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

Home Bancorp, Inc. (HBCP) reported diluted earnings per share of $5.87 for fiscal year 2025. This represents a 29.0% 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.

Home Bancorp, Inc. (HBCP) Financials

HBCP

Trailing 12 months to June 30, 2026

Revenue $153.8M +8.2% YoY

Net Income $46.7M +12.9% YoY

EPS (Diluted) $5.98 +14.8% YoY

Free Cash Flow $51.5M +32.5% YoY

Market Cap $521.4M as of Oct 12, 2026

Price / Sales 3.4x on $153.8M revenue, trailing 12 months to June 30, 2026

Price / Earnings 11.2x on $46.7M net income, trailing 12 months to June 30, 2026

Price / Book 1.1x on $453.5M equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 12, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 3, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 3, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the HBCP SEC filings page.

Home Bancorp, Inc. (HBCP) reported $153.8M in revenue over the twelve months to Jun 30, 2026, up 8.2% from the prior twelve months. 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).

Rhea AI HBCP FY2025 2026-10-04

Home Bancorp’s earnings recovered in FY2025, but its balance sheet remains heavily liability-funded and interest costs shape profitability.

FY2025’s earnings recovery translated into cash: operating cash flow reached $54.5M against $46.1M of net income. Free cash flow remained $44.3M after $10.2M of capital spending, indicating that reported profit was not being absorbed entirely by reinvestment.

The balance sheet reached roughly $3.5B of assets supported by $435.1M of equity, making capital structure more informative than revenue margins for this lender. Debt-to-equity eased from 7.7x in FY2024 to 7.0x in FY2025, so the improved cushion came from equity growth rather than a move away from leverage.

Interest expense rose to $64.5M in FY2024 from $43.0M in FY2023, while revenue was nearly unchanged. Net income fell to $36.4M, showing how funding costs, rather than top-line volume, can dominate annual earnings; the FY2025 rebound followed as interest expense moderated.

Financial Health Signals

Financial Health Score 52/100

Scored as: Banks peer group

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.

Earnings

Home Bancorp, Inc. earned a return on assets of 1.3% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from 1.1% the prior year. Earnings ranks banks on that return over three years, and Home Bancorp, Inc. scores 76/100 among other banks.

Growth

Home Bancorp, Inc. reported revenue of $148.7M in fiscal year 2025, against $134.9M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Home Bancorp, Inc. scores 36/100 among other banks.

Capital

Home Bancorp, Inc. funded 12.5% of its assets with shareholders' equity at the end of fiscal year 2025, holding $435.1M of equity against $3.5B of assets. Capital ranks banks on that cushion, and Home Bancorp, Inc. scores 63/100 among other banks.

Efficiency

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Home Bancorp, Inc. scores 58/100 on it among other banks.

Credit Quality

Not available for Home Bancorp, Inc., and counted as zero in the overall score.

Stability

Home Bancorp, Inc. reported net income of $46.1M in fiscal year 2025, against $36.4M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and Home Bancorp, Inc. scores 78/100 among other banks.

Piotroski F-Score Partial

6/6

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.

Earnings Quality Cash-Backed

1.18x

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

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Earnings & Revenue

Revenue

$39.7M

YoY+7.2%

QoQ+3.9%

5Y CAGR+7.7%

10Y CAGR+7.7%

Home Bancorp, Inc. generated $39.7M in revenue in Q2 2026. This represents an increase of 7.2% from the same quarter a year earlier. Against the prior quarter it is up 3.9%.

Net Income

$11.6M

YoY+2.5%

QoQ+2.2%

5Y CAGR+0.4%

10Y CAGR+11.2%

Home Bancorp, Inc. reported $11.6M in net income in Q2 2026. This represents an increase of 2.5% from the same quarter a year earlier. Against the prior quarter it is up 2.2%.

EPS (Diluted)

$1.48

YoY+2.1%

QoQ+2.1%

5Y CAGR+2.0%

10Y CAGR+10.0%

Home Bancorp, Inc. earned $1.48 per diluted share (EPS) in Q2 2026. This represents an increase of 2.1% from the same quarter a year earlier. Against the prior quarter it is up 2.1%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

$9.3M

YoY+17.6%

QoQ-35.8%

5Y CAGR-14.1%

Home Bancorp, Inc. generated $9.3M in free cash flow in Q2 2026, representing cash available after capex. This represents an increase of 17.6% from the same quarter a year earlier. Against the prior quarter it is down 35.8%.

Cash & Debt

$188.2M

YoY+67.2%

QoQ-15.8%

5Y CAGR-13.7%

10Y CAGR+21.5%

Home Bancorp, Inc. held $188.2M in cash as of Q2 2026; long-term debt is not reported for that period.

