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Home Bancorp, Inc.

Home Bancorp, Inc.

NASDAQ•HBCP
CEO: Mr. John W. Bordelon
セクター: Financial Services
業種: Banks - Regional
上場日: 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.
連絡先情報
503 Kaliste Saloom Road, Lafayette, LA, 70508, United States
337-237-1960
www.home24bank.com
時価総額
$478.85M
PER (TTM)
10.3
15
配当利回り
1.9%
52週高値
$64.17
52週安値
$39.59
52週レンジ
88%
順位36Top 31.8%
4.5
F-Score
改良版 Piotroski 分析
10年ファンダメンタル
堅調 • 4.5 / 9 ポイント
スコアレンジ (0-9)
8-9: 価値が優れている
6-7: 基礎体質が強い
4-5: 全体的に堅調
0-3: パフォーマンスが弱い
データ期間: 2016-2025

財務ダッシュボード

Q4 2025 データ

売上高

$52.77M+2.60%
直近4四半期の推移

EPS

$1.48+21.31%
直近4四半期の推移

フリーCF

$0.00+0.00%
直近4四半期の推移

2025 Q3 決算ハイライト

主なハイライト

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%.

リスク要因

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.

見通し

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.

同業比較

売上高 (TTM)

Kearny Financial Corp.KRNY
$343.87M
-1.6%
Capital Bancorp, Inc.CBNK
$303.63M
+25.6%
First Business Financial Services, Inc.FBIZ
$279.25M
+6.4%

粗利益率 (最新四半期)

Northfield Bancorp, Inc. (Staten Island, NY)NFBK
314.9%
+0.0pp
Sierra BancorpBSRR
100.0%
+0.0pp
Community West BancsharesCWBC
74.7%
+6.1pp

主要指標

銘柄コード
時価総額
PER (TTM)
ROE (TTM)
負債比率
RRBI$600.66M13.712.3%0.0%
AROW$570.06M12.910.6%0.7%
NFBK$567.57M678.30.1%17.7%

長期トレンド

直近4四半期
売上高
純利益
営業キャッシュフロー
4四半期売上高CAGR
1.0%
緩やかな成長
4四半期純利益CAGR
1.3%
収益性の緩やかな改善
キャッシュフロー安定性
75%
キャッシュフローの変動が大きい

深度リサーチ

次回決算:2026年4月20日
|
EPS:$1.36
|
売上高:$33.63M
財務レポート
財務データ
全年度

  • Form 10-Q - Q3 2025

    会計期末: 2025年9月30日|提出日: 2025年11月3日|
    売上高: $52.96M+3.7%
    |
    EPS: $1.60+35.6%
    予想を上回る

  • Form 10-Q - Q2 2025

    会計期末: 2025年6月30日|提出日: 2025年8月1日|
    売上高: $52.35M+6.4%
    |
    EPS: $1.47+44.1%
    予想を上回る

  • Form 10-Q - Q1 2025

    会計期末: 2025年3月31日|提出日: 2025年5月2日|
    売上高: $51.21M+7.4%
    |
    EPS: $1.38+20.0%
    予想を上回る

  • Form 10-K - FY 2024

    会計期末: 2024年12月31日|提出日: 2025年3月12日|
    売上高: $199.39M+11.8%
    |
    EPS: $4.58-8.6%
    予想を上回る

  • Form 10-Q - Q3 2024

    会計期末: 2024年9月30日|提出日: 2024年11月1日|
    売上高: $51.07M+9.9%
    |
    EPS: $1.18-3.3%
    予想を上回る

  • Form 10-Q - Q2 2024

    会計期末: 2024年6月30日|提出日: 2024年8月2日|
    売上高: $49.21M+13.1%
    |
    EPS: $1.02-16.4%
    予想を上回る

  • Form 10-Q - Q1 2024

    会計期末: 2024年3月31日|提出日: 2024年5月3日|
    売上高: $47.68M+15.1%
    |
    EPS: $1.15-17.9%
    予想を上回る

  • Form 10-K - FY 2023

    会計期末: 2023年12月31日|提出日: 2024年3月8日|
    売上高: $178.30M+27.5%
    |
    EPS: $5.01+19.6%
    予想を上回る