Home Bancorp (HBCP)
Market Price (9/21/2026): $68.61 | Market Cap: $533.0 MilSector: Financials | Industry: Regional Banks
Home Bancorp (HBCP)
Market Price (9/21/2026): $68.61Market Cap: $533.0 MilSector: FinancialsIndustry: Regional Banks
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 11%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 6.3%, FCF Yield is 9.7% Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -31% Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 40%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 33% Low stock price volatilityVol 12M is 25% | Key risksHBCP key risks include [1] sensitivity to economic slowdowns and intensified competition within its limited Gulf South geographic footprint. |
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 11%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 6.3%, FCF Yield is 9.7% |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -31% |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 40%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 33% |
| Low stock price volatilityVol 12M is 25% |
| Key risksHBCP key risks include [1] sensitivity to economic slowdowns and intensified competition within its limited Gulf South geographic footprint. |
Qualitative Assessment
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Home Bancorp (HBCP) stock has gained about 5% since 5/31/2026 because of the following key factors:
1. Home Bancorp increased its quarterly dividend by 3% in July 2026, raising it to $0.32 per share, or $1.28 annually. This action signals management's confidence in the company's financial health and ability to generate consistent returns for shareholders.
2. Analysts maintained a generally positive sentiment, with several firms reaffirming or raising price targets for HBCP during fiscal Q3 2026. Raymond James Financial reiterated an "outperform" rating and a $74.00 price target on July 22, 2026, while Weiss Ratings reissued a "buy (a-)" rating on July 31, 2026. The consensus rating from analysts is a "Moderate Buy" with an average price target of $69.50.
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Home Bancorp (HBCP) stock has gained about 5% since 5/31/2026 because of the following key factors:
1. Home Bancorp increased its quarterly dividend by 3% in July 2026, raising it to $0.32 per share, or $1.28 annually. This action signals management's confidence in the company's financial health and ability to generate consistent returns for shareholders.
2. Analysts maintained a generally positive sentiment, with several firms reaffirming or raising price targets for HBCP during fiscal Q3 2026. Raymond James Financial reiterated an "outperform" rating and a $74.00 price target on July 22, 2026, while Weiss Ratings reissued a "buy (a-)" rating on July 31, 2026. The consensus rating from analysts is a "Moderate Buy" with an average price target of $69.50.
3. The company's announcement on June 26, 2026, to separate the Chief Executive Officer and President roles was met with positive investor reaction, leading to a 2.62% increase in the stock price that day. This strategic leadership restructuring was perceived favorably by the market, suggesting improved corporate governance or a clearer operational focus.
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Stock Movement Drivers
Fundamental Drivers
The 7.0% change in HBCP stock from 5/31/2026 to 9/20/2026 was primarily driven by a 6.7% change in the company's P/E Multiple.| (LTM values as of) | 5312026 | 9202026 | Change |
|---|---|---|---|
| Stock Price ($) | 64.09 | 68.57 | 7.0% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 151 | 154 | 1.8% |
| Net Income Margin (%) | 30.7% | 30.4% | -1.1% |
| P/E Multiple | 10.7 | 11.4 | 6.7% |
| Shares Outstanding (Mil) | 8 | 8 | -0.3% |
| Cumulative Contribution | 7.0% |
Market Drivers
5/31/2026 to 9/20/2026| Return | Correlation | |
|---|---|---|
| HBCP | 7.0% | |
| Market (SPY) | 0.9% | 4.4% |
