NASDAQ : HBCP
Home Bancorp, Inc. — Financial statements
Financials · Banks - Regional · United States
Last price 61.37 USD (Oct 29, 2026, 4:00 PM EDT) · Market cap 483.21M
Overview · Financial statements · Key statistics · Dividends · Company profile · Price history · Reports
Financial statements
Income statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Interest Income on Loans | 178.50M | 179.47M | 170.25M | 149.34M | 112.66M | 101.58M |
| Interest Income on Investments | 16.92M | 14.30M | 14.51M | 14.32M | 13.27M | 5.33M |
| Total Interest Income | 195.42M | 193.77M | 184.77M | 163.66M | 125.93M | 106.90M |
| Interest Paid on Deposits | 51.77M | 53.38M | 52.78M | 27.50M | 5.21M | 5.23M |
| Interest Paid on Borrowings | 3.40M | 7.14M | 11.72M | 15.47M | 2.70M | 683.00K |
| Total Interest Expense | 55.17M | 60.52M | 64.50M | 42.97M | 7.92M | 5.91M |
| Net Interest Income | 140.25M | 133.25M | 120.26M | 120.69M | 118.02M | 100.99M |
| Gain (Loss) on Sale of Assets | -5.00K | 3.00K | 33.00K | -27.00K | 26.00K | -504.00K |
| Gain (Loss) on Sale of Investments | -249.00K | |||||
| Other Non-Interest Income | 15.02M | 14.60M | 14.12M | 14.10M | 13.20M | 14.26M |
| Total Non-Interest Income | 15.86M | 15.46M | 14.62M | 14.64M | 13.88M | 16.27M |
| Revenues Before Loan Losses | 156.11M | 148.72M | 134.89M | 135.33M | 131.90M | 117.26M |
| Provision for Loan Losses | 3.08M | 59.00K | 2.52M | 2.84M | 7.77M | -9.77M |
| Revenue | 153.03M | 148.66M | 132.37M | 132.49M | 124.13M | 127.03M |
| Salaries and Employee Benefits | 54.50M | 50.10M | 48.57M | 46.56M | 45.31M | 36.80M |
| Federal Deposit Insurance | 1.82M | 1.91M | 1.95M | 2.04M | 2.12M | 1.32M |
| Amortization of Goodwill & Intangibles | 910.00K | 1.09M | 1.33M | 1.60M | 1.60M | 1.16M |
| Selling, General & Administrative | 28.41M | 28.15M | 27.85M | 26.04M | 25.23M | 21.52M |
| Other Non-Interest Expense | 8.79M | 8.31M | 7.14M | 6.65M | 6.84M | 5.34M |
| Total Non-Interest Expense | 96.97M | 90.64M | 87.18M | 82.34M | 81.63M | 66.59M |
| EBT Excluding Unusual Items | 56.06M | 58.02M | 45.18M | 50.15M | 42.50M | 60.44M |
| Pretax Income | 56.06M | 58.02M | 45.18M | 50.15M | 42.50M | 60.44M |
| Income Tax Expense | 11.58M | 11.96M | 8.76M | 9.91M | 8.43M | 11.82M |
| Net Income | 44.48M | 46.06M | 36.43M | 40.24M | 34.07M | 48.62M |
| Net Income to Common | 44.48M | 46.06M | 36.43M | 40.24M | 34.07M | 48.62M |
| Basic Shares Outstanding | 7.76M | 7.77M | 7.96M | 8.03M | 8.14M | 8.38M |
| Diluted Shares Outstanding | 7.84M | 7.85M | 8.01M | 8.06M | 8.19M | 8.43M |
| EPS (Basic) | 5.73 | 5.93 | 4.58 | 5.01 | 4.19 | 5.80 |
| EPS (Diluted) | 5.67 | 5.87 | 4.55 | 4.99 | 4.16 | 5.77 |
| Dividend Per Share | 1.25 | 1.14 | 1.01 | 1.00 | 0.93 | 0.91 |
| Effective Tax Rate | 20.65% | 20.61% | 19.38% | 19.75% | 19.83% | 19.55% |
Balance sheet
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 179.05M | 141.60M | 98.55M | 75.83M | 87.40M | 601.44M |
| Investment Securities | 59.06M | 76.78M | 93.77M | 97.86M | 106.79M | 79.40M |
| Trading Asset Securities | 1.06M | 3.24M | 3.91M | 5.14M | 1.59M | |
| Mortgage-Backed Securities | 356.54M | 327.98M | 333.26M | 363.12M | 403.18M | 265.69M |
| Total Investments | 415.60M | 405.81M | 430.27M | 464.88M | 515.11M | 346.68M |
| Gross Loans | 2.77B | 2.75B | 2.72B | 2.59B | 2.44B | 1.85B |
| Allowance for Loan Losses | -34.43M | -33.14M | -32.92M | -31.54M | -29.30M | -21.09M |