Dividends Per Share

$0.31

YoY+14.8%

QoQ0.0%

5Y CAGR+6.2%

10Y CAGR+12.0%

Home Bancorp, Inc. paid $0.31 per share in dividends in Q2 2026. This represents an increase of 14.8% from the same quarter a year earlier. It is unchanged from the prior quarter.

Shares Outstanding

YoY+0.6%

QoQ+0.4%

5Y CAGR-1.9%

10Y CAGR+0.7%

Home Bancorp, Inc. had 8M shares outstanding in Q2 2026. This represents an increase of 0.6% from the same quarter a year earlier. Against the prior quarter it is up 0.4%.

Margins & Returns

Net Margin

29.2%

YoY-1.3pp

QoQ-0.5pp

5Y change-12.3pp

10Y change+8.1pp

Home Bancorp, Inc.'s net profit margin was 29.2% in Q2 2026, showing the share of revenue converted to profit. This is down 1.3 percentage points from the same quarter a year earlier. Against the prior quarter it is down 0.5 percentage points.

Return on Equity

2.6%

YoY-0.2pp

QoQ0.0pp

5Y change-0.8pp

10Y change+0.3pp

Home Bancorp, Inc.'s ROE was 2.6% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is down 0.2 percentage points from the same quarter a year earlier. It is unchanged from the prior quarter.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Share Buybacks

$182K

YoY-97.2%

QoQ-26.9%

5Y CAGR-35.5%

10Y CAGR-3.4%

Home Bancorp, Inc. spent $182K on share buybacks in Q2 2026, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 97.2% from the same quarter a year earlier. Against the prior quarter it is down 26.9%.

Capital Expenditures

$1.9M

YoY+128.8%

QoQ-17.8%

5Y CAGR+21.9%

10Y CAGR+9.6%

Home Bancorp, Inc. invested $1.9M in capex in Q2 2026, funding long-term assets and infrastructure. This represents an increase of 128.8% from the same quarter a year earlier. Against the prior quarter it is down 17.8%.

R&D Spending

Not reported for Q2 2026.

HBCP Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

HBCP quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$153.8M	$148.7M+10.3%	$134.9M-0.3%	$135.3M+2.6%	$131.9M+12.5%	$117.3M+10.1%	$106.5M+6.1%	$100.4M-4.8%	$105.5M+35.5%	$77.8M+5.8%	$73.6M+16.2%	$63.3M+6.9%	$59.2M+23.7%	$47.9M-2.2%	$49.0M+21.8%	$40.2M
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 (Basic)	N/A	$5.93+29.5%	$4.58-8.8%	$5.02+19.8%	$4.19-27.8%	$5.80+102.8%	$2.86-7.1%	$3.08-11.5%	$3.48+47.5%	$2.36+0.9%	$2.34+25.1%	$1.87+23.8%	$1.51+36.0%	$1.11-16.5%	$1.33+84.7%	$0.72
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
Diluted Shares (Avg)	N/A	8M-2.0%	8M-0.7%	8M-1.6%	8M-2.8%	8M-3.2%	9M-4.8%	9M-1.6%	9M+25.8%	7M+4.0%	7M+1.5%	7M+1.0%	7M+0.4%	7M-3.8%	7M-0.7%	7M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-K	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-K
Revenue	$39.7M+7.2%	$38.2M+6.9%	$38.0M+8.0%	$37.8M+11.1%	$37.1M+11.8%	$35.8M+10.2%	$35.2M+7.5%	$34.1M+0.5%
SG&A Expenses	$15.0M+12.9%	$13.7M+8.4%	$23.0M+3.1%	$13.5M+3.6%	$13.3M+4.2%	$12.7M+4.0%	$22.4M+8.5%	$13.1M+4.5%
Interest Expense	$13.4M-12.2%	$13.3M-14.2%	$14.7M-9.5%	$15.1M-11.1%	$15.3M-4.9%	$15.5M+1.5%	$16.2M+14.9%	$17.0M+35.2%
Income Tax	$2.8M-1.7%	$3.0M+6.3%	$3.1M+34.4%	$3.2M+42.3%	$2.8M+44.9%	$2.8M+25.8%	$2.3M+9.9%	$2.2M-9.2%
Net Income	$11.6M+2.5%	$11.4M+3.6%	$11.4M+18.0%	$12.4M+30.9%	$11.3M+39.6%	$11.0M+19.2%	$9.7M+3.1%	$9.4M-3.2%
EPS (Basic)	$1.49+1.4%	$1.47+6.5%	$1.48+21.3%	$1.60+34.5%	$1.47+44.1%	$1.38+20.0%	$1.22+3.4%	$1.19-2.5%
EPS (Diluted)	$1.48+2.1%	$1.45+5.8%	$1.46+20.7%	$1.59+34.7%	$1.45+42.2%	$1.37+20.2%	$1.21+3.4%	$1.18-3.3%
Diluted Shares (Avg)	8M+0.9%	8M-2.5%	N/A	8M-2.3%	8M-3.0%	8M-0.1%	N/A	8M-0.9%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

