Should I Buy HBCP? HBCP 2026 Analysis

Should You Buy Home Bancorp Inc (HBCP) Today? Analysis, Price Targets, and 2026 Outlook.

Conclusion

Buy

Latest Price

59.690

1 Day change

0.27%

52 Week Range

64.170

Analysis Updated At

2026/01/28

Buy now for a long-term beginner investor. HBCP just delivered a strong Q4 2025 earnings beat with solid YoY growth (revenue, EPS, and net income), and the stock is trading near support (~57.87) after a small pullback. While near-term momentum is mixed (MACD weakening), the longer-term trend remains bullish (SMA_5 > SMA_20 > SMA_200), making the current area a reasonable entry without waiting for a “perfect” dip.

Technical Analysis

Trend is long-term bullish but short-term momentum is soft. Moving averages are stacked bullish (SMA_5 > SMA_20 > SMA_200), suggesting an uptrend structure. However, MACD histogram is negative (-0.275) and expanding lower, indicating near-term downside/weak momentum persists. RSI(6) at ~34.33 is near oversold territory (not a strong reversal signal yet, but suggests selling pressure may be getting stretched). Key levels: price ~58.4 is below the pivot (60.606), with nearby support at S1 57.867 (then S2 56.175). Resistance sits at 63.345 (R1) and 65.037 (R2). Overall: constructive longer-term setup, with a near-term “dip/weakness” entry near support.

Options Data

Bearish

Open Interest Put-Call Ratio

Bullish

Option Volume Put-Call Ratio

Options liquidity looks very thin today (0 volume), so sentiment signals from volume are not reliable. Open interest Put/Call ratio is high at 3.29 (more puts than calls outstanding), which often implies cautious/bearish positioning or hedging. Implied volatility (30D) ~40.21 vs historical vol ~33.02 suggests options are pricing elevated uncertainty; IV rank ~9.28 and IV percentile ~30.92 indicate it’s not extremely elevated versus its own history. Net: positioning looks defensive, but the lack of trading volume reduces confidence in options-based sentiment.

Technical Summary

Sell

Buy

Positive Catalysts

Strong earnings catalyst: Q4 2025 GAAP EPS of $1.46 beat expectations; record net income reported.
Growth trend: Q4 2025 revenue +8.81% YoY, net income +17.97% YoY, EPS +20.66% YoY—supports a long-term compounding thesis.
Pattern-based forward trend estimate provided suggests positive drift over 1 week (+2.47%) and 1 month (+9.79%) probabilities based on similar candlestick setups.

Neutral/Negative Catalysts

Near-term technical momentum is weakening: MACD negative and deteriorating while price is below the pivot (60.606).
Options open interest is skewed bearish/defensive (Put/Call OI 3.29).
No notable hedge fund or insider accumulation trend reported recently (both neutral), reducing “smart money” confirmation.

Financial Performance

Latest quarter: 2025/Q4. Revenue rose to 34,645,000 (+8.81% YoY). Net income increased to 11,411,000 (+17.97% YoY). EPS grew to 1.46 (+20.66% YoY). This is a clear positive growth snapshot, reinforced by the news describing record net income and an earnings beat—favorable for a long-term hold.

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

No analyst rating/price-target change data was provided, so a true recent trend in Wall Street ratings cannot be confirmed from this dataset. Based on the available fundamentals/news alone, the likely ‘pro’ case would focus on accelerating profitability and an earnings beat; the ‘con’ case would focus on near-term technical softness and defensive options positioning. No politician/congress trading activity was reported in the last 90 days, and hedge fund/insider trend data is neutral.

1 Analyst Rating

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 USD with a low forecast of 62 USD and a high forecast of 62 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 Buy

0 Hold

0 Sell

Moderate Buy

Current: 59.530

Low

Averages

High

Current: 59.530

Low

Averages

High

Raymond James

Outperform

maintain

$52 -> $62

AI Analysis

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

HBCP Should I Buy

HBCP Should I Buy

Should You Buy Home Bancorp Inc (HBCP) Today? Analysis, Price Targets, and 2026 Outlook.

Technical Analysis

Options Data

Technical Summary

Positive Catalysts

Neutral/Negative Catalysts

Financial Performance

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

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