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← CockpitCompetitor Analysis › HBCP Home Bancorp, Inc.Open in the cockpit ↗

Home Bancorp, Inc.HBCPCompetitor analysis, valuation and peers

United States · USD·Financials›Regional Banks
Momentum weak 35
Mkt cap
$480M
US dollars, full cap
Free float
88%
of shares outstanding
$/day
$5.51M
20-day average traded
P/B
1.06×
price to book
ROE
10.2%
delivered
Implied ROE
7.7%
what the price asks
Next earnings
81 days
26 Jan 2027
Close · USD$60.94
1D+0.4%
1W+0.5%
1M-8.6%
3M-13.7%
6M-5.4%
YTD+5.4%
1Y+13.0%
ATR %2.9%
Beta0.34
52w lowhigh18.2% off high

What Home Bancorp does

Employees: 486

Home Bancorp at a glance

Size Home Bancorp (HBCP) is a United States Financials company (Regional Banks) with a market value of $480M, the 2727th largest of 3,117 United States companies the cockpit tracks. Shares closed at $60.94 on 6 Nov 2026.

Performance Over six months the shares fell 5.4%, against +13.8% for the median peer and -1.1% for the United States market (cap-weighted) — 5th lowest of 20 in its peer set.

Growth Revenue grew 1.0% over the last twelve months (peer median +2.7%); the operating margin is 36.5% (peer median 36.3%).

Valuation It trades at 1.06× book value against a peer median of 1.41× (6th cheapest of 21).

Price implies The share price implies a return on equity of about 7.7%; Home Bancorp delivers 10.2%, so the price asks less than the business earns today.

Short interest Short interest is 4.2% of the free float (15 Oct 2026).

Next results Next results expected around 26 Jan 2027 (exchange calendar; dates can move).

Relative performance

10011012011 May 202611 Aug 20266 Nov 2026Peer median 117HBCP 95
Six months, rebased to 100: Home Bancorp against the median of its 20 peers (local-currency closes).

Home Bancorp financials

Reported figures in USD; fiscal year ends 2025-12-31. TTM = trailing twelve months.
TTMFY2025FY2024FY2023FY2022
Revenue$209M$208M$199M$179M$139M
Revenue growth—+5%+11%+28%—
Net income$44.5M$46.1M$36.4M$40.2M$34.1M
Free cash flown/a$44.5M$44.8M$39.2M$46.8M
Capital expendituren/a$10.2M$4.06M$2.02M$7.71M
Total debt$54.8M$67.3M$246M$264M$245M

Quarterly statements and history in the cockpit →

Home Bancorp competitor charts

The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.

Performance: 6-month against 1-month return

-40%-20%0%+20%-20%0%DJURDABFRBA2139BMRCFMAOJSFBPBFSCBKMORROWGLKBNNRIM8550PLBCOBTRBBHBCP6-month return →1-month return →
Up and to the right = strong over both horizons. Home Bancorp is the large dot.

Fundamentals: return on equity against price-to-book

5%10%15%0.50×10×1.50×DJURPBAMDABFRBA2139BMRCFMAOCZNCJSFBPBFSCBKMORROWWTBAGLKBNNRIM8550PLBCOBTRBBBSRRHBCPReturn on equity →Price / book →
A bank or insurer earning more on its equity usually trades at a higher multiple of book; points far above the trend are priced for more. Home Bancorp is the large dot.

Capital: ROE delivered against the ROE the price implies

5%10%15%5%10%15%DJURPBAMDABFRBA2139BMRCFMAOCZNCJSFBPBFSCBKMORROWWTBAGLKBNNRIM8550PLBCOBTRBBBSRRHBCPROE delivered →ROE the price implies →
Above the diagonal = the price asks for a higher return on equity than the business earns today. Home Bancorp is the large dot.

Home Bancorp competitors and peer comparison

How Home Bancorp compares with its peers

Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.

