HBCP
Financial ServicesHome Bancorp, Inc. · Banks - Regional · $510M
What is Home Bancorp, Inc.?
Home Bancorp, Inc. is the holding company for Home Bank, National Association, a community bank serving Louisiana and Mississippi through a network of branch offices.
Home Bank generates revenue through traditional community banking — accepting deposits and extending loans across residential, commercial real estate, and consumer categories. The bank also invests in securities and offers credit cards and online banking services, serving individuals and businesses primarily in the Acadiana, Baton Rouge, Greater New Orleans, Northshore, and Natchez markets.
Founded in 1908 and headquartered in Lafayette, Louisiana, Home Bancorp has deep roots in the Gulf South region.
- Residential and commercial real estate loans
- Deposit accounts including checking, savings, and CDs
- Commercial and industrial lending
- Online banking and credit card services
Is HBCP a Good Stock to Buy?
UQS Score rates HBCP as Below Average overall.
The Quality and Valuation pillars are relative bright spots, suggesting the bank maintains reasonable financial discipline and does not appear richly priced relative to its fundamentals.
The Moat, Growth, and Risk pillars all register as Weak, reflecting limited competitive differentiation, constrained expansion prospects, and elevated risk factors for a small community bank.
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Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does HBCP pay dividends?
Yes — Home Bancorp, Inc. pays a dividend.
Home Bancorp pays a regular dividend, consistent with the income-oriented tradition of community banks. The dividend reflects the company's commitment to returning capital to shareholders, though investors should weigh the Weak Risk pillar when assessing dividend sustainability.
When does HBCP report earnings?
Home Bancorp reports earnings on a quarterly cadence, typical for US-listed bank holding companies.
Performance has reflected the challenges facing smaller regional banks, including pressure on net interest margins and measured loan growth. The Quality pillar rating suggests the bank has maintained reasonable operational standards relative to its size.
For the most recent quarter's results, visit Home Bancorp's investor relations page directly.
HBCP Price History
+82.3% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in Home Bancorp, Inc.?
Based on Home Bancorp, Inc.'s historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
Frequently Asked Questions
What does Home Bancorp do?
Home Bancorp is the parent company of Home Bank, a community bank operating across Louisiana and Mississippi. It offers deposit accounts, mortgage and commercial loans, credit cards, and online banking through a network of branch offices in several regional markets.
Does HBCP pay dividends?
Yes, Home Bancorp pays a regular dividend. This is consistent with community bank practice of returning capital to shareholders. Investors should review the company's investor relations page for the current dividend rate and payment schedule.
When does HBCP report earnings?
Home Bancorp reports on a quarterly cadence, as is standard for US-listed bank holding companies. For exact dates, check the company's investor relations page or financial calendar.
Is HBCP a good stock to buy?
UQS Score rates HBCP as Below Average. While Quality and Valuation pillars show relative strength, the Weak ratings across Moat, Growth, and Risk indicate meaningful headwinds. The full pillar breakdown is available to Pro members on UQS Score.
Is HBCP overvalued?
The Valuation pillar for HBCP is rated Good, suggesting the stock does not appear expensive relative to its fundamentals. However, valuation alone does not determine investment merit — the full picture includes weaker scores in other pillars.
What is HBCP's market cap bracket?
Home Bancorp is classified as a small-cap stock. This places it among smaller community banks, which typically carry different risk and liquidity characteristics compared to large regional or national banking institutions.
Who founded Home Bancorp?
Home Bank traces its origins to 1908, making it one of the longer-standing community banking institutions in Louisiana. Founding details are widely available through the company's official history and public filings.
Is HBCP a long-term quality indicator?
From a long-term quality perspective, HBCP's Below Average UQS Score reflects concerns across Moat, Growth, and Risk pillars. The Quality pillar offers some support, but sustained long-term strength typically requires broader pillar consistency. Pro members can view the complete analysis.
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Pro Analysis
HBCP — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 22, 2026 | 48.5 | 78.2 | 20.0 | 27.3 | 36.4 | 86.8 | +1.1 |
| May 7, 2026 | 47.4 | 78.1 | 20.0 | 26.6 | 36.4 | 80.9 | -0.2 |
| May 3, 2026 | 47.6 | 78.1 | 20.0 | 26.6 | 36.4 | 81.8 | -0.1 |
| Apr 26, 2026 | 47.7 | 78.1 | 20.0 | 26.6 | 36.4 | 82.9 | +0.3 |
| Apr 25, 2026 | 47.4 | 78.1 | 20.0 | 26.6 | 36.4 | 80.7 | -0.1 |
| Apr 24, 2026 | 47.5 | 78.1 | 20.0 | 26.6 | 36.4 | 81.5 | -0.6 |
| Apr 23, 2026 | 48.1 | 78.1 | 20.0 | 27.2 | 36.4 | 84.5 | +1.2 |
| Apr 21, 2026 | 46.9 | 78.1 | 20.0 | 26.1 | 36.4 | 77.8 | +0.1 |
| Apr 18, 2026 | 46.8 | 78.1 | 20.0 | 26.1 | 36.4 | 77.6 | +0.4 |
| Apr 14, 2026 | 46.4 | 78.1 | 20.0 | 26.1 | 36.4 | 74.5 | 0.0 |
HBCP — Pillar Breakdown
Quality
— 78.2/100 (25%)Home Bancorp, Inc. demonstrates outstanding capital efficiency and profitability, placing it among the highest-quality businesses in the market.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 27.3/100 (20%)Home Bancorp, Inc. faces growth headwinds with declining or stagnant revenue trends.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 36.4/100 (15%)Home Bancorp, Inc. has some risk factors including moderate leverage or solvency concerns.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 86.8/100 (15%)Home Bancorp, Inc. appears attractively valued relative to its earnings, cash flows, and sector peers.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
P/E relative to earnings growth — lower is more attractive.
Enterprise value multiple relative to sector median.
Moat
— 20/100 (25%)Home Bancorp, Inc. operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for HBCP.
Score Composition
Financial Data
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How is the HBCP UQS Score Calculated?
The UQS (Unified Quality Score) for Home Bancorp, Inc. is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses Home Bancorp, Inc.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether Home Bancorp, Inc. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.