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Home Bancorp (HBCP) Financials

Home Bancorp logo
$55.82 -0.24 (-0.43%)
Closing price 04:00 PM Eastern
Extended Trading
$55.88 +0.05 (+0.10%)
As of 04:10 PM Eastern
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Annual Income Statements for Home Bancorp

Annual Income Statements for Home Bancorp

This table shows Home Bancorp's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2022 2023 2024
Period end date 12/31/2022 12/31/2023 12/31/2024
Net Income / (Loss) Attributable to Common Shareholders		 34 40 36
Consolidated Net Income / (Loss)		 34 40 36
Net Income / (Loss) Continuing Operations		 34 40 36
Total Pre-Tax Income 		43 50 45
Total Revenue		 132 135 135
Net Interest Income / (Expense)		 118 121 120
Total Interest Income		 126 164 185
Loans and Leases Interest Income		 113 149 170
Investment Securities Interest Income		 10 12 11
Other Interest Income		 3.14 2.42 3.60
Total Interest Expense		 7.92 43 65
Deposits Interest Expense		 5.22 28 53
Short-Term Borrowings Interest Expense		 0.36 11 0.96
Long-Term Debt Interest Expense		 2.34 4.74 11
Total Non-Interest Income		 14 15 15
Other Service Charges		 12 13 13
Net Realized & Unrealized Capital Gains on Investments		 0.69 0.54 0.50
Other Non-Interest Income		 0.92 1.05 1.10
Provision for Credit Losses		 7.49 2.34 2.42
Total Non-Interest Expense		 82 83 87
Salaries and Employee Benefits		 48 49 51
Net Occupancy & Equipment Expense		 18 19 20
Marketing Expense		 2.26 2.15 2.00
Other Operating Expenses		 12 11 12
Amortization Expense		 1.60 1.60 1.33
Income Tax Expense		 8.43 9.91 8.76
Basic Earnings per Share		 $4.19 $5.02 $4.58
Weighted Average Basic Shares Outstanding		 8.29M 8.15M 8.10M
Diluted Earnings per Share		 $4.16 $4.99 $4.55
Weighted Average Diluted Shares Outstanding		 8.29M 8.15M 8.10M
Weighted Average Basic & Diluted Shares Outstanding		 8.29M 8.15M 8.10M
Cash Dividends to Common per Share		 $0.93 $1.00 $1.01

Quarterly Income Statements for Home Bancorp

This table shows Home Bancorp's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024
Net Income / (Loss) Attributable to Common Shareholders		 10 11 11 9.78 9.75 9.39 9.20 8.12 9.44 9.67
Consolidated Net Income / (Loss)		 10 11 11 9.78 9.75 9.39 9.20 8.12 9.44 9.67
Net Income / (Loss) Continuing Operations		 10 11 11 9.78 9.75 9.39 9.20 8.12 9.44 9.67
Total Pre-Tax Income 		13 13 14 12 12 11 11 10 12 12
Total Revenue		 35 37 35 34 34 33 32 33 34 35
Net Interest Income / (Expense)		 32 33 32 30 30 29 29 29 30 32
Total Interest Income		 34 37 38 40 42 43 44 45 47 48
Loans and Leases Interest Income		 30 33 34 37 38 40 41 42 44 44
Investment Securities Interest Income		 2.96 3.21 3.14 2.99 2.94 2.84 2.79 2.74 2.68 2.70
Other Interest Income		 1.45 0.56 0.48 0.56 0.65 0.74 0.77 0.72 0.99 1.12
Total Interest Expense		 2.29 3.31 6.52 9.77 13 14 15 16 17 16
Deposits Interest Expense		 1.27 1.95 3.24 5.55 8.18 11 12 13 14 14
Short-Term Borrowings Interest Expense		 0.00 0.36 2.26 2.97 3.15 2.35 0.44 0.11 0.25 0.17
Long-Term Debt Interest Expense		 1.02 1.00 1.02 1.25 1.24 1.24 2.66 2.82 2.84 2.45
Total Non-Interest Income		 3.47 3.34 3.31 3.45 4.40 3.48 3.55 3.76 3.69 3.63
Other Service Charges		 3.15 3.05 3.27 3.17 3.45 3.17 3.19 3.36 3.23 3.25
Net Realized & Unrealized Capital Gains on Investments		 0.10 0.03 -0.21 0.02 0.69 0.04 0.09 0.12 0.19 0.10
Other Non-Interest Income		 0.23 0.26 0.25 0.26 0.27 0.27 0.27 0.27 0.28 0.28
Provision for Credit Losses		 1.70 1.99 0.81 0.51 0.35 0.67 0.14 1.26 0.14 0.87
Total Non-Interest Expense		 21 21 20 21 21 21 21 22 22 22
Salaries and Employee Benefits		 12 13 12 13 12 11 12 13 13 13
Net Occupancy & Equipment Expense		 4.58 4.56 4.67 4.58 4.91 4.89 4.97 5.16 5.38 4.87
Marketing Expense		 0.66 0.55 0.31 0.44 0.64 0.76 0.47 0.49 0.38 0.67
Other Operating Expenses		 2.90 2.75 2.08 2.95 2.91 3.18 2.91 3.05 3.11 3.19
Amortization Expense		 0.45 0.44 0.45 0.39 0.39 0.38 0.35 0.33 0.33 0.32
Income Tax Expense		 2.60 2.68 2.83 2.50 2.47 2.11 2.24 1.96 2.24 2.31
Basic Earnings per Share		 $1.29 $1.33 $1.40 $1.22 $1.22 $1.18 $1.15 $1.02 $1.19 $1.22
Weighted Average Basic Shares Outstanding		 8.28M 8.29M 8.25M 8.20M 8.15M 8.15M 8.13M 8.07M 8.08M 8.10M
Diluted Earnings per Share		 $1.28 $1.32 $1.39 $1.21 $1.22 $1.17 $1.14 $1.02 $1.18 $1.21
Weighted Average Diluted Shares Outstanding		 8.28M 8.29M 8.25M 8.20M 8.15M 8.15M 8.13M 8.07M 8.08M 8.10M
Weighted Average Basic & Diluted Shares Outstanding		 8.28M 8.29M 8.25M 8.20M 8.15M 8.15M 8.13M 8.07M 8.08M 8.10M
Cash Dividends to Common per Share		 $0.23 $0.24 $0.25 $0.25 $0.25 $0.25 $0.25 $0.25 $0.25 $0.26