Home Bancorp against its 20 peers (data as of 6 Nov 2026)
MeasureHBCPPeer medianRank in peer set
1-month return-8.6%+4.2%3rd lowest of 21
6-month return-5.4%+13.8%5th lowest of 20
Return on equity10.2%11.1%9th lowest of 21
Price / book1.06×1.41×6th cheapest of 21
Trailing P/E10.7×10.9×10th cheapest of 19
ROE the price implies7.7%8.7%7th least demanding of 21
ROE delivered10.2%11.2%9th lowest of 21

Peer table

Peer set: Industry: the same industry and sector in any market, nearest in size
CompanyMarketMarket cap6M returnRevenue growthROEPrice / bookImplied ROEDelivered ROE
Home Bancorp HBCPUnited States$480M-5%+1%10%1.06×7.7%10.2%
Djurslands Bank A/S DJUR.CODenmark$478M+27%+2%15%1.58×5.9%14.6%
Private Bancorp of America PBAMUnited States$484Mn/a+4%17%1.66×8.6%16.8%
Danske Andelskassers Bank A/S DAB.CODenmark$484M-8%-7%8%1.10×4.8%7.7%
First Bank FRBAUnited States$488M+30%+1%10%1.06×7.8%9.6%
Bank of Gansu 2139.HKHong Kong$467M-40%-4%2%0.10×3.2%1.8%
Bank of Marin Bancorp BMRCUnited States$462M+9%-19%-3%1.22×10.2%-2.9%
Farmers & Merchants Bancorp FMAOUnited States$500M+31%+7%11%1.29×10.3%11.3%
Citizens & Northern CZNCUnited States$501M+29%+25%11%1.46×8.5%11.0%
Jana Small Finance Bank JSFB.NSIndia$457M-13%+18%10%0.88×15.2%10.3%
Pioneer Bancorp PBFSUnited States$456M+26%+18%4%1.38×8.6%4.0%
Commercial Bancgroup CBKUnited States$448M+12%-1%15%1.44×9.2%14.6%
Morrow Bank MORROW.STSweden$518M+30%+4%11%1.57×5.7%11.4%
West Bancorporation WTBAUnited States$520M+27%0%15%1.92×13.1%15.5%
Glarner Kantonalbank GLKBN.SWSwitzerland$442M+19%-16%6%0.81×2.1%5.8%
Northrim BanCorp NRIMUnited States$523M-5%+3%17%1.47×12.6%16.6%
Tochigi Bank 8550.TJapan$527M-17%+26%5%0.50×5.9%5.4%
Plumas Bancorp PLBCUnited States$435M+20%+24%17%1.65×10.7%16.6%
Orange County Bancorp OBTUnited States$530M+14%+3%17%1.71×9.6%17.2%
RBB Bancorp RBBUnited States$433M+7%+4%8%0.81×8.8%8.4%
Sierra Bancorp BSRRUnited States$537M+9%-1%14%1.48×11.4%14.0%

Questions

Which companies are Home Bancorp's closest peers?
The cockpit's peer set: Djurslands Bank A/S (DJUR.CO), Private Bancorp of America (PBAM), Danske Andelskassers Bank A/S (DAB.CO), First Bank (FRBA), Bank of Gansu (2139.HK), Bank of Marin Bancorp (BMRC), Farmers & Merchants Bancorp (FMAO), Citizens & Northern (CZNC).
Is Home Bancorp expensive compared with its peers?
On price / book it trades at 1.06× against a peer median of 1.41×, 6th cheapest of 21 in its peer set. The share price implies a return on equity of about 7.7%; Home Bancorp delivers 10.2%, so the price asks less than the business earns today.
How has Home Bancorp stock performed?
Over six months to 6 Nov 2026 the shares returned -5.4% against +13.8% for the median peer; over one year +13.0%.

How these numbers are made. Returns are close-to-close in local currency. Revenue growth and margins are trailing twelve months. Req g is the revenue growth that today's enterprise value requires for seven years at the company's own cost of capital; Delivered g is what it actually grew; the gap is the hurdle (honest precision about ±8 points, so read the ranking more than the decimal). No fair values, price targets or analyst ratings are shown, by design. Method and validation.