Home Bancorp (HBCP) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Home Bancorp

NasdaqGS•Financial Services•Banks - Regional

$69.48-0.88(-0.01%)Pre-market

Market Cap

$532.88M

P/E

11.4x

P/S

2.5x

P/B

1.2x

Home Bancorp, Inc. operates as the bank holding company for Home Bank, National Association that provides various banking products and services for individuals and businesses in Louisiana, Mississippi, and Texas, the United States. The company offers deposit products, including interest-bearing and noninterest-bearing checking, money market, savings, NOW, and certificates of deposit accounts; custodial accounts; health savings and individual retirement accounts; and statement savings. It 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; personal loans, including auto, savings and CD secured, unsecured, and credit builder loans; and business loans, such as business term and SBA loans. In addition, the company invests in loans and securities. Further, it offers debit and credit cards; account services; treasury management, such as online banking and bill pay, mobile banking, remote deposit capture, positive pay, and ACH positive pay services; merchant card services; and payroll cards. Home Bancorp, Inc. was founded in 1908 and is headquartered in Lafayette, Louisiana.

How this company scores

GoodMetricSide Score: 78/100

Strongest: Cash & Earnings Quality (23/25); weakest: Growth (17/25).

Profitability20/25

Growth17/25

Balance Sheet & Red Flags18/25

Cash & Earnings Quality23/25

Strengths

Rising free cash flowStrong marginsLow leverageConsistent free cash flow

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 11.4x5y range 7.4x – 11.4x

Currently near its 20-quarter median.

P/S · 2.5x5y range 1.8x – 3.0x

Currently near its 20-quarter median.

P/B · 1.2x5y range 0.9x – 1.2x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

Some Concerns

Earnings Quality

Watch

FCF/Net Income has dropped below 0.7x in 3 quarters — monitor for earnings quality deterioration.

Price & Volume

Market Cap $532.88M

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $210.29M
Q. Revenue: $53.14M
TTM EBITDA: $63.12M
TTM Op. Income: $58.83M
Q. Op. Income: $14.41M
TTM Net Income: $46.74M
Q. Net Income: $11.62M
EPS: $1.49
Shares Out.: $7.77M

$210.29M in TTM revenue grew 2.1% YoY, reaching $53.14M last quarter. TTM EBITDA of $63.12M and TTM operating income of $58.83M show growth is flowing through to the bottom line. TTM net income of $46.74M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 7 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 74.8%
EBITDA Margin: 27.5%
Op. Margin: 27.1%
Net Margin: 21.9%

Op. margin of 27.1% is up 0.0% YoY — cost efficiency is improving. Net margin at 21.9% and gross margin of 74.8% show how much of each revenue dollar survives to profit. Over the past year, operating margin is up 0% — a weakening trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 11.4x
P/S Ratio: 2.5x
P/B Ratio: 1.2x

At 11.4x P/E, the stock trades below typical market levels. P/S of 2.5x and P/B of 1.2x provide additional context. Use the growth and margin sections to judge whether the multiple is justified. Across the last 8 quarters, P/E has risen for 3 consecutive quarters — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $3.60B
Cash: $188.22M
Long-Term Debt: $54.78M
Book Value: $453.46M
D/E Ratio: 0.1
Debt/EBITDA: 3.7

With $3.60B in assets and $54.78M in long-term debt, D/E is 0.1and book value is $453.46M — a conservative capital structure with a cushion to weather downturns. Across the last 8 quarters, debt/equity has fallen for 7 consecutive quarters — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $11.23M
TTM Free Cash Flow: $51.49M
FCF Margin: 24.5%
FCF / Net Income: 1.1

TTM FCF of $51.49M on $11.23M in operating cash flow. The FCF / Net Income ratio of 1.1x means free cash flow covers net income — earnings are backed by cash. Across the last 8 quarters, free cash flow has risen for 4 consecutive quarters — an improving trend.