Annual Cash Flow Statements for Home Bancorp

This table details how cash moves in and out of Home Bancorp's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2022 2023 2024
Period end date 12/31/2022 12/31/2023 12/31/2024
Net Change in Cash & Equivalents		 -514 -12 23
Net Cash From Operating Activities		 51 41 49
Net Cash From Continuing Operating Activities		 51 41 49
Net Income / (Loss) Continuing Operations		 34 40 36
Consolidated Net Income / (Loss)		 34 40 36
Provision For Loan Losses		 7.49 2.34 2.42
Depreciation Expense		 3.46 3.57 3.50
Amortization Expense		 5.21 4.28 3.57
Non-Cash Adjustments to Reconcile Net Income		 1.62 0.66 1.00
Changes in Operating Assets and Liabilities, net		 -0.66 -9.74 1.82
Net Cash From Investing Activities		 -495 -94 -107
Net Cash From Continuing Investing Activities		 -495 -94 -107
Purchase of Property, Leasehold Improvements and Equipment		 -2.71 -2.02 -4.06
Purchase of Investment Securities		 -543 -160 -157
Sale of Property, Leasehold Improvements and Equipment		 0.08 0.00 0.25
Sale and/or Maturity of Investments		 62 68 53
Other Investing Activities, net		 -11 0.00 0.00
Net Cash From Financing Activities		 -70 41 81
Net Cash From Continuing Financing Activities		 -70 41 81
Net Change in Deposits		 -256 38 110
Issuance of Debt		 209 17,421 1,073
Issuance of Common Equity		 0.32 0.33 0.89
Repayment of Debt		 -4.85 -17,404 -1,090
Repurchase of Common Equity		 -11 -5.26 -4.77
Payment of Dividends		 -7.78 -8.22 -8.19
Other Financing Activities, Net		 0.38 0.10 0.13
Cash Interest Paid		 7.74 42 62
Cash Income Taxes Paid		 6.54 13 6.52

Quarterly Cash Flow Statements for Home Bancorp

This table details how cash moves in and out of Home Bancorp's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024
Net Change in Cash & Equivalents		 -294 -63 20 -10 -12 -8.69 15 23 22 -37
Net Cash From Operating Activities		 17 15 9.80 8.28 13 10 10 15 18 5.83
Net Cash From Continuing Operating Activities		 17 15 9.80 8.28 13 10 10 15 18 5.83
Net Income / (Loss) Continuing Operations		 10 11 11 9.78 9.75 9.39 9.20 8.12 9.44 9.67
Consolidated Net Income / (Loss)		 10 11 11 9.78 9.75 9.39 9.20 8.12 9.44 9.67
Provision For Loan Losses		 1.70 1.99 0.81 0.51 0.35 0.67 0.14 1.26 0.14 0.87
Depreciation Expense		 0.90 0.93 0.89 0.88 0.88 0.91 0.89 0.87 0.92 0.82
Amortization Expense		 1.41 1.26 1.17 1.06 1.04 1.01 0.93 0.89 0.90 0.85
Non-Cash Adjustments to Reconcile Net Income		 1.41 0.09 0.14 0.37 -0.24 0.39 0.05 1.10 -0.31 0.16
Changes in Operating Assets and Liabilities, net		 1.15 -0.52 -4.54 -4.33 1.31 -2.18 -0.88 2.73 6.52 -6.55
Net Cash From Investing Activities		 -123 -122 -13 -36 -47 1.29 -26 -32 -2.08 -47
Net Cash From Continuing Investing Activities		 -123 -122 -13 -36 -47 1.29 -26 -32 -2.08 -47
Purchase of Property, Leasehold Improvements and Equipment		 -0.63 -0.80 -0.20 -0.94 -0.38 -0.50 -1.25 -1.62 -0.64 -0.55
Purchase of Investment Securities		 -136 -135 -40 -46 -58 -15 -41 -42 -13 -62
Sale of Property, Leasehold Improvements and Equipment		 0.04 0.01 0.00 - - - 0.01 - 0.15 0.10
Sale and/or Maturity of Investments		 14 13 28 11 12 17 16 11 11 15
Net Cash From Financing Activities		 -188 45 23 17 21 -20 30 40 6.89 3.89
Net Cash From Continuing Financing Activities		 -188 45 23 17 21 -20 30 40 6.89 3.89
Net Change in Deposits		 -182 -105 -75 -5.90 46 73 52 0.38 55 3.21
Issuance of Debt		 -1.10 155 6,261 6,461 2,974 1,725 625 169 136 142
Repayment of Debt		 -0.50 -3.61 -6,161 -6,432 -2,995 -1,816 -645 -124 -181 -140
Repurchase of Common Equity		 -2.61 -0.30 -0.34 -3.15 -1.23 -0.54 -0.83 -2.84 -1.02 -0.09
Payment of Dividends		 -1.91 -1.99 -2.07 -2.06 -2.05 -2.04 -2.04 -2.03 -2.02 -2.10
Other Financing Activities, Net		 -0.09 0.19 0.10 -0.06 0.09 -0.02 -0.00 -0.14 0.43 -0.16
Cash Interest Paid		 - - 5.49 9.80 11 16 14 15 17 16