| Sector (XLF) | 8.3% | 50.9% |
Fundamental Drivers
The 17.1% change in HBCP stock from 2/28/2026 to 9/20/2026 was primarily driven by a 11.9% change in the company's P/E Multiple.| (LTM values as of) | 2282026 | 9202026 | Change |
|---|---|---|---|
| Stock Price ($) | 58.55 | 68.57 | 17.1% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 146 | 154 | 5.4% |
| Net Income Margin (%) | 30.4% | 30.4% | 0.0% |
| P/E Multiple | 10.2 | 11.4 | 11.9% |
| Shares Outstanding (Mil) | 8 | 8 | -0.7% |
| Cumulative Contribution | 17.1% |
Market Drivers
2/28/2026 to 9/20/2026| Return | Correlation | |
|---|---|---|
| HBCP | 17.1% | |
| Market (SPY) | 11.6% | 15.2% |
| Sector (XLF) | 9.2% | 44.4% |
Fundamental Drivers
The 24.4% change in HBCP stock from 8/31/2025 to 9/20/2026 was primarily driven by a 11.0% change in the company's P/E Multiple.| (LTM values as of) | 8312025 | 9202026 | Change |
|---|---|---|---|
| Stock Price ($) | 55.14 | 68.57 | 24.4% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 142 | 154 | 8.2% |
| Net Income Margin (%) | 29.1% | 30.4% | 4.3% |
| P/E Multiple | 10.3 | 11.4 | 11.0% |
| Shares Outstanding (Mil) | 8 | 8 | -0.8% |
| Cumulative Contribution | 24.4% |
Market Drivers
8/31/2025 to 9/20/2026| Return | Correlation | |
|---|---|---|
| HBCP | 24.4% | |
| Market (SPY) | 19.4% | 23.3% |
| Sector (XLF) | 4.7% | 52.1% |
Fundamental Drivers
The 124.8% change in HBCP stock from 8/31/2023 to 9/20/2026 was primarily driven by a 96.6% change in the company's P/E Multiple.| (LTM values as of) | 8312023 | 9202026 | Change |
|---|---|---|---|
| Stock Price ($) | 30.50 | 68.57 | 124.8% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 141 | 154 | 9.3% |
| Net Income Margin (%) | 30.1% | 30.4% | 1.1% |
| P/E Multiple | 5.8 | 11.4 | 96.6% |
| Shares Outstanding (Mil) | 8 | 8 | 3.5% |
| Cumulative Contribution | 124.8% |
Market Drivers
8/31/2023 to 9/20/2026| Return | Correlation | |
|---|---|---|
| HBCP | 124.8% | |
| Market (SPY) | 75.6% | 40.1% |
| Sector (XLF) | 69.8% | 54.9% |
Price Returns Compared
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| HBCP Return | 52% | -1% | 8% | 13% | 28% | 20% | 181% |
| Peers Return | 35% | -12% | -2% | 16% | 15% | 15% | 80% |
| S&P 500 Return | 27% | -19% | 24% | 23% | 16% | 12% | 103% |
Monthly Win Rates [3] | |||||||
| HBCP Win Rate | 75% | 50% | 50% | 58% | 67% | 78% | |
| Peers Win Rate | 63% | 52% | 52% | 57% | 60% | 56% | |
| S&P 500 Win Rate | 75% | 42% | 67% | 75% | 67% | 44% | |
Max Drawdowns [4] | |||||||
| HBCP Max Drawdown | -11% | -25% | -29% | -21% | -20% | -8% | |
| Peers Max Drawdown | -22% | -29% | -38% | -19% | -23% | -19% | |
| S&P 500 Max Drawdown | -5% | -25% | -10% | -8% | -19% | -9% | |
[1] Cumulative total returns since the beginning of 2021
[2] Peers: NEWT, ATLO, FITB, MTB, HBAN.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 9/18/2026 (YTD)
How Low Can It Go
| Event | HBCP | S&P 500 |
|---|---|---|
| 2025 US Tariff Shock | ||
| % Loss | -15.4% | -18.8% |
| % Gain to Breakeven | 18.2% | 23.1% |
| Time to Breakeven | 12 days | 79 days |
| 2023 SVB Regional Banking Crisis | ||
| % Loss | -27.8% | -6.7% |
| % Gain to Breakeven | 38.4% | 7.1% |
| Time to Breakeven | 218 days | 31 days |
| 2022 Inflation Shock & Fed Tightening | ||
| % Loss | -19.2% | -24.5% |
| % Gain to Breakeven | 23.8% | 32.4% |
| Time to Breakeven | 84 days | 427 days |
| 2020 COVID-19 Crash | ||
| % Loss | -46.6% | -33.7% |
| % Gain to Breakeven | 87.3% | 50.9% |
| Time to Breakeven | 347 days | 140 days |
| Q4 2018 Fed Policy Error / Growth Scare | ||
| % Loss | -21.6% | -19.2% |
| % Gain to Breakeven | 27.6% | 23.8% |
| Time to Breakeven | 1035 days | 105 days |
| 2010 Eurozone Sovereign Debt Crisis / Flash Crash | ||
| % Loss | -10.5% | -15.4% |
| % Gain to Breakeven | 11.7% | 18.2% |
| Time to Breakeven | 149 days | 125 days |
In The Past
Home Bancorp's stock fell -15.4% during the 2025 US Tariff Shock. Such a loss loss requires a 18.2% gain to breakeven.
