average • 4.5 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2016-2025

Financial Dashboard

Q3 2025 Data

Revenue

$52.96M+3.70%
4-Quarter Trend

EPS

$1.60+35.59%
4-Quarter Trend

FCF

$20.66M+21.76%
4-Quarter Trend

2025 Q3 Earnings Highlights

Key Highlights

Net Income Growth Strong 9M 2025 net income reached $34.7M, marking a 29.5% year-over-year increase; diluted EPS improved to $4.41 from $3.34.
NIM Expansion Continues Tax-equivalent NIM expanded 35 basis points year-over-year to 4.02% for the nine months, driven by higher asset yields and lower funding costs.
Deposit Base Increased Total deposits grew $194.8M, or 7.0%, to $2.98B since year-end 2024, supported by strong Certificate of Deposit growth of 13.5%.
Capital Ratios Strong Company maintained robust capital levels with Tier 1 Risk-Based Capital ratio at 12.50% and Total Risk-Based Capital ratio at 15.60%.

Risk Factors

Nonperforming Assets Surge Nonperforming assets increased 98.0% to $30.9M, driven by seven loan relationships moving to nonaccrual status during the period.
Loan Portfolio Shrinkage Total loans decreased $12.3M (0.5%) since December 31, 2024, with Construction and Land loans declining significantly by 7.5%.
Credit Loss Provisioning 9M 2025 required $654K provision for loan losses due to loan mix and rising nonperforming assets, reversing $229K in Q3 2025.
Interest Rate Sensitivity Model indicates potential 6.7% drop in projected NII under a sustained 200 bps rate decrease scenario, highlighting rate risk exposure.

Outlook

NIM Outlook Positive Projected NII shows positive sensitivity (5.2% increase) to sustained 200 bps rate hikes, suggesting NIM benefits from current rate environment.
Asset Quality Monitoring Management continues close monitoring of asset quality, noting significant increase in substandard loans, requiring ongoing allowance adjustments.
Loan Modification Performance Loan modifications for Q3 2025 totaled $13.3M in deferrals, with performance tracked closely; modifications did not significantly impact ALL this period.
Regulatory Adaptation Focus Company is evaluating impact of new accounting pronouncements (ASU 2023-07, 2023-09) but expects no material immediate impact on statements.

Peer Comparison

Revenue (TTM)

Kearny Financial Corp.KRNY
$344.01M
+4.4%
First Business Financial Services, Inc.FBIZ
$277.15M
+8.2%
Civista Bancshares, Inc.CIVB
$248.57M
+3.4%

Gross Margin (Latest Quarter)

Red River Bancshares, Inc.RRBI
72.2%
+4.0pp
ChoiceOne Financial Services, Inc.COFS
72.0%
+4.5pp
Home Bancorp, Inc.HBCP
71.9%
+5.4pp

Key Metrics

Symbol
Market Cap
P/E (TTM)
ROE (TTM)
Debt to Assets
AROW$537.17M15.68.4%0.6%
RRBI$506.88M12.212.1%0.1%
KRNY$493.85M16.73.9%15.8%

Long-Term Trends

Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
1.0%
Moderate Growth
4Q Net Income CAGR
8.5%
Profitability Improving
Cash Flow Stability
100%
Strong Cash Flow

Research & Insights

Next earnings:Jan 26, 2026
|
EPS:$1.39
|
Revenue:$33.73M
Reports
All Years

  • Form 10-Q - Q3 2025

    Period End: Sep 30, 2025|Filed: Nov 3, 2025|
    Revenue: $52.96M+3.7%
    |
    EPS: $1.60+35.6%
    Beat

  • Form 10-Q - Q2 2025

    Period End: Jun 30, 2025|Filed: Aug 1, 2025|
    Revenue: $52.35M+6.4%
    |
    EPS: $1.47+44.1%
    Beat

  • Form 10-Q - Q1 2025

    Period End: Mar 31, 2025|Filed: May 2, 2025|
    Revenue: $51.21M+7.4%
    |
    EPS: $1.38+20.0%
    Beat

  • Form 10-K - FY 2024

    Period End: Dec 31, 2024|Filed: Mar 12, 2025|
    Revenue: $199.39M+11.8%
    |
    EPS: $4.58-8.6%
    Beat

  • Form 10-Q - Q3 2024

    Period End: Sep 30, 2024|Filed: Nov 1, 2024|
    Revenue: $51.07M+9.9%
    |
    EPS: $1.18-3.3%
    Beat

  • Form 10-Q - Q2 2024

    Period End: Jun 30, 2024|Filed: Aug 2, 2024|
    Revenue: $49.21M+13.1%
    |
    EPS: $1.02-16.4%
    Beat

  • Form 10-Q - Q1 2024

    Period End: Mar 31, 2024|Filed: May 3, 2024|
    Revenue: $47.68M+15.1%
    |
    EPS: $1.15-17.9%
    Beat

  • Form 10-K - FY 2023

    Period End: Dec 31, 2023|Filed: Mar 8, 2024|
    Revenue: $178.30M+27.5%
    |
    EPS: $5.01+19.6%
    Beat