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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 0.20
HBCP's Cash to Debt is ranked lower than
86% of the 1188 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.15 vs. HBCP: 0.20 )
Ranked among companies with meaningful Cash to Debt only.
HBCP' s Cash to Debt Range Over the Past 10 Years
Min: 0.19  Med: 1.05 Max: N/A
Current: 0.2
Equity to Asset 0.11
HBCP's Equity to Asset is ranked higher than
56% of the 1677 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. HBCP: 0.11 )
Ranked among companies with meaningful Equity to Asset only.
HBCP' s Equity to Asset Range Over the Past 10 Years
Min: 0.1  Med: 0.14 Max: 0.25
Current: 0.11
0.1
0.25
Interest Coverage 4.57
HBCP's Interest Coverage is ranked higher than
79% of the 1565 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.64 vs. HBCP: 4.57 )
Ranked among companies with meaningful Interest Coverage only.
HBCP' s Interest Coverage Range Over the Past 10 Years
Min: 0.44  Med: 1.35 Max: 4.97
Current: 4.57
0.44
4.97
F-Score: 5
M-Score: -3.02
WACC vs ROIC
1.48%
5.96%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 8/10

vs
industry
vs
history
Operating margin (%) 29.85
HBCP's Operating margin (%) is ranked lower than
53% of the 1693 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 31.14 vs. HBCP: 29.85 )
Ranked among companies with meaningful Operating margin (%) only.
HBCP' s Operating margin (%) Range Over the Past 10 Years
Min: 17.58  Med: 25.67 Max: 35.77
Current: 29.85
17.58
35.77
Net-margin (%) 19.47
HBCP's Net-margin (%) is ranked lower than
61% of the 1694 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.52 vs. HBCP: 19.47 )
Ranked among companies with meaningful Net-margin (%) only.
HBCP' s Net-margin (%) Range Over the Past 10 Years
Min: 12.29  Med: 17.46 Max: 23.61
Current: 19.47
12.29
23.61
ROE (%) 8.04
HBCP's ROE (%) is ranked lower than
52% of the 1689 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.37 vs. HBCP: 8.04 )
Ranked among companies with meaningful ROE (%) only.
HBCP' s ROE (%) Range Over the Past 10 Years
Min: 3.08  Med: 5.91 Max: 8.77
Current: 8.04
3.08
8.77
ROA (%) 0.92
HBCP's ROA (%) is ranked higher than
52% of the 1698 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.89 vs. HBCP: 0.92 )
Ranked among companies with meaningful ROA (%) only.
HBCP' s ROA (%) Range Over the Past 10 Years
Min: 0.57  Med: 0.85 Max: 1
Current: 0.92
0.57
1
Revenue Growth (3Y)(%) 10.10
HBCP's Revenue Growth (3Y)(%) is ranked higher than
77% of the 1391 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.70 vs. HBCP: 10.10 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
HBCP' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 10.10 Max: 28.6
Current: 10.1
0
28.6
EBITDA Growth (3Y)(%) 20.60
HBCP's EBITDA Growth (3Y)(%) is ranked higher than
80% of the 1291 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.90 vs. HBCP: 20.60 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
HBCP' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 13.40 Max: 28
Current: 20.6
0
28
EPS Growth (3Y)(%) 11.90
HBCP's EPS Growth (3Y)(%) is ranked higher than
62% of the 1270 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.40 vs. HBCP: 11.90 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
HBCP' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 11.90 Max: 30.1
Current: 11.9
0
30.1
» HBCP's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow
Oprt. Cash Flow & Net Income

» Details

Guru Trades

Q2 2015

HBCP Guru Trades in Q2 2015

Charles Brandes 88,036 sh (+10.53%)
Jim Simons 90,300 sh (+6.11%)
» More
Q3 2015

HBCP Guru Trades in Q3 2015

Jim Simons 103,600 sh (+14.73%)
Charles Brandes 88,211 sh (+0.20%)
» More
Q4 2015

