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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 0.37
HBCP's Cash to Debt is ranked higher than
61% of the 1274 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.10 vs. HBCP: 0.37 )
HBCP' s 10-Year Cash to Debt Range
Min: 0.37   Max: 3.45
Current: 0.37

0.37
3.45
Equity to Asset 0.14
HBCP's Equity to Asset is ranked higher than
85% of the 1589 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. HBCP: 0.14 )
HBCP' s 10-Year Equity to Asset Range
Min: 0.12   Max: 0.25
Current: 0.14

0.12
0.25
Interest Coverage 3.15
HBCP's Interest Coverage is ranked higher than
86% of the 1350 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.10 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: 0.29
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 (%) 23.03
HBCP's Operating margin (%) is ranked higher than
64% of the 1455 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.05 vs. HBCP: 23.03 )
HBCP' s 10-Year Operating margin (%) Range
Min: 19.39   Max: 35.77
Current: 23.03

19.39
35.77
Net-margin (%) 15.23
HBCP's Net-margin (%) is ranked higher than
63% of the 1563 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 20.45 vs. HBCP: 15.23 )
HBCP' s 10-Year Net-margin (%) Range
Min: 12.8   Max: 23.61
Current: 15.23

12.8
23.61
ROE (%) 5.14
HBCP's ROE (%) is ranked higher than
61% of the 1547 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.96 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
70% of the 1556 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
52% of the 1430 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 78.30 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
95% of the 1281 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: 28.8
Current: 17.7

0
28.8
EBITDA Growth (%) 13.50
HBCP's EBITDA Growth (%) is ranked higher than
79% of the 1123 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.20 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
83% of the 1105 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.50 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

Q1 2013

HBCP Guru Trades in Q1 2013

Jim Simons 44,700 sh (+26.61%)
Charles Brandes 51,002 sh (-1.58%)
» More
Q2 2013

HBCP Guru Trades in Q2 2013

Jim Simons 48,953 sh (+9.51%)
Charles Brandes 51,712 sh (+1.39%)
» More
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
» Details

Insider Trades

Latest Guru Trades with HBCP

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 $ 20.059%80711
Charles Brandes 2012-12-31 New Buy0.01%$16.84 - $19.15 $ 20.0510%51822
Charles Brandes 2012-09-30 Sold Out 0.01%$16.21 - $18.28 $ 20.0517%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) 18.90
HBCP's P/E(ttm) is ranked higher than
50% of the 1452 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.70 vs. HBCP: 18.90 )
HBCP' s 10-Year P/E(ttm) Range
Min: 7.21   Max: 32.43
Current: 18.9

7.21
32.43
P/B 1.00
HBCP's P/B is ranked higher than
72% of the 1477 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.10 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 2.89
HBCP's P/S is ranked higher than
55% of the 1640 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.88 vs. HBCP: 2.89 )
HBCP' s 10-Year P/S Range
Min: 2.46   Max: 4.36
Current: 2.89

2.46
4.36
PFCF 6.91
HBCP's PFCF is ranked higher than
62% of the 940 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.90 vs. HBCP: 6.91 )
HBCP' s 10-Year PFCF Range
Min: 5.68   Max: 37.61
Current: 6.91

5.68
37.61
EV-to-EBIT 21.70
HBCP's EV-to-EBIT is ranked lower than
51% of the 1410 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.82 vs. HBCP: 21.70 )
HBCP' s 10-Year EV-to-EBIT Range
Min: 8.3   Max: 27.1
Current: 21.7

8.3
27.1
PEG 0.93
HBCP's PEG is ranked higher than
68% of the 849 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.02 vs. HBCP: 0.93 )
HBCP' s 10-Year PEG Range
Min: 0.24   Max: 0.28
Current: 0.93

0.24
0.28
Shiller P/E 19.70
HBCP's Shiller P/E is ranked higher than
56% of the 841 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 17.04 vs. HBCP: 19.70 )
HBCP' s 10-Year Shiller P/E Range
Min: 16.88   Max: 21.08
Current: 19.7

16.88
21.08

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.00
HBCP's Price/Tangible Book is ranked higher than
81% of the 1362 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.24 vs. HBCP: 1.00 )
HBCP' s 10-Year Price/Tangible Book Range
Min: 0.69   Max: 0.96
Current: 1

0.69
0.96
Price/DCF (Projected) 0.76
HBCP's Price/DCF (Projected) is ranked higher than
55% of the 904 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.60 vs. HBCP: 0.76 )
HBCP' s 10-Year Price/DCF (Projected) Range
Min: 0.71   Max: 0.86
Current: 0.76

0.71
0.86
Price/Median PS Value 0.97
HBCP's Price/Median PS Value is ranked higher than
62% of the 1478 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.00 vs. HBCP: 0.97 )
HBCP' s 10-Year Price/Median PS Value Range
Min: 0.9   Max: 1.42
Current: 0.97

0.9
1.42
Price/Peter Lynch Fair Value 0.76
HBCP's Price/Peter Lynch Fair Value is ranked higher than
70% of the 444 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.78 vs. HBCP: 0.76 )
HBCP' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.71   Max: 0.71
Current: 0.76

Price/Graham Number 0.94
HBCP's Price/Graham Number is ranked higher than
66% of the 1341 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.90 vs. HBCP: 0.94 )
HBCP' s 10-Year Price/Graham Number Range
Min: 0.79   Max: 0.99
Current: 0.94

0.79
0.99
Earnings Yield (Greenblatt) 4.60
HBCP's Earnings Yield (Greenblatt) is ranked higher than
56% of the 1411 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.40 vs. HBCP: 4.60 )
HBCP' s 10-Year Earnings Yield (Greenblatt) Range
Min: 3.7   Max: 12.1
Current: 4.6

3.7
12.1
Forward Rate of Return (Yacktman) 71.49
HBCP's Forward Rate of Return (Yacktman) is ranked higher than
95% of the 1095 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.48 vs. HBCP: 71.49 )
HBCP' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -3.2   Max: 71.4
Current: 71.49

-3.2
71.4

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').

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