Home Bancorp HBCP
$60.94 +$0.23 (+0.38%)
Market closed · Nov 6, 8:10 pm ET · Last extended-hours $60.94 0.00%
Open$60.76
Prev close$60.71
Day range$60.61 – $61.71
Volume80.3K
Market cap$474.06M
P/E (TTM)10.7
Dividend yield2.05%
Fundamentals
Latest reported quarter: Q3, ended Sep 2026
Revenue$40.12M+6.0% YoY
Net profit$10.10M-18.3% YoY
Diluted EPS$1.28-19.5% YoY
Free cash flow$9.29M+17.6% YoY
Operating cash flow$11.23M
Revenue, last 8 quarters
Net profit, last 8 quarters
Diluted EPS by quarter
Free cash flow by quarter
Annual revenue
Profitability & balance sheet
Net margin28.5%
Return on equity10.2%
Return on assets1.3%
Liabilities / assets87.4%
Cash & investments$179.05M
Total debt$54.84M
Net cash (debt)$124.22M
Income statement
| Line item | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| Total Operating Revenue | $40.12M | $39.72M | $38.22M | $148.72M | $38.05M |
| Net Interest Income | $35.92M | $35.81M | $34.48M | $133.25M | $34.05M |
| -Interest Income | $49.74M | $49.22M | $47.74M | $193.77M | $48.72M |
| -Interest Expense | $13.83M | $13.41M | $13.26M | $60.52M | $14.67M |
| Non-Interest Income | $4.20M | $3.92M | $3.74M | $15.46M | $4.00M |
| -Total Premiums Earned | $295,000.00 | $289,000.00 | $285,000.00 | $1.14M | $288,000.00 |
| -Fees and Commissions | $3.29M | $3.13M | $3.03M | $12.10M | $3.06M |
| -Other Non-Interest Income | $467,000.00 | $277,000.00 | $192,000.00 | $1.36M | $427,000.00 |
| -Gain Loss on Sale of Assets | $154,000.00 | $228,000.00 | $230,000.00 | $863,000.00 | $221,000.00 |
| Credit Losses Provision | -$1.02M | -$762,000.00 | -$922,000.00 | -$59,000.00 | -$375,000.00 |
| Non-Interest Expense | $26.32M | $24.55M | $22.94M | $90.64M | $23.15M |
| Occupancy and Equipment | $2.46M | $2.61M | $2.43M | $10.02M | $2.41M |
| Professional Expense and Contract Services Expense | $422,000.00 | $417,000.00 | $401,000.00 | $1.61M | $401,000.00 |
| Selling and Admin Expenses | $15.59M | $15.56M | $14.21M | $55.44M | $14.53M |
| -Selling & Marketing Expense | $435,000.00 | $522,000.00 | $494,000.00 | $1.97M | $560,000.00 |
| -General & Admin Expense | $15.16M | $15.04M | $13.71M | $53.48M | $13.97M |
| Depreciation & Amortization & Depletion | $209,000.00 | $210,000.00 | $234,000.00 | $1.09M | $257,000.00 |
| -Depreciation & Amortization | $209,000.00 | $210,000.00 | $234,000.00 | $1.09M | $257,000.00 |
| Other Non-Interest Expenses | $7.64M | $5.76M | $5.67M | $22.48M | $5.55M |
| Pretax Profit | $12.77M | $14.41M | $14.36M | $58.02M | $14.52M |
| Tax | $2.68M | $2.79M | $3.00M | $11.96M | $3.11M |
| Net Profit | $10.10M | $11.62M | $11.36M | $46.06M | $11.41M |
| Profit from Continuing Operations | $10.10M | $11.62M | $11.36M | $46.06M | $11.41M |
| Net Income to Parent Company | $10.10M | $11.62M | $11.36M | $46.06M | $11.41M |
| Net Income to Common Stockholders | $10.10M | $11.62M | $11.36M | $46.06M | $11.41M |
| Basic EPS | $1.30 | $1.49 | $1.47 | $5.93 | $1.48 |
| Diluted EPS | $1.28 | $1.48 | $1.45 | $5.87 | $1.46 |
| Dividend Per Share | $0.32 | $0.31 | $0.31 | $1.14 | $0.31 |
Balance sheet
| Line item | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| Total Assets | $3.60B | $3.60B | $3.55B | $3.49B | $3.49B |
| Cash, Cash Equivalents & Federal Funds Sold | $179.05M | $188.22M | $223.48M | $141.61M | $141.61M |
| -Cash and Cash Equivalents | $179.05M | $188.22M | $223.48M | $141.61M | $141.61M |
| Securities Investment | $415.60M | $409.11M | $386.26M | $392.51M | $392.51M |
| -Held to Maturity Securities | $0.00 | $0.00 | $0.00 | – | – |
| -Short Term Investments | $415.60M | $30.55M | $24.29M | $39.12M | $39.12M |
| Net Loan | $2.74B | $2.75B | $2.70B | $2.71B | $2.71B |
| -Gross Loan | $2.78B | $2.78B | $2.73B | $2.75B | $2.75B |
| -Allowance for Loans and Lease Losses | $34.43M | $33.99M | $33.68M | $33.14M | $33.14M |
| Net PPE | $51.47M | $51.54M | $50.50M | $49.00M | $49.00M |
| Goodwill and Other Intangible Assets | $83.30M | $83.51M | $83.72M | $83.96M | $83.96M |
| Bank-Owned Life Insurance | $50.43M | $50.13M | $49.84M | $49.56M | $49.56M |
| Other Assets | $75.31M | $74.21M | $64.81M | $63.56M | $63.56M |
| Total Liabilities | $3.14B | $3.15B | $3.11B | $3.06B | $3.06B |
