Home Bancorp Inc Financials

HBCP

Source SEC Filings (10-K/10-Q) Updated Sep 30, 2025 Currency USD FYE December

Financial Health Signals

Financial Profile 51/100

Based on FY2024 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth

Home Bancorp Inc's revenue grew 12.9% year-over-year to $184.8M, a solid pace of expansion. This earns a growth score of 65/100.

Leverage

Home Bancorp Inc has elevated debt relative to equity (D/E of 7.69), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.

Cash Flow

100

Home Bancorp Inc converts 24.2% of revenue into free cash flow ($44.7M). This strong cash generation earns a score of 100/100.

Returns

Home Bancorp Inc's ROE of 9.2% shows moderate profitability relative to equity, earning a score of 37/100. This is down from 10.9% the prior year.

Piotroski F-Score Neutral

5/9

Home Bancorp Inc passes 5 of 9 financial strength tests. 3 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.34x

For every $1 of reported earnings, Home Bancorp Inc generates $1.34 in operating cash flow ($48.7M OCF vs $36.4M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

This page shows Home Bancorp Inc (HBCP) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 16 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

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Key Financial Metrics

Revenue

$184.8M

YoY+12.9%

5Y CAGR+12.6%

10Y CAGR+13.0%

Home Bancorp Inc generated $184.8M in revenue in fiscal year 2024. This represents an increase of 12.9% from the prior year.

EBITDA

N/A

Free Cash Flow

$44.7M

YoY+13.6%

5Y CAGR+2.2%

10Y CAGR+6.2%

Home Bancorp Inc generated $44.7M in free cash flow in fiscal year 2024, representing cash available after capex. This represents an increase of 13.6% from the prior year.

Net Income

$36.4M

YoY-9.5%

5Y CAGR+5.5%

10Y CAGR+13.9%

Home Bancorp Inc reported $36.4M in net income in fiscal year 2024. This represents a decrease of 9.5% from the prior year.

EPS (Diluted)

$4.55

YoY-8.8%

5Y CAGR+8.3%

10Y CAGR+12.3%

Home Bancorp Inc earned $4.55 per diluted share (EPS) in fiscal year 2024. This represents a decrease of 8.8% from the prior year.

Cash & Debt

$98.5M

YoY+30.0%

5Y CAGR+19.9%

10Y CAGR+13.0%

Home Bancorp Inc held $98.5M in cash against $0 in long-term debt as of fiscal year 2024.

Dividends Per Share

$1.01

YoY+1.0%

5Y CAGR+3.8%

10Y CAGR+30.6%

Home Bancorp Inc paid $1.01 per share in dividends in fiscal year 2024. This represents an increase of 1.0% from the prior year.

Shares Outstanding

YoY-0.8%

5Y CAGR-2.6%

10Y CAGR+1.3%

Home Bancorp Inc had 8M shares outstanding in fiscal year 2024. This represents a decrease of 0.8% from the prior year.

Gross Margin

N/A

Operating Margin

N/A

Net Margin

19.7%

YoY-4.9pp

5Y CAGR-7.6pp

10Y CAGR+1.5pp

Home Bancorp Inc's net profit margin was 19.7% in fiscal year 2024, showing the share of revenue converted to profit. This is down 4.9 percentage points from the prior year.

Return on Equity

9.2%

YoY-1.8pp

5Y CAGR+0.4pp

10Y CAGR+2.8pp

Home Bancorp Inc's ROE was 9.2% in fiscal year 2024, measuring profit generated per dollar of shareholder equity. This is down 1.8 percentage points from the prior year.

R&D Spending

N/A

Share Buybacks

$4.8M

YoY-9.2%

5Y CAGR-20.9%

10Y CAGR+23.9%

Home Bancorp Inc spent $4.8M on share buybacks in fiscal year 2024, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 9.2% from the prior year.

Capital Expenditures

$4.1M

YoY+100.6%

5Y CAGR+1.1%

10Y CAGR+2.1%

Home Bancorp Inc invested $4.1M in capex in fiscal year 2024, funding long-term assets and infrastructure. This represents an increase of 100.6% from the prior year.

