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Home Bancorp, Inc. operates as the bank holding company for Home Bank, National Association that provides various banking products and services for individuals and businesses in Louisiana, Mississippi, and Texas, the United States. The company offers deposit products, including interest-bearing and noninterest-bearing checking, money market, savings, NOW, and certificates of deposit accounts; custodial accounts; health savings and individual retirement accounts; and statement savings. It also provides various loan products comprising one-to four-family first mortgage loans, home equity loans and lines, commercial real estate loans, construction and land loans, multi-family residential loans, commercial and industrial loans, and consumer loans; personal loans, including auto, savings and CD secured, unsecured, and credit builder loans; and business loans, such as business term and SBA loans. In addition, the company invests in loans and securities. Further, it offers debit and credit cards; account services; treasury management, such as online banking and bill pay, mobile banking, remote deposit capture, positive pay, and ACH positive pay services; merchant card services; and payroll cards. Home Bancorp, Inc. was founded in 1908 and is headquartered in Lafayette, Louisiana.
5-year financial trends. Figures in USD millions.
Latest fiscal year: 2025
Year-by-year revenue, profitability, and cash flow (USD millions, last 10 years)
| Year | Revenue | EBITDA | Net Profit | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|
| 2025 | $149M | - | $46M | $44M | 10.6% | 10.3% | 26.5% |
| 2024 | $135M | - | $36M | $45M | 9.2% | -0.3% | -9.5% |
| 2023 | $135M | - | $40M | $39M | 11.0% | 2.6% | 18.1% |
| 2022 | $132M | - | $34M | $48M | 10.3% | - | - |
Income statement, balance sheet, and cash flow as reported
Consolidated Figures in USD Millions.
| Metric | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total Revenue | 131.90 | 135.33 | 134.89 | 148.72 |
| Pretax Income | 42.50 | 50.15 | 45.18 | 58.02 |
| Tax Provision | 8.43 | 9.91 | 8.76 | 11.96 |
| Net Income | 34.07 | 40.24 | 36.43 | 46.06 |
| Net Income Common Stockholders | 34.07 | 40.24 | 36.43 | 46.06 |
| Interest Expense | 7.92 | 42.97 | 64.50 | 60.52 |
| Interest Income | 125.93 | 163.66 | 184.77 | 193.77 |
| Selling General And Administration | 50.01 | 51.08 | 53.33 | 55.44 |
| Normalized Income | 34.05 | 40.26 | 36.40 | 46.06 |
| Basic EPS | 4.19 | 5.01 | 4.58 | 5.93 |
| Diluted EPS | 4.16 | 4.99 | 4.55 | 5.87 |
| Tax Effect Of Unusual Items | 0.01 | -0.01 | 0.01 | 0 |
| Tax Rate For Calcs | 0.20 | 0.20 | 0.19 | 0.21 |
| Total Unusual Items | 0.03 | -0.03 | 0.03 | 0 |
| Total Unusual Items Excluding Goodwill | 0.03 | -0.03 | 0.03 | 0 |
| Net Income From Continuing Operation Net Minority Interest | 34.07 | 40.24 | 36.43 | 46.06 |
| Reconciled Depreciation | 3.46 | 3.57 | 3.50 | 3.31 |
| Net Interest Income | 118.02 | 120.69 | 120.26 | 133.25 |
| Net Income From Continuing And Discontinued Operation | 34.07 | 40.24 | 36.43 | 46.06 |
| Diluted Average Shares | 8.19 | 8.07 | 8 | 7.85 |
| Basic Average Shares | 8.14 | 8.03 | 7.96 | 7.77 |
| Diluted NI Availto Com Stockholders | 34.07 | 40.24 | 36.43 | 46.06 |
| Net Income Including Noncontrolling Interests | 34.07 | 40.24 | 36.43 | 46.06 |
| Net Income Continuous Operations | 34.07 | 40.24 | 36.43 | 46.06 |
| Gain On Sale Of Security | 0 | -0.25 | 0 | 0 |
| Depreciation Amortization Depletion Income Statement | 1.60 | 1.60 | 1.33 | 1.09 |
| Depreciation And Amortization In Income Statement | 1.60 | 1.60 | 1.33 | 1.09 |
| Amortization | 1.60 | 1.60 | 1.33 | 1.09 |
| Amortization Of Intangibles Income Statement | 1.60 | 1.60 | 1.33 | 1.09 |
| Selling And Marketing Expense | 2.26 | 2.15 | 2 | 1.97 |
| General And Administrative Expense | 47.75 | 48.93 | 51.33 | 53.48 |
| Other Gand A | 0 | 0 | 0 | 0 |
| Salaries And Wages | 47.75 | 48.93 | 51.33 | 53.48 |
| Operating Revenue | 131.90 | 135.33 | 134.89 | 148.72 |
| Occupancy And Equipment | 8.71 | 9.67 | 10.13 | 10.02 |
| Professional Expense And Contract Services Expense | 1.74 | 1.69 | 1.92 | 1.61 |
| Other Non Interest Expense | 19.56 | 18.30 | 20.47 | 22.48 |
Financial Services sector peers, ranked by market cap
| Company | Ticker | Market Cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|---|
| Home Bancorp, Inc.this co. | HBCP | - | - | - | 10.6% | - |
| Silvercrest Asset Management Group Inc. | SAMG | $107M | 23.59 | 2.04 | 5.8% | 9.86 |
| Sound Financial Bancorp, Inc. | SFBC | $98M | 14.04 | 0.96 | 6.5% | - |
| Kestrel Group Ltd | KG | $89M | 1.12 | 0.58 | 36.4% | - |
| Vroom, Inc. | VRM | $80M | - |
| 0.69 |
| -45.5% |
| 57.65 |
| Siebert Financial Corp. | SIEB | $72M | 13.46 | 0.79 | 5.7% | - |
| eHealth, Inc. | EHTH | $62M | - | 0.10 | 6.8% | 7.11 |
| MarketWise, Inc. | MKTW | $47M | 7.64 | -3.69 | -2.6% | -3.48 |
| GoHealth, Inc. | GOCO | $31M | - | 0.45 | 4834.1% | -7.69 |
| Peer Median | - | 13.46 | 0.63 | 6.1% | 7.11 | |