HBCP

BULLISH

$64.88 Live

Home Bancorp, Inc. · NASDAQ

Target $65.62 (+1.1%)

$41.48 52W Range $65.95

HBCP Home Bancorp, Inc. - Fundamental Analysis

BULLISH

Console Chart News

HBCP Stock | Fundamental Analysis & Investment Insights

NASDAQ • Financial Services • Banks - Regional

Current Price Live

$64.88

Analyst Target

$65.62

+1.1% Upside

52W High

$65.95

52W Low

$41.48

Overview AI Snowflake Price Valuation Profitability Growth Health Statements Peers Insiders

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 11, 2026

Market cap

$508.5M

P/E

11.15

ROE

11.1%

Profit margin

31.0%

Debt/Equity

N/A

Dividend yield

1.8%

AI Analysis

AI-powered fundamental assessment

Confidence

85%

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.

Key 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)

Very low dividend payout ratio (19.42%), providing ample room for future increases

Healthy ROA of 1.33%, which is competitive for the regional banking sector

Key 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

Contradictory technical trend data despite strong price appreciation

Limited analyst coverage (only 4 analysts)

AI Fair Value Estimate

Based on comprehensive analysis

$112.5

+73.4% above current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall

Strong

Value

Future

Past

Health

Dividend

AI Verdict

Strong Value/Growth Hybrid

Key drivers: Deep discount to intrinsic value, Accelerating earnings growth, Strong earnings surprise history

Confidence

90%

Value

95/100

P/E 11.15, Graham Number $85.3

Positives

Price is well below Graham Number
Low P/E relative to sector average
P/B ratio near 1.0

Watchpoints

No urgent risks highlighted.

Future

88/100

Ref Growth rates and earnings track record

Positives

20.6% YoY Earnings Growth
10.5% Revenue Growth
Consistent EPS beats

Watchpoints

Recent Q/Q EPS dip of -8.2%

Past

90/100

Ref Historical price and earnings trends

Positives

5Y Change +94.1%
1Y Change +57.2%
Long-term earnings progression

Watchpoints

No urgent risks highlighted.

Health

55/100

Ref Piotroski F-Score

Positives

Stable Piotroski score

Watchpoints

Piotroski F-Score 4/9 is mediocre
Altman Z-Score not applicable for banking

Dividend

60/100

Ref Yield and Payout

Positives

Very sustainable payout ratio (19.42%)

Watchpoints

Low absolute yield (1.80%)

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price

$64.88

Analyst Target

$65.62

Upside/Downside

+1.1%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for HBCP and closest competitors.

Updated 2026-04-10

Company	5Y	3Y	1Y	6M	1M	1W
HBCP Home Bancorp, Inc. Primary	+94.1%	+110.8%	+57.2%	+26.4%	+11.7%	+5.7%
BWB Bridgewater Bancshares, Inc. Peer	+12.0%	+73.5%	+43.8%	+4.0%	+5.0%	+3.5%
BLE BlackRock Municipal Income Trust II Peer	-10.7%	+12.5%	+5.4%	+11.2%	+2.6%	-0.2%
CARE Carter Bankshares, Inc. Peer	+63.3%	+70.3%	+63.9%	+20.8%	+15.2%	+0.8%
HIVE HIVE Digital Technologies Ltd. Peer	-89.8%	-45.0%	+45.5%	-68.5%	-2.4%	+8.3%

HBC

Home Bancorp, Inc.

Primary

+94.1%

+110.8%

+57.2%

+26.4%

+11.7%

+5.7%

BWB

Bridgewater Bancshares, Inc.

Peer

+12.0%

+73.5%

+43.8%

+4.0%

+5.0%

+3.5%

BLE

BlackRock Municipal Income Trust II

Peer

-10.7%

+12.5%

+5.4%

+11.2%

+2.6%

-0.2%

CAR

Carter Bankshares, Inc.

