Home Bancorp, Inc. (HBCP) stock analysis

In our weekly check, Home Bancorp, Inc. is graded C (A to F). Of 25 checks on debt, profit, cash flow and trend: 17 pass, warnings: 2, red flags: 6.

About Home Bancorp, Inc.

Home Bancorp, Inc. is a Financial Services company (Banks - Regional) based in the United States, listed on NASDAQ as HBCP.

What our checks show for HBCP

Red flags

• The net margin fell by 18.4 points over 5 years, to 21%: the company keeps less of each sale as profit.
• The gross margin fell by 30.7 points, to 72.4%: costs are rising faster than prices.
• Analysts expect revenue to shrink about 8.6% a year.
• Recovering from its deepest fall took about 4.5 years.
• Thinly traded (about 77 thousand shares a day): buying and selling can move the price.

Warning signs

• A small company (market value $484 million): usually riskier and followed by fewer analysts.
• The stock has fallen as much as 60% from a peak. Would you have held through that?

Strengths

• Operating cash flow is 1.23x net profit: the profit arrives as real cash.
• Analysts expect the net margin to improve by 7.7 points from today's 21%.
• Earnings per share grew 11.1% a year over the last 3 years.
• The company keeps 21% of its revenue as net profit.
• Free cash flow is 21% of revenue: cash for dividends, buybacks or growth.
• The dividend takes 16% of profit: there is a cushion.

Similar companies

PBAM · OBT · RBB

Questions

What grade does Home Bancorp, Inc. (HBCP) have?

In our weekly check, Home Bancorp, Inc. is graded C (A to F). Of 25 checks on debt, profit, cash flow and trend: 17 pass, warnings: 2, red flags: 6. The grade is a risk check, not a buy or sell recommendation.

What are the main risks of HBCP stock?

This week's biggest flags for Home Bancorp, Inc.: Margins falling, Gross margin falling, Weak revenue forecast. In total 8 of 25 checks show a warning or a red flag.

What does Home Bancorp, Inc. do?

Home Bancorp, Inc. is a Financial Services company (Banks - Regional) based in the United States, listed on NASDAQ as HBCP.

The grade is a risk check, not a price forecast, and not investment advice. In our 10-year test (S&P 500, 2016-2026), stocks we graded A or B fell more than 30% 2-3 times less often than D or F, without a lower average return.

Updated 2026-10-24

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