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Asset Allocation
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| Event | HBCP | S&P 500 |
|---|---|---|
| 2023 SVB Regional Banking Crisis | ||
| % Loss | -27.8% | -6.7% |
| % Gain to Breakeven | 38.4% | 7.1% |
| Time to Breakeven | 218 days | 31 days |
| 2020 COVID-19 Crash | ||
| % Loss | -46.6% | -33.7% |
| % Gain to Breakeven | 87.3% | 50.9% |
| Time to Breakeven | 347 days | 140 days |
| Q4 2018 Fed Policy Error / Growth Scare | ||
| % Loss | -21.6% | -19.2% |
| % Gain to Breakeven | 27.6% | 23.8% |
| Time to Breakeven | 1035 days | 105 days |
| 2008-2009 Global Financial Crisis | ||
| % Loss | -21.5% | -53.4% |
| % Gain to Breakeven | 27.4% | 114.4% |
| Time to Breakeven | 103 days | 1085 days |
In The Past
Home Bancorp's stock fell -15.4% during the 2025 US Tariff Shock. Such a loss loss requires a 18.2% gain to breakeven.
Preserve Wealth
Limiting losses and compounding gains is essential to preserving wealth.
Asset Allocation
Actively managed asset allocation strategies protect wealth. Learn more.
About Home Bancorp (HBCP)
Home Bancorp, Inc. (HBCP) is a bank holding company operating primarily through its subsidiary, Home Bank, National Association. Founded in 1908 and headquartered in Lafayette, Louisiana, the company provides a comprehensive range of traditional banking products and services. Its core business revolves around accepting deposits and originating various types of loans for individuals and businesses.
For individuals, Home Bancorp offers deposit accounts such as checking, savings, money market, and certificates of deposit, alongside consumer loan products like one-to four-family first mortgage loans, home equity loans, and lines of credit. For businesses, the bank provides commercial real estate loans, construction and land loans, multi-family residential loans, and commercial and industrial loans. The company also offers supplementary services including credit cards, online banking, and invests in securities.
Home Bancorp primarily serves the communities within Louisiana and Mississippi. Its branch network is strategically located across several key regions including Acadiana, Baton Rouge, the Greater New Orleans area, and the Northshore region in Louisiana, as well as Natchez, Mississippi. This regional focus allows the bank to cater to both individual consumers seeking personal banking and lending solutions, and local businesses requiring commercial financing and deposit services.
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Here are a few analogies to describe Home Bancorp (HBCP):
- Think of it as a regional Bank of America, focused on Louisiana and Mississippi.
- It's like a local Wells Fargo, primarily serving communities in Louisiana and Mississippi.
AI Analysis | Feedback
- Deposit Products: A suite of banking services including checking, savings, money market, NOW, and certificates of deposit accounts for individuals and businesses.
- Loan Products: Diverse banking services offering various types of credit, such as mortgage, home equity, commercial real estate, construction, multi-family residential, commercial and industrial, and consumer loans.
- Securities Investments: Financial activities involving the investment in various securities to manage the company's assets.
- Credit Cards: Financial instruments provided to customers for making purchases on credit.
- Online Banking Services: Digital platforms that enable customers to conveniently manage their bank accounts and conduct transactions remotely.
AI Analysis | Feedback
Home Bancorp (HBCP), as a bank holding company, serves a diverse customer base rather than having a few major customers. Its primary customer categories include:
-
Individual Consumers: This category includes individuals and families who utilize a range of deposit products such as checking, savings, money market, NOW, and certificates of deposit accounts. They also obtain one-to four-family first mortgage loans, home equity loans and lines, and various consumer loans. Additionally, Home Bancorp offers credit cards and online banking services to this segment.
-
Commercial Businesses: This category encompasses small to medium-sized businesses that benefit from the bank's commercial real estate loans, commercial and industrial loans, and business-specific deposit accounts.
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Real Estate Developers and Investors: This specialized segment of business customers utilizes the bank's financing for construction and land loans, multi-family residential loans, and other commercial real estate loan products.
