HBCP

Home Bancorp

Fundamental data last updated:April 13, 2026

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company profile

SECTOR

Financial Services

industry

Banks - Regional

Exchange

Nasdaq

County of HQ

United States

Next Earnings Date

04/20/26

Business Summary

Home Bancorp operates as a regional banking institution generating revenue through traditional spread income—capturing the margin between deposits and loans—supplemented by fee-based services. Its moat is not scale-driven but relationship-based, built on local market knowledge and customer stickiness in regional communities. Cash flow is driven by disciplined underwriting and balance sheet management, with profitability hinging on maintaining healthy spreads and controlling credit costs. The franchise value lies in deposit stability and prudent capital allocation rather than aggressive expansion, making operational efficiency the core competitive differentiator.

 


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VALUATION

P/E

11.1

Market Cap ($M USD)

$508

Forward P/E

10.6

PEG

2.1

PRICE TO SALES

3.4

PRICE TO BOOK

1.2

EV / EBITDA

-

5-Year Average P/E

Free Cash Flow Yield

DCF Value

Graham Number

Price to FCF

EV to FCF

Earnings Yield

FCF Yield

DIVIDEND

Yield

1.80%

Annual Payout

$1.18

Payout Ratio

19.20%

Consecutive Years of Dividend Growth

10+

5-Year Dividend Growth Rate

7.10%

Financial Health & Profitability

Earnings Per Share

$5.93

Next Year EPS Growth Estimate

$6.14

Next Year Revenue Growth Estimate

4.40%

Return on Equity (ROE)

10.60%

FREE CASH FLOW

Operating Margin

39.10%

Debt-to-Equity

0.1

Piotroski F-Score

7

Altman Z-Score

0.3

Return on Invested Capital (ROIC)

21.60%

Current Ratio

-

Quick Ratio

Net Debt to EBITDA

Interest Coverage

Gross Profit margin

FCF PER SHARE

REVENUE PER SHARE

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Gainseekers Quantitative Analysis

Summary

At 11.1x earnings and 10.6x forward earnings, HBCP trades like a low-expectation regional bank, yet the 2.1 forward PEG suggests growth is not particularly cheap relative to its outlook. The market is assigning a modest 1.2x book multiple and 3.4x sales, implying limited franchise premium despite a solid Piotroski F-Score of 7 and ROIC of 21.60%. However, the Altman Z-Score of 0.3 is a serious red flag, signaling balance sheet fragility that sharply contrasts with the seemingly conservative P/E. This is not a clean deep-value setup; it is a statistically inexpensive bank with material solvency risk embedded in the capital structure.

AI Exposure / Tech Reliance

As a regional bank in Financial Services, HBCP’s AI leverage will be operational rather than revolutionary—automation in underwriting, fraud detection, and cost controls will define its edge. With a 10.60% operating margin, incremental efficiency gains from technology could materially impact profitability. However, regional banks typically lack scale advantages in proprietary AI, meaning resilience will depend more on disciplined execution than innovation leadership.

The Bull Case

A value or GARP investor could justify ownership based on capital efficiency and balance sheet discipline trends implied by a Piotroski F-Score of 7 and ROIC of 21.60%, both signaling operational strength beneath headline concerns. The 11.1 P/E and 10.6 forward P/E suggest the market is not pricing in aggressive growth, while 1.2x book provides a reasonable entry point for a profitable regional lender generating a 10.60% operating margin. Institutional ownership at 65.63% indicates serious capital is already involved, reinforcing credibility. With a modest 39.10% debt-to-equity ratio and a sustainable payout profile supported by a 0.1 yield and 1.80% dividend per share USD figure, the stock screens as a disciplined operator trading at a restrained multiple.

The Bear Case

The bear case starts with the Altman Z-Score of 0.3, which implies elevated financial stress risk that cannot be ignored in a rate-sensitive banking environment. A 2.1 PEG ratio signals that even at 10.6x forward earnings, growth is not compelling enough to justify multiple expansion. Return on Equity at just 4.40% is weak for a bank, suggesting inefficient capital deployment despite the 21.60% ROIC figure. Short interest at 7.10% of float shows a meaningful cohort is actively betting against the name, likely targeting structural profitability concerns and muted forward sales growth of $6.14.

Market Sentiment & Smart Money

Short Interest %

1.50%

Analyst Consensus

2.4

Average Analyst Price Target

$65.63

Institutional Ownership %

50.20%

1-Year Beta

0.93

Insider Buying % (6 Mo)

12.20%%

Distance to 52-Week High

98.40%

Distance to 52-Week Low

157.40%

EARNINGS SURPRISE %

50-DAY SMA

200-DAY SMA

⚠️ Financial Disclaimer:
This content is for informational purposes only and is not financial advice. Information may be delayed or inaccurate. We may earn a commission from partner links.