Annual Balance Sheets for Home Bancorp

This table presents Home Bancorp's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2022 2023 2024
Period end date 12/31/2022 12/31/2023 12/31/2024
Total Assets		 3,228 3,320 3,444
Cash and Due from Banks		 87 76 99
Interest Bearing Deposits at Other Banks		 0.35 0.10 0.00
Trading Account Securities		 488 435 404
Loans and Leases, Net of Allowance		 2,401 2,550 2,685
Loans and Leases		 2,431 2,582 2,718
Allowance for Loan and Lease Losses		 29 32 33
Loans Held for Sale		 0.10 0.36 0.83
Premises and Equipment, Net		 44 42 42
Intangible Assets		 88 86 85
Other Assets		 120 130 128
Total Liabilities & Shareholders' Equity		 3,228 3,320 3,444
Total Liabilities		 2,898 2,953 3,048
Non-Interest Bearing Deposits		 904 744 733
Interest Bearing Deposits		 1,729 1,926 2,048
Short-Term Debt		 5.54 5.54 5.54
Other Short-Term Payables		 29 30 31
Long-Term Debt		 230 247 230
Total Equity & Noncontrolling Interests		 330 367 396
Total Preferred & Common Equity		 330 367 396
Preferred Stock		 0.00 0.00 0.00
Total Common Equity		 330 367 396
Common Stock		 165 166 168
Retained Earnings		 206 235 259
Accumulated Other Comprehensive Income / (Loss)		 -39 -31 -30
Other Equity Adjustments		 -2.05 -1.70 -1.34

Quarterly Balance Sheets for Home Bancorp

This table presents Home Bancorp's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024
Period end date 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024
Total Assets		 3,168 3,267 3,290 3,318 3,358 3,411 3,442
Cash and Due from Banks		 151 107 97 85 90 113 136
Interest Bearing Deposits at Other Banks		 0.35 0.35 0.10 0.10 0.00 0.00 0.00
Trading Account Securities		 494 468 450 428 423 414 422
Loans and Leases, Net of Allowance		 2,276 2,436 2,480 2,538 2,590 2,629 2,636
Loans and Leases		 2,303 2,466 2,511 2,569 2,622 2,661 2,668
Allowance for Loan and Lease Losses		 27 30 31 31 31 32 32
Loans Held for Sale		 0.17 0.47 0.54 0.47 0.65 0.00 0.24
Premises and Equipment, Net		 44 43 43 42 42 43 43
Intangible Assets		 88 88 87 87 86 86 85
Other Assets		 115 2,561 132 137 125 126 120
Total Liabilities & Shareholders' Equity		 3,168 3,267 3,290 3,318 3,358 3,411 3,442
Total Liabilities		 2,851 2,922 2,944 2,972 2,985 3,035 3,049
Non-Interest Bearing Deposits		 921 855 817 785 742 747 741
Interest Bearing Deposits		 1,817 1,703 1,735 1,812 1,980 1,976 2,037
Short-Term Debt		 5.54 - 5.54 5.54 141 141 141
Other Short-Term Payables		 28 - 27 31 29 34 38
Long-Term Debt		 79 336 359 338 93 138 93
Total Equity & Noncontrolling Interests		 317 345 346 345 372 376 393
Total Preferred & Common Equity		 317 345 346 345 372 376 393
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 317 345 346 345 372 376 393
Common Stock		 164 166 165 165 166 166 167
Retained Earnings		 198 215 221 228 241 245 252
Accumulated Other Comprehensive Income / (Loss)		 -43 -34 -38 -46 -34 -34 -24
Other Equity Adjustments		 -2.14 -1.97 -1.88 -1.79 -1.61 -1.52 -1.43

Annual Metrics And Ratios for Home Bancorp

This table displays calculated financial ratios and metrics derived from Home Bancorp's official financial filings.