HBCP Balance Sheet

HBCP quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
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
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
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

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-K	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-K
Total Assets	$3.6B+3.2%	$3.6B+2.0%	$3.5B+1.4%	$3.5B+1.5%	$3.5B+2.4%	$3.5B+3.8%	$3.4B+3.7%	$3.4B+3.7%
Cash & Equivalents	$188.2M+67.2%	$223.5M+102.0%	$141.6M+43.7%	$189.3M+39.3%	$112.6M-0.8%	$110.7M+22.3%	$98.5M+30.0%	$135.9M+60.8%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	N/A	N/A	$81.5M0.0%	N/A	N/A	N/A	$81.5M0.0%	N/A
Total Liabilities	$3.1B+2.2%	$3.1B+0.9%	$3.1B+0.3%	$3.1B+0.7%	$3.1B+1.6%	$3.1B+3.3%	$3.0B+3.2%	$3.0B+2.6%
Total Equity	$453.5M+10.9%	$444.4M+10.3%	$435.1M+9.8%	$423.0M+7.5%	$408.8M+8.8%	$402.8M+8.2%	$396.1M+7.8%	$393.5M+13.9%
Retained Earnings	$302.2M+13.7%	$293.6M+12.1%	$284.8M+9.9%	$275.9M+9.6%	$265.8M+8.5%	$261.9M+8.6%	$259.2M+10.5%	$251.7M+10.6%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities, Long-Term Debt.

HBCP Cash Flow Statement

HBCP quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
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
Depreciation & Amortization	N/A	$4.4M-8.9%	$4.8M-6.7%	$5.2M+2.1%	$5.1M+19.3%	$4.2M-4.0%	$4.4M-0.8%	$4.5M+2.5%	$4.3M+59.8%	$2.7M+4.9%	$2.6M+1.7%	$2.6M+46.8%	$1.7M+22.3%	$1.4M-2.2%	$1.5M+11.8%	$1.3M
Stock-Based Compensation	N/A	$3.4M+22.2%	$2.8M+16.4%	$2.4M-2.7%	$2.4M+3.7%	$2.4M+14.8%	$2.0M-15.1%	$2.4M-5.0%	$2.5M+19.0%	$2.1M+36.0%	$1.6M+40.2%	$1.1M-22.9%	$1.5M-31.7%	$2.1M+2.4%	$2.1M+8.4%	$1.9M
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

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-K	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-K
Operating Cash Flow	$11.2M+28.3%	$16.8M+33.7%	$11.7M+100.5%	$21.5M+22.1%	$8.7M-41.6%	$12.6M+21.8%	$5.8M-42.8%	$17.6M+34.5%
Depreciation & Amortization	$1.1M+2.5%	$1.1M-4.1%	$1.1M-4.0%	$1.1M-12.1%	$1.1M-9.7%	$1.1M-9.2%	$1.1M-11.5%	$1.2M-2.1%
Stock-Based Compensation	N/A	$944K+26.5%	N/A	N/A	N/A	$746K+19.2%	N/A	N/A
Capital Expenditures	$1.9M+128.8%	$2.4M-39.2%	$4.6M+745.1%	$833K+29.8%	$846K-47.7%	$3.9M+209.8%	$546K+9.9%	$642K+68.1%
Free Cash Flow	$9.3M+17.6%	$14.5M+66.2%	$7.1M+33.9%	$20.7M+21.8%	$7.9M-40.8%	$8.7M-4.1%	$5.3M-45.4%	$17.0M+33.5%
Investing Cash Flow	-$85.8M-2022.8%	$16.6M+166.8%	-$48.8M-3.6%	$74.7M+3689.9%	-$4.0M+87.5%	-$24.8M+3.5%	-$47.1M-3761.6%	-$2.1M+95.5%
Financing Cash Flow	$39.4M+1519.9%	$48.5M+99.1%	-$10.7M-374.0%	-$19.5M-383.0%	-$2.8M-106.9%	$24.4M-18.9%	$3.9M+119.3%	$6.9M-67.5%
Dividends Paid	$2.4M+15.3%	$2.4M+11.1%	$2.4M+15.6%	$2.3M+12.4%	$2.1M+3.6%	$2.2M+7.3%	$2.1M+3.0%	$2.0M-1.5%
Share Buybacks	$182K-97.2%	$249K-96.8%	$42K-52.3%	-$5K-99.5%	$6.5M+128.1%	$7.8M+848.3%	$88K-83.7%	$1.0M-17.6%

