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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 1.43
HBCP's Cash to Debt is ranked higher than
50% of the 972 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.45 vs. HBCP: 1.43 )
Ranked among companies with meaningful Cash to Debt only.
HBCP' s 10-Year Cash to Debt Range
Min: 0.22   Max: N/A
Current: 1.43

Equity to Asset 0.13
HBCP's Equity to Asset is ranked higher than
73% of the 1285 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. HBCP: 0.13 )
Ranked among companies with meaningful Equity to Asset only.
HBCP' s 10-Year Equity to Asset Range
Min: 0.1   Max: 0.25
Current: 0.13

0.1
0.25
Interest Coverage 4.59
HBCP's Interest Coverage is ranked higher than
78% of the 1197 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.68 vs. HBCP: 4.59 )
Ranked among companies with meaningful Interest Coverage only.
HBCP' s 10-Year Interest Coverage Range
Min: 0.44   Max: 4.59
Current: 4.59

0.44
4.59
F-Score: 4
Z-Score: 0.30
WACC vs ROIC
3.78%
6.65%
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 : 7/10

vs
industry
vs
history
Operating margin (%) 28.72
HBCP's Operating margin (%) is ranked lower than
51% of the 1348 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 29.14 vs. HBCP: 28.72 )
Ranked among companies with meaningful Operating margin (%) only.
HBCP' s 10-Year Operating margin (%) Range
Min: 19.39   Max: 35.77
Current: 28.72

19.39
35.77
Net-margin (%) 18.71
HBCP's Net-margin (%) is ranked lower than
59% of the 1348 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.21 vs. HBCP: 18.71 )
Ranked among companies with meaningful Net-margin (%) only.
HBCP' s 10-Year Net-margin (%) Range
Min: 12.8   Max: 23.61
Current: 18.71

12.8
23.61
ROE (%) 7.48
HBCP's ROE (%) is ranked lower than
55% of the 1345 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.23 vs. HBCP: 7.48 )
Ranked among companies with meaningful ROE (%) only.
HBCP' s 10-Year ROE (%) Range
Min: 3.08   Max: 6.98
Current: 7.48

3.08
6.98
ROA (%) 0.91
HBCP's ROA (%) is ranked higher than
58% of the 1352 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.81 vs. HBCP: 0.91 )
Ranked among companies with meaningful ROA (%) only.
HBCP' s 10-Year ROA (%) Range
Min: 0.57   Max: 0.95
Current: 0.91

0.57
0.95
ROC (Joel Greenblatt) (%) 35.80
HBCP's ROC (Joel Greenblatt) (%) is ranked lower than
71% of the 1334 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 75.42 vs. HBCP: 35.80 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
HBCP' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 19.54   Max: 80.6
Current: 35.8

19.54
80.6
Revenue Growth (3Y)(%) 15.60
HBCP's Revenue Growth (3Y)(%) is ranked higher than
89% of the 1133 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.70 vs. HBCP: 15.60 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
HBCP' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0   Max: 28.8
Current: 15.6

0
28.8
EBITDA Growth (3Y)(%) 14.30
HBCP's EBITDA Growth (3Y)(%) is ranked higher than
70% of the 986 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.40 vs. HBCP: 14.30 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
HBCP' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 28.1
Current: 14.3

0
28.1
EPS Growth (3Y)(%) 26.00
HBCP's EPS Growth (3Y)(%) is ranked higher than
81% of the 1002 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.10 vs. HBCP: 26.00 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
HBCP' s 10-Year EPS Growth (3Y)(%) Range
Min: 0   Max: 30.2
Current: 26

0
30.2
» HBCP's 10-Y Financials

Financials


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

» Details

Guru Trades

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 (+8.70%)
Charles Brandes 79,706 sh (-1.10%)
» More
Q4 2014

HBCP Guru Trades in Q4 2014

Jim Simons 81,000 sh (+11.72%)
Charles Brandes 79,221 sh (-0.61%)
» More
Q1 2015

HBCP Guru Trades in Q1 2015

Jim Simons 85,100 sh (+5.06%)
Charles Brandes 79,651 sh (+0.54%)
» 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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Ratios

vs
industry
vs
history
P/E(ttm) 13.60
HBCP's P/E(ttm) is ranked higher than
53% of the 1436 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.10 vs. HBCP: 13.60 )
Ranked among companies with meaningful P/E(ttm) only.
HBCP' s 10-Year P/E(ttm) Range
Min: 7.21   Max: 32.43
Current: 13.6

