HBCP
Home Bancorp, Inc.
HBCP trails on the overall score without a compensating advantage in the available component scores.
MS
Morgan Stanley
MS has the edge over HBCP overall, supported by stronger fundamentals and stronger modeled upside.
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.
MS Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
MS's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like MS.
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 has the edge over MS in the historical PE scenario, which offers more potential upside but is not a forecast.
MS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 11x | $134 | -29% |
| Fair | 14x | $178 | -5.7% |
| Forward | 14x | $189 | — |
| Current | 15x | $189 | — |
| Expensive | 18x | $223 | +18% |
Historical ranges are pointers, not guarantees.
MS's PE is in its fair range at 15x. If earnings grow as analysts expect, today's price would be 14x next year's earnings.
HBCP Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Stable | |
| Growth | |
| Weakening | |
| Limited | |
| High |
Analysts expect HBCP's revenue to grow, but its profitability to weaken.
MS Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| Moderate |
MS has the edge over HBCP on the outlook, with more favorable valuation and earnings expectations.
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.
MS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $13.39 | +6.3% |
| Q3 2026 | $12.60 | +29% |
| Q2 2026 | $12.37 | +40% |
| Q1 2026 | $11.04 | +29% |
| Q4 2025 | $10.21 | +28% |
| Q3 2025 | $9.76 | +48% |
| Q2 2025 | $8.84 | +45% |
| Q1 2025 | $8.53 | +55% |
| Q4 2024 | $7.95 | +53% |
MS has the edge over HBCP on earnings, with more consistent year-over-year improvement.
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.
MS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $20.3B | +12% |
| Q2 2026 | $21.3B | +27% |
| Q1 2026 | $20.6B | +16% |
| Q4 2025 | $17.9B | +10% |
| Q3 2025 | $18.2B | +18% |
| Q2 2025 | $16.8B | +12% |
| Q1 2025 | $17.7B | +17% |
| Q4 2024 | $16.2B | +26% |
MS has the edge over HBCP on sales, with stronger typical year-over-year growth.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 32% | -1.2 points |
| Q2 2026 | 34% | +6.9 points |
| Q1 2026 | 34% | +2.8 points |
| Q4 2025 | 32% | +2 points |
| Q3 2025 | 33% | +5.6 points |
| Q2 2025 | 28% | +0.4 points |
| Q1 2025 | 31% | +2.2 points |
| Q4 2024 | 30% | +14 points |
MS's operating margin was 32% last quarter, down 1.2 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 has the edge over MS on cash generation, producing positive trailing cash flow while its opponent burns cash.
MS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$46B | -$42.7B |
| Q2 2026 | -$2.7B | -123% |
| Q1 2026 | -$7.1B | +$16.9B |
| Q4 2025 | -$2.4B | -120% |
| Q3 2025 | -$3.3B | +$14B |
| Q2 2025 | $11.8B | +368% |
| Q1 2025 | -$24B | -650% |
| Q4 2024 | $11.8B | +$29.6B |
MS's free cash flow was −$58.3B over the past year, against −$3.7B the year before. Free cash flow isn't a meaningful measure for financial services companies like MS.
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.
MS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.2% | -3M shares |
| 1 year | -1.5% | -24M shares |
| 3 years | -4.7% | -77M shares |
| 5 years | -14% | -246M shares |
| Available history | -4.5% | -74M shares |
MS has the edge over HBCP on shareholder dilution, with a more favorable share count trend.
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 the edge over MS on leverage, with a lower net debt burden relative to earnings.
MS Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 7.8x | High |
| Q2 2026 | 7.3x | High |
| Q1 2026 | 8.2x | High |
| Q4 2025 | 8.6x | High |
| Q3 2025 | 8.4x | High |
| Q2 2025 | 8.7x | High |
| Q1 2025 | 8.7x | High |
| Q4 2024 | 7.9x | High |
MS's net debt is about 7.8 years of its operating earnings (EBITDA), down from 8.4 years a year ago. Net leverage isn't a meaningful measure for financial services companies like MS.
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).
MS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 45.0 | Neutral |
| Stochastic | 18.7 | Oversold |
MS's weekly RSI is 45 (neutral) and its Stochastic is 19 (oversold).
HBCP PE vs Financial Services Sector
| Metric | HBCP | Sector median | Relative |
|---|---|---|---|
| PE | 11x | 13x | 17% below |
| PE % | 76 | 63 | 13 pts above |
HBCP has the edge over MS on valuation relative to its sector.
MS PE vs Financial Services Sector
| Metric | MS | Sector median | Relative |
|---|---|---|---|
| PE | 15x | 13x | 15% above |
| PE % | 59 | 63 | 4 pts below |
MS is trading at 15x earnings, a 15% premium 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.
MS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $186.5 | 1.5% above |
| 20 week MA | $203.3 | 6.9% below |
| 50 week MA | $191.9 | 1.4% below |
| 100 week MA | $164.9 | 15% above |
| 200 week MA | $129.3 | 46% above |
MS has the edge over HBCP on trend strength, trading above more of its moving averages.
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.
MS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $51.1 | $68.1 | +33% |
| 2021 | $68.1 | $99.3 | +46% |
| 2022 | $99.3 | $86.1 | -13% |
| 2023 | $86.1 | $93.3 | +8.3% |
| 2024 | $93.3 | $126.8 | +36% |
| 2025 | $126.8 | $181.9 | +43% |
| 2026 YTD | $181.9 | $189.2 | +4% |
MS has the edge over HBCP on returns for 2026, with the stronger performance.