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Upturn AI SWOT - About
HBCP 
Home Bancorp Inc (HBCP)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
10/15/2025: HBCP (1-star) is a SELL. SELL since 5 days. Simulated Profits (-5.23%). Updated daily EoD!
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
4 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $62.25
1 Year Target Price $62.25
| 0 | Strong Buy |
| 2 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -14.06% | Avg. Invested days 33 | Today’s Advisory SELL |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/15/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 401.10M USD | Price to earnings Ratio 9.84 | 1Y Target Price 62.25 |
Price to earnings Ratio 9.84 | 1Y Target Price 62.25 | ||
Volume (30-day avg) 4 | Beta 0.62 | 52 Weeks Range 39.16 - 60.72 | Updated Date 10/17/2025 |
52 Weeks Range 39.16 - 60.72 | Updated Date 10/17/2025 | ||
Dividends yield (FY) 1.94% | Basic EPS (TTM) 5.21 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-20 | When After Market | Estimate 1.36 | Actual - |
Profitability
Profit Margin 29.38% | Operating Margin (TTM) 40.91% |
Management Effectiveness
Return on Assets (TTM) 1.2% | Return on Equity (TTM) 10.55% |
Valuation
Trailing PE 9.84 | Forward PE 9.4 | Enterprise Value 434954752 | Price to Sales(TTM) 2.85 |
Enterprise Value 434954752 | Price to Sales(TTM) 2.85 | ||
Enterprise Value to Revenue 4.02 | Enterprise Value to EBITDA - | Shares Outstanding 7824751 | Shares Floating 6725217 |
Shares Outstanding 7824751 | Shares Floating 6725217 | ||
Percent Insiders 14.18 | Percent Institutions 48.78 |
Upturn AI SWOT
Home Bancorp Inc
Company Overview
History and Background
Home Bancorp, Inc. is the holding company for Home Bank, a Louisiana-chartered savings bank. Founded in 1908, Home Bank has grown from a local savings and loan to a regional financial institution, expanding its services and geographic footprint through organic growth and acquisitions.
Core Business Areas
- Commercial Banking: Offers a range of commercial lending and deposit products, including commercial real estate loans, business loans, and treasury management services.
- Retail Banking: Provides deposit accounts, mortgage loans, consumer loans, and other retail banking services to individuals and families.
- Wealth Management: Offers wealth management and trust services to individuals and businesses through its trust department.
Leadership and Structure
The company is led by its board of directors and a senior management team. The organizational structure is typical of a bank holding company, with various departments overseeing lending, deposit operations, finance, and other key functions.
Top Products and Market Share
Key Offerings
- Mortgage Loans: Offers a variety of mortgage products, including fixed-rate and adjustable-rate mortgages. Market share data is difficult to pinpoint exactly to Home Bancorp, but market trends point to major players being companies such as Rocket Mortgage, United Wholesale Mortgage, LoanDepot, and others. Competitors for mortgage loans include national banks, regional banks, and mortgage brokers.
- Commercial Real Estate Loans: Provides financing for commercial real estate projects. Market share data is difficult to pinpoint exactly to Home Bancorp, but market trends point to major players being companies such as JP Morgan Chase, Bank of America, Wells Fargo, and others. Competitors include other banks, credit unions, and private lenders.
- Deposit Accounts: Offers checking, savings, and money market accounts. Competitors include national banks, credit unions, and online banks. Market share data is difficult to pinpoint exactly to Home Bancorp.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing regulatory scrutiny, rising interest rates, technological disruption, and heightened competition. Banks are adapting to changing customer preferences and investing in digital channels.
Positioning
Home Bancorp Inc. operates as a regional bank focusing on the Louisiana market. Its competitive advantages include strong local relationships and a focus on customer service.
Total Addressable Market (TAM)
The TAM for banking services in Louisiana is estimated to be in the billions of dollars. Home Bancorp Inc. is positioned to capture a portion of this market through its branch network and online presence.
Upturn SWOT Analysis
Strengths
- Strong local presence in Louisiana
- Experienced management team
- Solid capital base
- Focus on customer service
Weaknesses
- Limited geographic diversification
- Smaller scale compared to national banks
- Dependence on the Louisiana economy
Opportunities
- Expansion into new markets within Louisiana
- Increased adoption of digital banking services
- Acquisition of smaller banks
- Growing wealth management business
Threats
- Rising interest rates
- Increased competition from larger banks
- Economic downturn in Louisiana
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- IBOC
- FFBC
- LBAI
- HFWA
Competitive Landscape
Home Bancorp faces competition from larger regional and national banks with greater resources. Its strengths lie in its local market knowledge and customer relationships, while its weaknesses include a smaller scale and limited geographic reach.
Growth Trajectory and Initiatives
Historical Growth: Historical growth is based on past financial performance. Without prior data, this can not be produced.
Future Projections: Future projections are based on analyst estimates. Without access to these estimates, future projections can not be produced
Recent Initiatives: Recent strategic initiatives requires knowledge of the company's strategic direction. Without access to this information, recent strategic initiatives can not be produced.
Summary
Home Bancorp Inc. operates as a regional bank with a strong presence in Louisiana. It benefits from its local market knowledge and customer relationships. However, it faces challenges due to its smaller size and limited geographic diversification, requiring strategic initiatives to drive growth and compete effectively against larger banks. The company must also adapt to the evolving financial landscape including rising interest rates and cybersecurity risks.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company SEC filings
- Industry reports
- Analyst estimates
- Company Website
- Market Data
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Market share data is based on available information and may not be exact. Investment decisions should be based on thorough research and consultation with a qualified financial advisor.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Home Bancorp Inc
Exchange NASDAQ | Headquaters Lafayette, LA, United States | ||
IPO Launch date 2008-10-03 | Chairman, President & CEO Mr. John W. Bordelon | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 471 | Website https://www.home24bank.com |
Full time employees 471 | Website https://www.home24bank.com | ||
Home Bancorp, Inc. operates as the bank holding company for Home Bank, National Association that provides various banking products and services in Louisiana, Mississippi, and Texas. It offers deposit products, including interest-bearing and noninterest-bearing checking, money market, savings, NOW, and certificates of deposit accounts. The company 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. Further, it invests in securities, as well as offers credit cards and online banking services. The company was founded in 1908 and is headquartered in Lafayette, Louisiana.
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