Metric 2022 2023 2024
Period end date 12/31/2022 12/31/2023 12/31/2024
Growth Metrics		 - - -
Revenue Growth		 12.49% 2.60% -0.33%
EBITDA Growth		 -25.75% 13.34% -9.91%
EBIT Growth		 -29.68% 17.99% -9.90%
NOPAT Growth		 -29.92% 18.10% -9.48%
Net Income Growth		 -29.92% 18.10% -9.48%
EPS Growth		 -27.90% 19.95% -8.82%
Operating Cash Flow Growth		 -8.11% -19.23% 17.83%
Free Cash Flow Firm Growth		 -794.34% 90.57% 276.94%
Invested Capital Growth		 47.52% 9.58% 1.89%
Revenue Q/Q Growth		 6.84% -2.78% 1.85%
EBITDA Q/Q Growth		 1.77% -3.70% 0.47%
EBIT Q/Q Growth		 1.53% -3.77% 1.11%
NOPAT Q/Q Growth		 1.60% -3.34% 0.80%
Net Income Q/Q Growth		 1.60% -3.34% 0.80%
EPS Q/Q Growth		 2.21% -2.92% 0.89%
Operating Cash Flow Q/Q Growth		 5.63% -9.49% -8.20%
Free Cash Flow Firm Q/Q Growth		 -1,806.31% 94.32% -74.82%
Invested Capital Q/Q Growth		 41.09% -10.01% 0.77%
Profitability Metrics		 - - -
EBITDA Margin		 38.80% 42.86% 38.74%
EBIT Margin		 32.22% 37.06% 33.50%
Profit (Net Income) Margin		 25.83% 29.74% 27.01%
Tax Burden Percent		 80.17% 80.25% 80.62%
Interest Burden Percent		 100.00% 100.00% 100.00%
Effective Tax Rate		 19.83% 19.75% 19.38%
Return on Invested Capital (ROIC)		 7.18% 6.79% 5.82%
ROIC Less NNEP Spread (ROIC-NNEP)		 7.18% 6.79% 5.82%
Return on Net Nonoperating Assets (RNNOA)		 2.81% 4.75% 3.72%
Return on Equity (ROE)		 9.99% 11.54% 9.54%
Cash Return on Invested Capital (CROIC)		 -31.22% -2.36% 3.95%
Operating Return on Assets (OROA)		 1.38% 1.53% 1.34%
Return on Assets (ROA)		 1.11% 1.23% 1.08%
Return on Common Equity (ROCE)		 9.99% 11.54% 9.54%
Return on Equity Simple (ROE_SIMPLE)		 10.33% 10.95% 9.20%
Net Operating Profit after Tax (NOPAT)		 34 40 36
NOPAT Margin		 25.83% 29.74% 27.01%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 51.58% 51.82% 54.64%
Operating Expenses to Revenue		 62.10% 61.22% 64.71%
Earnings before Interest and Taxes (EBIT)		 43 50 45
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 51 58 52
Valuation Ratios		 - - -
Price to Book Value (P/BV)		 0.95 0.90 0.94
Price to Tangible Book Value (P/TBV)		 1.29 1.18 1.19
Price to Revenue (P/Rev)		 2.37 2.45 2.75
Price to Earnings (P/E)		 9.18 8.26 10.19
Dividend Yield		 3.07% 2.45% 2.20%
Earnings Yield		 10.90% 12.11% 9.81%
Enterprise Value to Invested Capital (EV/IC)		 0.81 0.82 0.80
Enterprise Value to Revenue (EV/Rev)		 3.49 3.76 3.77
Enterprise Value to EBITDA (EV/EBITDA)		 9.00 8.77 9.73
Enterprise Value to EBIT (EV/EBIT)		 10.84 10.15 11.25
Enterprise Value to NOPAT (EV/NOPAT)		 13.52 12.64 13.95
Enterprise Value to Operating Cash Flow (EV/OCF)		 9.00 12.30 10.43
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 20.55
Leverage & Solvency		 - - -
Debt to Equity		 0.71 0.69 0.59
Long-Term Debt to Equity		 0.70 0.67 0.58
Financial Leverage		 0.39 0.70 0.64
Leverage Ratio		 9.04 9.39 8.86
Compound Leverage Factor		 9.04 9.39 8.86
Debt to Total Capital		 41.68% 40.73% 37.29%
Short-Term Debt to Total Capital		 0.98% 0.89% 0.88%
Long-Term Debt to Total Capital		 40.70% 39.84% 36.41%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00%
Common Equity to Total Capital		 58.33% 59.27% 62.71%
Debt to EBITDA		 4.61 4.35 4.51
Net Debt to EBITDA		 2.89 3.04 2.62
Long-Term Debt to EBITDA		 4.50 4.26 4.40
Debt to NOPAT		 6.92 6.27 6.47
Net Debt to NOPAT		 4.34 4.39 3.76
Long-Term Debt to NOPAT		 6.76 6.14 6.31
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00%
Liquidity Ratios		 - - -
Cash Flow Metrics		 - - -
Free Cash Flow to Firm (FCFF)		 -148 -14 25
Operating Cash Flow to CapEx		 1,951.18% 2,049.36% 1,279.36%
Free Cash Flow to Firm to Interest Expense		 -18.72 -0.33 0.38
Operating Cash Flow to Interest Expense		 6.47 0.96 0.76
Operating Cash Flow Less CapEx to Interest Expense		 6.14 0.92 0.70
Efficiency Ratios		 - - -
Asset Turnover		 0.04 0.04 0.04
Fixed Asset Turnover		 3.03 3.16 3.20
Capital & Investment Metrics		 - - -
Invested Capital		 566 620 632
Invested Capital Turnover		 0.28 0.23 0.22
Increase / (Decrease) in Invested Capital		 182 54 12
Enterprise Value (EV)		 461 509 508
Market Capitalization		 313 332 371
Book Value per Share		 $39.84 $45.10 $49.04
Tangible Book Value per Share		 $29.22 $34.50 $38.51
Total Capital		 566 620 632
Total Debt		 236 252 236
Total Long-Term Debt		 230 247 230
Net Debt		 148 177 137
Capital Expenditures (CapEx)		 2.62 2.02 3.81
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 236 252 236
Total Depreciation and Amortization (D&A)		 8.67 7.86 7.07
Earnings Adjustments		 - - -
Adjusted Basic Earnings per Share		 $4.19 $5.02 $4.58
Adjusted Weighted Average Basic Shares Outstanding		 8.29M 8.15M 8.10M
Adjusted Diluted Earnings per Share		 $4.16 $4.99 $4.55
Adjusted Weighted Average Diluted Shares Outstanding		 8.29M 8.15M 8.10M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 8.29M 8.15M 8.10M
Normalized Net Operating Profit after Tax (NOPAT)		 34 40 36
Normalized NOPAT Margin		 25.83% 29.74% 27.01%
Pre Tax Income Margin		 32.22% 37.06% 33.50%
Debt Service Ratios		 - - -
EBIT to Interest Expense		 5.37 1.17 0.70
NOPAT to Interest Expense		 4.30 0.94 0.56
EBIT Less CapEx to Interest Expense		 5.04 1.12 0.64
NOPAT Less CapEx to Interest Expense		 3.97 0.89 0.51
Payout Ratios		 - - -
Dividend Payout Ratio		 22.83% 20.43% 22.48%
Augmented Payout Ratio		 56.09% 33.50% 35.59%

