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Home BancorpHBCP +0.71%68 Debt-to-Equity is 0.12 as of Jun. 2026, which is 52% below its 10-year median of 0.25. GuruFocus rates HBCP with a GF Score™ of 68/100 and a GF Value™ of $52.72 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,421 Banks companies, Home Bancorp ranks better than 85.64% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Home Bancorp's Debt-to-Equity or its related term are showing as below:
HBCP'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.09 Med: 0.25 Max: 1.05
Current: 0.12
During the past 13 years, the highest Debt-to-Equity Ratio of Home Bancorp was 1.05. The lowest was 0.09. And the median was 0.25.
HBCP's Debt-to-Equity is ranked better than 85.64% of 1421
companies
in the Banks industry
Industry Median: 0.58
vs HBCP: 0.12
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Home Bancorp Debt-to-Equity Related Terms
Home Bancorp Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Home Bancorp's Debt-to-Equity 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.
HBCP vs BSRR, FBIZ, GCBC: Debt-to-Equity Comparison
For the Banks - Regional subindustry, Home Bancorp's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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 Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Home Bancorp's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Home Bancorp's Debt-to-Equity falls into.
* 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 (HBCP) has a Debt-to-Equity of 0.12 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Home Bancorp and its competitors. This is 52% below median its historical median of 0.25. Over the past decade, Home Bancorp's Debt-to-Equity has ranged from 0.09 to 1.05. According to the industry distribution chart, Home Bancorp ranks #204 out of 1421 companies in the Banks industry, placing it in the top 14.4%.
Is Home Bancorp's Debt-to-Equity too high?
Home Bancorp's current Debt-to-Equity of 0.12 is 52% below median its 10-year median of 0.25. Over the past 10 years, this metric has ranged from a low of 0.09 to a high of 1.05. The Banks industry median Debt-to-Equity is 0.58. Home Bancorp's value of 0.12 is 79.3% below this industry median. Based on the distribution chart, Home Bancorp ranks #204 out of 1421 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Home Bancorp has a GF Score™ of 68/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Home Bancorp's Debt-to-Equity compare to BSRR and FBIZ?
According to the Banks industry distribution chart, Home Bancorp ranks #204 out of 1421 companies for Debt-to-Equity. This places Home Bancorp in the top 14% of its industry — outperforming the majority of peers. The industry median Debt-to-Equity is 0.58. Home Bancorp's value of 0.12 is 79.3% below this benchmark. Historically, Home Bancorp's own Debt-to-Equity has ranged from 0.09 to 1.05 over the past decade. While the company's 10-year median is 0.25 vs. the industry median of 0.58, Home Bancorp has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.58, based on 1,421 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Home Bancorp's current Debt-to-Equity of 0.12 is 79.3% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Home Bancorp and its competitors. For the Banks industry, the median Debt-to-Equity is 0.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Home Bancorp's current Debt-to-Equity is 0.12, which is 52% below median its own 10-year median of 0.25. 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 Significantly Overvalued. The stock's GF Value™ is $52.72, compared to a current price of $72.51 — trading 37.5% above its estimated fair value. The current Debt-to-Equity is 0.12, which is 52% below median its 10-year median of 0.25 and 79.3% below the Banks industry median of 0.58. 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 Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Home Bancorp (HBCP), the current Debt-to-Equity is 0.12 as of Jun. 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 $72.51 is trading 37.5% above its estimated GF Value™ of $52.72.
GuruFocus considers Home Bancorp to be Significantly Overvalued.
Key valuation signals for HBCP:
Debt-to-Equity: 0.12 (52% below median its 10-year median of 0.25)
GF Value™: $52.72 vs. price of $72.51 (37.5% above fair value)
Industry Position: 79.3% below the Banks median (#204 of 1421)
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 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
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