Company Reports Q1 NII of $34.5M
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Apr 20 2026
0mins
Reports Q1 NII $34.5M, consensus $33.4M. Q1 net interest margin was 4.16% from 4.06% in the previous quarter and 3.91% last year. Preliminary Tier 1 leverage capital and total risk-based capital ratios were 12.11% and 15.65%, respectively, at March 31, 2026, compared to 11.84% and 15.29%, respectively, at December 31, 2025. Tangible book value per share was $46.04 from $44.84 at quarter end. "In March 2026, we opened our newest full-service location in Tomball, TX," said CEO John Bordelon. "We are pleased with our financial results for the first quarter. While loan production remained down during the quarter, deposit growth increased and reduced our loan to deposit ratio to 90%. Financial metrics remained strong with ROA increasing to 1.30% and a ten-basis point NIM expansion to 4.16% for the quarter. Credit metrics reflect an increase in nonperforming and criticized loans during the quarter, but we do not anticipate material losses. We remain focused on proactively identifying and resolving problem loans as quickly as possible. We are confident that our teams have the ability to broaden meaningful relationships with our customers across all our markets throughout the remainder of the year."
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Analyst Views on HBCP
Wall Street analysts forecast HBCP stock price to fall
1 Analyst Rating
1 Buy
0 Hold
0 Sell
Moderate Buy
Current: 70.660
Low
66.00
Averages
66.00
High
66.00
Current: 70.660
Low
66.00
Averages
66.00
High
66.00
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 to Release Q2 Earnings on July 20, 2026
- Earnings Release Schedule: Home Bancorp plans to issue its earnings report for the quarter ending June 30, 2026, after market close on July 20, 2026, with details available on the company's website, likely attracting market attention.
- Conference Call Timing: The company will hold a conference call on July 21, 2026, at 10:30 a.m. CDT, where Chairman and CEO John W. Bordelon and other executives will discuss second-quarter results, enhancing investor understanding of the company's financial health.
- Investor Participation Details: Investors can join the conference call by dialing 1.646.357.8785 or 1.800.836.8184, with a recommendation to call in 10 minutes early to ensure smooth access, thereby improving the investor experience.
- Company Background Information: Home Bancorp, established in 2008, serves as the holding company for Home Bank, which was founded in 1908 as a community bank in Louisiana, emphasizing its significance in local financial services across South Louisiana and surrounding markets.
See More
Home Bancorp to Release Q2 2026 Earnings Report
- Earnings Release Schedule: Home Bancorp plans to issue its earnings report for the quarter ending June 30, 2026, after market close on July 20, 2026, which is expected to impact investor confidence regarding the company's financial performance.
- Investor Conference Call: The company will hold a conference call on July 21, 2026, at 10:30 a.m. CDT, where Chairman and CEO John W. Bordelon and other executives will discuss the earnings report, providing in-depth performance analysis to stakeholders.
- Call Access Information: Investors can join the conference call by dialing 1.646.357.8785 or 1.800.836.8184, with a recommendation to call in 10 minutes early to ensure smooth access and receive the latest updates.
- Company Background: Home Bancorp, established in 2008, is the holding company for Home Bank, which was founded in 1908 as the first financial institution in Lafayette, Louisiana, demonstrating the company's strong local roots and ongoing growth potential in the market.
See More
Home Bancorp Downgraded After Q1 Earnings Report
- Earnings Highlights: Home Bancorp reported Q1 GAAP EPS of $1.45, beating expectations by $0.06, with revenue of $38.22 million reflecting a 6.9% year-over-year increase, surpassing estimates by $4.82 million, indicating resilience in revenue growth.
- Slower Loan Growth: Despite management noting a solid pipeline with a 30% quarter-over-quarter increase, loan growth in Q1 fell short of expectations, projecting only 2.7% growth for 2026, which pressures future EPS growth.
- Margin Expansion: The net interest margin increased by 10 basis points to 4.16% in Q1, although rising deposit costs due to increased competition may limit future margin growth potential.
- M&A Intentions: Management expressed interest in pursuing small-scale M&A transactions in a favorable regulatory environment, targeting banks with assets between $500 million and $1.5 billion, which could present unexpected growth opportunities for the company.
