HOME BANCORP, INC. HBCP
General. Home Bancorp, Inc. (the "Company") is a Louisiana corporation and the holding company for Home Bank, N.A. (the "Bank"). The Bank, which is headquartered in Lafayette, Louisiana and is a wholly-owned subsidiary of the Company, currently conducts business through 43 banking offices in the Acadiana, Baton Rouge, Greater New Orleans and Northshore (of Lake Pontchartrain) regions of south Louisiana, the Natchez region of west Mississippi and the Houston region of Texas.
The Company is subject to regulation as a bank holding company by the Board of Governors of the Federal Reserve System (the "FRB" or the "Federal Reserve"). The Bank established HB Investment Fund I, LLC and HB Investment Fund II, LLC, wholly-owned subsidiaries of the Bank to invest in New Markets Tax Credits ("NMTC") and Federal Tax Credits ("FTC") in our market areas. HB Investment Fund I, LLC was dissolved in October 2025 due to the conclusion of the NMTC compliance period for this subsidiary.
Valuation FY2025 figures against the last close
Annual financial statements
Income statement
| Fiscal year | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $193.8M | $184.8M | $163.7M | $125.9M | $106.9M | $104.1M | $102.2M | $102.3M | $74.4M | $67.7M |
| Interest expense | $133.3M | $120.3M | $120.7M | $118.0M | $5.9M | $11.9M | $16.2M | $10.3M | $6.5M | $5.3M |
| Pre-tax income | $58.0M | $45.2M | $50.1M | $42.5M | $60.4M | $30.8M | $33.8M | $38.3M | $29.3M | $23.6M |
| Income tax | $12.0M | $8.8M | $9.9M | $8.4M | $11.8M | $6.0M | $5.9M | $6.7M | $12.5M | $7.6M |
| Net income | $46.1M | $36.4M | $40.2M | $34.1M | $48.6M | $24.8M | $27.9M | $31.6M | $16.8M | $16.0M |
| 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 |
| Shares, diluted (wtd. avg.) | $7.8M | $8.0M | $8.1M | $8.2M | $8.4M | $8.7M | $9.1M | $9.3M | $7.4M | $7.1M |
Balance sheet
| Fiscal year | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash and equivalents | $141.6M | $98.5M | $75.8M | $87.4M | $601.4M | $188.0M | $39.8M | $59.6M | $150.4M | $29.3M |
| Property, plant and equipment | $49.0M | $42.3M | $42.0M | $43.6M | $43.5M | $45.5M | $46.4M | $47.1M | $45.6M | $39.6M |
| Goodwill | $81.5M | $81.5M | $81.5M | $81.5M | $58.5M | $58.5M | $58.5M | $58.5M | $58.6M | $9.4M |
| Other intangibles | $2.4M | $3.5M | $4.9M | $6.5M | $3.5M | $4.6M | $6.0M | $7.6M | $9.4M | $3.4M |
| 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 |
| Retained earnings | $284.8M | $259.2M | $234.6M | $206.3M | $188.5M | $154.3M | $150.2M | $141.4M | $117.3M | $104.6M |
| Total equity | $435.1M | $396.1M | $367.4M | $330.0M | $351.9M | $321.8M | $316.3M | $304.0M | $277.9M | $179.8M |
Cash flow
| Fiscal year | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $54.5M | $48.7M | $41.4M | $51.2M | $55.7M | $49.0M | $43.9M | $47.1M | $24.8M | $20.5M |
| Depreciation and amortisation | $3.3M | $3.5M | $3.6M | $3.5M | $3.1M | $3.1M | $2.9M | $2.5M | $2.0M | $1.8M |
| Stock-based compensation | $3.4M | $2.8M | $2.4M | $2.4M | $2.4M | $2.0M | $2.4M | $2.5M | $2.1M | $1.6M |
| Capital expenditure | $10.2M | $4.1M | $2.0M | $2.7M | $2.5M | $2.1M | $3.8M | $5.0M | $1.9M | $4.1M |
| Investing cash flow | -$2.9M | -$107.1M | -$94.3M | -$495.4M | $54.9M | -$260.0M | -$72.3M | -$24.7M | $78.7M | -$11.5M |
| Financing cash flow | -$8.6M | $81.1M | $41.3M | -$69.9M | $302.8M | $359.1M | $8.6M | -$113.2M | $17.7M | -$4.5M |
| Dividends paid | $9.0M | $8.2M | $8.2M | $7.8M | $7.9M | $7.9M | $7.9M | $6.7M | $4.1M | $3.0M |
| Buybacks | $14.4M | $4.8M | $5.3M | $11.3M | $8.9M | $14.0M | $15.4M | $1.2M | $70.0K | $357.0K |
Figures as tagged in each year's own filing, in US dollars. A year restated by a later filing shows the restated figure. Capital expenditure, dividends and buybacks are cash out, shown positive. A line the filer does not report is not listed. Latest from accession 0001628280-26-015669.
Others in SIC 6036
| Ticker | Company | Market cap | P/E | Revenue growth |
|---|---|---|---|---|
| FLG | FLAGSTAR BANK, NATIONAL ASSOCIATION | $5.61B | — | -25.0% |
| BBT | Beacon Financial Corp | $2.67B | 31.0x | 81.1% |
| HFWA | HERITAGE FINANCIAL CORP /WA/ | $1.20B | 14.9x | 1.5% |
| NBBK | NB Bancorp, Inc. | $1.01B | 17.3x | 14.8% |
| SMBC | SOUTHERN MISSOURI BANCORP, INC. | $817.0M | 14.3x | 11.7% |
| TCBX | Third Coast Bancshares, Inc. | $767.0M | 12.2x | — |
| GCBC | GREENE COUNTY BANCORP INC | $607.0M | 19.5x | 13.5% |
| PBFS | Pioneer Bancorp, Inc./MD | $460.6M | 22.3x | 5.8% |