Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Revenue
- Valuation
- Analyst Ratings
Upturn AI SWOT - About
HBCP 
Home Bancorp Inc (HBCP)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
06/11/2025: HBCP (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $54.62
1 Year Target Price $54.62
| 0 | Strong Buy |
| 2 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -10.56% | Avg. Invested days 30 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 06/11/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 403.72M USD | Price to earnings Ratio 10.83 | 1Y Target Price 54.62 |
Price to earnings Ratio 10.83 | 1Y Target Price 54.62 | ||
Volume (30-day avg) 4 | Beta 0.56 | 52 Weeks Range 36.75 - 52.76 | Updated Date 06/30/2025 |
52 Weeks Range 36.75 - 52.76 | Updated Date 06/30/2025 | ||
Dividends yield (FY) 2.08% | Basic EPS (TTM) 4.78 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 28.2% | Operating Margin (TTM) 41.91% |
Management Effectiveness
Return on Assets (TTM) 1.12% | Return on Equity (TTM) 9.85% |
Valuation
Trailing PE 10.83 | Forward PE 9.4 | Enterprise Value 513986784 | Price to Sales(TTM) 2.98 |
Enterprise Value 513986784 | Price to Sales(TTM) 2.98 | ||
Enterprise Value to Revenue 4.54 | Enterprise Value to EBITDA - | Shares Outstanding 7801370 | Shares Floating 6268867 |
Shares Outstanding 7801370 | Shares Floating 6268867 | ||
Percent Insiders 14.21 | Percent Institutions 48.85 |
Analyst Ratings
Rating 2 | Target Price 54.62 | Buy 2 | Strong Buy - |
Buy 2 | Strong Buy - | ||
Hold 2 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Home Bancorp Inc
Company Overview
History and Background
Home Bancorp, Inc. is the holding company for Home Bank, a community bank founded in 1908 in Lafayette, Louisiana. It has grown through organic expansion and acquisitions, focusing on providing traditional banking services in Louisiana and Mississippi.
Core Business Areas
- Community Banking: Provides a range of banking services, including deposit accounts, loans, and other financial products to individuals, small businesses, and commercial customers.
Leadership and Structure
Home Bancorp's leadership team consists of experienced banking professionals. The organizational structure includes a board of directors and various executive management positions overseeing different functional areas.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans secured by commercial properties. Market share data is not publicly available on a granular level for each product, but Home Bank competes with regional and national banks. Competitors: Hancock Whitney, Iberiabank, and Regions Bank.
- Residential Mortgages: Mortgages for residential properties. Market share data is fragmented and depends on the specific geographic area. Competitors: Hancock Whitney, Iberiabank, and Regions Bank.
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Market share data is fragmented and depends on the specific geographic area. Competitors: Hancock Whitney, Iberiabank, and Regions Bank.
Market Dynamics
Industry Overview
The banking industry is highly competitive and subject to regulatory changes, interest rate fluctuations, and economic conditions.
Positioning
Home Bancorp is a community bank focusing on relationship banking and serving local markets in Louisiana and Mississippi. It aims to differentiate itself through personalized service and local expertise.
Total Addressable Market (TAM)
The total addressable market includes all banking services within Louisiana and Mississippi. Home Bancorp holds a portion of this TAM.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Experienced management team
- Relationship-focused banking model
- Solid capital base
Weaknesses
- Limited geographic diversification
- Smaller scale compared to national banks
- Reliance on traditional banking services
Opportunities
- Expansion into new markets within the region
- Increased adoption of digital banking solutions
- Acquisition of smaller banks or credit unions
- Growth in commercial lending
Threats
- Increased competition from larger banks and fintech companies
- Economic downturns affecting loan quality
- Rising interest rates impacting profitability
- Regulatory changes increasing compliance costs
Competitors and Market Share
Key Competitors
- HBNC
- HWC
- IBKC
- RF
Competitive Landscape
Home Bancorp competes with regional and national banks, as well as credit unions and fintech companies. Its advantages include a strong local presence and relationship-focused banking. Disadvantages may include limited scale and geographic diversification.
Growth Trajectory and Initiatives
Historical Growth: Past growth trends require analysis of historical financial data.
Future Projections: Future growth projections are usually available from analyst reports.
Recent Initiatives: Recent initiatives require up-to-date information about the company's strategic actions.
Summary
Home Bancorp is a community-focused bank with a strong local presence. It benefits from its relationship-based banking model but faces competition from larger institutions. While their market share is relatively small, they have solid growth opportunities within their operational footprint. Their expansion potential is key to its continued success.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Analyst Reports (where available)
- Publicly Available Industry Data
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share and financial data are estimates and subject to change. Investment decisions should be based on thorough research and consultation with a 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.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.