HBCP Guru Trades in Q4 2015

Charles Brandes 96,581 sh (+9.49%)
Jim Simons 112,100 sh (+8.20%)
» More
Q1 2016

HBCP Guru Trades in Q1 2016

Jim Simons 115,900 sh (+3.39%)
Charles Brandes 89,404 sh (-7.43%)
» More
» Details

Insider Trades

Latest Guru Trades with HBCP

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:NAS:HMST, NAS:ABCW, NAS:OCFC, NAS:WSBF, NAS:CASH, NZSE:HBL » details
Home Bancorp Inc is a holding company for Home Bank. The Company along with its subsidiary attracts deposits from the general public and uses those funds to invest in loans and securities.

Home Bancorp Inc was organized by Home Bank in May 2008. The Bank is mainly engaged in attracting deposits from the general public and using those funds to invest in loans and securities. Its main 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 or FHLB of Dallas. These funds are mainly 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, multi-family residential loans, commercial and industrial loans and consumer loans. The Bank derives its income mainly from interest earned on loans and investment securities and, to a lesser extent, from fees received in connection with the origination of loans, service charges on deposit accounts and for other services. The Bank's main expenses are interest expense on deposits and borrowings and general operating expenses. The Bank has four primary market areas across south Louisiana: Greater Lafayette, Baton Rouge, Greater New Orleans and the Northshore. The Company faces competition from other financial institutions, including savings and loan associations, savings banks, finance companies, credit unions and other providers of financial services, such as money market mutual funds, brokerage firms, consumer finance companies and insurance companies. The Bank is subject to federal regulation and oversight by the Office of the Comptroller of the Currency. The Bank is also subject to regulation and examination by the FDIC, which insures the deposits of the Bank to the maximum extent permitted by law, and requirements established by the Federal Reserve Board.

Ratios

vs
industry
vs
history
P/E(ttm) 15.22
HBCP's P/E(ttm) is ranked lower than
64% of the 1632 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.48 vs. HBCP: 15.22 )
Ranked among companies with meaningful P/E(ttm) only.
HBCP' s P/E(ttm) Range Over the Past 10 Years
Min: 7.21  Med: 16.62 Max: 32.43
Current: 15.22
7.21
32.43
Forward P/E 12.32
HBCP's Forward P/E is ranked lower than
58% of the 399 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.51 vs. HBCP: 12.32 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 15.22
HBCP's PE(NRI) is ranked lower than
64% of the 1590 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.53 vs. HBCP: 15.22 )
Ranked among companies with meaningful PE(NRI) only.
HBCP' s PE(NRI) Range Over the Past 10 Years
Min: 7.17  Med: 16.59 Max: 32.43
Current: 15.22
7.17
32.43
Price/Owner Earnings (ttm) 5.74
HBCP's Price/Owner Earnings (ttm) is ranked higher than
77% of the 871 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.93 vs. HBCP: 5.74 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
HBCP' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 5.17  Med: 8.65 Max: 25.69
Current: 5.74
5.17
25.69
P/B 1.21
HBCP's P/B is ranked lower than
64% of the 1697 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.03 vs. HBCP: 1.21 )
Ranked among companies with meaningful P/B only.
HBCP' s P/B Range Over the Past 10 Years
Min: 0.63  Med: 0.93 Max: 1.21
Current: 1.21
0.63
1.21
P/S 2.94
HBCP's P/S is ranked lower than
51% of the 1697 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.92 vs. HBCP: 2.94 )
Ranked among companies with meaningful P/S only.
HBCP' s P/S Range Over the Past 10 Years
Min: 2.42  Med: 2.87 Max: 4.38
Current: 2.94
2.42
4.38
PFCF 6.23
HBCP's PFCF is ranked higher than
66% of the 907 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.99 vs. HBCP: 6.23 )
Ranked among companies with meaningful PFCF only.
HBCP' s PFCF Range Over the Past 10 Years
Min: 4.78  Med: 7.24 Max: 37.04
Current: 6.23
4.78
37.04
POCF 5.72
HBCP's POCF is ranked higher than
64% of the 1010 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.81 vs. HBCP: 5.72 )
Ranked among companies with meaningful POCF only.
HBCP' s POCF Range Over the Past 10 Years
Min: 4.67  Med: 6.76 Max: 99.44
Current: 5.72
4.67
99.44
EV-to-EBIT 14.79
HBCP's EV-to-EBIT is ranked lower than
58% of the 1568 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.90 vs. HBCP: 14.79 )
Ranked among companies with meaningful EV-to-EBIT only.
HBCP' s EV-to-EBIT Range Over the Past 10 Years
Min: -1.2  Med: 13.90 Max: 27.1
Current: 14.79
-1.2
27.1
EV-to-EBITDA 11.66
HBCP's EV-to-EBITDA is ranked higher than
50% of the 1571 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.75 vs. HBCP: 11.66 )
Ranked among companies with meaningful EV-to-EBITDA only.
HBCP' s EV-to-EBITDA Range Over the Past 10 Years
Min: -1  Med: 9.95 Max: 16.3
Current: 11.66
-1
16.3
PEG 0.82
HBCP's PEG is ranked higher than
61% of the 746 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.09 vs. HBCP: 0.82 )
Ranked among companies with meaningful PEG only.
HBCP' s PEG Range Over the Past 10 Years
Min: 0.24  Med: 0.58 Max: 0.87
Current: 0.82
0.24
0.87