HBCP Income Statement

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Revenue	$184.8M+12.9%	$163.7M+30.0%	$125.9M+17.8%	$106.9M+2.7%	$104.1M+1.9%	$102.2M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$64.5M+50.1%	$43.0M+442.9%	$7.9M+33.9%	$5.9M-50.4%	$11.9M-26.5%	$16.2M
Income Tax	$8.8M-11.6%	$9.9M+17.5%	$8.4M-28.7%	$11.8M+95.6%	$6.0M+3.1%	$5.9M
Net Income	$36.4M-9.5%	$40.2M+18.1%	$34.1M-29.9%	$48.6M+96.3%	$24.8M-11.3%	$27.9M
EPS (Diluted)	$4.55-8.8%	$4.99+20.0%	$4.16-27.9%	$5.77+102.5%	$2.85-6.6%	$3.05

Metric	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24	Q4'23
Revenue	$49.2M+1.2%	$48.6M+3.0%	$47.2M-1.3%	$47.8M+0.9%	$47.4M+4.2%	$45.5M+3.0%	$44.1M+1.7%	$43.4M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$15.1M-1.1%	$15.3M-1.1%	$15.5M-4.7%	$16.2M-4.6%	$17.0M+5.8%	$16.1M+5.5%	$15.2M+7.8%	$14.1M
Income Tax	$3.2M+12.1%	$2.8M+0.7%	$2.8M+21.9%	$2.3M+3.3%	$2.2M+14.2%	$2.0M-12.5%	$2.2M+6.5%	$2.1M
Net Income	$12.4M+9.1%	$11.3M+3.3%	$11.0M+13.3%	$9.7M+2.5%	$9.4M+16.2%	$8.1M-11.8%	$9.2M-2.0%	$9.4M
EPS (Diluted)	$1.59+9.7%	$1.45+5.8%	$1.37+13.2%	$1.21+2.5%	$1.18+15.7%	$1.02-10.5%	$1.14-2.6%	$1.17

HBCP Balance Sheet

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Total Assets	$3.4B+3.7%	$3.3B+2.8%	$3.2B+9.9%	$2.9B+13.4%	$2.6B+17.8%	$2.2B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$98.5M+30.0%	$75.8M-13.2%	$87.4M-85.5%	$601.4M+220.0%	$188.0M+371.7%	$39.8M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$81.5M0.0%	$81.5M0.0%	$81.5M+39.4%	$58.5M0.0%	$58.5M0.0%	$58.5M
Total Liabilities	$3.0B+3.2%	$3.0B+1.9%	$2.9B+12.1%	$2.6B+13.9%	$2.3B+20.5%	$1.9B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$396.1M+7.8%	$367.4M+11.4%	$330.0M-6.2%	$351.9M+9.3%	$321.8M+1.7%	$316.3M
Retained Earnings	$259.2M+10.5%	$234.6M+13.7%	$206.3M+9.4%	$188.5M+22.2%	$154.3M+2.7%	$150.2M

Metric	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24	Q4'23
Total Assets	$3.5B+0.1%	$3.5B+0.2%	$3.5B+1.2%	$3.4B0.0%	$3.4B+0.9%	$3.4B+1.6%	$3.4B+1.1%	$3.3B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$189.3M+68.1%	$112.6M+1.7%	$110.7M+12.3%	$98.5M-27.5%	$135.9M+19.8%	$113.5M+25.4%	$90.5M+19.3%	$75.8M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	$81.5M	N/A	N/A	N/A	$81.5M
Total Liabilities	$3.1B-0.4%	$3.1B0.0%	$3.1B+1.1%	$3.0B0.0%	$3.0B+0.4%	$3.0B+1.7%	$3.0B+1.1%	$3.0B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$423.0M+3.5%	$408.8M+1.5%	$402.8M+1.7%	$396.1M+0.7%	$393.5M+4.7%	$375.8M+1.0%	$372.3M+1.3%	$367.4M
Retained Earnings	$275.9M+3.8%	$265.8M+1.5%	$261.9M+1.0%	$259.2M+3.0%	$251.7M+2.7%	$245.0M+1.6%	$241.2M+2.8%	$234.6M