Quarterly Metrics And Ratios for Home Bancorp

This table displays calculated financial ratios and metrics derived from Home Bancorp's official financial filings.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024
Growth Metrics		 - - - - - - - - - -
Revenue Growth		 9.02% 29.95% 29.78% 2.51% -4.35% -10.55% -7.04% -1.80% 0.49% 7.49%
EBITDA Growth		 -25.06% 6.03% 121.74% 10.50% -7.85% -14.24% -18.24% -16.78% -4.58% 1.83%
EBIT Growth		 -29.45% 5.01% 160.05% 16.20% -6.24% -14.61% -19.16% -17.95% -4.44% 4.32%
NOPAT Growth		 -30.71% 5.25% 157.21% 15.60% -6.52% -12.91% -18.74% -17.00% -3.25% 3.07%
Net Income Growth		 -30.71% 5.25% 157.21% 15.60% -6.52% -12.91% -18.74% -17.00% -3.25% 3.07%
EPS Growth		 -28.49% 7.32% 162.26% 17.48% -4.69% -11.36% -17.99% -15.70% -3.28% 3.42%
Operating Cash Flow Growth		 39.67% 23.16% 541.91% -54.40% -22.99% -29.86% 5.32% 80.88% 34.49% -42.75%
Free Cash Flow Firm Growth		 -34.10% -905.90% -14,545.53% -731.09% -1,829.40% 73.85% 128.17% 122.61% 125.71% 95.49%
Invested Capital Growth		 6.61% 47.52% 84.82% 71.80% 71.80% 9.58% -11.11% -8.00% -9.01% 1.89%
Revenue Q/Q Growth		 7.67% 3.31% -4.69% -3.30% 0.46% -3.39% -0.95% 2.15% 2.79% 3.35%
EBITDA Q/Q Growth		 19.14% 1.96% 3.70% -12.28% -0.64% -5.12% -1.13% -10.71% 13.93% 1.26%
EBIT Q/Q Growth		 23.28% 3.26% 5.16% -13.20% -0.53% -5.96% -0.44% -11.90% 15.84% 2.66%
NOPAT Q/Q Growth		 23.32% 3.28% 5.05% -13.60% -0.28% -3.78% -1.98% -11.75% 16.25% 2.50%
Net Income Q/Q Growth		 23.32% 3.28% 5.05% -13.60% -0.28% -3.78% -1.98% -11.75% 16.25% 2.50%
EPS Q/Q Growth		 24.27% 3.13% 5.30% -12.95% 0.83% -4.10% -2.56% -10.53% 15.69% 2.54%
Operating Cash Flow Q/Q Growth		 -6.34% -14.56% -32.51% -15.57% 58.18% -22.18% 1.34% 45.02% 17.61% -66.87%
Free Cash Flow Firm Q/Q Growth		 58.31% -1,089.26% -75.79% 4.64% 3.22% 83.88% 289.40% -23.47% 10.06% -102.83%
Invested Capital Q/Q Growth		 -3.12% 41.09% 20.46% 4.35% -3.12% -10.01% -2.29% 8.01% -4.19% 0.77%
Profitability Metrics		 - - - - - - - - - -
EBITDA Margin		 43.28% 42.71% 46.47% 42.16% 41.70% 40.95% 40.87% 35.72% 39.59% 38.79%
EBIT Margin		 36.76% 36.74% 40.54% 36.39% 36.04% 35.08% 35.26% 30.41% 34.27% 34.04%
Profit (Net Income) Margin		 29.43% 29.42% 32.43% 28.98% 28.77% 28.65% 28.35% 24.49% 27.70% 27.47%
Tax Burden Percent		 80.06% 80.08% 79.99% 79.62% 79.83% 81.67% 80.40% 80.54% 80.82% 80.70%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 19.94% 19.92% 20.01% 20.38% 20.17% 18.33% 19.60% 19.46% 19.18% 19.30%
Return on Invested Capital (ROIC)		 9.35% 8.18% 8.64% 7.25% 7.35% 6.54% 5.85% 4.75% 5.58% 5.92%
ROIC Less NNEP Spread (ROIC-NNEP)		 9.35% 8.18% 8.64% 7.25% 7.35% 6.54% 5.85% 4.75% 5.58% 5.92%
Return on Net Nonoperating Assets (RNNOA)		 1.65% 3.21% 4.65% 4.83% 4.75% 4.58% 4.65% 4.23% 4.35% 3.78%
Return on Equity (ROE)		 11.00% 11.38% 13.29% 12.08% 12.10% 11.12% 10.50% 8.97% 9.93% 9.71%
Cash Return on Invested Capital (CROIC)		 2.23% -31.22% -51.75% -45.31% -45.20% -2.36% 17.69% 13.67% 14.93% 3.95%
Operating Return on Assets (OROA)		 1.53% 1.57% 1.72% 1.54% 1.55% 1.45% 1.41% 1.20% 1.34% 1.36%
Return on Assets (ROA)		 1.23% 1.26% 1.38% 1.23% 1.23% 1.18% 1.14% 0.97% 1.09% 1.10%
