HOME BANCORP, INC. HBCP

Latest FY: 2025 Financial Services Banks - Regional
Market Price $72.70
Market Cap $570.16M
P/E Ratio 12.39
Quick Peer Compare (Financial Services):
Revenue (FY 2025) ↑10.8% YoY
$137.25M
3-Yr CAGR: 4.2%
Net Income ↑26.5% YoY
$46.06M
Net Margin: 33.6%
Free Cash Flow ↓-0.7% YoY
$44.34M
FCF Yield: 7.78%
EPS (Diluted) ↑29.0% YoY
$5.87
Basic: $5.93
Return on Equity Efficiency
10.6%
ROA: 1.3%

📊 Multi-Year Historical Performance & Trends

Financial Performance History Revenue, Net Income & Free Cash Flow
Margins Trend (%) Gross, Operating & Net Margins
Balance Sheet Strength Cash, Debt & Equity
Cash Flow Generation Operating Cash Flow vs CapEx vs FCF

📈 Year-over-Year (YoY) Growth History (HBCP)

All monetary values in millions ($M)
Fiscal Year Revenue Revenue YoY Gross Profit Net Income Net Inc YoY Diluted EPS EPS YoY Op. Cash Flow Free Cash Flow FCF YoY
FY 2016 $65.0M $59.8M $16.0M $2.25 $20.5M $16.4M
FY 2017 $70.5M +8.4% $64.0M $16.8M +5.1% $2.28 +1.3% $24.8M $22.8M +39.5%
FY 2018 $95.3M +35.1% $85.0M $31.6M +87.8% $3.40 +49.1% $47.1M $42.1M +84.4%
FY 2019 $89.5M -6.1% $73.3M $27.9M -11.6% $3.05 -10.3% $43.9M $40.1M -4.8%
FY 2020 $96.3M +7.6% $84.3M $24.8M -11.3% $2.85 -6.6% $49.0M $46.9M +16.9%
FY 2021 $104.5M +8.6% $98.6M $48.6M +96.3% $5.77 +102.5% $55.7M $53.2M +13.6%
FY 2022 $121.4M +16.1% $113.4M $34.1M -29.9% $4.16 -27.9% $51.2M $48.5M -8.9%
FY 2023 $124.2M +2.3% $81.2M $40.2M +18.1% $4.99 +20.0% $41.4M $39.3M -18.9%
FY 2024 $123.9M -0.2% $59.4M $36.4M -9.5% $4.55 -8.8% $48.7M $44.7M +13.6%
FY 2025 $137.3M +10.8% $76.7M $46.1M +26.5% $5.87 +29.0% $54.5M $44.3M -0.7%
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Valuation

Market Price $72.70
Market Cap $570.16M
Enterprise Value N/A
P/E Ratio 12.39
P/B Ratio 1.31
FCF Yield 7.78%
Dividend Yield 1.57%
Shares Outstanding 7,842,600
%

Profitability & Margins

Gross Margin 55.91%
Operating Margin 42.27%
Net Margin 33.56%
Return on Equity (ROE) 10.59%
Return on Assets (ROA) 1.32%
Asset Turnover 0.04x
Revenue 3-Yr CAGR 4.19%
🛡️

Financial Health & Liquidity

Current Ratio N/A
Cash Ratio N/A
Debt / Equity N/A
Debt / Assets N/A
Cash & Equivalents $59.62M
Total Debt N/A
Book Value / Share $55.48
💧

Cash Flow Efficiency

Operating Cash Flow $54.51M
Capital Expenditures (CapEx) $10.17M
Free Cash Flow $44.34M
OCF / Revenue 39.71%
FCF / Revenue 32.31%
FCF 3-Yr CAGR -2.94%
🏷️

Per Share Metrics

EPS (Diluted) $5.87
EPS (Basic) $5.93
Dividends / Share $1.14
Book Value / Share $55.48
EPS YoY Growth 29.01%
🏛️

Balance Sheet (FY 2025)

Total Assets $3.49B
Total Liabilities $3.06B
Stockholders' Equity $435.09M
Current Assets N/A
Current Liabilities N/A