HBCP Cash Flow Statement

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Operating Cash Flow	$48.7M+17.8%	$41.4M-19.2%	$51.2M-8.1%	$55.7M+13.6%	$49.0M+11.6%	$43.9M
Capital Expenditures	$4.1M+100.6%	$2.0M-25.3%	$2.7M+9.5%	$2.5M+15.1%	$2.1M-44.1%	$3.8M
Free Cash Flow	$44.7M+13.6%	$39.3M-18.9%	$48.5M-8.9%	$53.2M+13.6%	$46.9M+16.9%	$40.1M
Investing Cash Flow	-$107.1M-13.6%	-$94.3M+81.0%	-$495.4M-1001.8%	$54.9M+121.1%	-$260.0M-259.5%	-$72.3M
Financing Cash Flow	$81.1M+96.2%	$41.3M+159.1%	-$69.9M-123.1%	$302.8M-15.7%	$359.1M+4066.0%	$8.6M
Dividends Paid	$8.2M-0.4%	$8.2M+5.7%	$7.8M-1.1%	$7.9M-0.5%	$7.9M+0.1%	$7.9M
Share Buybacks	$4.8M-9.2%	$5.3M-53.6%	$11.3M+27.3%	$8.9M-36.5%	$14.0M-9.3%	$15.4M

Metric	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24	Q4'23
Operating Cash Flow	$21.5M+145.6%	$8.7M-30.4%	$12.6M+115.6%	$5.8M-66.9%	$17.6M+17.6%	$15.0M+45.0%	$10.3M+1.3%	$10.2M
Capital Expenditures	$833K-1.5%	$846K-78.2%	$3.9M+609.3%	$546K-15.0%	$642K-60.3%	$1.6M+29.5%	$1.3M+151.5%	$497K
Free Cash Flow	$20.7M+161.4%	$7.9M-9.2%	$8.7M+64.6%	$5.3M-68.8%	$17.0M+27.1%	$13.4M+47.2%	$9.1M-6.4%	$9.7M
Investing Cash Flow	$74.7M+1948.2%	-$4.0M+83.7%	-$24.8M+47.2%	-$47.1M-2159.9%	-$2.1M+93.5%	-$32.2M-25.3%	-$25.7M-2102.3%	$1.3M
Financing Cash Flow	-$19.5M-603.5%	-$2.8M-111.4%	$24.4M+526.2%	$3.9M-43.5%	$6.9M-82.9%	$40.3M+34.0%	$30.1M+249.1%	-$20.2M
Dividends Paid	$2.3M+7.7%	$2.1M-3.6%	$2.2M+4.1%	$2.1M+4.0%	$2.0M-0.8%	$2.0M-0.2%	$2.0M0.0%	$2.0M
Share Buybacks	-$5K-100.1%	$6.5M-17.2%	$7.8M+8801.1%	$88K-91.3%	$1.0M-64.2%	$2.8M+244.2%	$826K+52.7%	$541K

HBCP Financial Ratios

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	19.7%-4.9pp	24.6%-2.5pp	27.1%-18.4pp	45.5%+21.7pp	23.8%-3.5pp	27.3%
Return on Equity	9.2%-1.8pp	10.9%+0.6pp	10.3%-3.5pp	13.8%+6.1pp	7.7%-1.1pp	8.8%
Return on Assets	1.1%-0.1pp	1.2%+0.1pp	1.1%-0.6pp	1.7%+0.7pp	1.0%-0.3pp	1.3%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	7.69-0.3	8.04-0.7	8.78+1.4	7.35+0.3	7.05+1.1	5.96
FCF Margin	24.2%+0.1pp	24.0%-14.5pp	38.5%-11.3pp	49.8%+4.8pp	45.0%+5.8pp	39.2%