| Total Deposits | $3.05B | $3.07B | $3.03B | $2.97B | $2.97B |
| Long Term Debt and Capital Lease Obligation | $54.84M | $54.78M | $54.73M | $57.70M | $57.70M |
| -Long Term Debt | $54.84M | $54.78M | $54.73M | $57.70M | $57.70M |
| Other Liabilities | $34.93M | $26.07M | $28.72M | $27.03M | $27.03M |
| Total Equity | $453.10M | $453.46M | $444.41M | $435.09M | $435.09M |
| Stockholders' Equity | $453.10M | $453.46M | $444.41M | $435.09M | $435.09M |
| Capital Stock | $79,000.00 | $79,000.00 | $78,000.00 | $78,000.00 | $78,000.00 |
| -Common Stock | $79,000.00 | $79,000.00 | $78,000.00 | $78,000.00 | $78,000.00 |
| Additional Paid-In Capital | $172.36M | $171.23M | $170.00M | $168.96M | $168.96M |
| Retained Earnings | $309.68M | $302.17M | $293.55M | $284.83M | $284.83M |
| Gains/Losses Not Affecting Retained Earnings | -$28.31M | -$19.22M | -$18.32M | -$17.80M | -$17.80M |
| Other Equity Interests | -$714,000.00 | -$803,000.00 | -$893,000.00 | -$982,000.00 | -$982,000.00 |
| -Available for Sale Securities | – | $378.56M | $361.97M | $353.40M | $353.40M |
| -Preferred Stock | – | $0.00 | $0.00 | $0.00 | $0.00 |
| -Gross PPE | – | – | – | $82.72M | $82.72M |
| -Accumulated Depreciation | – | – | – | -$33.73M | -$33.73M |
| -Goodwill | – | – | – | $81.52M | $81.52M |
| -Other Intangible Assets | – | – | – | $2.44M | $2.44M |
| Short-Term Debt and Capital Lease Obligation | – | – | – | $0.00 | $0.00 |
| -Current Debt | – | – | – | $0.00 | $0.00 |
Cash flow
| Line item | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 | 2025 Q3 |
|---|---|---|---|---|---|
| Operating Cash Flow | $11.23M | $16.82M | $54.51M | $11.69M | $21.49M |
| Net cash flow from continuing operations | $11.23M | $16.82M | $54.51M | $11.69M | $21.49M |
| Net Income from Continuing Operations | $11.62M | $11.36M | $46.06M | $11.41M | $12.36M |
| Gain/Loss from Continuing Operations | -$246,000.00 | -$248,000.00 | -$1.05M | -$104,000.00 | -$456,000.00 |
| Depreciation & Depletion & Amortization | $899,000.00 | $847,000.00 | $3.31M | $838,000.00 | $826,000.00 |
| Deferred Tax | $50,000.00 | -$276,000.00 | -$123,000.00 | -$321,000.00 | $59,000.00 |
| Other Non-Cash Items | $653,000.00 | $707,000.00 | $1.36M | $79,000.00 | $188,000.00 |
| Change in Working Capital | -$3.47M | $2.62M | $253,000.00 | -$1.64M | $6.82M |
| -Change in Receivables | -$527,000.00 | $1.21M | $4.63M | $2.85M | $1.67M |
| -Change in Payables and Accrued Expense | -$2.65M | $1.70M | -$3.24M | -$4.21M | $5.44M |
| -Change in Other Working Capital | -$289,000.00 | -$285,000.00 | -$1.14M | -$288,000.00 | -$288,000.00 |
| Net cash flow from investing | -$85.85M | $16.58M | -$2.88M | -$48.75M | $74.74M |
| Net Cash Flow from Continuing Investing Activities | -$85.85M | $16.58M | -$2.88M | -$48.75M | $74.74M |
| Net PPE Purchase and Sale | -$1.94M | -$2.35M | -$9.98M | -$4.61M | -$833,000.00 |
| Net Investment Purchase and Sale | -$23.81M | $5.76M | $28.74M | -$5.06M | $13.76M |
| Net Income from Loans | -$61.49M | $12.73M | -$30.66M | -$39.11M | $57.22M |
| Net Other Investing Changes | $1.39M | $442,000.00 | $9.03M | $32,000.00 | $4.60M |
| Financing Cash Flow | $39.36M | $48.49M | -$8.57M | -$10.66M | -$19.50M |
| Net Cash Flow from Continuing Financing Activities | $39.36M | $48.49M | -$8.57M | -$10.66M | -$19.50M |
| Increase/Decrease in Deposit | $42.10M | $53.98M | $192.10M | -$2.70M | $67.27M |
| Net Issuance Payments of Debt | $0.00 | -$3.02M | -$178.06M | -$5.57M | -$85.14M |
| Net Common Stock Issuance | -$182,000.00 | -$249,000.00 | -$14.36M | -$42,000.00 | $5,000.00 |
| Cash Dividends Paid | -$2.43M | -$2.43M | -$8.99M | -$2.43M | -$2.27M |
| Proceeds from Stock Option Exercised | -$126,000.00 | $215,000.00 | $727,000.00 | $81,000.00 | $633,000.00 |
| Ending Cash Balance | $188.22M | $223.48M | $141.61M | $141.61M | $189.32M |
| Net Change in Cash | -$35.26M | $81.88M | $43.06M | -$47.72M | $76.73M |
| Beginning Cash Balance | $223.48M | $141.61M | $98.55M | $189.32M | $112.60M |
| Free Cash Flow | $9.29M | $14.46M | $44.34M | $7.08M | $20.66M |
| Proceeds Payment in Interest Bearing Deposits in Bank | – | – | $0.00 | $0.00 | – |
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