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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 0.61
HBCP's Cash to Debt is ranked higher than
66% of the 1256 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.32 vs. HBCP: 0.61 )
HBCP' s 10-Year Cash to Debt Range
Min: 0.22   Max: No Debt
Current: 0.61

Equity to Asset 0.12
HBCP's Equity to Asset is ranked higher than
85% of the 1647 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
83% of the 1502 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.25 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: 7
Z-Score: 0.25
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 (%) 23.03
HBCP's Operating margin (%) is ranked higher than
65% of the 1646 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 29.41 vs. HBCP: 23.03 )
HBCP' s 10-Year Operating margin (%) Range
Min: 17.58   Max: 35.77
Current: 23.03

17.58
35.77
Net-margin (%) 15.23
HBCP's Net-margin (%) is ranked higher than
63% of the 1665 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.71 vs. HBCP: 15.23 )
HBCP' s 10-Year Net-margin (%) Range
Min: 12.29   Max: 23.61
Current: 15.23

12.29
23.61
ROE (%) 5.14
HBCP's ROE (%) is ranked higher than
62% of the 1668 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.17 vs. HBCP: 5.14 )
HBCP' s 10-Year ROE (%) Range
Min: 2.14   Max: 8.77
Current: 5.14

2.14
8.77
ROA (%) 0.74
HBCP's ROA (%) is ranked higher than
72% of the 1668 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.74 vs. HBCP: 0.74 )
HBCP' s 10-Year ROA (%) Range
Min: 0.51   Max: 1
Current: 0.74

0.51
1
ROC (Joel Greenblatt) (%) 13.43
HBCP's ROC (Joel Greenblatt) (%) is ranked higher than
54% of the 1618 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 73.28 vs. HBCP: 13.43 )
HBCP' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 13.43   Max: 58.64
Current: 13.43

13.43
58.64
Revenue Growth (%) 17.70
HBCP's Revenue Growth (%) is ranked higher than
96% of the 1450 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.00 vs. HBCP: 17.70 )
HBCP' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 28.5
Current: 17.7

0
28.5
EBITDA Growth (%) 13.50
HBCP's EBITDA Growth (%) is ranked higher than
82% of the 1306 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.50 vs. HBCP: 13.50 )
HBCP' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 28.1
Current: 13.5

0
28.1
EPS Growth (%) 19.60
HBCP's EPS Growth (%) is ranked higher than
85% of the 1296 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.20 vs. HBCP: 19.60 )
HBCP' s 10-Year EPS Growth (%) 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

Q3 2013

HBCP Guru Trades in Q3 2013

Jim Simons 53,852 sh (+10.01%)
Charles Brandes 53,807 sh (+4.05%)
» More
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
» 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 $ 21.6518%80711
Charles Brandes 2012-12-31 New Buy0.01%$16.84 - $19.15 $ 21.6519%51822
Charles Brandes 2012-09-30 Sold Out 0.01%$16.21 - $18.28 $ 21.6526%0
Premium More recent guru trades are included for Premium Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 17.60
HBCP's P/E(ttm) is ranked higher than
61% of the 1831 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.10 vs. HBCP: 17.60 )
HBCP' s 10-Year P/E(ttm) Range
Min: 7.21   Max: 32.43
Current: 17.6

7.21
32.43
P/B 1.00
HBCP's P/B is ranked higher than
76% of the 1831 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.20 vs. HBCP: 1.00 )
HBCP' s 10-Year P/B Range
Min: 0.63   Max: 1.08
Current: 1

0.63
1.08
P/S 2.80
HBCP's P/S is ranked higher than
61% of the 1831 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.06 vs. HBCP: 2.80 )
HBCP' s 10-Year P/S Range
Min: 2.02   Max: 4.36
Current: 2.8

2.02
4.36
PFCF 7.20
HBCP's PFCF is ranked higher than
80% of the 1831 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 24.14 vs. HBCP: 7.20 )
HBCP' s 10-Year PFCF Range
Min: 6.38   Max: 80.24
Current: 7.2

6.38
80.24
EV-to-EBIT 13.64
HBCP's EV-to-EBIT is ranked higher than
78% of the 1831 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 18.09 vs. HBCP: 13.64 )
HBCP' s 10-Year EV-to-EBIT Range
Min: 8.3   Max: 27.1
Current: 13.64