Peer

+63.3%

+70.3%

+63.9%

+20.8%

+15.2%

+0.8%

HIV

HIVE Digital Technologies Ltd.

Peer

-89.8%

-45.0%

+45.5%

-68.5%

-2.4%

+8.3%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

11.15

10.56

N/A

1.17

3.42

2.92

N/A

$508.5M

Profitability

Profit margins and return metrics

Profit Margin 30.99%

Operating Margin 40.51%

Gross Margin N/A

ROE 11.08%

ROA 1.33%

Growth

Revenue and earnings growth rates

Revenue Growth +10.5%

Earnings Growth +20.6%

Q/Q Revenue Growth +8.04%

Q/Q Earnings Growth +18.0%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity

N/A

Current Ratio

N/A

Quick Ratio

N/A

Cash/Share

$18.2

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Revenue

$0.0B

Net Margin

30.0%

Total Assets

$3.5B

Liabilities

$3.1B

Equity

$0.4B

Debt/Equity

7.03x

Operating CF

$0.0B

CapEx

$-0.0B

Free Cash Flow

$0.0B

FCF Yield

61%

Quarterly Earnings History

EPS performance vs analyst estimates

2026-04-20

$N/A

2026-01-26

$1.46

+4.8% surprise

2025-10-20

$1.59

+16.9% surprise

2025-07-21

$1.45

+18.9% surprise

Financial Services Sector Comparison

Comparing HBCP against 341 companies in the Financial Services sector (60 bullish, 147 neutral, 134 bearish)

P/E Ratio

11.15

This Stock

54.09

Sector Avg

-79.4% (Discount)

Return on Equity (ROE)

11.08%

This Stock

-0.66%

Sector Avg

-1775.7% (Below Avg)

Profit Margin

30.99%

This Stock

63.27%

Sector Avg

-51.0% (Weaker)

Revenue Growth

10.5%

This Stock

44.9%

Sector Avg

-76.6% (Slower)

Similar Companies

Peer comparison within the same industry

Company	AI Rating	Market Cap	P/E	ROE	Profit Margin	Price
HBCP Home Bancorp, Inc.	BULLISH	$508.5M	11.15	11.1%	31.0%	$64.88
BWB Bridgewater Bancshares, Inc.	BULLISH	$509.75M	12.3	9.5%	33.6%	$18.32	Compare
BLE BlackRock Municipal Income Trust II	BEARISH	$500.66M	-	-6.6%	-90.8%	$10.49	Compare
CARE Carter Bankshares, Inc.	NEUTRAL	$520.86M	17.03	7.8%	20.0%	$23.5	Compare
HIVE HIVE Digital Technologies Ltd.	BEARISH	$526.77M	-	-25.2%	-48.6%	$2.08	Compare

HBCP Home Bancorp, Inc.

BULLISH

Mkt Cap

$508M

P/E

11.1

ROE

11.1%

Price

$64.88

Compare with HBCP

Compare with HBCP

CARE Carter Bankshares, Inc.

Compare with HBCP

Compare with HBCP

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

Date	Insider	Position	Transaction	Shares	Value
2026-02-19	RADER CHRIS P.	Director	Purchase	500	$29,750

RADER CHRIS P.

Director

Buy

2026-02-19

500 shares · $29,750

Insider transactions can signal confidence or concerns about company prospects

Past News Coverage

Recent headlines mentioning HBCP from our newsroom.

Newest → oldest

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HBCP

HBCP Home Bancorp, Inc. - Fundamental Analysis

At a glance

AI Analysis

Key Strengths

Key Risks

Performance Snowflake

Stock Price & Analyst Targets

Multi-Horizon Performance vs Peers

Historical Performance Trends

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Valuation Metrics

Profitability

Growth

Financial Health

Financial Statement Flow

Quarterly Earnings History

Financial Services Sector Comparison

Similar Companies

Recent Insider Trading

Past News Coverage

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