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John W. Bordelon Chairman, President and Chief Executive Officer
Mr. Bordelon has served as President and Chief Executive Officer of Home Bank since 1993, and was elected Chairman of the Board of Home Bancorp, Inc. in 2020. He joined Home Bank in 1981 and has served in a variety of management positions. Throughout his career, he has served on the Board of Directors for various organizations including the Community Foundation of Acadiana, Greater Lafayette Chamber of Commerce (as chairman), Southwest Medical Center, United Way of Acadiana, and the University of Louisiana's Athletic Foundation Advisory Committee. He is a graduate of the University of Southwestern Louisiana and is the founder of the Ragin Cajun Athletic Fund.
David T. Kirkley Senior Executive Vice President and Chief Financial Officer
Mr. Kirkley was promoted to Chief Financial Officer in November 2020. He joined Home Bank, N.A. in May 2012 as Treasurer. Prior to that, he served as Funding Manager and Financial Analyst at Iberiabank from 2008 to May 2012, and as a Staff Accountant at Iberiabank. He holds a finance degree and an MBA from the University of Louisiana and is a Chartered Financial Analyst.
Mark C. Herpin Senior Executive Vice President and Chief Operations Officer
Mr. Herpin serves as the Senior Executive Vice President and Chief Operations Officer. He brings a wealth of experience from former senior roles within First Horizon National Corporation, demonstrating a reputable background in strategic data and information management.
Natalie B. Lemoine Senior Executive Vice President and Chief Administrative Officer
Ms. Lemoine joined Home Bank in 2015. She leads human resources, communications, and marketing operations, and is responsible for the Bank's community development program. She also oversees HB Financial Wealth Management, the company's investment management and wealth planning division. She earned a Bachelor of Arts in Public Relations and a minor in Political Science from Loyola University in New Orleans.
Darren E. Guidry Senior Executive Vice President and Chief Risk Officer
Mr. Guidry holds the position of Senior Executive Vice President and Chief Risk Officer for Home Bancorp.
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The key risks to Home Bancorp (HBCP) include:
- Credit Risk and Loan Portfolio Concentration: Home Bancorp faces significant credit risk due to its substantial exposure to commercial real estate (CRE) mortgages and construction and land loans. As of December 31, 2025, commercial real estate mortgages constituted 43.4% of the loan portfolio, with construction and land loans making up 12.0%, highlighting a concentration risk in these segments. The bank also saw an increase in non-performing assets, indicating potential for future write-downs or increased loan loss reserves, which could impact earnings and book value.
- Interest Rate Risk: The company is inherently exposed to interest rate risk, which stems from its lending and deposit-taking activities. Fluctuations in market interest rates or changes in Federal Reserve policy can significantly impact the bank's net interest income and the effectiveness of its hedging strategies, such as interest rate swaps. Additionally, the volatility in the fair value of investment securities due to interest rate changes poses a business risk that could affect the company's comprehensive income.
- Cyber Risk: Home Bancorp's annual report filings specifically outline the presence of cyber risk. As a financial institution, the company is susceptible to cyberattacks, which could lead to data breaches, operational disruptions, financial losses, and reputational damage.
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Home Bancorp (HBCP) operates in the banking sector, offering a diverse range of products and services primarily across Louisiana and Mississippi. The addressable markets for their main products and services in these regions are outlined below.
Louisiana
- Commercial Banking Services (including deposits, consumer, commercial, and industrial loans): The market size for the Commercial Banking industry in Louisiana is estimated at $10.2 billion in 2026.
- Deposits: The total deposits in banks operating in Louisiana were approximately $131 billion in 2024.
- New Home Loans (Residential Mortgages): New home loans booked in Louisiana totaled $7.2 billion in 2024.
- Small Business Loans (Commercial & Industrial Loans): The market for small business loans in Louisiana was $10 billion in 2024.
Mississippi
- Commercial Banking Services (including deposits, consumer, commercial, and industrial loans): The market size for the Commercial Banking industry in Mississippi is projected to be $9.0 billion in 2026.
- Banking Assets (Deposits and Loans): The total banking assets under supervision for state-chartered banks in Mississippi were approximately $149 billion as of June 30, 2024, representing about 87% of all banking assets chartered in the state.
- Mortgage Market (Residential Real Estate Loans): In 2022, Mississippi saw 45,501 home sales, with an average home price of $171,998. The median home sale price in Mississippi was approximately $268,600 in February 2026.
Commercial Real Estate Loans (Louisiana and Mississippi)
While specific state-level addressable market sizes for all commercial real estate loans were not explicitly detailed, nationally, total commercial real estate (CRE) mortgage borrowing and lending was estimated at $498 billion in 2024. Home Bancorp's loan portfolio includes significant allocations to various commercial real estate segments, including construction and land development loans and multi-family residential mortgages.