7.21
32.43
Forward P/E 13.02
HBCP's Forward P/E is ranked lower than
63% of the 1316 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.14 vs. HBCP: 13.02 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 13.80
HBCP's PE(NRI) is ranked higher than
52% of the 1210 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.10 vs. HBCP: 13.80 )
Ranked among companies with meaningful PE(NRI) only.
HBCP' s 10-Year PE(NRI) Range
Min: 7.17   Max: 32.43
Current: 13.8

7.17
32.43
P/B 1.00
HBCP's P/B is ranked higher than
59% of the 1634 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.10 vs. HBCP: 1.00 )
Ranked among companies with meaningful P/B only.
HBCP' s 10-Year P/B Range
Min: 0.63   Max: 1.08
Current: 1

0.63
1.08
P/S 2.57
HBCP's P/S is ranked higher than
58% of the 2101 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.90 vs. HBCP: 2.57 )
Ranked among companies with meaningful P/S only.
HBCP' s 10-Year P/S Range
Min: 2.43   Max: 4.36
Current: 2.57

2.43
4.36
PFCF 5.60
HBCP's PFCF is ranked higher than
67% of the 1116 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.80 vs. HBCP: 5.60 )
Ranked among companies with meaningful PFCF only.
HBCP' s 10-Year PFCF Range
Min: 5.15   Max: 37.61
Current: 5.6

5.15
37.61
POCF 5.01
HBCP's POCF is ranked higher than
68% of the 961 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.38 vs. HBCP: 5.01 )
Ranked among companies with meaningful POCF only.
HBCP' s 10-Year POCF Range
Min: 4.72   Max: 100.86
Current: 5.01

4.72
100.86
EV-to-EBIT 8.61
HBCP's EV-to-EBIT is ranked higher than
78% of the 1371 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.34 vs. HBCP: 8.61 )
Ranked among companies with meaningful EV-to-EBIT only.
HBCP' s 10-Year EV-to-EBIT Range
Min: -1.2   Max: 27.1
Current: 8.61

-1.2
27.1
PEG 0.57
HBCP's PEG is ranked higher than
78% of the 513 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.11 vs. HBCP: 0.57 )
Ranked among companies with meaningful PEG only.
HBCP' s 10-Year PEG Range
Min: 0.23   Max: 0.76
Current: 0.57

0.23
0.76
Shiller P/E 22.00
HBCP's Shiller P/E is ranked lower than
70% of the 1029 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 17.00 vs. HBCP: 22.00 )
Ranked among companies with meaningful Shiller P/E only.
HBCP' s 10-Year Shiller P/E Range
Min: 16.88   Max: 23.8
Current: 22

16.88
23.8
Days Sales Outstanding 220.47
HBCP's Days Sales Outstanding is ranked lower than
88% of the 771 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 34.67 vs. HBCP: 220.47 )
Ranked among companies with meaningful Days Sales Outstanding only.
HBCP' s 10-Year Days Sales Outstanding Range
Min: 39.79   Max: 570.18
Current: 220.47

39.79
570.18

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.94
HBCP's Dividend Yield is ranked lower than
93% of the 2101 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.50 vs. HBCP: 0.94 )
Ranked among companies with meaningful Dividend Yield only.
HBCP' s 10-Year Dividend Yield Range
Min: 0.3   Max: 0.66
Current: 0.94

0.3
0.66
Dividend Payout 0.09
HBCP's Dividend Payout is ranked higher than
95% of the 1297 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.32 vs. HBCP: 0.09 )
Ranked among companies with meaningful Dividend Payout only.
HBCP' s 10-Year Dividend Payout Range
Min: 0.17   Max: 0.17
Current: 0.09

Yield on cost (5-Year) 0.90
HBCP's Yield on cost (5-Year) is ranked lower than
92% of the 2099 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.00 vs. HBCP: 0.90 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
HBCP' s 10-Year Yield on cost (5-Year) Range
Min: 0.3   Max: 0.66
Current: 0.9