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.24
HBCP's Dividend Yield is ranked lower than
86% of the 2261 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.05 vs. HBCP: 1.24 )
Ranked among companies with meaningful Dividend Yield only.
HBCP' s Dividend Yield Range Over the Past 10 Years
Min: 0.3  Med: 0.92 Max: 1.27
Current: 1.24
0.3
1.27
Dividend Payout 0.17
HBCP's Dividend Payout is ranked higher than
82% of the 1315 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.33 vs. HBCP: 0.17 )
Ranked among companies with meaningful Dividend Payout only.
HBCP' s Dividend Payout Range Over the Past 10 Years
Min: 0.14  Med: 0.17 Max: 0.2
Current: 0.17
0.14
0.2
Forward Dividend Yield 1.42
HBCP's Forward Dividend Yield is ranked lower than
86% of the 2133 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.23 vs. HBCP: 1.42 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 1.24
HBCP's Yield on cost (5-Year) is ranked lower than
85% of the 2524 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.53 vs. HBCP: 1.24 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
HBCP' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.3  Med: 0.92 Max: 1.27
Current: 1.24
0.3
1.27
3-Year Average Share Buyback Ratio 0.90
HBCP's 3-Year Average Share Buyback Ratio is ranked higher than
85% of the 1070 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.90 vs. HBCP: 0.90 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
HBCP' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: 0.9  Med: 4.60 Max: 0
Current: 0.9

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.21
HBCP's Price/Tangible Book is ranked lower than
57% of the 1698 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.10 vs. HBCP: 1.21 )
Ranked among companies with meaningful Price/Tangible Book only.
HBCP' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.68  Med: 0.95 Max: 1.15
Current: 1.21
0.68
1.15
Price/Projected FCF 0.52
HBCP's Price/Projected FCF is ranked higher than
66% of the 897 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.65 vs. HBCP: 0.52 )
Ranked among companies with meaningful Price/Projected FCF only.
HBCP' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.49  Med: 0.63 Max: 1.38
Current: 0.52
0.49
1.38
Price/Median PS Value 1.03
HBCP's Price/Median PS Value is ranked lower than
56% of the 1617 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.00 vs. HBCP: 1.03 )
Ranked among companies with meaningful Price/Median PS Value only.
HBCP' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.85  Med: 1.01 Max: 1.51
Current: 1.03
0.85
1.51
Price/Peter Lynch Fair Value 0.87
HBCP's Price/Peter Lynch Fair Value is ranked higher than
52% of the 441 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.89 vs. HBCP: 0.87 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
HBCP' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.53  Med: 0.72 Max: 0.83
Current: 0.87
0.53
0.83
Price/Graham Number 0.91
HBCP's Price/Graham Number is ranked lower than
57% of the 1517 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.83 vs. HBCP: 0.91 )
Ranked among companies with meaningful Price/Graham Number only.
HBCP' s Price/Graham Number Range Over the Past 10 Years
Min: 0.48  Med: 0.87 Max: 1.09
Current: 0.91
0.48
1.09
Earnings Yield (Greenblatt) (%) 6.84
HBCP's Earnings Yield (Greenblatt) (%) is ranked lower than
52% of the 1722 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.12 vs. HBCP: 6.84 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
HBCP' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 3.7  Med: 7.10 Max: 12.7
Current: 6.84
3.7
12.7
Forward Rate of Return (Yacktman) (%) 27.72
HBCP's Forward Rate of Return (Yacktman) (%) is ranked higher than
79% of the 861 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.71 vs. HBCP: 27.72 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
HBCP' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: 0.7  Med: 30.80 Max: 77.9
Current: 27.72
0.7
77.9