HBCP Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

HBCP quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Net Margin	31.0%+4.0pp	27.0%-2.7pp	29.7%+3.9pp	25.8%-15.6pp	41.5%+18.2pp	23.3%-4.6pp	27.8%-2.1pp	30.0%+8.3pp	21.6%-0.1pp	21.8%+1.9pp	19.8%+3.1pp	16.7%+1.4pp	15.2%-3.5pp	18.8%+6.0pp	12.7%
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
Asset Turnover	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.050.0x	0.050.0x	0.030.0x	0.050.0x	0.040.0x	0.050.0x	0.050.0x	0.050.0x	0.04
FCF Margin	29.8%-3.3pp	33.1%+4.0pp	29.1%-7.7pp	36.8%-8.7pp	45.4%+1.4pp	44.0%+4.1pp	39.9%0.0pp	39.9%+10.6pp	29.3%+7.1pp	22.3%-33.6pp	55.8%+14.3pp	41.5%-0.1pp	41.6%+21.4pp	20.2%-20.4pp	40.6%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-K	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-K
Net Margin	29.2%-1.3pp	29.7%-0.9pp	30.0%+2.5pp	32.6%+4.9pp	30.6%+6.1pp	30.7%+2.3pp	27.5%-1.2pp	27.7%-1.1pp
Return on Equity	2.6%-0.2pp	2.6%-0.2pp	2.6%+0.2pp	2.9%+0.5pp	2.8%+0.6pp	2.7%+0.2pp	2.4%-0.1pp	2.4%-0.4pp
Return on Assets	0.3%0.0pp	0.3%0.0pp	0.3%+0.1pp	0.4%+0.1pp	0.3%+0.1pp	0.3%0.0pp	0.3%0.0pp	0.3%0.0pp
Debt-to-Equity	6.95-0.6x	7.00-0.7x	7.03-0.7x	7.26-0.5x	7.54-0.5x	7.65-0.4x	7.69-0.3x	7.75-0.9x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x
FCF Margin	23.4%+2.1pp	37.8%+13.5pp	18.6%+3.6pp	54.6%+4.8pp	21.3%-19.0pp	24.3%-3.6pp	15.0%-14.6pp	49.8%+12.3pp

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
Home Bancorp, Inc. HBCP	FY2025	$148.7M	$46.1M	31.0%	$521.4M	52/100
Red River Bancshares, Inc. RRBI	FY2025	$125.5M	$42.8M	34.1%	$660.2M	55/100
Flushing Financial Corp FFIC	FY2025	$238.9M	$18.9M	7.9%	$524.2M	27/100
Bridgewater Bancshares, Inc. BWB	FY2025	$143.4M	$46.1M	32.1%	$564.6M	59/100
Bank of Marin Bancorp BMRC	FY2025	$29.4M	$26.5M	90.0%	$431.9M	17/100
Northfield Bancorp, Inc. NFBK	FY2025	$154.3M	$796K	0.5%	$639.4M	29/100

Where Home Bancorp, Inc. Ranks

Frequently Asked Questions

What is Home Bancorp, Inc.'s annual revenue?

Home Bancorp, Inc. (HBCP) reported $148.7M in total revenue for fiscal year 2025. This represents a 10.3% 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 10.3% year-over-year, from $134.9M to $148.7M 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 31.0%.

What is Home Bancorp, Inc.'s net profit margin?

Home Bancorp, Inc. (HBCP) had a net profit margin of 31.0% 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.

Does Home Bancorp, Inc. buy back shares?

Yes, Home Bancorp, Inc. (HBCP) spent $14.4M on share buybacks during fiscal year 2025, 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 2025.

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 P/E ratio?

Home Bancorp, Inc. (HBCP) trades at 11.2x earnings, its market capitalization divided by net income of $46.7M net income, trailing 12 months to June 30, 2026. The market capitalization is $521.4M as of Oct 12, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Home Bancorp, Inc.'s price-to-sales ratio?

Home Bancorp, Inc. (HBCP) trades at 3.4x sales, its market capitalization divided by revenue of $153.8M revenue, trailing 12 months to June 30, 2026. The market capitalization is $521.4M as of Oct 12, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

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.