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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 0.64
HBCP's Cash to Debt is ranked higher than
69% of the 1566 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.48 vs. HBCP: 0.64 )
HBCP' s 10-Year Cash to Debt Range
Min: 0.22   Max: No Debt
Current: 0.64

Equity to Asset 0.12
HBCP's Equity to Asset is ranked higher than
85% of the 2010 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.09 vs. HBCP: 0.12 )
HBCP' s 10-Year Equity to Asset Range
Min: 0.1   Max: 0.25
Current: 0.12

0.1
0.25
Interest Coverage 3.15
HBCP's Interest Coverage is ranked higher than
84% of the 1837 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.30 vs. HBCP: 3.15 )
HBCP' s 10-Year Interest Coverage Range
Min: 0.44   Max: 3.15
Current: 3.15

0.44
3.15
F-Score: 5
Z-Score: 0.28
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 : 9/10

vs
industry
vs
history
Operating margin (%) 23.78
HBCP's Operating margin (%) is ranked higher than
66% of the 2021 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 29.33 vs. HBCP: 23.78 )
HBCP' s 10-Year Operating margin (%) Range
Min: 17.58   Max: 35.77
Current: 23.78

17.58
35.77
Net-margin (%) 15.59
HBCP's Net-margin (%) is ranked higher than
64% of the 2021 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.41 vs. HBCP: 15.59 )
HBCP' s 10-Year Net-margin (%) Range
Min: 12.29   Max: 23.61
Current: 15.59

12.29
23.61
ROE (%) 6.04
HBCP's ROE (%) is ranked higher than
65% of the 2031 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.59 vs. HBCP: 6.04 )
HBCP' s 10-Year ROE (%) Range
Min: 3.08   Max: 6.98
Current: 6.04

3.08
6.98
ROA (%) 0.77
HBCP's ROA (%) is ranked higher than
72% of the 2034 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.80 vs. HBCP: 0.77 )
HBCP' s 10-Year ROA (%) Range
Min: 0.57   Max: 0.95
Current: 0.77

0.57
0.95
ROC (Joel Greenblatt) (%) 23.83
HBCP's ROC (Joel Greenblatt) (%) is ranked higher than
58% of the 2003 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 76.89 vs. HBCP: 23.83 )
HBCP' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 19.54   Max: 80.6
Current: 23.83

19.54
80.6
Revenue Growth (3Y)(%) 17.70
HBCP's Revenue Growth (3Y)(%) is ranked higher than
96% of the 1740 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.20 vs. HBCP: 17.70 )
HBCP' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0   Max: 28.5
Current: 17.7

0
28.5
EBITDA Growth (3Y)(%) 13.50
HBCP's EBITDA Growth (3Y)(%) is ranked higher than
83% of the 1563 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.60 vs. HBCP: 13.50 )
HBCP' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 28.1
Current: 13.5

0
28.1
EPS Growth (3Y)(%) 19.60
HBCP's EPS Growth (3Y)(%) is ranked higher than
86% of the 1547 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.90 vs. HBCP: 19.60 )
HBCP' s 10-Year EPS Growth (3Y)(%) Range
Min: 0   Max: 30.2
Current: 19.6

0
30.2
» HBCP's 10-Y Financials

Financials


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

» Details

Guru Trades

Q4 2013

HBCP Guru Trades in Q4 2013

Charles Brandes 80,711 sh (+50%)
Jim Simons 55,300 sh (+2.69%)
» More
Q1 2014

HBCP Guru Trades in Q1 2014

Charles Brandes 80,861 sh (+0.19%)
Jim Simons 52,500 sh (-5.06%)
» More
Q2 2014

HBCP Guru Trades in Q2 2014

Jim Simons 66,700 sh (+27.05%)
Charles Brandes 80,591 sh (-0.33%)
» More
Q3 2014

HBCP Guru Trades in Q3 2014

Jim Simons 72,500 sh (+8.7%)
Charles Brandes 79,706 sh (-1.1%)
» 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%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Charles Brandes 2013-12-31 Add 50%0.01%$17.4 - $19.06 $ 23.0626%80711
Charles Brandes 2012-12-31 New Buy0.01%$16.84 - $19.15 $ 23.0626%51822
Charles Brandes 2012-09-30 Sold Out 0.01%$16.21 - $18.28 $ 23.0634%0
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 18.10
HBCP's P/E(ttm) is ranked higher than
73% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 17.80 vs. HBCP: 18.10 )
HBCP' s 10-Year P/E(ttm) Range
Min: 7.21   Max: 32.43
Current: 18.1

7.21
32.43
P/B 1.08
HBCP's P/B is ranked higher than
80% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.33 vs. HBCP: 1.08 )
HBCP' s 10-Year P/B Range
Min: 0.63   Max: 1.09
Current: 1.08

0.63
1.09
P/S 2.83
HBCP's P/S is ranked higher than
80% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.56 vs. HBCP: 2.83 )
HBCP' s 10-Year P/S Range
Min: 2.02   Max: 4.36
Current: 2.83

