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Financials · HBCP

Home Bancorp Inc. (HBCP) financials

For the twelve months ended Sep 30, 2026, Home Bancorp Inc. reported $156.11M of revenue and $44.48M of net income.

Revenue, TTM
$156.11M
Revenue growth, YoY
+7.0%
Net income, TTM
$44.48M
Net income growth, YoY
+0.4%
Net margin
28.5%
Free cash flow, TTM
$54.29M
EPS, diluted, TTM
$5.67
EPS growth, YoY
+0.9%
Cash
$179.05M
P/E
10.95
P/S
3.12
Market cap
$487.3M
Annual revenue$148.72M
FY2016FY2025
Annual net income$46.06M
FY2016FY2025
Annual free cash flow$44.34M
FY2016FY2025

HBCP revenue and earnings growth

HBCP revenueQ3 2026$40.12M

Quarter YoY
+6.0%
QoQ
+1.0%
FY YoY
+10.3%
5Y CAGR
+6.9%
10Y CAGR
+8.9%

HBCP revenue was $40.12M in fiscal Q3 2026 (ended Sep 30, 2026), up 6.0% from a year earlier and up 1.0% from the prior quarter. For the full fiscal 2025 it was $148.72M, up 10.3% from fiscal 2024. Compound annual growth was +6.9% over 5 years and +8.9% over 10 years. It rose in 8 of the last 10 fiscal years. Fiscal 2025 is the highest of the 15 fiscal years on file.

HBCP net incomeQ3 2026$10.10M

Quarter YoY
-18.3%
QoQ
-13.1%
FY YoY
+26.5%
5Y CAGR
+13.2%
10Y CAGR
+13.9%

HBCP net income was $10.10M in fiscal Q3 2026 (ended Sep 30, 2026), down 18.3% from a year earlier and down 13.1% from the prior quarter. For the full fiscal 2025 it was $46.06M, up 26.5% from fiscal 2024. Compound annual growth was +13.2% over 5 years and +13.9% over 10 years. It rose in 6 of the last 10 fiscal years.

HBCP EPSQ3 2026$1.28

Quarter YoY
-19.5%
QoQ
-13.5%
FY YoY
+29.0%
5Y CAGR
+15.5%
10Y CAGR
+12.6%

HBCP diluted EPS was $1.28 in fiscal Q3 2026 (ended Sep 30, 2026), down 19.5% from a year earlier and down 13.5% from the prior quarter. For the full fiscal 2025 it was $5.87, up 29.0% from fiscal 2024. Compound annual growth was +15.5% over 5 years and +12.6% over 10 years.

HBCP free cash flowQ3 2026$23.46M

Quarter YoY
+13.6%
QoQ
+152.5%
FY YoY
-0.7%
5Y CAGR
-1.1%
10Y CAGR
+2.3%

HBCP free cash flow was $23.46M in fiscal Q3 2026 (ended Sep 30, 2026), up 13.6% from a year earlier and up 152.5% from the prior quarter. For the full fiscal 2025 it was $44.34M, down 0.7% from fiscal 2024. Compound annual growth was -1.1% over 5 years and +2.3% over 10 years. It rose in 5 of the last 10 fiscal years.

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Income statement

Income statement
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue$148.72M$134.89M$135.33M$131.90M$117.26M$106.52M$100.41M$105.45M$77.81M$73.57M
Interest expense--$42.97M$7.92M$5.91M$11.92M$16.21M$10.31M$6.55M$5.27M
Pre-tax income$58.02M$45.18M$50.15M$42.50M$60.44M$30.81M$33.79M$38.28M$29.32M$23.58M
Income tax$11.96M$8.76M$9.91M$8.43M$11.82M$6.04M$5.86M$6.70M$12.49M$7.57M
Net income$46.06M$36.43M$40.24M$34.07M$48.62M$24.77M$27.93M$31.59M$16.82M$16.01M
EPS, basic$5.93$4.58$5.02$4.19$5.80$2.86$3.08$3.48$2.36$2.34
EPS, diluted$5.87$4.55$4.99$4.16$5.77$2.85$3.05$3.40$2.28$2.25
Diluted shares7.8M8.0M8.1M8.2M8.4M8.7M9.1M9.3M7.4M7.1M

Balance sheet

Balance sheet
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Cash and equivalents$141.60M$98.55M$75.83M$87.40M$601.44M$187.95M$39.85M$59.62M$150.42M$29.32M
Goodwill$81.52M$81.52M$81.52M$81.52M$58.49M$58.49M$58.49M$58.49M$58.62M$9.35M
Total assets$3.49B$3.44B$3.32B$3.23B$2.94B$2.59B$2.20B$2.15B$2.23B$1.56B
Total liabilities$3.06B$3.05B$2.95B$2.90B$2.59B$2.27B$1.88B$1.85B$1.95B$1.38B
Shareholders' equity$435.09M$396.09M$367.44M$329.95M$351.90M$321.84M$316.33M$304.04M$277.87M$179.84M