More Statistics

Revenue (TTM) (Mil) $67.03
EPS (TTM) $ 1.85
Beta-0.13
Short Percentage of Float0.11%
52-Week Range $21.29 - 28.95
Shares Outstanding (Mil)7.26

Analyst Estimate

Dec16 Dec17
Revenue (Mil $)
EPS ($) 2.25 2.29
EPS without NRI ($) 2.25 2.29
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
» More Articles for HBCP

Headlines

Articles On GuruFocus.com
Why Investors Should Keep Home Bancorp in Their Portfolios May 16 2013 
HOME BANCORP, INC. (HBCP) Executive Vice President & COO Scott T Sutton buys 2,000 Shares Nov 25 2009 
HOME BANCORP, INC. (HBCP) Executive Vice President & COO Scott T Sutton buys 1,500 Shares Jun 03 2009 
HOME BANCORP, INC. (HBCP) Executive Vice President & COO Scott T Sutton buys 2,000 Shares Jun 01 2009 
HOME BANCORP, INC. (HBCP) Executive Vice President & COO Scott T Sutton buys 2,000 Shares May 14 2009 

More From Other Websites
HOME BANCORP, INC. Files SEC form 8-K, Change in Directors or Principal Officers, Financial... May 26 2016
Home Bancorp Appoints Three To Board Of Directors May 23 2016
Home Bancorp Appoints Three To Board Of Directors May 23 2016
HOME BANCORP, INC. Financials May 17 2016
HOME BANCORP, INC. Files SEC form 8-K, Submission of Matters to a Vote of Security Holders May 11 2016
HOME BANCORP, INC. Files SEC form 10-Q, Quarterly Report May 09 2016
Home Bancorp, Inc. :HBCP-US: Earnings Analysis: Q1, 2016 By the Numbers May 05 2016
HOME BANCORP, INC. Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits May 02 2016
Home Bancorp posts 1Q profit Apr 26 2016
Home Bancorp posts 1Q profit Apr 26 2016
Home Bancorp Reports 2016 First Quarter Results, Increases Its Quarterly Dividend And Announces New... Apr 26 2016
HOME BANCORP, INC. Files SEC form 8-K, Results of Operations and Financial Condition, Regulation FD... Apr 26 2016
Home Bancorp Reports 2016 First Quarter Results, Increases Its Quarterly Dividend And Announces New... Apr 26 2016
HOME BANCORP, INC. Files SEC form 10-K, Annual Report Mar 14 2016
Seven New Homes Being Constructed Thanks to Affordable Housing Grant Feb 18 2016
Home Bancorp, Inc. Earnings Analysis: 2015 By the Numbers Feb 04 2016
HOME BANCORP, INC. Files SEC form 8-K, Results of Operations and Financial Condition, Other Events,... Jan 26 2016
Home Bancorp Announces 2015 Fourth Quarter And Annual Results And Increases Its Quarterly Dividend Jan 26 2016
Home Bancorp posts 4Q profit Jan 26 2016
Home Bancorp posts 4Q profit Jan 26 2016

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