Credit Cards and Online Banking Services
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Here are 3-5 expected drivers of future revenue growth for Home Bancorp (HBCP) over the next 2-3 years:
- Loan Growth, particularly in the Houston Market: Home Bancorp anticipates continued expansion in its loan portfolio. The Houston market has been a significant contributor to loan growth, with loans growing at a 15% annual rate since the company entered the Texas market in 2022. The company's management expects the lending team hired in late 2023 to be even more productive in contributing to future loan growth. For 2026, the company expects mid-single-digit loan growth.
- Net Interest Margin (NIM) Expansion: The company projects an improvement in its Net Interest Margin. Home Bancorp reported a NIM of 4.06% for Q4 2025 and expects it to tick up to 4.1%-4.15% throughout 2026. This suggests that the company anticipates earning more from its interest-bearing assets relative to its interest-bearing liabilities.
- Deposit Growth and Favorable Deposit Mix: Home Bancorp is focused on growing deposits and optimizing its deposit mix to reduce its cost of funds. The company achieved 7% deposit growth in 2025, which helped reduce its loan-to-deposit ratio and brought down the overall cost of deposits to an attractive 1.84% in Q4 2025. Management expects further reductions in the cost of deposits in the first quarter of 2026 as recent Federal Reserve rate cuts are reflected in deposit pricing.
- Growth in Interest-Earning Assets: Analysts project an increase in Home Bancorp's total average interest-earning assets. For Q1 2025, total average interest-earning assets are expected to reach $3.27 billion, compared to $3.13 billion in the same quarter of the previous year. This growth in earning assets directly contributes to higher interest income.
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Share Repurchases
- Home Bancorp repurchased 173,497 shares of its common stock during the first quarter of 2025 at an average price per share of $44.72, totaling approximately $7.75 million.
- On April 21, 2025, a new share repurchase plan was approved, authorizing the company to purchase up to 400,000 shares, or approximately 5% of its outstanding common stock.
- As of March 31, 2025, 138,315 shares remained eligible for repurchase under the company's 2023 Repurchase Plan.
Share Issuance
- Home Bancorp, Inc. has filed a shelf registration statement to offer up to $150,000,000 of various securities, including common and preferred stock, indicating a potential for future offerings. [cite: 2 (from previous search)]
- The number of shares outstanding for Home Bancorp generally decreased from 8.27 million in 2021 to 7.71 million in 2025, suggesting no significant share issuances during this period. [cite: 7 (from previous search)]
Outbound Investments
- In December 2021, Home Bancorp, Inc. announced an agreement to acquire Friendswood Capital Corporation in an all-cash transaction valued at approximately $66.6 million. The merger was expected to close in the first quarter of 2022. [cite: 1 (from previous search), 3 (from previous search)]
- As of the second quarter of 2025, Home Bancorp was exploring potential mergers and acquisitions in the range of $350 million to $1 billion. [cite: 5 (from previous search)]