8.3
27.1
PEG 0.87
HBCP's PEG is ranked higher than
89% of the 1831 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. HBCP: 0.87 )
HBCP' s 10-Year PEG Range
Min: 0.22   Max: 0.57
Current: 0.87

0.22
0.57
Shiller P/E 20.50
HBCP's Shiller P/E is ranked higher than
74% of the 1831 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 55.69 vs. HBCP: 20.50 )
HBCP' s 10-Year Shiller P/E Range
Min: 16.88   Max: 21.29
Current: 20.5

16.88
21.29

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.00
HBCP's Price/Tangible Book is ranked higher than
78% of the 1831 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.40 vs. HBCP: 1.00 )
HBCP' s 10-Year Price/Tangible Book Range
Min: 0.68   Max: 1.03
Current: 1

0.68
1.03
Price/DCF (Projected) 0.60
HBCP's Price/DCF (Projected) is ranked higher than
85% of the 1831 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.60 vs. HBCP: 0.60 )
HBCP' s 10-Year Price/DCF (Projected) Range
Min: 0.6   Max: 0.81
Current: 0.6

0.6
0.81
Price/Median PS Value 1.00
HBCP's Price/Median PS Value is ranked higher than
77% of the 1831 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.10 vs. HBCP: 1.00 )
HBCP' s 10-Year Price/Median PS Value Range
Min: 0.76   Max: 1.55
Current: 1

0.76
1.55
Price/Peter Lynch Fair Value 0.70
HBCP's Price/Peter Lynch Fair Value is ranked higher than
90% of the 1831 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. HBCP: 0.70 )
HBCP' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.68   Max: 1.45
Current: 0.7

0.68
1.45
Price/Graham Number 0.90
HBCP's Price/Graham Number is ranked higher than
70% of the 1831 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.00 vs. HBCP: 0.90 )
HBCP' s 10-Year Price/Graham Number Range
Min: 0.79   Max: 1.14
Current: 0.9

0.79
1.14
Earnings Yield (Greenblatt) 7.20
HBCP's Earnings Yield (Greenblatt) is ranked higher than
68% of the 1599 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.90 vs. HBCP: 7.20 )
HBCP' s 10-Year Earnings Yield (Greenblatt) Range
Min: 3.7   Max: 12.1
Current: 7.2

3.7
12.1
Forward Rate of Return (Yacktman) 34.03
HBCP's Forward Rate of Return (Yacktman) is ranked higher than
86% of the 1295 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.09 vs. HBCP: 34.03 )
HBCP' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -3.2   Max: 82
Current: 34.03

-3.2
82

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare: » details
Home Bancorp, Inc., is a Louisiana corporation that became the holding Company for Home Bank in October 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 (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 (of Lake Ponchartrain). 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. Home Bank is subject to federal regulation and oversight by the Office of the Comptroller of the Currency ('OCC'). 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 ('FRB').
» 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. Financials Aug 19 2014
HOME BANCORP, INC. Files SEC form 10-Q, Quarterly Report Aug 08 2014
Home Bancorp Announces 2014 Second Quarter Results Jul 29 2014
Q2 2014 Home Bancorp Inc Earnings Release - Before Market Open Jul 29 2014
HOME BANCORP, INC. Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Jul 29 2014
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
HOME BANCORP, INC. Files SEC form 10-Q, Quarterly Report May 09 2014
HOME BANCORP, INC. Files SEC form 8-K, Change in Directors or Principal Officers, Submission of... May 07 2014
HOME BANCORP, INC. Files SEC form 8-K/A, Financial Statements and Exhibits May 02 2014
HOME BANCORP, INC. Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Apr 29 2014
Home Bancorp Announces 2014 First Quarter Results Apr 29 2014
HOME BANCORP, INC. Files SEC form 10-K, Annual Report Mar 14 2014
HOME BANCORP, INC. Files SEC form 8-K, Completion of Acquisition or Disposition of Assets, Other... Feb 18 2014
Home Bancorp Completes Acquisition Of Britton & Koontz Capital Corporation Feb 14 2014
Home Bancorp Completes Acquisition Of Britton & Koontz Capital Corporation Feb 14 2014
HOME BANCORP, INC. Files SEC form 8-K, Change in Directors or Principal Officers, Financial... Jan 31 2014
Home Bancorp Announces 2013 Fourth Quarter And Annual Results Jan 28 2014
HOME BANCORP, INC. Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Jan 28 2014
Home Bancorp Announces 2013 Fourth Quarter And Annual Results Jan 28 2014

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