Return on Common Equity (ROCE)		 11.00% 11.38% 13.29% 12.08% 12.10% 11.12% 10.50% 8.97% 9.93% 9.71%
Return on Equity Simple (ROE_SIMPLE)		 10.59% 0.00% 11.88% 12.22% 12.06% 0.00% 10.24% 9.70% 9.19% 0.00%
Net Operating Profit after Tax (NOPAT)		 10 11 11 9.78 9.75 9.39 9.20 8.12 9.44 9.67
NOPAT Margin		 29.43% 29.42% 32.43% 28.98% 28.77% 28.65% 28.35% 24.49% 27.70% 27.47%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 48.99% 49.11% 49.90% 52.21% 53.19% 52.05% 54.25% 55.60% 55.23% 53.53%
Operating Expenses to Revenue		 58.46% 57.83% 57.12% 62.09% 62.93% 62.89% 64.31% 65.79% 65.32% 63.48%
Earnings before Interest and Taxes (EBIT)		 13 13 14 12 12 11 11 10 12 12
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 15 16 16 14 14 13 13 12 13 14
Valuation Ratios		 - - - - - - - - - -
Price to Book Value (P/BV)		 0.97 0.95 0.76 0.77 0.73 0.90 0.83 0.86 0.91 0.94
Price to Tangible Book Value (P/TBV)		 1.34 1.29 1.02 1.02 0.98 1.18 1.08 1.11 1.16 1.19
Price to Revenue (P/Rev)		 2.49 2.37 1.88 1.88 1.82 2.45 2.32 2.45 2.70 2.75
Price to Earnings (P/E)		 9.16 9.18 6.41 6.26 6.08 8.26 8.09 8.87 9.90 10.19
Dividend Yield		 2.49% 3.07% 3.00% 3.74% 3.95% 2.45% 2.64% 2.51% 2.26% 2.20%
Earnings Yield		 10.92% 10.90% 15.60% 15.96% 16.46% 12.11% 12.36% 11.27% 10.10% 9.81%
Enterprise Value to Invested Capital (EV/IC)		 0.60 0.81 0.72 0.75 0.74 0.82 0.75 0.75 0.73 0.80
Enterprise Value to Revenue (EV/Rev)		 1.95 3.49 3.51 3.79 3.68 3.76 3.40 3.69 3.44 3.77
Enterprise Value to EBITDA (EV/EBITDA)		 4.78 9.00 8.18 8.68 8.50 8.77 8.20 9.27 8.75 9.73
Enterprise Value to EBIT (EV/EBIT)		 5.75 10.84 9.60 10.07 9.82 10.15 9.51 10.80 10.19 11.25
Enterprise Value to NOPAT (EV/NOPAT)		 7.17 13.52 11.99 12.60 12.30 12.64 11.84 13.40 12.59 13.95
Enterprise Value to Operating Cash Flow (EV/OCF)		 4.96 9.00 8.27 10.75 11.20 12.30 10.78 10.05 8.57 10.43
Enterprise Value to Free Cash Flow (EV/FCFF)		 27.70 0.00 0.00 0.00 0.00 0.00 3.96 5.23 4.63 20.55
Leverage & Solvency		 - - - - - - - - - -
Debt to Equity		 0.27 0.71 0.97 1.05 0.99 0.69 0.63 0.74 0.59 0.59
Long-Term Debt to Equity		 0.25 0.70 0.97 1.04 0.98 0.67 0.25 0.37 0.24 0.58
Financial Leverage		 0.18 0.39 0.54 0.67 0.65 0.70 0.79 0.89 0.78 0.64
Leverage Ratio		 8.98 9.04 9.67 9.85 9.80 9.39 9.23 9.28 9.15 8.86
Compound Leverage Factor		 8.98 9.04 9.67 9.85 9.80 9.39 9.23 9.28 9.15 8.86
Debt to Total Capital		 21.03% 41.68% 49.36% 51.33% 49.87% 40.73% 38.54% 42.55% 37.23% 37.29%
Short-Term Debt to Total Capital		 1.38% 0.98% 0.00% 0.78% 0.80% 0.89% 23.20% 21.48% 22.42% 0.88%
Long-Term Debt to Total Capital		 19.65% 40.70% 49.36% 50.55% 49.07% 39.84% 15.34% 21.07% 14.81% 36.41%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 78.97% 58.33% 50.64% 48.67% 50.13% 59.27% 61.46% 57.45% 62.77% 62.71%
Debt to EBITDA		 1.68 4.61 5.60 5.94 5.70 4.35 4.24 5.29 4.49 4.51
Net Debt to EBITDA		 -1.32 2.89 3.81 4.36 4.30 3.04 2.60 3.13 1.87 2.62
Long-Term Debt to EBITDA		 1.57 4.50 5.60 5.85 5.61 4.26 1.69 2.62 1.78 4.40
Debt to NOPAT		 2.51 6.92 8.21 8.63 8.25 6.27 6.12 7.64 6.46 6.47
Net Debt to NOPAT		 -1.99 4.34 5.58 6.33 6.22 4.39 3.75 4.52 2.70 3.76
Long-Term Debt to NOPAT		 2.35 6.76 8.21 8.50 8.12 6.14 2.44 3.78 2.57 6.31