Peer Outperformance in Regional Banks
| Ticker | Name | Rev Growth 3Y Avg | P/E | 1Y | 3Y | 5Y | 5Y Gap |
|---|---|---|---|---|---|---|---|
| HBCP | Home Bancorp | 3.2% | 11.4x | 24.8% | 131.2% | 106.8% | — |
| FBP | First BanCorp | 2.9% | 11.4x | 29.1% | 131.6% | 174.3% | +67pp |
| BPOP | Popular | 2.8% | 10.7x | 29.5% | 183.6% | 160.6% | +54pp |
| Industry | Names | 1Y med | 3Y med | 5Y med | Top 3 by 5Y |
|---|---|---|---|---|---|
| Reinsurance | 6 | 24.2% | 70.6% | 133.7% | SPNT 170% · RGA 154% · RNR 140% |
| Investment Banking & Brokerage | 13 | -1.7% | 105.1% | 116.5% | IBKR 527% · SNEX 257% · HOOD 183% |
| Diversified Banks | 12 | 27.5% | 129.8% | 116.3% | CM 161% · JPM 159% · RY 149% |
| Life & Health Insurance | 20 | 8.6% | 57.6% | 105.8% | JXN 534% · UNM 373% · FG 207% |
| Multi-Sector Holdings | 4 | 6.8% | 50.2% | 87.3% | JONE 361% · VOYA 88% · BRK-B 87% |
| Property & Casualty Insurance | 42 | 9.6% | 67.5% | 67.8% | ASIC 2760900% · HRTG 445% · UVE 331% |
| Regional Banks ← | 265 | 23.9% | 91.7% | 67.1% | ESQ 391% · GCBC 340% · VBNK 335% |
| Multi-line Insurance | 9 | 8.8% | 71.2% | 64.1% | GNW 201% · L 112% · SLF 104% |
| Financial Exchanges & Data | 15 | -0.1% | 17.4% | 32.7% | VIRT 184% · CBOE 135% · CME 83% |
| Diversified Financial Services | 4 | -7.3% | 22.1% | 32.6% | FRHC 168% · EQH 119% · TMS -54% |
| Consumer Finance | 30 | 1.7% | 89.6% | 26.9% | ENVA 447% · EZPW 319% · FCFS 168% |
| Insurance Brokers | 16 | -15.1% | -6.3% | 20.3% | LIFE 200% · ARX 87% · AJG 70% |
| Commercial & Residential Mortgage Finance | 14 | -50.2% | 32.8% | 13.9% | FNMA 454% · FMCC 436% · ACT 204% |
| Asset Management & Custody Banks | 84 | -11.7% | 17.6% | 12.0% | WT 348% · SII 279% · VCTR 274% |
| Specialized Finance | 3 | 14.0% | 42.2% | -2.8% | EFC 27% · CACC -3% · HASI -16% |
| Mortgage REITs | 33 | -13.0% | 7.4% | -16.5% | NREF 53% · RITM 42% · DX 34% |
| Transaction & Payment Processing Services | 15 | -1.0% | -5.9% | -42.9% | V 74% · MA 73% · CPAY 58% |
| Diversified Capital Markets | 20 | -36.3% | 20.7% | -48.1% | OPY 196% · LPLA 136% · GOLD 90% |
Latest Trefis Analyses
| Title | Date | |
|---|---|---|
| DASHBOARDS | ||
| How Low Can Home Bancorp Stock Really Go? | 10/17/2025 |
| Title | |
|---|---|
| ARTICLES |
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Peer Comparisons
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 42.41 |
| Mkt Cap | 16.3 |
| Rev LTM | 4,980 |
| Op Inc LTM | - |
| FCF LTM | 1,367 |
| FCF 3Y Avg | 1,214 |
| CFO LTM | 1,562 |
| CFO 3Y Avg | 1,336 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 14.8% |
| Rev Chg 3Y Avg | 7.8% |
| Rev Chg Q | 12.8% |
| QoQ Delta Rev Chg LTM | 3.0% |
| Op Inc Chg LTM | - |
| Op Inc Chg 3Y Avg | - |
| Op Mgn LTM | - |
| Op Mgn 3Y Avg | - |
| QoQ Delta Op Mgn LTM | - |
| CFO/Rev LTM | 33.3% |
| CFO/Rev 3Y Avg | 34.1% |
| FCF/Rev LTM | 28.3% |
| FCF/Rev 3Y Avg | 30.4% |
Price Behavior
| Market Price | $68.57 | |
| Market Cap ($ Bil) | 0.5 | |
| First Trading Date | 10/03/2008 | |
| Distance from 52W High | -5.4% | |
| 50 Days | 200 Days | |
| DMA Price | $69.94 | $63.71 |
| DMA Trend | up | up |
| Distance from DMA | -2.0% | 7.6% |
| 3M | 1YR | |
| Volatility | 20.1% | 24.4% |
