HBCP
Home Bancorp, Inc.
HBCP's fundamentals are mixed, but it looks expensive: trading at 11x earnings, above its usual 9.8x. Analysts expect earnings to hold roughly steady.
HBCP Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Healthy | |
| N/A | |
| N/A |
HBCP's profitability is currently healthy, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like HBCP.
HBCP PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.2x | $40.80 | -34% |
| Fair | 9.8x | $55.58 | -9.8% |
| Forward | 10x | $61.62 | — |
| Expensive | 11x | $64.91 | +5.3% |
| Current | 11x | $61.62 | — |
Historical ranges are pointers, not guarantees.
HBCP's PE is in its expensive range at 11x. On analysts' estimates for next year's earnings, today's price would be 10x, in its fair range.
HBCP Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Stable | |
| Growth | |
| Weakening | |
| Limited | |
| High |
Analysts expect HBCP's revenue to grow, but its profitability to weaken.
HBCP Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $5.92 | +4.4% |
| Q3 2026 | $5.67 | +0.9% |
| Q2 2026 | $5.98 | +15% |
| Q1 2026 | $5.95 | +24% |
| Q4 2025 | $5.87 | +29% |
| Q3 2025 | $5.62 | +25% |
| Q2 2025 | $5.21 | +15% |
| Q1 2025 | $4.78 | +0.8% |
| Q4 2024 | $4.55 | -8.8% |
HBCP earned $5.67 per share over the past year, about the same as the year before.
HBCP Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $40.1M | +6% |
| Q2 2026 | $39.7M | +7.2% |
| Q1 2026 | $38.2M | +6.9% |
| Q4 2025 | $38M | +8% |
| Q3 2025 | $37.8M | +11% |
| Q2 2025 | $37.1M | +12% |
| Q1 2025 | $35.8M | +10% |
| Q4 2024 | $35.2M | +7.5% |
HBCP's revenue has grown year over year for nine quarters in a row: $40M last quarter, up 6% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 32% | -9.2 points |
| Q2 2026 | 36% | -2 points |
| Q1 2026 | 38% | -1 points |
| Q4 2025 | 38% | +4.1 points |
| Q3 2025 | 41% | +6.8 points |
| Q2 2025 | 38% | +7.8 points |
| Q1 2025 | 39% | +3.3 points |
| Q4 2024 | 34% | -1 points |
HBCP's operating margin was 32% last quarter, down 9.2 points from the same quarter a year ago.
HBCP Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $23.5M | +14% |
| Q2 2026 | $9.3M | +18% |
| Q1 2026 | $14.5M | +66% |
| Q4 2025 | $7.1M | +34% |
| Q3 2025 | $20.7M | +22% |
| Q2 2025 | $7.9M | -41% |
| Q1 2025 | $8.7M | -4.1% |
| Q4 2024 | $5.3M | -45% |
HBCP's free cash flow was $54M over the past year, up 28% from the year before. Free cash flow isn't a meaningful measure for financial services companies like HBCP.
HBCP Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.3% | +21K shares |
| 1 year | +1.2% | +91K shares |
| 3 years | -2.1% | -165K shares |
| 5 years | -6.3% | -532K shares |
| Available history | -14% | -1.3M shares |
HBCP has 8M diluted shares, up 1.2% from a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | $25,000 |
| Q2 2026 | $182,000 |
| Q1 2026 | $249,000 |
| Q4 2025 | $42,000 |
| Q3 2025 | $5,000 |
| Q2 2025 | $6.5M |
| Q1 2025 | $7.8M |
| Q4 2024 | $88,000 |
HBCP spent $498,000 buying back its own shares over the past year, down 97% from the year before.
HBCP Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -2.1x | Net Cash |
| Q2 2026 | -2.1x | Net Cash |
| Q1 2026 | -2.7x | Net Cash |
| Q4 2025 | -1.4x | Net Cash |
| Q3 2025 | -2.2x | Net Cash |
| Q2 2025 | -0.9x | Net Cash |
| Q1 2025 | -1.0x | Net Cash |
| Q4 2024 | -0.8x | Net Cash |
HBCP has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like HBCP.
HBCP Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 38.1 | Neutral |
| Stochastic | 23.4 | Neutral |
HBCP's weekly RSI is 38 (neutral) and its Stochastic is 23 (neutral).
HBCP PE vs Financial Services Sector
| Metric | HBCP | Sector median | Relative |
|---|---|---|---|
| PE | 11x | 13x | 17% below |
| PE % | 76 | 63 | 13 pts above |
HBCP is trading at 11x earnings, a 17% discount to the Financial Services sector's median of 13x.
HBCP Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $63.9 | 3.6% below |
| 20 week MA | $67.5 | 8.8% below |
| 50 week MA | $64.2 | 4% below |
| 100 week MA | $57.4 | 7.4% above |
| 200 week MA | $47.7 | 29% above |
HBCP has pulled back, but its long-term trend is still up: it's below its 8-, 20- and 50-week averages, but 29% above its 200-week average.
HBCP Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $38.8 | $28.8 | -26% |
| 2021 | $28.8 | $41.9 | +46% |
| 2022 | $41.9 | $40.8 | -2.5% |
| 2023 | $40.8 | $42.0 | +3% |
| 2024 | $42.0 | $46.1 | +9.8% |
| 2025 | $46.1 | $59.4 | +29% |
| 2026 YTD | $59.4 | $61.6 | +3.8% |
HBCP has finished higher in four of the last six years. It's up 3.8% so far in 2026.