Company Reports Q4 Net Loan Charge-Offs of $165,000
Written by Emily J. Thompson, Senior Investment Analyst
Updated: 4d ago
0mins
Reports Q4 net loan charge-offs $165,000 vs. $376,000 in the previous quarter. Reports Q4 NIM decreased 4 basis points to $4.06% from 4.10% for the Q3 primarily due to lower yield on interest-earning assets, partially offset by lower funding cost. "We are pleased with our overall fourth quarter and full year results," said John W. Bordelon, President and CEO of the Company and the Bank. "During the Q4, loan production increased and core deposits grew. Nonperforming assets increased for the quarter, but we do not anticipate any material losses. The net interest margin decreased to 4.06% for the quarter primarily due to lower loan yield and our ability to manage lower funding cost. The majority of our Certificates of Deposit will reprice within 120 days, which should continue to reduce deposit costs and have a positive impact on NIM. We remain well positioned to assist our customers with opportunities in the new year."
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Analyst Views on HBCP
Wall Street analysts forecast HBCP stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for HBCP is 62.00 USD with a low forecast of 62.00 USD and a high forecast of 62.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
1 Analyst Rating
1 Buy
0 Hold
0 Sell
Moderate Buy
Current: 59.530
Low
62.00
Averages
62.00
High
62.00
Current: 59.530
Low
62.00
Averages
62.00
High
62.00
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 Reports Record Earnings and Growth Outlook for 2026
- 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.
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HOME BANCORP Reports Increased Q4 Earnings, Beating Estimates
- 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.
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