Cash flow

Cash flow
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Operating cash flow$54.51M$48.73M$41.36M$51.20M$55.72M$49.03M$43.94M$47.13M$24.75M$20.49M
Capital expenditures$10.17M$4.06M$2.02M$2.71M$2.47M$2.15M$3.84M$5.01M$1.92M$4.11M
Free cash flow$44.34M$44.67M$39.33M$48.49M$53.24M$46.88M$40.10M$42.12M$22.84M$16.38M
Investing cash flow-$2.88M-$107.11M-$94.25M-$495.35M$54.93M-$260.04M-$72.33M-$24.68M$78.67M-$11.50M
Financing cash flow-$8.57M$81.09M$41.33M-$69.89M$302.85M$359.11M$8.62M-$113.24M$17.68M-$4.47M
Dividends paid$8.99M$8.19M$8.22M$7.78M$7.87M$7.90M$7.90M$6.71M$4.07M$2.99M
Share repurchases$14.36M$4.77M$5.26M$11.33M$8.90M$14.01M$15.45M$1.19M$70.0K$357.0K
Stock-based compensation$3.38M$2.76M$2.38M$2.44M$2.35M$2.05M$2.41M$2.54M$2.13M$1.57M

Key ratios

Key ratios
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue growth, YoY10.3%-0.3%2.6%12.5%10.1%6.1%-4.8%35.5%5.8%16.2%
Net income growth, YoY26.5%-9.5%18.1%-29.9%96.3%-11.3%-11.6%87.8%5.1%27.6%
EPS growth, YoY29.0%-8.8%20.0%-27.9%102.5%-6.6%-10.3%49.1%1.3%25.7%
Net margin31.0%27.0%29.7%25.8%41.5%23.3%27.8%30.0%21.6%21.8%
Free cash flow margin29.8%33.1%29.1%36.8%45.4%44.0%39.9%39.9%29.3%22.3%
Return on equity10.6%9.2%11.0%10.3%13.8%7.7%8.8%10.4%6.1%8.9%
Return on assets1.3%1.1%1.2%1.1%1.7%1.0%1.3%1.5%0.8%1.0%

Source: XBRL data Home Bancorp Inc. files with the SEC, latest filing dated Nov 4, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

HBCP peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
HBCP$156.11M+7.0%$44.48M28.5%$487.3M
FLG$2.09B-6.4%$48.00M2.3%$4.55B
BBT$887.69M+93.0%$159.79M18.0%$2.63B
HFWA$294.09M+30.2%$77.90M26.5%$1.19B
NBBK$283.44M+43.2%$66.95M23.6%$995.6M
SMBC$200.65M+9.9%$71.84M35.8%$799.2M
TCBX$248.00M+24.8%$75.26M30.3%$674.4M
GCBC$92.58M+22.9%$41.02M44.3%$623.0M

HBCP FAQ

8 questions
  • What is HBCP revenue?
    Home Bancorp Inc. (HBCP) reported $156.11M of revenue for the twelve months ended Sep 30, 2026. That is up 7.0% from the year before. Revenue for fiscal 2025 was $148.72M.
  • Is HBCP profitable?
    Yes. Home Bancorp Inc. earned $44.48M in net income for the twelve months ended Sep 30, 2026, a net margin of 28.5%.
  • How much cash and debt does HBCP have?
    Home Bancorp Inc. reported $179.05M in cash and cash equivalents on its most recent balance sheet in SEC filings.
  • How fast is HBCP revenue growing?
    Home Bancorp Inc.'s revenue changed +10.3% in fiscal 2025, to $148.72M. Its compound annual growth rate was +6.9% over 5 years and +8.9% over 10 years.
  • What is HBCP free cash flow?
    Home Bancorp Inc. generated $54.29M of free cash flow for the twelve months ended Sep 30, 2026, which is operating cash flow of $64.01M less capital expenditures.
  • What is HBCP earnings per share?
    Diluted earnings per share were $5.67 for the twelve months ended Sep 30, 2026, from SEC filings, restated for any stock split those filings show.
  • When did HBCP last report financial results?
    The latest statements here come from Home Bancorp Inc.'s 10-Q filed on Nov 4, 2026, covering the period ended Sep 30, 2026.
  • Where does this HBCP financial data come from?
    Quantisnow builds these statements from the structured XBRL data Home Bancorp Inc. files with the SEC. It is provided for information only and is not investment advice.