What is Home Bancorp, Inc.'s (HBCP) StockRank?

MoatMap's StockRank for Home Bancorp, Inc. (HBCP) is 64/100, with a Hold signal. This is a composite score combining Quality (60), Value (47), and Momentum (52) factor ranks across MoatMap's universe of 25,000+ stocks.

Does Home Bancorp, Inc. have an economic moat?

Home Bancorp, Inc. (HBCP) has a Quality factor score of 60/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage: the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the financial characteristics of a moated business.

Is Home Bancorp, Inc. a buy, hold, or sell?

MoatMap's current signal for Home Bancorp, Inc. (HBCP) is Hold, based on a StockRank of 64/100. Signals are derived mechanically from the StockRank composite and should be one input among many; combine with your own thesis on management, competitive position, and valuation.

What sector is Home Bancorp, Inc. in?

Home Bancorp, Inc. (HBCP) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).

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HBCP

HoldPremium Grower

Home Bancorp, Inc. · Financial Services · United States · $547M · Avg Vol: $6M/d

StockRank

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P/E (TTM)

11.8x

ROE

10.8%

D/E

0.1x

Dividend %

1.7%

COMPANY DESCRIPTION

Home Bancorp, Inc. is the bank holding company for Home Bank, N.A., providing comprehensive community banking services across South Louisiana and Mississippi. The company's competitive moat is built on its deep regional market knowledge, strong customer relationships, and a commitment to personalized service for individuals and businesses. Home Bancorp offers a full suite of deposit, lending, and wealth management products, fostering financial growth in its local communities.

FINANCIAL SUMMARY (USD)

Year	2022	2023	2024	2025	CAGR	TTM	2026E	2027E	Fwd CAGR
Revenue	131.9M	135.3M	134.9M	148.7M	4.1%	152.0M	158.8M	165.9M	5.6%
EPS	4.19	5.01	4.58	5.93	12.3%	5.98	6.02	6.39	3.8%
Shares	8.3M	8.2M	8.1M	7.8M	-5.5%	7.9M	—	—	—
Debt	235.8M	252.5M	235.5M	57.7M	-37.4%	54.9M	—	—	—
Equity	330.0M	367.4M	396.1M	435.1M	9.7%	—	—	—	—
Op CF	51.2M	41.4M	48.7M	54.5M	2.1%	61.2M	—	—	—
Inv CF	-495.4M	-94.3M	-107.1M	-2.9M	—	—	—	—	—
Fin CF	-69.9M	41.3M	81.1M	-8.6M	—	—	—	—	—

Loading 1Y...

PRICE (1Y)-2.0%

SMA 50SMA 200

$69.47

RSI (14)

50.3

52W High

$74.50

From 52W High

0.9%

SCORE BREAKDOWN

Quality

ROIC (ROA)

1.3%*45.4

ROE

10.8%54.9

GP/Assets

4.4%N/A

Op. Margin

39.7%57.4

FCF/Assets

1.4%N/A

Piotroski

797.1

Int. Cover

—50.0

D/E Ratio

0.13xN/A

Current Ratio

bankN/A

Value

P/E (TTM)

11.8x57.7

EV/EBITDA

bankN/A

P/FCF

10.9xN/A

P/B

1.2x48.6

P/S

3.6x50.1

Div Yield

1.7%20.7

Momentum

52W High %

93%61.6

RS 6M

8%68.0

SMA 50/200

1.10x74.2

EPS Rev 4W

0.0%27.7

EPS Rev 12W

+1.0%56.8

EPS Improve

+6%27.5

Q Growth

3%29.7

FUNDAMENTALS

Market Cap

$547M

P/E (Forward)

11.1x

Gross Margin

—

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of HBCP are excluded.

Ticker	Company	Mkt Cap	StockRank	Signal
HBCP	Home Bancorp, Inc.(you)	$547M	64	Hold
UNTY	Unity Bancorp, Inc.	$590M	64	Hold
SFST	Southern First Bancshares, Inc.	$590M	63	Hold
AROW	Arrow Financial Corporation	$611M	63	Hold
NRIM	Northrim BanCorp, Inc.	$571M	67	Buy
CBK	Commercial Bancgroup, Inc.	$467M	63	Hold
CZNC	Citizens & Northern Corporation	$458M	65	Buy
BWB	Bridgewater Bancshares, Inc.	$594M	61	Hold
RRBI	Red River Bancshares, Inc.	$663M	62	Hold
KRNY	Kearny Financial Corp.	$638M	67	Buy

Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%

Price	$69.47
Market Cap	$547M
P/E (TTM)	11.77
P/E (Forward)	11.12
Price/Book	1.22
Return on Equity	10.8%
Debt/Equity	0.13x
Operating Margin	39.7%
Revenue Growth	3.8%
Dividend Yield	1.7%
Free Cash Flow	$50M