See More
Home Bancorp Reports 6% Increase in Q1 Net Income
- Net Income Growth: Home Bancorp reported a first-quarter net income of $11.4 million, or $1.46 per share, reflecting a 6% year-over-year increase, which enhances investor confidence in the company's profitability.
- Margin Expansion: The net interest margin expanded to 4.16%, a 10 basis point increase from the previous quarter and 25 basis points higher than last year, indicating successful management of funding costs and balance sheet optimization.
- Deposit Increase: Total deposits rose by $54 million in the quarter, representing a 7% annualized growth, with core deposits increasing by $118 million, demonstrating enhanced customer trust and solidifying the company's market position.
- Loan Production Decline: Although the loan pipeline increased by $30 million compared to last year, total loans declined by 1%, highlighting the impact of market volatility and interest rate uncertainty on new loan production, necessitating close monitoring of future growth dynamics.
See More
Home Bancorp Reports Q1 2026 Earnings with Margin Expansion and Record Income
- Profitability Improvement: Home Bancorp reported a net income of $11.4 million for Q1 2026, translating to earnings per share of $1.45, indicating steady profitability growth despite a 1% decline in loans, while net interest margin expanded to 4.16%, reflecting improvements in funding costs.
- Significant Deposit Growth: Total deposits increased by $54 million, with core deposits rising by $118 million, leading to a loan-to-deposit ratio of approximately 90%, establishing a solid foundation for future growth, although non-core deposits declined.
- New Branch Opening: The opening of the new Northwest Houston branch provides full-service presence in one of the fastest-growing areas, further enhancing the company's market presence in Texas, which is expected to drive future customer growth and business expansion.
- Expense and Income Outlook: The company expects quarterly noninterest income to range between $3.8 million and $4 million, while noninterest expenses are projected to be between $23.3 million and $23.7 million, with management emphasizing continued focus on cost control and income diversification to navigate market uncertainties.
See More
Home Bancorp Q1 Earnings Exceed Expectations
- Strong Earnings Performance: Home Bancorp reported a Q1 GAAP EPS of $1.45, beating expectations by $0.06, indicating sustained profitability that is likely to positively impact stock performance.
- Stable Revenue Growth: The company achieved revenue of $38.22 million in Q1, reflecting a 6.9% year-over-year increase and exceeding market expectations by $4.82 million, showcasing successful strategies in revenue diversification and market demand.
- Loan and Deposit Dynamics: As of March 31, 2026, total loans amounted to $2.7 billion, down $15.9 million from the previous quarter, while total deposits increased by $54 million to $3.0 billion, highlighting ongoing improvements in deposit attractiveness.
- Asset Quality Concerns: Nonperforming assets totaled $39.9 million, or 1.12% of total assets, up from the previous quarter, primarily due to multiple loan relationships moving to nonaccrual status, necessitating attention to future asset quality management.
See More
Home Bancorp to Release Q2 Earnings on July 20, 2026
- Earnings Release Schedule: Home Bancorp plans to issue its earnings report for the quarter ending June 30, 2026, after market close on July 20, 2026, with details available on the company's website, likely attracting market attention.
- Conference Call Timing: The company will hold a conference call on July 21, 2026, at 10:30 a.m. CDT, where Chairman and CEO John W. Bordelon and other executives will discuss second-quarter results, enhancing investor understanding of the company's financial health.
- Investor Participation Details: Investors can join the conference call by dialing 1.646.357.8785 or 1.800.836.8184, with a recommendation to call in 10 minutes early to ensure smooth access, thereby improving the investor experience.
- Company Background Information: Home Bancorp, established in 2008, serves as the holding company for Home Bank, which was founded in 1908 as a community bank in Louisiana, emphasizing its significance in local financial services across South Louisiana and surrounding markets.
See More
Home Bancorp to Release Q2 2026 Earnings Report
- Earnings Release Schedule: Home Bancorp plans to issue its earnings report for the quarter ending June 30, 2026, after market close on July 20, 2026, which is expected to impact investor confidence regarding the company's financial performance.
- Investor Conference Call: The company will hold a conference call on July 21, 2026, at 10:30 a.m. CDT, where Chairman and CEO John W. Bordelon and other executives will discuss the earnings report, providing in-depth performance analysis to stakeholders.
