Home Bancorp Inc. Common Stock (HBCP)

FairStock Score: 64/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look at a small regional bank like Home Bancorp through the lens of book value, returns on equity, and credit risk. It operates Home Bank in Louisiana, Mississippi and Texas, with 486 employees and a $517.5 million market capitalization at the close on 2026-10-13. The stock sells for $65.75, or 1.14 times book and 10.99 times FairStock's earnings calculation, with a 1.90% dividend yield. FairStock puts ROE at 10.84%, which is respectable but not the 15%-plus I prefer in a bank. Filed figures show FY2025 net income of $46.1 million and diluted EPS of $5.87, up from $36.4 million and $4.55 in FY2024; FY2023 was $40.2 million and $4.99. The latest filed quarter, fiscal Q2 2026 ended 2026-06-30, had net income of $11.6 million and diluted EPS of $1.48, while fiscal Q1 2026 ended 2026-03-31 had $11.4 million and $1.45. That is steady, but not rapid. Home Bancorp is categorized by FairStock as a STALWART because profit grew 13.2% a year over five years, yet the PEG of 4.36 warns that recent growth may not support the multiple. A Piotroski F-Score of 5/9 is middling. The low beta of 0.52 suggests less market volatility, but banks live on credit quality, funding costs and capital. The data lacks CET1, net interest margin, nonperforming loans and charge-offs; the combined ratio is an insurer metric and is not provided. Without those, I cannot underwrite the balance sheet properly. At about book value, the price is not demanding, but a 10.8% return on equity makes it a fair business at a fair price, not a fat pitch.

In plain English: Home Bancorp is a small bank holding company that runs Home Bank in Louisiana, Mississippi, and Texas. It earns money from loans and deposits, has been consistently profitable, and pays a modest dividend. At the recent price, it trades near the value of its net assets and about eleven times yearly profit, so it looks roughly fair rather than clearly cheap or expensive.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q4 2025 10-K (period ended 2025-12-31) · fiscal Q3 2025 10-K (period ended 2025-09-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer