HBCP (Home Bancorp) Cyclically Adjusted FCF per Share: $5.89 (As of Mar. 2026)


HBCP Home Bancorp Inc HBCP
68 GF Score
Price $67.07
GF Value $52.69
Valuation Modestly Overvalued
! 7 Warning Signs
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What is Home Bancorp Cyclically Adjusted FCF per Share?

Home Bancorp HBCP -2.13% 68 Cyclically Adjusted FCF per Share is $5.89 as of Mar. 2026. GuruFocus rates HBCP with a GF Score™ of 68/100 and a GF Value™ of $52.69 (Modestly Overvalued). The stock has 7 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

Home Bancorp's adjusted free cash flow per share for the three months ended in Mar. 2026 was $1.848. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is $5.89 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Home Bancorp's average Cyclically Adjusted FCF Growth Rate was 3.50% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was 3.50% per year. During the past 5 years, the average Cyclically Adjusted FCF Growth Rate was 8.50% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted FCF Growth Rate using Cyclically Adjusted FCF per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted FCF Growth Rate of Home Bancorp was 21.20% per year. The lowest was 3.50% per year. And the median was 18.80% per year.

As of today (2026-07-09), Home Bancorp's current stock price is $67.07. Home Bancorp's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2026 was $5.89. Home Bancorp's Cyclically Adjusted Price-to-FCF of today is 11.39.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Home Bancorp was 23.53. The lowest was 5.79. And the median was 9.40.


Home Bancorp  (NAS:HBCP) Cyclically Adjusted FCF per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

Home Bancorp's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=67.07/5.89
=11.39

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Home Bancorp was 23.53. The lowest was 5.79. And the median was 9.40.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


Home Bancorp Cyclically Adjusted FCF per Share Related Terms


Home Bancorp Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for Home Bancorp's Cyclically Adjusted FCF per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Home Bancorp Cyclically Adjusted FCF per Share Chart

Home Bancorp Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 4.35 5.05 5.33 5.57 5.60

Home Bancorp Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted FCF per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 5.69 5.74 5.66 5.60 5.89

HBCP vs BSRR, GCBC, FBIZ: Cyclically Adjusted FCF per Share Comparison

For the Banks - Regional subindustry, Home Bancorp's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Home Bancorp Cyclically Adjusted Price-to-FCF vs Banks Industry

For the Banks industry and Financial Services sector, Home Bancorp's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where Home Bancorp's Cyclically Adjusted Price-to-FCF falls into.


HBCP
68GF Score
Home Bancorp Inc HBCP
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Home Bancorp Cyclically Adjusted FCF per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

What is Cyclically Adjusted FCF per Share? How do we calculate Cyclically Adjusted FCF per Share?

Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted FCF per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Home Bancorp's adjusted Free Cash Flow per Share data for the three months ended in Mar. 2026 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=1.848/330.2130*330.2130
=1.848

Current CPI (Mar. 2026) = 330.2130.

Home Bancorp Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201606 -0.468 241.018 -0.641
201609 1.356 241.428 1.855
201612 1.405 241.432 1.922
201703 0.883 243.801 1.196
201706 0.880 244.955 1.186
201709 1.059 246.819 1.417
201712 0.306 246.524 0.410
201803 2.048 249.554 2.710
201806 -0.347 251.989 -0.455
201809 1.462 252.439 1.912
201812 1.369 251.233 1.799
201903 1.176 254.202 1.528
201906 1.076 256.143 1.387
201909 0.795 256.759 1.022
201912 1.339 256.974 1.721
202003 0.790 258.115 1.011
202006 0.541 257.797 0.693
202009 0.551 260.280 0.699
202012 3.566 260.474 4.521
202103 1.271 264.877 1.585
202106 2.336 271.696 2.839
202109 1.344 274.310 1.618
202112 1.358 278.802 1.608
202203 0.144 287.504 0.165
202206 2.103 296.311 2.344
202209 2.012 296.808 2.238
202212 1.690 296.797 1.880
202303 1.180 301.836 1.291
202306 0.908 305.109 0.983
202309 1.581 307.789 1.696
202312 1.210 306.746 1.303
202403 1.129 312.332 1.194
202406 1.665 314.175 1.750
202409 2.129 315.301 2.230
202412 0.661 315.605 0.692
202503 1.084 319.799 1.119
202506 1.016 322.561 1.040
202509 2.654 324.800 2.698
202512 0.908 324.054 0.925
202603 1.848 330.213 1.848

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

What does a Cyclically Adjusted FCF per Share of $5.89 mean?
Home Bancorp (HBCP) has a Cyclically Adjusted FCF per Share of $5.89 as of Mar. 2026. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Home Bancorp and its competitors.
Is Home Bancorp's Cyclically Adjusted FCF per Share too high?
Home Bancorp's current Cyclically Adjusted FCF per Share is $5.89. Overall, Home Bancorp has a GF Score™ of 68/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Home Bancorp's Cyclically Adjusted FCF per Share compare to BSRR and GCBC?
Home Bancorp's Cyclically Adjusted FCF per Share of $5.89 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted FCF per Share for a Banks company?
A good Cyclically Adjusted FCF per Share depends on the Banks industry context. However, Cyclically Adjusted FCF per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted FCF per Share mean?
A high Cyclically Adjusted FCF per Share can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Home Bancorp and its competitors. Home Bancorp's current Cyclically Adjusted FCF per Share is $5.89. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Home Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Home Bancorp (HBCP) is currently considered Modestly Overvalued. The stock's GF Value™ is $52.69, compared to a current price of $67.07 — trading 27.3% above its estimated fair value. The current Cyclically Adjusted FCF per Share is $5.89. Home Bancorp's overall GF Score™ is 68/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted FCF per Share calculated?
Cyclically Adjusted FCF per Share is calculated from a company's financial statements. For Home Bancorp (HBCP), the current Cyclically Adjusted FCF per Share is $5.89 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Home Bancorp (HBCP) Overvalued in 2026?

Based on GuruFocus' analysis, Home Bancorp stock appears to be overvalued. The current stock price of $67.07 is trading 27.3% above its estimated GF Value™ of $52.69. GuruFocus considers Home Bancorp to be Modestly Overvalued.

Key valuation signals for HBCP:

  • Cyclically Adjusted FCF per Share: $5.89
  • GF Value™: $52.69 vs. price of $67.07 (27.3% above fair value)
  • GF Score™: 68/100 with 7 warning signs

No single metric tells the full story. See the HBCP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Home Bancorp Business Description

Address 503 Kaliste Saloom Road, Lafayette, LA, USA, 70508
Home Bancorp Inc is engaged in attracting deposits from the public and using those funds to invest in loans and securities.It is holding company for Home Bank, N.A. The principal 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 of Dallas. These funds are 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.
68GF Score

Get the complete analysis for HBCP

Cyclically Adjusted FCF per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$67.07
Price
$52.69
GF Value