| Other Adjustments to Gross Loans | -4.93M | -5.12M | -5.32M | -4.58M | -4.92M | |
| Net Loans | 2.74B | 2.71B | 2.69B | 2.55B | 2.40B | 1.82B |
| Property, Plant & Equipment | 51.47M | 58.05M | 52.60M | 53.02M | 52.58M | 48.80M |
| Goodwill | 81.52M | 81.52M | 81.52M | 81.52M | 58.49M | |
| Other Intangible Assets | 83.30M | 2.44M | 3.53M | 4.86M | 6.46M | 3.46M |
| Loans Held for Sale | 774.00K | 1.56M | 832.00K | 361.00K | 98.00K | 1.10M |
| Accrued Interest Receivable | 63.74M | 14.30M | 14.79M | 13.55M | 11.32M | 7.44M |
| Long-Term Deferred Tax Assets | 9.92M | 13.04M | 13.38M | 15.44M | 2.25M | |
| Other Real Estate Owned & Foreclosed | 11.57M | 1.93M | 2.01M | 1.57M | 461.00K | 1.19M |
| Other Long-Term Assets | 50.43M | 64.61M | 61.27M | 61.05M | 56.45M | 48.40M |
| Total Assets | 3.60B | 3.49B | 3.44B | 3.32B | 3.23B | 2.94B |
| Interest Bearing Deposits | 1.29B | 1.92B | 1.82B | 1.74B | 1.66B | 1.71B |
| Institutional Deposits | 933.70M | 256.86M | 228.39M | 190.73M | 69.44M | 63.22M |
| Non-Interest Bearing Deposits | 827.70M | 792.95M | 733.07M | 744.42M | 904.30M | 766.38M |
| Total Deposits | 3.05B | 2.97B | 2.78B | 2.67B | 2.63B | 2.54B |
| Short-Term Borrowings | 294.00K | 137.26M | 150.00M | 155.01M | 43.00K | |
| Current Portion of Long-Term Debt | 3.02M | |||||
| Current Portion of Leases | 1.30M | |||||
| Accrued Interest Payable | 33.31M | 12.50M | 14.91M | 12.42M | 14.74M | 8.36M |
| Long-Term Debt | 54.84M | 54.67M | 60.00M | 59.78M | 59.55M | 5.54M |
| Federal Home Loan Bank Debt, Long-Term | 38.33M | 42.71M | 21.21M | 26.05M | ||
| Long-Term Leases | 8.28M | 10.74M | 11.42M | 9.32M | 5.46M | |
| Pension & Post-Retirement Benefits | 3.02M | 2.95M | 3.13M | 3.22M | 3.23M | |
| Other Long-Term Liabilities | 1.62M | 1.62M | 2.70M | 2.59M | 2.09M | 1.81M |
| Total Liabilities | 3.14B | 3.06B | 3.05B | 2.95B | 2.90B | 2.59B |
| Common Stock | 79.00K | 78.00K | 81.00K | 81.00K | 83.00K | 85.00K |
| Additional Paid-In Capital | 172.36M | 168.96M | 168.14M | 165.82M | 164.94M | 164.98M |
| Retained Earnings | 309.68M | 284.83M | 259.19M | 234.62M | 206.30M | 188.51M |
| Comprehensive Income & Other | -29.02M | -18.78M | -31.32M | -33.08M | -41.37M | -1.68M |
| Shareholders' Equity | 453.10M | 435.09M | 396.09M | 367.44M | 329.95M | 351.90M |
| Total Liabilities & Equity | 3.60B | 3.49B | 3.44B | 3.32B | 3.23B | 2.94B |
| Total Debt | 54.84M | 67.58M | 246.32M | 263.92M | 245.10M | 37.09M |
| Net Cash (Debt) | 124.22M | 75.09M | -144.53M | -184.07M | -152.20M | 566.30M |
| Net Cash Per Share | 15.85 | 9.57 | -18.06 | -22.82 | -18.57 | 67.19 |
| Filing Date Shares Outstanding | 7.87M | 7.84M | 8.10M | 8.15M | 8.29M | 8.48M |
| Total Common Shares Outstanding | 7.87M | 7.83M | 8.09M | 8.16M | 8.29M | 8.53M |
| Book Value Per Share | 57.55 | 55.56 | 48.95 | 45.04 | 39.82 | 41.27 |
| Tangible Book Value | 369.79M | 351.14M | 311.04M | 281.07M | 241.98M | 289.95M |
| Tangible Book Value Per Share | 46.97 | 44.84 | 38.44 | 34.45 | 29.20 | 34.00 |
Cash flow statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 46.06M | 36.43M | 40.24M | 34.07M | 48.62M | |
| Depreciation & Amortization | 5.71M | 6.57M | 7.25M | 7.54M | 4.25M | |
| Other Amortization | 216.00K | 218.00K | 228.00K | 120.00K | ||
| Gain (Loss) on Sale of Assets | -3.00K | -33.00K | 27.00K | -26.00K | 504.00K | |
| Gain (Loss) on Sale of Investments | 366.00K | 281.00K | 623.00K | 1.01M | 1.87M | |
| Total Asset Writedown | 2.36M | |||||