Metric	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24	Q4'23
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	25.1%+1.8pp	23.3%+0.1pp	23.2%+3.0pp	20.2%+0.3pp	19.9%+2.1pp	17.9%-3.0pp	20.8%-0.8pp	21.6%
Return on Equity	2.9%+0.2pp	2.8%+0.1pp	2.7%+0.3pp	2.4%+0.0pp	2.4%+0.2pp	2.2%-0.3pp	2.5%-0.1pp	2.5%
Return on Assets	0.4%+0.0pp	0.3%+0.0pp	0.3%+0.0pp	0.3%0.0pp	0.3%+0.0pp	0.2%-0.0pp	0.3%0.0pp	0.3%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	7.26-0.3	7.54-0.1	7.65-0.0	7.69-0.1	7.75-0.3	8.08+0.1	8.02-0.0	8.04
FCF Margin	42.0%+25.7pp	16.3%-2.2pp	18.4%+7.4pp	11.1%-24.7pp	35.8%+6.4pp	29.4%+8.8pp	20.6%-1.8pp	22.3%

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Frequently Asked Questions

What is Home Bancorp Inc's annual revenue?

Home Bancorp Inc (HBCP) reported $184.8M in total revenue for fiscal year 2024. This represents a 12.9% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Home Bancorp Inc's revenue growing?

Home Bancorp Inc (HBCP) revenue grew by 12.9% year-over-year, from $163.7M to $184.8M in fiscal year 2024.

Is Home Bancorp Inc profitable?

Yes, Home Bancorp Inc (HBCP) reported a net income of $36.4M in fiscal year 2024, with a net profit margin of 19.7%.

What is Home Bancorp Inc's earnings per share (EPS)?

Home Bancorp Inc (HBCP) reported diluted earnings per share of $4.55 for fiscal year 2024. This represents a -8.8% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

What is Home Bancorp Inc's net profit margin?

Home Bancorp Inc (HBCP) had a net profit margin of 19.7% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.

Does Home Bancorp Inc pay dividends?

Yes, Home Bancorp Inc (HBCP) paid $1.01 per share in dividends during fiscal year 2024.

What is Home Bancorp Inc's return on equity (ROE)?

Home Bancorp Inc (HBCP) has a return on equity of 9.2% for fiscal year 2024, measuring how efficiently the company generates profit from shareholder equity.

What is Home Bancorp Inc's free cash flow?

Home Bancorp Inc (HBCP) generated $44.7M in free cash flow during fiscal year 2024. This represents a 13.6% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Home Bancorp Inc's operating cash flow?

Home Bancorp Inc (HBCP) generated $48.7M in operating cash flow during fiscal year 2024, representing cash generated from core business activities.

What are Home Bancorp Inc's total assets?

Home Bancorp Inc (HBCP) had $3.4B in total assets as of fiscal year 2024, including both current and long-term assets.

What are Home Bancorp Inc's capital expenditures?

Home Bancorp Inc (HBCP) invested $4.1M in capital expenditures during fiscal year 2024, funding long-term assets and infrastructure.

Does Home Bancorp Inc buy back shares?

Yes, Home Bancorp Inc (HBCP) spent $4.8M on share buybacks during fiscal year 2024, returning capital to shareholders by reducing shares outstanding.

How many shares does Home Bancorp Inc have outstanding?

Home Bancorp Inc (HBCP) had 8M shares outstanding as of fiscal year 2024.

What is Home Bancorp Inc's debt-to-equity ratio?

Home Bancorp Inc (HBCP) had a debt-to-equity ratio of 7.69 as of fiscal year 2024, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Home Bancorp Inc's return on assets (ROA)?

Home Bancorp Inc (HBCP) had a return on assets of 1.1% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.

What is Home Bancorp Inc's Piotroski F-Score?

Home Bancorp Inc (HBCP) has a Piotroski F-Score of 5 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Home Bancorp Inc's earnings high quality?

Home Bancorp Inc (HBCP) has an earnings quality ratio of 1.34x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Home Bancorp Inc?

Home Bancorp Inc (HBCP) scores 51 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.