Is Home Bancorp, Inc. (HBCP) Overvalued?
We dive into why Home Bancorp, Inc. (HBCP) could be considered overvalued on 2026-08-07, based on AAII’s Value Score and Grade.Rosalio Madrigal
A+ Stock Grade Summary:
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COMPANY SUMMARY
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.
Commentary & Analysis
What You Need to Know About Home Bancorp, Inc.'s Q3 Earnings
Home Bancorp, Inc.'s fiscal Q3 earnings report was released on Monday, July 20. Let's dive in to see if (HBCP) missed or beat analyst's expectations.Tudor Pop
What You Need to Know About Home Bancorp, Inc.'s Q2 Earnings
Home Bancorp, Inc.'s fiscal Q2 earnings report was released on Monday, April 20. Let's dive in to see if (HBCP) missed or beat analyst's expectations.Rosalio Madrigal
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What You Need to Know About Home Bancorp, Inc.'s Q1 Earnings
Home Bancorp, Inc.'s fiscal Q1 earnings report was released on Monday, January 26. Let's dive in to see if (HBCP) missed or beat analyst's expectations.Tudor Pop
Financial Summary
| Share Statistics | HBCP | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $546.5 | $746.4 | 38% |
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| Shares Out (Mil) | 7.9 | 15.0 | 18% |
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| Institutional Ownership | 87.4% | 83.5% | 55% |
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| Float (Mil) | 6.8 | 21.8 | 15% |
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| Beta | 0.50 | 0.45 | 28% |
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| Avg Daily Volume (000s) | 89 | 48 | 34% |
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| Price Change (52-week) |
22.3% | 94.2% | 66% |
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| Growth | HBCP | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 9.7% | 7.7% | 57% |
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| Net Income (5yr) | 13.2% | 11.1% | 60% |
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| EPS (5yr) | 15.5% | 10.1% | 58 |
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| Dividends (5yr) | 5.3% | 3.7% | 82% |
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| Cash Flow (5yr) | (20.2%) | (17.1%) | 33% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | 4 | 4 | 4 | |
| Current EPS | $1.498 | $5.958 | $6.325 | |
| Month Ago EPS | $1.498 | $5.958 | $6.325 | |
| # Rev Up | 1 | 2 | 1 | |
| # Rev Down | 0 | 0 | 0 | |
| Three Months Ago EPS | $1.515 | $5.950 | $6.260 | |
| Year/Year Chg | 1.2% | 1.5% | na | |
| Financials | HBCP | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $152 | $195 | 29% |
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| Net Income (TTM) (Mil) | $47 | $55 | 54% |
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| EPS (TTM) | $6.042 | $2.600 | 89% |
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| Operating Cash Flow (TTM) (Mil) | $61 | $33 | 48% |
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| Net Cash Flow (TTM) (Mil) | $76 | $1 | 74% |
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| Long-Term Debt (Q1) (Mil) | $55 | $98 | 40% |
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| Enterprise Value (Q1) (Mil) | na | $0 | na |
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| Valuation | HBCP | Industry Median |
Percentile (All Stocks) |
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| P/B | 1.20 | 1.24 | 29% |
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| P/E | 11.6 | 12.4 | 23% |
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| Dividend Yield | 1.8% | 2.2% | 75% |
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| PEG (5yr hist) | 0.7 | 1.1 | 36% |
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| Ratios | HBCP | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | na | 63.7% | na |
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| Net Margin | 30.8% | 29.2% | 89% |
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| ROA | 1.3% | 1.1% | 50% |
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| ROE | 10.8% | 11.3% | 59% |
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| Liabilities to Assets | 87.4% | 89.7% | 81% |
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| F-Score | 5 | 4 | 51% |
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Passing Stock Screens
As of 8/28/2026, from a list of 60 stock screening strategies,
GURU STRATEGY
Graham--Defensive Investor (Utility) Screen
Factors: Yield, Value, Quality, Industry/Sector
Graham's approach leads to three separate screens that focus on the concept of intrinsic value, justified by a firm's financial strength.
| Performance Since Inception: | 6.9% |
| +/- S&P 500: | -0.6 |
FACTOR STRATEGY
Value on the Move--PEG With Hist Growth Screen
Factors: Value, Quality, Momentum, Growth
Using PEG ratios and price strength to find growth stocks trading at a reasonable price.
| Performance Since Inception: | 13.9% |
| +/- S&P 500: | +6.4 |
