Home Bancorp (HBCP) Q3 2025 Earnings Transcript

Written by Emily J. Thompson, Senior Investment Analyst

Source: NASDAQ.COM

Updated: Jan 26 2026

0mins

HBCP-1.44%

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Source: NASDAQ.COM

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Analyst Views on HBCP

Wall Street analysts forecast HBCP stock price to rise

1 Analyst Rating

1 Buy

0 Hold

0 Sell

Moderate Buy

Current: 58.960

Low

66.00

Averages

66.00

High

66.00

Current: 58.960

Low

66.00

Averages

66.00

High

66.00

Raymond James

Outperform

maintain

$52 -> $62

2025-07-23

Reason

Raymond James

Price Target

$52 -> $62

AI Analysis

2025-07-23

maintain

Outperform

Reason

Raymond James raised the firm's price target on Home Bancorp to $62 from $52 and keeps an Outperform rating on the shares. Home Bancorp's Q2 results exceeded expectations on an EPS and pre-provision net revenue basis, with the broad-based beat featuring bigger than expected net interest margin expansion, fueling net interest income above expectations, the analyst tells investors in a research note.

Piper Sandler

Stephen Scouten

Buy

Maintains

$60 → $65

2025-04-23

Reason

Piper Sandler

Stephen Scouten

Price Target

$60 → $65

2025-04-23

Maintains

Buy

Reason

About HBCP

Home Bancorp, Inc. is the holding company for Home Bank, N.A. (the Bank). The Bank is a wholly owned subsidiary of the Company, conducts business through approximately 43 banking offices in the Acadiana, Baton Rouge, Greater New Orleans, and Northshore (of Lake Pontchartrain) regions of south Louisiana, the Natchez region of west Mississippi and the Houston region of Texas. The Bank is primarily engaged in attracting deposits from the general public and using those funds to invest in loans and securities. The Bank’s principal sources of funds are customer deposits, repayments of loans, repayments of investments and funds borrowed from outside sources such as the Federal Home Loan Bank (FHLB) of Dallas. These funds are primarily used for the origination of loans, including one-to four-family first mortgage loans, home equity loans and lines, commercial real estate loans, construction and land loans, multifamily residential loans, commercial and industrial loans, and consumer loans.

About the author

Emily J. Thompson

Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.

Home Bancorp Reports Record Earnings and Growth Outlook for 2026

Jan 27 2026seekingalpha

Record Net Income: Home Bancorp reported a net income of $11.4 million for Q4 2025, translating to $1.46 per share, with a full-year net income of $46 million, marking a 29% increase over 2024, reflecting strong profitability and competitive positioning.
Texas Market Expansion: Since entering the Texas market in 2022, loans have grown at an annual rate of 15%, now representing 20% of the loan portfolio, which not only enhances market share but also lays a solid foundation for future growth.
Credit Quality Management: Although nonperforming loans increased in 2025, the company's charge-offs remain very low due to conservative underwriting standards and proactive credit management, which bolsters investor confidence in the company's stability.
Optimistic Future Outlook: Management expects loan growth in 2026 to be in the mid-single digits, with noninterest income projected to rise to between $3.8 million and $4 million over the next several quarters, demonstrating confidence in future market opportunities.

HOME BANCORP Reports Increased Q4 Earnings, Beating Estimates

Jan 27 2026NASDAQ.COM

Earnings Growth: HOME BANCORP reported fourth-quarter earnings of $11.41 million, or $1.46 per share, significantly up from last year's $9.67 million and $1.21 per share, surpassing analysts' expectations of $1.39 per share, indicating enhanced profitability.
Revenue Increase: The company's revenue rose 8.0% year-over-year to $38.05 million from $35.22 million last year, reflecting its competitive position and ability to expand its business.
Market Expectations Surpassed: This growth in earnings and revenue not only exceeded market analysts' expectations but also demonstrates the company's resilience in the economic environment, potentially attracting more investor interest in its future prospects.
Financial Health: With the dual growth in earnings and revenue, HOME BANCORP's financial position is further strengthened, providing a solid foundation for future investments and expansion.

Home Bancorp Q4 Earnings Exceed Expectations

Jan 26 2026seekingalpha

Strong Earnings Performance: Home Bancorp reported a Q4 GAAP EPS of $1.46, beating expectations by $0.07, reflecting robust profitability that boosts investor confidence.
Significant Revenue Growth: The company achieved revenue of $38.04 million, an 8.0% year-over-year increase, surpassing market expectations by $4.49 million, indicating a solid growth momentum that may attract more investor interest.
Financial Health: Home Bancorp's financial metrics continue to improve, showcasing its competitiveness and stability in the market, providing a solid foundation for future expansion and investment.
Steady Dividend Performance: The company's consistent earnings growth supports its dividend payments, enhancing shareholder return expectations and reinforcing the attractiveness of its stock.