| Downside Capture | 14.13 | 33.15 |
| Upside Capture | 32.95 | 53.34 |
| Correlation (SPY) | 10.5% | 22.9% |
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | 0.48 | 0.46 | 0.01 | 0.21 | 0.44 | 0.81 |
| Up Beta | 1.04 | 0.36 | -0.31 | 0.15 | 0.57 | 0.80 |
| Down Beta | -0.88 | -0.08 | -0.19 | -0.14 | 0.30 | 0.82 |
| Up Capture | -2% | 45% | 33% | 41% | 43% | 73% |
| Bmk +ve Days | 10 | 21 | 32 | 68 | 138 | 427 |
| Stock +ve Days | 9 | 19 | 33 | 66 | 124 | 383 |
| Down Capture | 94% | 86% | 5% | 23% | 44% | 91% |
| Bmk -ve Days | 11 | 21 | 32 | 59 | 113 | 324 |
| Stock -ve Days | 12 | 23 | 31 | 61 | 125 | 362 |
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with HBCP | |
|---|---|---|---|---|
| HBCP | 27.4% | 24.6% | 0.93 | - |
| Sector ETF (XLF) | 4.5% | 14.6% | 0.08 | 51.7% |
| Equity (SPY) | 16.9% | 12.9% | 0.94 | 23.0% |
| Gold (GLD) | 19.1% | 29.3% | 0.60 | -6.6% |
| Commodities (DBC) | 46.3% | 20.6% | 1.73 | -20.1% |
| Real Estate (VNQ) | 4.9% | 13.6% | 0.10 | 32.6% |
| Bitcoin (BTCUSD) | -30.6% | 44.3% | -0.70 | 12.3% |
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Based On 5-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with HBCP | |
|---|---|---|---|---|
| HBCP | 16.0% | 29.9% | 0.52 | - |
| Sector ETF (XLF) | 10.1% | 18.4% | 0.41 | 54.5% |
| Equity (SPY) | 12.9% | 17.2% | 0.57 | 41.4% |
| Gold (GLD) | 19.1% | 18.8% | 0.83 | -1.4% |
| Commodities (DBC) | 11.2% | 19.5% | 0.45 | 3.6% |
| Real Estate (VNQ) | 1.1% | 18.8% | -0.05 | 40.7% |
| Bitcoin (BTCUSD) | 12.5% | 52.5% | 0.42 | 15.7% |
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Based On 10-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with HBCP | |
|---|---|---|---|---|
| HBCP | 11.5% | 33.8% | 0.41 | - |
| Sector ETF (XLF) | 12.9% | 22.1% | 0.53 | 61.0% |
| Equity (SPY) | 15.1% | 18.0% | 0.72 | 49.2% |
| Gold (GLD) | 12.1% | 16.4% | 0.61 | -1.0% |
| Commodities (DBC) | 8.3% | 18.1% | 0.37 | 15.3% |
| Real Estate (VNQ) | 4.4% | 20.7% | 0.18 | 48.1% |
| Bitcoin (BTCUSD) | 62.6% | 66.2% | 1.02 | 15.8% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Returns Analyses
Earnings Returns History
Updated 8/20/2026| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 7/20/2026 | 0.6% | 2.8% | 5.0% |
| 4/20/2026 | -1.4% | -1.7% | -0.9% |
| 1/26/2026 | -3.3% | 0.9% | 1.8% |
| 10/20/2025 | 2.4% | 0.8% | -2.2% |
| 7/21/2025 | 0.6% | -2.6% | -5.8% |
| 4/21/2025 | 10.7% | 14.6% | 17.3% |
| 1/27/2025 | 4.4% | 3.6% | -2.0% |
| 10/17/2024 | -0.2% | 3.3% | 10.4% |
| ... | |||
| SUMMARY STATS | |||
| # Positive | 11 | 14 | 14 |
| # Negative | 11 | 8 | 8 |
| Median Positive | 1.7% | 3.8% | 9.6% |
| Median Negative | -1.1% | -2.2% | -5.9% |
| Max Positive | 10.7% | 14.6% | 18.0% |
| Max Negative | -7.4% | -5.6% | -9.0% |
| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 7/20/2026 | 0.6% | 2.8% | 5.0% |
| 4/20/2026 | -1.4% | -1.7% | -0.9% |
| 1/26/2026 | -3.3% | 0.9% | 1.8% |
| 10/20/2025 | 2.4% | 0.8% | -2.2% |
| 7/21/2025 | 0.6% | -2.6% | -5.8% |
| 4/21/2025 | 10.7% | 14.6% | 17.3% |
| 1/27/2025 | 4.4% | 3.6% | -2.0% |
| 10/17/2024 | -0.2% | 3.3% | 10.4% |
| 7/17/2024 | -7.4% | -5.6% | -7.6% |
| 4/18/2024 | 7.4% | 5.7% | 14.0% |
| 1/22/2024 | 1.7% | 4.9% | -9.0% |
| 10/18/2023 | 2.4% | 4.8% | 18.0% |
| 7/18/2023 | 1.5% | -2.8% | -6.0% |