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -14 -171 -301 -287 -278 -45 85 65 72 -2.02
Operating Cash Flow to CapEx		 2,886.08% 1,831.53% 5,026.67% 876.69% 3,426.96% 2,049.70% 831.16% 924.64% 3,542.45% 1,293.13%
Free Cash Flow to Firm to Interest Expense		 -6.30 -51.81 -46.23 -29.43 -22.13 -3.18 5.58 4.04 4.21 -0.12
Operating Cash Flow to Interest Expense		 7.43 4.39 1.50 0.85 1.04 0.72 0.68 0.93 1.04 0.36
Operating Cash Flow Less CapEx to Interest Expense		 7.18 4.15 1.47 0.75 1.01 0.69 0.60 0.83 1.01 0.33
Efficiency Ratios		 - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04
Fixed Asset Turnover		 2.81 3.03 3.22 3.24 3.23 3.16 3.12 3.08 3.11 3.20
Capital & Investment Metrics		 - - - - - - - - - -
Invested Capital		 401 566 681 711 689 620 606 654 627 632
Invested Capital Turnover		 0.32 0.28 0.27 0.25 0.26 0.23 0.21 0.19 0.20 0.22
Increase / (Decrease) in Invested Capital		 25 182 313 297 288 54 -76 -57 -62 12
Enterprise Value (EV)		 241 461 492 533 512 509 451 488 455 508
Market Capitalization		 307 313 263 265 253 332 308 323 358 371
Book Value per Share		 $38.11 $39.84 $41.63 $41.95 $42.14 $45.10 $45.68 $46.24 $48.76 $49.04
Tangible Book Value per Share		 $27.54 $29.22 $31.07 $31.39 $31.55 $34.50 $35.13 $35.69 $38.18 $38.51
Total Capital		 401 566 681 711 689 620 606 654 627 632
Total Debt		 84 236 336 365 344 252 233 278 233 236
Total Long-Term Debt		 79 230 336 359 338 247 93 138 93 230
Net Debt		 -67 148 229 268 259 177 143 165 97 137
Capital Expenditures (CapEx)		 0.59 0.79 0.20 0.94 0.38 0.50 1.24 1.62 0.50 0.45
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 84 236 336 365 344 252 233 278 233 236
Total Depreciation and Amortization (D&A)		 2.31 2.19 2.07 1.95 1.92 1.92 1.82 1.76 1.81 1.67
Earnings Adjustments		 - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.29 $1.33 $1.40 $1.22 $1.22 $1.18 $1.15 $1.02 $1.19 $1.22
Adjusted Weighted Average Basic Shares Outstanding		 8.28M 8.29M 8.25M 8.20M 8.15M 8.15M 8.13M 8.07M 8.08M 8.10M
Adjusted Diluted Earnings per Share		 $1.28 $1.32 $1.39 $1.21 $1.22 $1.17 $1.14 $1.02 $1.18 $1.21
Adjusted Weighted Average Diluted Shares Outstanding		 8.28M 8.29M 8.25M 8.20M 8.15M 8.15M 8.13M 8.07M 8.08M 8.10M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 8.28M 8.29M 8.25M 8.20M 8.15M 8.15M 8.13M 8.07M 8.08M 8.10M
Normalized Net Operating Profit after Tax (NOPAT)		 10 11 11 9.78 9.75 9.39 9.20 8.12 9.44 9.67
Normalized NOPAT Margin		 29.43% 29.42% 32.43% 28.98% 28.77% 28.65% 28.35% 24.49% 27.70% 27.47%
Pre Tax Income Margin		 36.76% 36.74% 40.54% 36.39% 36.04% 35.08% 35.26% 30.41% 34.27% 34.04%
Debt Service Ratios		 - - - - - - - - - -
EBIT to Interest Expense		 5.70 4.07 2.17 1.26 0.97 0.81 0.75 0.63 0.69 0.74
NOPAT to Interest Expense		 4.56 3.26 1.74 1.00 0.78 0.66 0.60 0.51 0.56 0.60
EBIT Less CapEx to Interest Expense		 5.44 3.83 2.14 1.16 0.94 0.78 0.67 0.53 0.66 0.71
NOPAT Less CapEx to Interest Expense		 4.30 3.02 1.71 0.91 0.75 0.63 0.52 0.40 0.53 0.57
Payout Ratios		 - - - - - - - - - -
Dividend Payout Ratio		 23.11% 22.83% 19.24% 18.99% 19.63% 20.43% 21.48% 22.38% 22.49% 22.48%
Augmented Payout Ratio		 56.32% 56.09% 39.77% 34.10% 31.68% 33.50% 36.56% 37.31% 36.95% 35.59%

