Home Bancorp Inc Financials
Home Bancorp Inc (HBCP) reported $193.8M in revenue for fiscal year 2025, up 4.9% from the prior fiscal year. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 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).
A modest-return balance sheet is being amplified by leverage, while funding-cost relief rebuilt latest-year earnings.
The latest-year profit rebound was not a simple asset-growth story: assets moved only from$3.44B to$3.49B . Yet net income rose from$36.4M to$46.1M even as overhead increased, which suggests the earnings spread improved on roughly the same balance-sheet footprint rather than profits coming from a much bigger asset base or broad cost cutting.
Returns are balance-sheet driven. ROA was just
Cash conversion looks durable because capital needs are light relative to operating cash flow, so reported earnings are turning into cash instead of being absorbed by heavy reinvestment.
Financial Health Signals
Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of Home Bancorp Inc's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Not available for Home Bancorp Inc, and counted as zero in the overall score.
Home Bancorp Inc passes 6 of 6 computable financial strength tests (3 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), all 1 leverage/liquidity signals pass, both operating efficiency signals pass.
For every $1 of reported earnings, Home Bancorp Inc generates $1.18 in operating cash flow ($54.5M OCF vs $46.1M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Key Financial Metrics
Earnings & Revenue
Home Bancorp Inc generated $193.8M in revenue in fiscal year 2025. This represents an increase of 4.9% from the prior year.
Home Bancorp Inc reported $46.1M in net income in fiscal year 2025. This represents an increase of 26.5% from the prior year.
Home Bancorp Inc earned $5.87 per diluted share (EPS) in fiscal year 2025. This represents an increase of 29.0% from the prior year.
Not reported for fiscal year 2025.
Cash & Balance Sheet
Home Bancorp Inc generated $44.3M in free cash flow in fiscal year 2025, representing cash available after capex. This represents a decrease of 0.7% from the prior year.
Home Bancorp Inc held $141.6M in cash as of fiscal year 2025; long-term debt is not reported for that period.
Home Bancorp Inc paid $1.14 per share in dividends in fiscal year 2025. This represents an increase of 12.9% from the prior year.
Margins & Returns
Home Bancorp Inc's net profit margin was 23.8% in fiscal year 2025, showing the share of revenue converted to profit. This is up 4.1 percentage points from the prior year.
Home Bancorp Inc's ROE was 10.6% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 1.4 percentage points from the prior year.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
Capital Allocation
Home Bancorp Inc spent $14.4M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 200.7% from the prior year.
Home Bancorp Inc invested $10.2M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 150.6% from the prior year.
Not reported for fiscal year 2025.
HBCP Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | TTM | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $194.9M | $193.8M+4.9% | $184.8M+12.9% | $163.7M+30.0% | $125.9M+17.8% | $106.9M+2.7% | $104.1M+1.9% | $102.2M-0.1% | $102.3M+37.5% | $74.4M+9.9% | $67.7M+15.9% | $58.4M+7.5% | $54.3M+24.2% | $43.7M-5.2% | $46.1M+20.0% | $38.4M |
| SG&A Expenses | $65.3M | $53.5M+4.2% | $51.3M+4.9% | $48.9M+2.5% | $47.8M+22.0% | $39.2M+3.2% | $37.9M-1.2% | $38.4M+4.4% | $36.8M+30.7% | $28.2M+1.9% | $27.6M+10.4% | $25.0M+2.7% | $24.4M+20.0% | $20.3M+3.3% | $19.7M+10.5% | $17.8M |
| Interest Expense | $56.5M | $60.5M-6.2% | $64.5M+50.1% | $43.0M+442.9% | $7.9M+33.9% | $5.9M-50.4% | $11.9M-26.5% | $16.2M+57.3% | $10.3M+57.4% | $6.5M+24.3% | $5.3M+36.3% | $3.9M+17.7% | $3.3M-6.3% | $3.5M-28.7% | $4.9M-5.8% | $5.2M |
| Income Tax | $12.1M | $12.0M+36.5% | $8.8M-11.6% | $9.9M+17.5% | $8.4M-28.7% | $11.8M+95.6% | $6.0M+3.1% | $5.9M-12.5% | $6.7M-46.4% | $12.5M+65.1% | $7.6M+13.5% | $6.7M+28.1% | $5.2M+39.4% | $3.7M-18.9% | $4.6M+74.7% | $2.6M |
| Net Income | $46.7M | $46.1M+26.5% | $36.4M-9.5% | $40.2M+18.1% | $34.1M-29.9% | $48.6M+96.3% | $24.8M-11.3% | $27.9M-11.6% | $31.6M+87.8% | $16.8M+5.1% | $16.0M+27.6% | $12.5M+27.1% | $9.9M+35.3% | $7.3M-20.6% | $9.2M+79.5% | $5.1M |
| EPS (Diluted) | $5.98 | $5.87+29.0% | $4.55-8.8% | $4.99+20.0% | $4.16-27.9% | $5.77+102.5% | $2.85-6.6% | $3.05-10.3% | $3.40+49.1% | $2.28+1.3% | $2.25+25.7% | $1.79+26.1% | $1.42+34.0% | $1.06-17.2% | $1.28+80.3% | $0.71 |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income.
TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
HBCP Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | $3.5B+1.4% | $3.4B+3.7% | $3.3B+2.8% | $3.2B+9.9% | $2.9B+13.4% | $2.6B+17.8% | $2.2B+2.2% | $2.2B-3.3% | $2.2B+43.1% | $1.6B+0.3% | $1.6B+27.1% | $1.2B+24.1% | $984.2M+2.2% | $962.9M-0.1% | $963.8M |
| Cash & Equivalents | $141.6M+43.7% | $98.5M+30.0% | $75.8M-13.2% | $87.4M-85.5% | $601.4M+220.0% | $188.0M+371.7% | $39.8M-33.2% | $59.6M-60.4% | $150.4M+413.1% | $29.3M+18.2% | $24.8M-14.7% | $29.1M-10.9% | $32.6M-17.5% | $39.5M+24.5% | $31.8M |
| Goodwill | $81.5M0.0% | $81.5M0.0% | $81.5M0.0% | $81.5M+39.4% | $58.5M0.0% | $58.5M0.0% | $58.5M0.0% | $58.5M-0.2% | $58.6M+526.8% | $9.4M-15.7% | $11.1M+1134.1% | $899K+5.0% | $856K0.0% | $856K-6.3% | $914K |
| Total Liabilities | $3.1B+0.3% | $3.0B+3.2% | $3.0B+1.9% | $2.9B+12.1% | $2.6B+13.9% | $2.3B+20.5% | $1.9B+1.9% | $1.8B-5.2% | $2.0B+41.6% | $1.4B-0.7% | $1.4B+29.9% | $1.1B+26.7% | $842.3M+2.6% | $821.4M-1.0% | $829.5M |
| Total Equity | $435.1M+9.8% | $396.1M+7.8% | $367.4M+11.4% | $330.0M-6.2% | $351.9M+9.3% | $321.8M+1.7% | $316.3M+4.0% | $304.0M+9.4% | $277.9M+54.5% | $179.8M+9.0% | $165.0M+7.1% | $154.1M+8.6% | $141.9M+0.2% | $141.6M+5.4% | $134.3M |
| Retained Earnings | $284.8M+9.9% | $259.2M+10.5% | $234.6M+13.7% | $206.3M+9.4% | $188.5M+22.2% | $154.3M+2.7% | $150.2M+6.2% | $141.4M+20.6% | $117.3M+12.1% | $104.6M+13.9% | $91.9M-1.3% | $93.1M+11.2% | $83.7M+9.5% | $76.4M+13.7% | $67.2M |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Long-Term Debt.
HBCP Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | TTM | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $61.2M | $54.5M+11.9% | $48.7M+17.8% | $41.4M-19.2% | $51.2M-8.1% | $55.7M+13.6% | $49.0M+11.6% | $43.9M-6.8% | $47.1M+90.4% | $24.8M+20.8% | $20.5M-43.3% | $36.2M+29.6% | $27.9M+31.1% | $21.3M+87.6% | $11.3M-35.3% | $17.5M |
| Capital Expenditures | $9.7M | $10.2M+150.6% | $4.1M+100.6% | $2.0M-25.3% | $2.7M+9.5% | $2.5M+15.1% | $2.1M-44.1% | $3.8M-23.4% | $5.0M+161.6% | $1.9M-53.4% | $4.1M+396.2% | $829K-74.9% | $3.3M+145.5% | $1.3M-7.3% | $1.5M+22.7% | $1.2M |
| Free Cash Flow | $51.5M | $44.3M-0.7% | $44.7M+13.6% | $39.3M-18.9% | $48.5M-8.9% | $53.2M+13.6% | $46.9M+16.9% | $40.1M-4.8% | $42.1M+84.4% | $22.8M+39.5% | $16.4M-53.7% | $35.3M+43.7% | $24.6M+23.4% | $19.9M+101.5% | $9.9M-39.5% | $16.3M |
| Investing Cash Flow | -$43.3M | -$2.9M+97.3% | -$107.1M-13.6% | -$94.3M+81.0% | -$495.4M-1001.8% | $54.9M+121.1% | -$260.0M-259.5% | -$72.3M-193.0% | -$24.7M-131.4% | $78.7M+784.1% | -$11.5M | N/A | N/A | -$42.9M-646.8% | $7.8M+116.3% | -$48.2M |
| Financing Cash Flow | $57.7M | -$8.6M-110.6% | $81.1M+96.2% | $41.3M+159.1% | -$69.9M-123.1% | $302.8M-15.7% | $359.1M+4066.0% | $8.6M+107.6% | -$113.2M-740.7% | $17.7M+495.3% | -$4.5M | N/A | N/A | $14.7M+228.8% | -$11.4M-144.9% | $25.4M |
| Dividends Paid | $9.6M | $9.0M+9.8% | $8.2M-0.4% | $8.2M+5.7% | $7.8M-1.1% | $7.9M-0.5% | $7.9M+0.1% | $7.9M+17.8% | $6.7M+64.8% | $4.1M+36.2% | $3.0M+38.2% | $2.2M+333.4% | $499K | N/A | N/A | N/A |
| Share Buybacks | $468K | $14.4M+200.7% | $4.8M-9.2% | $5.3M-53.6% | $11.3M+27.3% | $8.9M-36.5% | $14.0M-9.3% | $15.4M+1193.6% | $1.2M+1605.7% | $70K-80.4% | $357K-89.7% | $3.5M+517.3% | $561K-91.1% | $6.3M+8.0% | $5.8M+6.6% | $5.5M |
TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
HBCP Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 23.8%+4.1pp | 19.7%-4.9pp | 24.6%-2.5pp | 27.1%-18.4pp | 45.5%+21.7pp | 23.8%-3.5pp | 27.3%-3.6pp | 30.9%+8.3pp | 22.6%-1.0pp | 23.6%+2.2pp | 21.5%+3.3pp | 18.2%+1.5pp | 16.7%-3.3pp | 19.9%+6.6pp | 13.3% |
| Return on Equity | 10.6%+1.4pp | 9.2%-1.8pp | 10.9%+0.6pp | 10.3%-3.5pp | 13.8%+6.1pp | 7.7%-1.1pp | 8.8%-1.6pp | 10.4%+4.3pp | 6.0%-2.8pp | 8.9%+1.3pp | 7.6%+1.2pp | 6.4%+1.3pp | 5.1%-1.3pp | 6.5%+2.7pp | 3.8% |
| Return on Assets | 1.3%+0.3pp | 1.1%-0.1pp | 1.2%+0.1pp | 1.1%-0.6pp | 1.7%+0.7pp | 1.0%-0.3pp | 1.3%-0.2pp | 1.5%+0.7pp | 0.8%-0.3pp | 1.0%+0.2pp | 0.8%0.0pp | 0.8%+0.1pp | 0.7%-0.2pp | 0.9%+0.4pp | 0.5% |
| Debt-to-Equity | 7.03-0.7x | 7.69-0.3x | 8.04-0.7x | 8.78+1.4x | 7.35+0.3x | 7.05+1.1x | 5.96-0.1x | 6.08-0.9x | 7.02-0.6x | 7.66-0.7x | 8.40+1.5x | 6.92+1.0x | 5.94+0.1x | 5.80-0.4x | 6.18 |
| FCF Margin | 22.9%-1.3pp | 24.2%+0.1pp | 24.0%-14.5pp | 38.5%-11.3pp | 49.8%+4.8pp | 45.0%+5.8pp | 39.2%-1.9pp | 41.2%+10.5pp | 30.7%+6.5pp | 24.2%-36.3pp | 60.5%+15.2pp | 45.3%-0.3pp | 45.6%+24.1pp | 21.4%-21.1pp | 42.5% |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
Similar Companies
Where Home Bancorp Inc Ranks
Frequently Asked Questions
What is Home Bancorp Inc's annual revenue?
Home Bancorp Inc (HBCP) reported $193.8M in total revenue for fiscal year 2025. This represents a 4.9% 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 4.9% year-over-year, from $184.8M to $193.8M in fiscal year 2025.
Is Home Bancorp Inc profitable?
Yes, Home Bancorp Inc (HBCP) reported a net income of $46.1M in fiscal year 2025, with a net profit margin of 23.8%.
What is Home Bancorp Inc's net profit margin?
Home Bancorp Inc (HBCP) had a net profit margin of 23.8% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
Does Home Bancorp Inc pay dividends?
Yes, Home Bancorp Inc (HBCP) paid $1.14 per share in dividends during fiscal year 2025.
What is Home Bancorp Inc's return on equity (ROE)?
Home Bancorp Inc (HBCP) has a return on equity of 10.6% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Home Bancorp Inc's free cash flow?
Home Bancorp Inc (HBCP) generated $44.3M in free cash flow during fiscal year 2025. This represents a -0.7% 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 $54.5M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Home Bancorp Inc's total assets?
Home Bancorp Inc (HBCP) had $3.5B in total assets as of fiscal year 2025, including both current and long-term assets.
What are Home Bancorp Inc's capital expenditures?
Home Bancorp Inc (HBCP) invested $10.2M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is Home Bancorp Inc's debt-to-equity ratio?
Home Bancorp Inc (HBCP) had a debt-to-equity ratio of 7.03 as of fiscal year 2025, 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 1.3% for fiscal year 2025, 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 6 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 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 1.18x, 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 52 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.