| 4/18/2023 | -0.1% | -0.3% | -7.6% |
| 1/24/2023 | -0.2% | -1.7% | 1.7% |
| 10/18/2022 | -0.4% | -3.1% | 0.8% |
| 7/26/2022 | 0.1% | 2.1% | 9.6% |
| 10/26/2021 | -1.1% | 5.4% | 9.6% |
| 7/27/2021 | -0.4% | -1.6% | 3.9% |
| 4/27/2021 | 0.4% | 4.9% | 6.7% |
| 1/26/2021 | -4.4% | 2.1% | 11.0% |
| 10/27/2020 | -4.2% | 3.9% | 16.7% |
| SUMMARY STATS | |||
| # Positive | 11 | 14 | 14 |
| # Negative | 11 | 8 | 8 |
| Median Positive | 1.7% | 3.8% | 9.6% |
| Median Negative | -1.1% | -2.2% | -5.9% |
| Max Positive | 10.7% | 14.6% | 18.0% |
| Max Negative | -7.4% | -5.6% | -9.0% |
Insider Activity
Updated 8/19/2026| # | Owner | Title | Holding | Action | Filing Date | Price | Shares | Transacted Value | Value of Held Shares | Form |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Zollinger, John J IV | SEVP, Chief Banking Officer | Direct | Sell | 8192026 | 71.68 | 750 | 53,760 | 547,850 | Form |
| 2 | Zollinger, John J IV | SEVP, Chief Banking Officer | Direct | Sell | 7272026 | 69.39 | 800 | 55,512 | 530,348 | Form |
| 3 | Guidry, Daniel G | Direct | Sell | 5212026 | 65.01 | 1,000 | 65,010 | 4,129,370 | Form | |
| 4 | Zollinger, John J IV | SEVP, Chief Banking Officer | Direct | Sell | 5132026 | 62.77 | 867 | 54,422 | 479,751 | Form |
| 5 | Kirkley, David T | SEVP & Chief Financial Officer | Direct | Sell | 5132026 | 62.80 | 655 | 41,134 | 318,019 | Form |
| # | Owner | Title | Holding | Action | Filing Date | Price | Shares | Transacted Value | Value of Held Shares | Form |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Zollinger, John J IV | SEVP, Chief Banking Officer | Direct | Sell | 8192026 | 71.68 | 750 | 53,760 | 547,850 | Form |
| 2 | Zollinger, John J IV | SEVP, Chief Banking Officer | Direct | Sell | 7272026 | 69.39 | 800 | 55,512 | 530,348 | Form |
| 3 | Guidry, Daniel G | Direct | Sell | 5212026 | 65.01 | 1,000 | 65,010 | 4,129,370 | Form | |
| 4 | Zollinger, John J IV | SEVP, Chief Banking Officer | Direct | Sell | 5132026 | 62.77 | 867 | 54,422 | 479,751 | Form |
| 5 | Kirkley, David T | SEVP & Chief Financial Officer | Direct | Sell | 5132026 | 62.80 | 655 | 41,134 | 318,019 | Form |
| 6 | Kirkley, David T | SEVP & Chief Financial Officer | Direct | Sell | 5132026 | 63.27 | 220 | 13,919 | 361,841 | Form |
| 7 | Guidry, Daniel G | Direct | Sell | 5112026 | 64.50 | 1,000 | 64,500 | 4,129,258 | Form | |
| 8 | Guidry, Darren E | SEVP & Chief Risk Officer | Direct | Sell | 4302026 | 62.78 | 1,600 | 100,448 | 1,163,313 | Form |
| 9 | Zollinger, John J IV | SEVP, Chief Banking Officer | Direct | Sell | 4282026 | 63.12 | 311 | 19,630 | 469,676 | Form |
| 10 | Rader, Chris P | Direct | Buy | 2192026 | 59.50 | 500 | 29,750 | 1,053,968 | Form |
Industry Resources
| Financials Resources |
| Federal Reserve Economic Data |
| Federal Reserve |
| FDIC Data |
| American Banker |
| The Banker |
| Banking Technology |
| Regional Banks Resources |
| Bank Director |
| Independent Banker |
| S&P Global Market Intelligence |
External Quote Links
| Y Finance | Barrons |
| TradingView | Morningstar |
| SeekingAlpha | ValueLine |
| Motley Fool | Robinhood |
| CNBC | Etrade |
| MarketWatch | Unusual Whales |
| YCharts | Perplexity Finance |
| FinViz |
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