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Home Bancorp
(NASDAQ:HBCP)
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Rating:70Outperform
Price Target:
$72.00
â–²(3.69% Upside)
Action:Reiterated
Date:10/20/26
HBCP’s score is led by solid financial performance (strong TTM revenue growth and an improved, lower-leverage balance sheet) and reasonable valuation (P/E 10.91 with a ~1.90% yield). Offsetting these positives are weak near-term technical signals and earnings-call risks centered on elevated credit costs and a jump in nonperforming assets, which may pressure results over the next few quarters despite management’s expectation of stabilization.
Positive Factors
Core Deposit Franchise
A sizable, low-cost core deposit base supports net interest income by reducing funding expense and improving resilience against rate competition. Noninterest-bearing balances also provide a durable funding advantage that can support lending growth and profitability across changing interest-rate environments.
Negative Factors
Deteriorating Credit Quality
The sharp increase in nonperforming and substandard assets creates a material risk to earnings through higher provisions, charge-offs, interest reversals, and foreclosure costs. Even if credit issues peak soon, workout activity can continue weighing on profitability and capital efficiency for several quarters.
Read all positive and negative factors
Positive Factors
Negative Factors
Core Deposit Franchise
A sizable, low-cost core deposit base supports net interest income by reducing funding expense and improving resilience against rate competition. Noninterest-bearing balances also provide a durable funding advantage that can support lending growth and profitability across changing interest-rate environments.
Read all positive factors
Home Bancorp (HBCP) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$480.77M
Dividend Yield2.05%
Average Volume (3M)70.82K
Price to Earnings (P/E)10.6
Beta (1Y)0.73
Revenue Growth0.96%
EPS Growth1.16%
CountryUS
Employees486
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)5.74
Shares Outstanding7,870,750
10 Day Avg. Volume81,776
30 Day Avg. Volume70,819
Financial Highlights & Ratios
PEG Ratio0.33
Price to Book (P/B)1.03
Price to Sales (P/S)2.15
P/FCF Ratio10.13
Enterprise Value/Market Cap0.82
Enterprise Value/Revenue1.87
Enterprise Value/Gross Profit2.59
Enterprise Value/Ebitda6.64
Forecast
1Y Price Target
$65.00Price Target Upside-6.39% Downside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)5.96
Revenue Forecast (FY)$159.03M
Home Bancorp Business Overview & Revenue Model
Company Description
Home Bancorp, Inc. serves as the parent company for Home Bank, National Association, delivering a comprehensive array of banking and financial services across Louisiana and Mississippi. Its product portfolio includes diverse deposit accounts such ...
How the Company Makes Money
Home Bancorp primarily makes money through its banking subsidiary by generating net interest income and noninterest income. Net interest income is earned from the spread between (1) interest and fees collected on interest-earning assets—primarily ...
Home Bancorp Earnings Call Summary
Earnings Call Date:Oct 19, 2026
(Q3-2026)
| % Change Since: |
Next Earnings Date:Jan 26, 2027
Earnings Call Sentiment Neutral
The call presented strong core earnings, a robust and diversified loan pipeline, solid capital and liquidity, a valuable deposit franchise, and a planned leadership transition designed to preserve continuity. However, the quarter was materially affected by rising nonperforming assets, higher credit costs, foreclosed asset write-downs, elevated paydowns and deposit competition. Management expressed confidence that credit issues are close to a peak and that the balance sheet is positioned for higher rates, but the near-term credit challenges were significant.Positive Updates
Planned CEO Succession and Leadership Continuity
John Bordelon announced that he will retire as Chief Executive Officer in January 2027, with President Darren Guidry named as his successor. Bordelon will remain Chairman of the Board, and management described the transition as planned and deliberate, with no significant change expected in how the company operates.
Negative Updates
Lower Quarterly Earnings Due to Credit-Related Costs
Third-quarter net income was $10.1 million, or $1.28 per share, compared with $1.48 per share in the second quarter. Results were impacted by higher credit-related costs, including elevated foreclosed asset expense and the reversal of interest on loans moved to nonaccrual status. Return on assets was 1.12%.
Read all updates
Q3-2026 Updates
Positive
Negative
Planned CEO Succession and Leadership Continuity
John Bordelon announced that he will retire as Chief Executive Officer in January 2027, with President Darren Guidry named as his successor. Bordelon will remain Chairman of the Board, and management described the transition as planned and deliberate, with no significant change expected in how the company operates.