- Call Access Information: Investors can join the conference call by dialing 1.646.357.8785 or 1.800.836.8184, with a recommendation to call in 10 minutes early to ensure smooth access and receive the latest updates.
- Company Background: Home Bancorp, established in 2008, is the holding company for Home Bank, which was founded in 1908 as the first financial institution in Lafayette, Louisiana, demonstrating the company's strong local roots and ongoing growth potential in the market.
See More
Home Bancorp Downgraded After Q1 Earnings Report
- Earnings Highlights: Home Bancorp reported Q1 GAAP EPS of $1.45, beating expectations by $0.06, with revenue of $38.22 million reflecting a 6.9% year-over-year increase, surpassing estimates by $4.82 million, indicating resilience in revenue growth.
- Slower Loan Growth: Despite management noting a solid pipeline with a 30% quarter-over-quarter increase, loan growth in Q1 fell short of expectations, projecting only 2.7% growth for 2026, which pressures future EPS growth.
- Margin Expansion: The net interest margin increased by 10 basis points to 4.16% in Q1, although rising deposit costs due to increased competition may limit future margin growth potential.
- M&A Intentions: Management expressed interest in pursuing small-scale M&A transactions in a favorable regulatory environment, targeting banks with assets between $500 million and $1.5 billion, which could present unexpected growth opportunities for the company.
See More
Home Bancorp Reports 6% Increase in Q1 Net Income
- Net Income Growth: Home Bancorp reported a first-quarter net income of $11.4 million, or $1.46 per share, reflecting a 6% year-over-year increase, which enhances investor confidence in the company's profitability.
- Margin Expansion: The net interest margin expanded to 4.16%, a 10 basis point increase from the previous quarter and 25 basis points higher than last year, indicating successful management of funding costs and balance sheet optimization.
- Deposit Increase: Total deposits rose by $54 million in the quarter, representing a 7% annualized growth, with core deposits increasing by $118 million, demonstrating enhanced customer trust and solidifying the company's market position.
- Loan Production Decline: Although the loan pipeline increased by $30 million compared to last year, total loans declined by 1%, highlighting the impact of market volatility and interest rate uncertainty on new loan production, necessitating close monitoring of future growth dynamics.
See More
Home Bancorp Reports Q1 2026 Earnings with Margin Expansion and Record Income
- Profitability Improvement: Home Bancorp reported a net income of $11.4 million for Q1 2026, translating to earnings per share of $1.45, indicating steady profitability growth despite a 1% decline in loans, while net interest margin expanded to 4.16%, reflecting improvements in funding costs.
- Significant Deposit Growth: Total deposits increased by $54 million, with core deposits rising by $118 million, leading to a loan-to-deposit ratio of approximately 90%, establishing a solid foundation for future growth, although non-core deposits declined.
- New Branch Opening: The opening of the new Northwest Houston branch provides full-service presence in one of the fastest-growing areas, further enhancing the company's market presence in Texas, which is expected to drive future customer growth and business expansion.
- Expense and Income Outlook: The company expects quarterly noninterest income to range between $3.8 million and $4 million, while noninterest expenses are projected to be between $23.3 million and $23.7 million, with management emphasizing continued focus on cost control and income diversification to navigate market uncertainties.
See More
Home Bancorp Q1 Earnings Exceed Expectations
- Strong Earnings Performance: Home Bancorp reported a Q1 GAAP EPS of $1.45, beating expectations by $0.06, indicating sustained profitability that is likely to positively impact stock performance.
- Stable Revenue Growth: The company achieved revenue of $38.22 million in Q1, reflecting a 6.9% year-over-year increase and exceeding market expectations by $4.82 million, showcasing successful strategies in revenue diversification and market demand.
- Loan and Deposit Dynamics: As of March 31, 2026, total loans amounted to $2.7 billion, down $15.9 million from the previous quarter, while total deposits increased by $54 million to $3.0 billion, highlighting ongoing improvements in deposit attractiveness.
- Asset Quality Concerns: Nonperforming assets totaled $39.9 million, or 1.12% of total assets, up from the previous quarter, primarily due to multiple loan relationships moving to nonaccrual status, necessitating attention to future asset quality management.
See More