2.02
4.36
PFCF 7.34
HBCP's PFCF is ranked higher than
90% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. HBCP: 7.34 )
HBCP' s 10-Year PFCF Range
Min: 6.38   Max: 80.24
Current: 7.34

6.38
80.24
EV-to-EBIT 14.89
HBCP's EV-to-EBIT is ranked higher than
77% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 19.47 vs. HBCP: 14.89 )
HBCP' s 10-Year EV-to-EBIT Range
Min: 8.3   Max: 27.1
Current: 14.89

8.3
27.1
PEG 0.90
HBCP's PEG is ranked higher than
92% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. HBCP: 0.90 )
HBCP' s 10-Year PEG Range
Min: 0.21   Max: 0.7
Current: 0.9

0.21
0.7
Shiller P/E 21.33
HBCP's Shiller P/E is ranked higher than
84% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. HBCP: 21.33 )
HBCP' s 10-Year Shiller P/E Range
Min: 16.88   Max: 21.38
Current: 21.33

16.88
21.38

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.30
HBCP's Dividend Yield is ranked lower than
96% of the 1876 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.32 vs. HBCP: 0.30 )
HBCP' s 10-Year Dividend Yield Range
Min: 0   Max: 0
Current: 0.3

Yield on cost (5-Year) 0.30
HBCP's Yield on cost (5-Year) is ranked lower than
93% of the 1889 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.53 vs. HBCP: 0.30 )
HBCP' s 10-Year Yield on cost (5-Year) Range
Min: 0   Max: 0
Current: 0.3

Share Buyback Rate 3.10
HBCP's Share Buyback Rate is ranked higher than
95% of the 1472 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.80 vs. HBCP: 3.10 )
HBCP' s 10-Year Share Buyback Rate Range
Min: 0   Max: -52.1
Current: 3.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.08
HBCP's Price/Tangible Book is ranked higher than
83% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.58 vs. HBCP: 1.08 )
HBCP' s 10-Year Price/Tangible Book Range
Min: 0.68   Max: 1.06
Current: 1.08

0.68
1.06
Price/DCF (Projected) 0.67
HBCP's Price/DCF (Projected) is ranked higher than
85% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.09 vs. HBCP: 0.67 )
HBCP' s 10-Year Price/DCF (Projected) Range
Min: 0.62   Max: 0.85
Current: 0.67

0.62
0.85
Price/Median PS Value 1.01
HBCP's Price/Median PS Value is ranked higher than
85% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.21 vs. HBCP: 1.01 )
HBCP' s 10-Year Price/Median PS Value Range
Min: 0.76   Max: 1.55
Current: 1.01

0.76
1.55
Price/Peter Lynch Fair Value 0.72
HBCP's Price/Peter Lynch Fair Value is ranked higher than
95% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. HBCP: 0.72 )
HBCP' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.68   Max: 0.83
Current: 0.72

0.68
0.83
Price/Graham Number 0.95
HBCP's Price/Graham Number is ranked higher than
79% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.15 vs. HBCP: 0.95 )
HBCP' s 10-Year Price/Graham Number Range
Min: 0.79   Max: 1.14
Current: 0.95

0.79
1.14
Earnings Yield (Greenblatt) 6.70
HBCP's Earnings Yield (Greenblatt) is ranked higher than
74% of the 1996 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.60 vs. HBCP: 6.70 )
HBCP' s 10-Year Earnings Yield (Greenblatt) Range
Min: 3.7   Max: 12.1
Current: 6.7

3.7
12.1
Forward Rate of Return (Yacktman) 32.83
HBCP's Forward Rate of Return (Yacktman) is ranked higher than
86% of the 1246 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.25 vs. HBCP: 32.83 )
HBCP' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 0.7   Max: 90.1
Current: 32.83

0.7
90.1

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare: » details
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.
» 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/A, Regulation FD Disclosure, Financial Statements and Exhibits Dec 18 2014
HOME BANCORP, INC. Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits Dec 15 2014
HOME BANCORP, INC. Files SEC form 8-K, Change in Directors or Principal Officers Dec 12 2014
HOME BANCORP, INC. Files SEC form 8-K, Other Events, Financial Statements and Exhibits Nov 25 2014
Home Bancorp Declares Cash Dividend Of $0.07 Per Share Nov 24 2014
Home Bancorp Declares Cash Dividend Of $0.07 Per Share Nov 24 2014
HOME BANCORP, INC. Financials Nov 15 2014
10-Q for Home Bancorp, Inc. Nov 10 2014
HOME BANCORP, INC. Files SEC form 10-Q, Quarterly Report Nov 07 2014
HOME BANCORP, INC. Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Oct 28 2014
Home Bancorp Announces 2014 Third Quarter Results Oct 28 2014
HOME BANCORP, INC. Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits Sep 03 2014
Why Home Bancorp (HBCP) Stock Might be a Great Pick Aug 29 2014
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Home Bancorp Announces 2014 Second Quarter Results Jul 29 2014
HOME BANCORP, INC. Files SEC form 8-K, Change in Directors or Principal Officers, Financial... May 23 2014
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HOME BANCORP, INC. Files SEC form 10-K, Annual Report Mar 14 2014
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