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HBCP vs MA

HBCP
Home Bancorp, Inc.
BULLISH
Price
$64.88
Market Cap
$508.5M
Sector
Financial Services
AI Confidence
85%
MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
HBCP
11.15
MA
30.28
Forward P/E
HBCP
10.56
MA
22.05
P/B Ratio
HBCP
1.17
MA
57.74
P/S Ratio
HBCP
3.42
MA
13.6
EV/EBITDA
HBCP
--
MA
22.13

Profitability

Gross Margin
HBCP
0.0%
MA
100.0%
Operating Margin
HBCP
40.51%
MA
57.73%
Profit Margin
HBCP
30.99%
MA
45.65%
ROE
HBCP
11.08%
MA
209.91%
ROA
HBCP
1.33%
MA
23.72%

Growth

Revenue Growth
HBCP
10.5%
MA
17.6%
Earnings Growth
HBCP
20.6%
MA
24.2%

Financial Health

Debt/Equity
HBCP
--
MA
2.56
Current Ratio
HBCP
--
MA
1.03
Quick Ratio
HBCP
--
MA
0.68

Dividends

Dividend Yield
HBCP
1.8%
MA
0.7%
Payout Ratio
HBCP
19.42%
MA
18.4%

AI Verdict

HBCP BULLISH

HBCP exhibits a stable financial profile with a Piotroski F-Score of 4/9 and significant valuation upside, trading at $64.88 against a Graham Number of $85.3 and an Intrinsic Value of $171.69. The company demonstrates strong growth momentum with 20.6% YoY earnings growth and a consistent track record of beating analyst estimates. While the technical trend score is paradoxically low, actual price performance shows a robust 57.2% one-year gain. The combination of a low P/E (11.15) and a conservative payout ratio (19.42%) suggests a high-quality, undervalued regional banking play.

Strengths
Significant undervaluation relative to Graham Number ($85.3) and Intrinsic Value ($171.69)
Strong earnings growth (20.6% YoY) and consistent quarterly EPS beats
Attractive valuation multiples (P/E 11.15, P/B 1.17)
Risks
Piotroski F-Score of 4/9 indicates only 'stable' rather than 'strong' financial health
Exposure to regional banking sector volatility and interest rate sensitivity
Low dividend yield (1.80%) may not attract income-focused investors
MA NEUTRAL

MA shows neutral fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Mixed signals with both opportunities and risks present.

Strengths
Strong profitability (45.6% margin)
Strong revenue growth of 17.6%
Strong ROE of 209.9%
Risks
High valuation with P/E of 30.3
Premium vs Graham Number ($56.68)
High debt burden with D/E of 2.56

Compare Another Pair

HBCP vs MA: Head-to-Head Comparison

This page compares Home Bancorp, Inc. (HBCP) and Mastercard Incorporated (MA) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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