| Provision for Credit Losses | 1.13M | 2.42M | 2.34M | 7.49M | -10.16M | |
| Net Decrease (Increase) in Loans Originated / Sold - Operating | -175.00K | -115.00K | -98.00K | 1.67M | 10.97M | |
| Accrued Interest Receivable | 4.63M | 527.00K | -8.02M | -10.43M | -2.66M | |
| Change in Other Net Operating Assets | -1.14M | -1.10M | -1.04M | -915.00K | -886.00K | |
| Other Operating Activities | -1.57M | -435.00K | -139.00K | -935.00K | 2.53M | |
| Operating Cash Flow | 54.51M | 48.73M | 41.36M | 51.20M | 55.72M | |
| Capital Expenditures | -10.17M | -4.06M | -2.02M | -2.71M | -2.47M | |
| Sale of Property, Plant and Equipment | 187.00K | 248.00K | 4.00K | 82.00K | 414.00K | |
| Cash Acquisitions | -16.12M | |||||
| Investment in Securities | 28.74M | 33.37M | 63.57M | -179.58M | -81.03M | |
| Divestitures | -11.18M | |||||
| Net Decrease (Increase) in Loans Originated / Sold - Investing | -30.66M | -141.75M | -154.67M | -279.45M | 133.81M | |
| Other Investing Activities | 9.03M | 5.08M | -1.14M | -6.40M | 4.21M | |
| Investing Cash Flow | -2.88M | -107.11M | -94.25M | -495.35M | 54.93M | |
| Long-Term Debt Issued | 3.60B | 1.07B | 17.42B | 208.89M | ||
| Long-Term Debt Repaid | -3.78B | -1.09B | -17.40B | -4.85M | -2.80M | |
| Net Debt Issued (Repaid) | -178.06M | -17.17M | 16.50M | 204.04M | -2.80M | |
| Issuance of Common Stock | 727.00K | 1.02M | 431.00K | 699.00K | 383.00K | |
| Repurchase of Common Stock | -14.36M | -4.77M | -5.26M | -11.33M | -8.90M | |
| Common Dividends Paid | -8.99M | -8.19M | -8.22M | -7.78M | -7.87M | |
| Net Increase (Decrease) in Deposit Accounts | 192.10M | 110.21M | 37.88M | -255.52M | 322.03M | |
| Financing Cash Flow | -8.57M | 81.09M | 41.33M | -69.89M | 302.85M | |
| Net Cash Flow | 43.06M | 22.72M | -11.57M | -514.04M | 413.49M | |
| Free Cash Flow | 44.34M | 44.67M | 39.33M | 48.49M | 53.24M | |
| Free Cash Flow Margin | 29.83% | 33.75% | 29.69% | 39.06% | 41.91% | |
| Free Cash Flow Per Share | 5.65 | 5.58 | 4.88 | 5.92 | 6.32 | |
| Cash Interest Paid | 61.64M | 62.10M | 41.88M | 7.74M | 6.22M | |
| Cash Income Tax Paid | 13.37M | 6.49M | 12.63M | 6.54M | 12.00M |
Ratios
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 479.59M | 452.47M | 373.20M | 342.29M | 331.51M | 353.81M |
| Last Close Price | 60.61 | 56.98 | 44.56 | 39.52 | 36.59 | 37.05 |
| PE Ratio | 10.74 | 9.82 | 10.24 | 8.51 | 9.73 | 7.28 |
| PS Ratio | 3.12 | 3.04 | 2.82 | 2.58 | 2.67 | 2.79 |
| PB Ratio | 1.05 | 1.04 | 0.94 | 0.93 | 1.00 | 1.00 |
| P/FCF Ratio | 9.27 | 10.20 | 8.35 | 8.70 | 6.84 | 6.64 |
| P/OCF Ratio | 7.79 | 8.30 | 7.66 | 8.28 | 6.47 | 6.35 |
| Debt / Equity Ratio | 0.12 | 0.15 | 0.62 | 0.72 | 0.74 | 0.10 |
| Debt / FCF Ratio | 1.52 | 5.51 | 6.71 | 5.05 | 0.70 | |
| Net Debt / Equity Ratio | -0.27 | -0.17 | 0.36 | 0.50 | 0.46 | -1.61 |
| Net Debt / FCF Ratio | -1.69 | 3.23 | 4.68 | 3.14 | -10.64 | |
| Return on Equity (ROE) | 10.15% | 11.08% | 9.54% | 11.54% | 9.99% | 14.43% |
| Return on Assets (ROA) | 1.26% | 1.33% | 1.08% | 1.23% | 1.10% | 1.76% |
| Earnings Yield | 9.31% | 10.18% | 9.76% | 11.76% | 10.28% | 13.74% |
| FCF Yield | 10.79% | 9.80% | 11.97% | 11.49% | 14.63% | 15.05% |
| Dividend Yield | 2.10% | 1.97% | 2.19% | 2.38% | 2.33% | 2.19% |
| Payout Ratio | 22.22% | 19.51% | 22.48% | 20.43% | 22.82% | 16.18% |
| Buyback Yield / Dilution | 0.74% | 1.99% | 0.74% | 1.57% | 2.78% | 3.17% |
| Total Shareholder Return | 2.85% | 3.96% | 2.93% | 3.96% | 5.10% | 5.36% |