Start here if you're new
what it is
Home Bancorp is a Louisiana and Texas community bank that takes your deposits and turns them into mortgages, business loans, and interest income.
how it gets paid
Last year Home Bancorp made $194M in revenue.
why it's growing
Revenue grew 297.7% last year. EPS of $1.46 mattered most because it was up 21% vs. prior year while revenue rose only 2%.
what just happened
The latest quarter was simple: EPS hit $1.46 on $49M of revenue, with profit growing faster than sales.
At a glance
B+ balance sheet — decent shape, but not bulletproof
60/100 earnings predictability — reasonably predictable
10.0x trailing p/e — the market's not buying it — or you found a deal
2.1% dividend yield — cash in your pocket every quarter
$5.87 fy2025 eps est
xvary composite: 57/100 — below average
What they do
Home Bancorp is a Louisiana and Texas community bank that takes your deposits and turns them into mortgages, business loans, and interest income.
This bank still wins the old-fashioned way: 42 offices across Louisiana, Mississippi, and Houston, plus 471 employees who know their markets. Community banking moat → local relationships and branch density → so what: when you need a mortgage, a business loan, or a checking account, you often go where your payroll and your neighbors already are. Long-term debt is just $58 million, or 11% of capital, which gives this lender room to stay boring while weaker banks get squeezed.
How they make money
$194M
annual revenue · their business grew +297.7% last year
total revenue
$194M
+297.7%
The products that matter
business lending
Commercial & Industrial Loans
core to the 4–6% loan growth plan
This is one of the main places management is trying to find growth in 2026. If loan growth lands below 4%, the "volume offsets pressure" argument starts looking thin.
growth lever
property lending
Commercial Real Estate Loans
major portfolio exposure
This book helped drive Q4 2025 expansion, but it also concentrates risk. In a regional bank, the same asset that grows earnings can become the thing you spend a year explaining.
concentration watch
fees and other banking income
Non-Interest Income
$55.2M · 28.5% of revenue
This $55.2M slice matters because it is the part of the revenue base that does not rely directly on net interest spread. At 28.5% of revenue, it's helpful — just not large enough to rescue the story on its own.
stability buffer
Key numbers
10.0x
trailing p/e
P/E → price-to-earnings ratio → how much you pay for each dollar of profit. So what: you are paying 10 times earnings for a bank with trailing EPS of $5.79 and a 2025 EPS estimate of $5.87.
$194M
ttm revenue
This is the actual size of the bank today, verified by SEC filings and consensus data.
2.1%
dividend yield
Yield → cash paid back to you each year as a percent of the stock price → so what: you get paid while waiting for the valuation to rerate.
11%
debt capital
Long-term debt is just 11% of capital, which matters because leverage is how banks turn a headache into a crisis.
Financial health
B+
strength
- balance sheet grade B+ — solid but not elite
- risk rank 3 — safer than 50% of stocks
- price stability 80 / 100
- long-term debt $58M (11% of capital)
B+ — functional but not a standout on the balance sheet.
Total return vs. market
Return history isn't available for HBCP right now.
source: institutional data · return history unavailable
What just happened
beat estimates
The latest quarter was simple: EPS hit $1.46 on $49M of revenue, with profit growing faster than sales.
Quarterly revenue rose 2% vs. prior year to $49M, while EPS climbed 21% to $1.46. Quiet part loud: a small bank growing profit 10 times faster than revenue usually means expense control and lending spreads did the heavy lifting.
$49M
revenue
$1.46
eps
21%
eps growth
the number that mattered
EPS of $1.46 mattered most because it was up 21% vs. prior year while revenue rose only 2%, which tells you profitability improved faster than top-line growth.
source: company earnings report, 2026
Get this snapshot in your inbox
This page, delivered free — plus weekly updates when the numbers change. plain english, no spam.
weekly updates
earnings alerts
plain english
no spam
What could go wrong
the #1 risk is net interest income rolling over faster than loan growth can replace it. HBCP is mostly a spread-income bank, and the 2026 revenue estimate already points in that direction.
high
2026 revenue contraction
Consensus sits at $138.8M for 2026 revenue versus a current implied run rate of roughly $194M. That exposes the entire thesis to one question: are analysts too low, or are current earnings too high?
a gap of roughly $55.2M between the implied run rate and the 2026 estimate
med
net interest margin compression
Net interest income is 71.5% of the revenue mix. If deposit costs stay sticky or asset yields reset lower, margin pressure hits the biggest part of the business first.
71.5% of revenue tied to spread economics
med
texas growth has to show up
The 4–6% loan growth target leans on continued expansion, especially in Texas. If that market slows or competition gets uglier, management loses its cleanest offset to softer revenue.
below 4% loan growth would weaken the operating plan
med
commercial real estate concentration
Commercial real estate lending is a core growth engine here. It is also the kind of exposure that looks conservative until a regional market stalls and everyone remembers banks are leveraged businesses.
credit quality pressure would hit both growth and confidence
A smaller regional bank with a 30.5% net margin can still disappoint if revenue drops toward $138.8M while loan growth misses the 4–6% target. That combination would pressure both the earnings story and the "cheap at 10.0x" argument.
source: institutional data · regulatory filings · risk analysis
Pay attention to
key metric
net interest income versus $138.8M revenue consensus
This is the first number to check next quarter. If revenue trends closer to the current implied $194M run rate, the bear case weakens. If it starts validating $138.8M, the market may be early, not wrong.
calendar
q1 2026 earnings and formal 2026 commentary
This is where management has to close the gap between the 4–6% loan growth plan and the lower revenue setup already sitting in consensus.
trend
texas loan growth
Texas is presented as a growth engine. You want to see whether that engine is actually large enough to matter, not just strategically convenient in management commentary.
risk
margin durability
A 30.5% net margin is a strength until it starts falling. If margin slips while revenue consensus stays weak, the stock stops looking optically cheap and starts looking correctly cheap.
Analyst rankings
earnings predictability
60 / 100
Middle of the pack. In human-speak: analysts think this bank is steady enough to model, but not steady enough to trust without checking every quarter.
valuation signal
10.0x p/e
You're paying $10 for every $1 of trailing earnings. That's inexpensive for a profitable bank. It also means the market does not fully trust those earnings from here.
source: institutional data
Institutional activity
institutional ownership data for HBCP is being compiled.
source: institutional data
Price targets
3-5 year target range
n/a
n/a
$58
current price
n/a
target midpoint · n/a from current
Want the deeper analysis?
The full deep dive: dcf model, scenario analysis, competitive moat breakdown, and quarterly tracking — everything on this page, taken further.
see plans from $5/moThe deep dive