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

$459.46M

PER (TTM)

9.8

14.2

配当利回り

2.0%

52週高値

$64.17

52週安値

$39.59

52週レンジ

78%

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

$7.08M+0.00%

直近4四半期の推移

2025 Annual 決算ハイライト

主なハイライト

Strong Net Income Growth Net income reached $46.1M in 2025, marking a 26.5% increase from 2024; diluted EPS improved to $5.87.

Net Interest Margin Expansion NIM rose 32 basis points to 4.03% for 2025, driven by higher asset yields outpacing the decline in interest-bearing deposit costs.

Robust Deposit Growth Total deposits increased 6.9% to $3.0B by year-end 2025, primarily supported by a 9.8% increase in Certificates of Deposit.

Excellent Capital Adequacy Bank's CET1 ratio stood at 14.09% and Leverage ratio at 11.84% as of December 31, 2025, well above minimums.

リスク要因

Deteriorating Asset Quality Non-performing loans ratio sharply increased to 1.25% from 0.50%, primarily due to eight loan relationships totaling $21.5M.

Commercial Real Estate Concentration CRE loans comprise 43.4% of the total loan portfolio, making performance sensitive to adverse economic conditions.

Allowance Coverage Decline ALL coverage on nonaccrual loans dropped significantly to 97.16% in 2025, compared to 242.35% the prior year.

Geographic Market Concentration Business concentration in South Louisiana and Texas exposes results to volatility from the oil and gas industry sector.

見通し

Interest Rate Sensitivity Outlook Model suggests a 200 bps rate drop could reduce projected net interest income by 8.3% over the near term.

Lending Strategy Focus Future growth efforts are focused on higher-yielding commercial real estate and C&I loans over one-to-four-family residential.

Regulatory Burden Easing OCC announced changes effective 2026 to simplify supervision for community banks, potentially reducing prescriptive oversight.

Continued Growth Through Acquisitions Strategy includes potential future mergers and acquisitions, contingent on identifying suitable partners and financing terms.

同業比較

売上高 (TTM)

KRNY

$343.87M

-1.6%

CBNK

$303.63M

+25.6%

FBIZ

$279.25M

+6.4%

粗利益率 (最新四半期)

NFBK

314.9%

+0.0pp

BSRR

79.3%

+0.0pp

CWBC

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	$583.79M	13.7	12.3%	0.0%
NFBK	$551.28M	658.8	0.1%	17.2%
AROW	$530.03M	12.0	10.6%	0.7%

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

100%

優れたキャッシュフローの実績

深度リサーチ

次回決算:2026年4月20日

EPS:$1.36

売上高:$33.63M

財務データ

決算説明会

財務レポート

ニュース

損益計算書

バランスシート

キャッシュフロー計算書

財務比率

変化率

損益計算書	直近12ヶ月

データなし