Home Bancorp Inc (NAS:HBCP)

Q3 2025 Home Bancorp Inc Earnings Call Transcript

Oct 21, 2025 / 03:30 PM GMT

Release Date Price: $55.25 (+2.37%)

Transcript 10-Q8-K

Key Points

Positve

Home Bancorp Inc (HBCP) reported a third-quarter net income of $12.4 million, marking a 9% increase from the previous quarter and a 31% increase from the previous year.
Net interest margin expanded for the sixth consecutive quarter to 4.10%, indicating strong financial performance.
Deposits increased by 9% annualized in the third quarter, with significant growth in core deposits, particularly in Texas.
The company has maintained a low net charge-off rate, averaging about 6 basis points over the last six years, demonstrating effective credit management.
Home Bancorp Inc (HBCP) has increased its tangible book value per share at a 9.5% annualized growth rate since 2019, showcasing strong shareholder value creation.

Negative

Loans decreased by $58 million in the third quarter due to higher-than-average payoffs and paydowns, challenging near-term growth.
Non-performing loans have increased in 2025, although charge-offs remain low.
The company has revised its loan growth expectations for 2025 to a more moderate 1-2%, down from the previously anticipated 4-6%.
Interest-bearing deposit costs increased by 5 basis points in Q3 due to changes in the deposit mix.
Non-interest expenses increased slightly to $22.5 million, aligning with expectations but indicating rising operational costs.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

HBCP.OQ - Home Bancorp Inc
Q3 2025 Home Bancorp Inc Earnings Call
Oct 21, 2025 / 03:30PM GMT

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Presentation
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Unidentified_1 [1]
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Good morning ladies and gentlemen, and welcome to the Home Ban Corp's 3rd quarter 2025 earnings conference call.

All participants will be in listen-only mode.

Should you need assistance, please signal a conference specialist by pressing the store key followed by 0.

After today's presentation, there will be an opportunity to ask questions.

Please note this call if it's being recorded.

I would now like to turn the conference over to Homean Corp's Chairman, President and CEO Zan Bordelon, and Chief Financial Officer David Kirkley. Please go ahead, Mr. Kurtley.

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Unidentified_2 [2]
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