Read all positive updates
Company Guidance
Management expects foreclosed asset expense to be lower than what we saw in the third quarter, although likely above historical levels; net charge-offs may be somewhat elevated over the next couple of quarters; several substandard credits may resolve in the fourth quarter, with others extending into early 2027; quarterly noninterest income is expected to remain stable in the range of $4 million to $4.2 million, while excluding foreclosed asset costs, noninterest expense is expected to be in the range of $24.2 million to $24.6 million over the next couple of quarters and reflect a typical annual increase of approximately 4% to 5% beginning in the second quarter of 2027; management cited 4.27%, 4.28% as the starting point going forward for NIM and expects a slight upward march in NIM or at least stability after a quarter or 2 more hikes; paydowns are expected to include another $5 million by the end of the year and early in the first quarter, another $5 million, while the pipeline is about $440 million, with about $132 million committed, and most of the $400 million will close by the end of the year and mid first quarter.Home Bancorp Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
82
Very Positive
Cash Flow
70
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 211.33M | 209.23M | 199.39M | 178.30M | 139.81M | 123.17M |
| Gross Profit | 152.97M | 147.58M | 132.37M | 132.49M | 124.13M | 127.03M |
| EBITDA | 59.63M | 61.33M | 48.68M | 53.72M | 45.97M | 63.52M |
| Net Income | 44.48M | 46.06M | 36.43M | 40.24M | 34.07M | 48.62M |
Balance Sheet | ||||||
| Total Assets | 3.60B | 3.49B | 3.44B | 3.32B | 3.23B | 2.94B |
| Cash, Cash Equivalents and Short-Term Investments | 594.65M | 180.72M | 114.46M | 91.95M | 574.27M | 929.42M |
| Total Debt | 54.84M | 57.70M | 235.54M | 252.49M | 235.76M | 31.59M |
| Total Liabilities | 3.14B | 3.06B | 3.05B | 2.95B | 2.90B | 2.59B |
| Stockholders Equity | 453.10M | 435.09M | 396.09M | 367.44M | 329.95M | 351.90M |
Cash Flow | ||||||
| Free Cash Flow | 30.83M | 44.34M | 44.67M | 39.33M | 48.49M | 53.24M |
| Operating Cash Flow | 39.74M | 54.51M | 48.73M | 41.36M | 51.20M | 55.72M |
| Investing Cash Flow | -118.03M | -2.88M | -107.11M | -94.25M | -495.35M | 54.93M |
| Financing Cash Flow | 77.19M | -8.57M | 81.09M | 41.33M | -69.89M | 302.85M |
Home Bancorp Technical Analysis
Negative
69.44
Price Trends
67.20
Negative
68.09
Negative
64.69
Negative
Market Momentum
-1.87
Positive
31.01
Neutral
39.70
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HBCP, the sentiment is Negative. The current price of 69.44 is above the 20-day moving average (MA) of 64.64, above the 50-day MA of 67.20, and above the 200-day MA of 64.69, indicating a bearish trend. The MACD of -1.87 indicates Positive momentum. The RSI at 31.01 is Neutral, neither overbought nor oversold. The STOCH value of 39.70 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for HBCP.
Home Bancorp Risk Analysis
Home Bancorp disclosed 22 risk factors in its most recent earnings report. Home Bancorp reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Home Bancorp Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
79 Outperform | $672.01M | 5.16 | 27.40% | 0.66% | 40.09% | 327.11% | |
79 Outperform | $674.48M | 14.68 | 12.47% | 0.88% | 7.25% | 22.64% | |
76 Outperform | $609.05M | 10.98 | 14.75% | 1.80% | 6.56% | 16.72% | |
71 Outperform | $519.26M | 9.54 | 11.72% | 3.34% | 35.31% | 190.50% | |
70 Outperform | $480.77M | 10.64 | 9.96% | 2.06% | 0.96% | 1.16% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
63 Neutral | $601.25M | 15.69 | 4.84% | 4.74% | 1.22% | 24.10% |
* Financial Sector Average
HBCP
Home Bancorp
61.06
8.65
16.50%
FBIZ
First Business Financial
72.78
23.80
48.59%
KRNY
Kearny Financial
9.26
3.05
49.09%
CARE
Carter Bankshares
30.32
12.47
69.89%
RRBI
Red River Bancshares
102.44
35.52
53.09%
COFS
ChoiceOne Financial Services
34.72
5.73
19.75%
Home Bancorp Corporate Events
Business Operations and StrategyDividendsFinancial Disclosures
Home Bancorp Reports Q3 Earnings and Declares Dividend
Negative
Oct 19, 2026
Home Bancorp reported third-quarter 2026 net income of $10.1 million, or $1.28 per diluted share, down from $11.6 million, or $1.48 per diluted share, in the prior quarter, as net interest margin slipped five basis points to 4.19% amid credit-rela...
Financial Disclosures
Home Bancorp Plans Release of Third-Quarter 2026 Results
Neutral
Oct 5, 2026
Home Bancorp, Inc., the Lafayette, Louisiana-based parent of community bank Home Bank, N.A., operates as a federally chartered institution with deep roots in its local markets. The company serves customers across South Louisiana, Natchez, Mississi...
Business Operations and StrategyExecutive/Board ChangesDividendsFinancial Disclosures
Home Bancorp Posts Strong Second-Quarter 2026 Results
Positive
Jul 20, 2026
Home Bancorp reported solid second-quarter 2026 results on July 20, with net income rising to $11.6 million, or $1.48 per diluted share, from $11.4 million in the first quarter. Return on assets reached 1.31% and net interest margin expanded to 4....
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.