0.3
0.66
Share Buyback Rate 1.40
HBCP's Share Buyback Rate is ranked higher than
84% of the 917 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.40 vs. HBCP: 1.40 )
Ranked among companies with meaningful Share Buyback Rate only.
HBCP' s 10-Year Share Buyback Rate Range
Min: 0   Max: -52.1
Current: 1.4

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.00
HBCP's Price/Tangible Book is ranked higher than
67% of the 1633 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.30 vs. HBCP: 1.00 )
Ranked among companies with meaningful Price/Tangible Book only.
HBCP' s 10-Year Price/Tangible Book Range
Min: 0.68   Max: 1.07
Current: 1

0.68
1.07
Price/DCF (Projected) 0.50
HBCP's Price/DCF (Projected) is ranked higher than
70% of the 956 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.70 vs. HBCP: 0.50 )
Ranked among companies with meaningful Price/DCF (Projected) only.
HBCP' s 10-Year Price/DCF (Projected) Range
Min: 0.52   Max: 1.03
Current: 0.5

0.52
1.03
Price/Median PS Value 0.90
HBCP's Price/Median PS Value is ranked higher than
78% of the 1616 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.10 vs. HBCP: 0.90 )
Ranked among companies with meaningful Price/Median PS Value only.
HBCP' s 10-Year Price/Median PS Value Range
Min: 0.86   Max: 1.51
Current: 0.9

0.86
1.51
Price/Peter Lynch Fair Value 0.70
HBCP's Price/Peter Lynch Fair Value is ranked higher than
70% of the 472 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.20 vs. HBCP: 0.70 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
HBCP' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.63   Max: 0.83
Current: 0.7

0.63
0.83
Price/Graham Number 0.80
HBCP's Price/Graham Number is ranked higher than
59% of the 1425 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.90 vs. HBCP: 0.80 )
Ranked among companies with meaningful Price/Graham Number only.
HBCP' s 10-Year Price/Graham Number Range
Min: 0.76   Max: 1.14
Current: 0.8

0.76
1.14
Earnings Yield (Greenblatt) 11.70
HBCP's Earnings Yield (Greenblatt) is ranked higher than
80% of the 1505 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.80 vs. HBCP: 11.70 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) only.
HBCP' s 10-Year Earnings Yield (Greenblatt) Range
Min: 3.7   Max: 12.7
Current: 11.7

3.7
12.7
Forward Rate of Return (Yacktman) 29.33
HBCP's Forward Rate of Return (Yacktman) is ranked higher than
71% of the 761 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.69 vs. HBCP: 29.33 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) only.
HBCP' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 0.7   Max: 80.6
Current: 29.33

0.7
80.6

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, Change in Directors or Principal Officers, Financial... May 28 2015
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HOME BANCORP, INC. Files SEC form 10-Q, Quarterly Report May 11 2015
HOME BANCORP, INC. Files SEC form 8-K, Submission of Matters to a Vote of Security Holders May 08 2015
10-K for Home Bancorp, Inc. May 05 2015
HOME BANCORP, INC. Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits May 04 2015
HOME BANCORP, INC. Files SEC form 8-K, Change in Directors or Principal Officers, Financial... Apr 30 2015
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Home Bancorp posts 1Q profit Apr 28 2015
HOME BANCORP, INC. Files SEC form 8-K, Results of Operations and Financial Condition, Other Events,... Apr 28 2015
Home Bancorp Reports 2015 First Quarter Results And Declares A Quarterly Dividend Apr 28 2015
HOME BANCORP, INC. Files SEC form 10-K, Annual Report Mar 13 2015
HOME BANCORP, INC. Files SEC form 8-K, Change in Directors or Principal Officers, Financial... Mar 09 2015
Jason Freyou Joins Home Bancorp As Chief Operations Officer Mar 09 2015
Jason Freyou Joins Home Bancorp As Chief Operations Officer Mar 09 2015
HOME BANCORP, INC. Files SEC form 8-K, Other Events, Financial Statements and Exhibits Mar 02 2015
Home Bancorp, Inc. Announces Conversion To A National Bank Charter Mar 02 2015
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