Key Financial Trends

Home Bancorp (NASDAQ: HBCP) has demonstrated steady financial performance over the past approximately two years through Q4 2024. Here are the key trends and important highlights across income statements, cash flow statements, and balance sheets that retail investors should note:

  • Net interest income has shown consistent growth from approximately $29.0 million in Q1 2023 to about $31.6 million in Q4 2024, reflecting steady earnings generation from core lending and investment activities.
  • Net income attributable to common shareholders increased from around $9.2 million in Q2 2024 to $9.7 million in Q4 2024, showing modest quarterly improvement in profitability.
  • Return to solid net interest margin management with interest expense remaining relatively stable around $15.2 million to $16.2 million, despite modestly higher loan and deposit volumes.
  • Total revenues have steadily increased from approximately $32.5 million in Q1 2023 to $35.2 million in Q4 2024 driven by growth in loan interest income and moderate expansion of noninterest income sources such as service charges.
  • Loans and leases have increased consistently from roughly $2.47 billion in Q1 2023 to $2.67 billion by Q3 2024, indicating expanding lending activities supporting future interest revenue growth.
  • The allowance for loan and lease losses has remained stable in the range of $30–$32 million, suggesting measured credit risk management in a stable credit environment.
  • Noninterest expenses have increased slightly over the periods with total noninterest expenses around $22.4 million in Q4 2024, up from $20.0 million in Q1 2023; investment in employee benefits and occupancy/mktg expense remained relatively stable, pointing to controlled operating costs.
  • The company continues paying regular quarterly dividends ranging from $0.23 to $0.26 per share, reflecting commitment to returning cash to shareholders while maintaining capital.
  • Cash flow from investing activities has been negative, with sizeable purchases of investment securities exceeding sales, indicating capital deployment which could pressure liquidity in the short term (e.g., -$47.1 million in Q4 2024).
  • Long-term debt fluctuated somewhat, with repayments occurring alongside new issuances; level remains significant at around $92.8 million to $93 million by Q3 2024, which may impact interest expense and leverage risk.

Summary: Home Bancorp has posted solid and improving profitability metrics throughout 2023 into 2024, supported by growing net interest income and stable loan growth. The firm maintains prudent expense management alongside disciplined credit provisioning. While cash outflows from investing activities and long-term debt levels warrant monitoring, the consistent dividend payments and growing equity base reflect financial stability. Overall, the company exhibits positive operating momentum and controlled risk profile suitable for investors seeking steady banking sector exposure.

09/10/25 04:35 PM ETAI Generated. May Contain Errors.

Financials Breakdown Chart

Frequently Asked Questions About Home Bancorp's Financials

When does Home Bancorp's fiscal year end?

According to the most recent income statement we have on file, Home Bancorp's financial year ends in December. Their financial year 2024 ended on December 31, 2024.

How has Home Bancorp's net income changed over the last 2 years?

Home Bancorp's net income appears to be on an upward trend, with a most recent value of $36.43 million in 2024, rising from $34.07 million in 2022. The previous period was $40.24 million in 2023. View Home Bancorp's forecast to see where analysts expect Home Bancorp to go next.

How has Home Bancorp's revenue changed over the last 2 years?

Over the last 2 years, Home Bancorp's total revenue changed from $131.90 million in 2022 to $134.89 million in 2024, a change of 2.3%.

How much debt does Home Bancorp have?

Home Bancorp's total liabilities were at $3.05 billion at the end of 2024, a 3.2% increase from 2023, and a 5.1% increase since 2022.

How much cash does Home Bancorp have?

In the past 2 years, Home Bancorp's cash and equivalents has ranged from $75.83 million in 2023 to $98.55 million in 2024, and is currently $98.55 million as of their latest financial filing in 2024.

How has Home Bancorp's book value per share changed over the last 2 years?

Over the last 2 years, Home Bancorp's book value per share changed from 39.84 in 2022 to 49.04 in 2024, a change of 23.1%.


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This page (NASDAQ:HBCP) was last updated on 9/10/2025 by MarketBeat.com Staff
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