HBCP (Home Bancorp) E10: $4.83 (As of Jun. 2026)

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Director of Data and Quant Analytics at GuruFocus
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HBCP Home Bancorp Inc HBCP
66 GF Score
Price $71.67
GF Value $56.12
Valuation Modestly Overvalued
! 7 Warning Signs
View Full Analysis

What is Home Bancorp E10?

Home Bancorp HBCP -0.15% 66 E10 is $4.83 as of Jun. 2026. GuruFocus rates HBCP with a GF Score™ of 66/100 and a GF Value™ of $56.12 (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 P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Home Bancorp's adjusted earnings per share data for the three months ended in Jun. 2026 was $1.480. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is $4.83 for the trailing ten years ended in Jun. 2026.

During the past 12 months, Home Bancorp's average E10 Growth Rate was 11.00% per year. During the past 3 years, the average E10 Growth Rate was 11.90% per year. During the past 5 years, the average E10 Growth Rate was 15.30% 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 E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of Home Bancorp was 20.90% per year. The lowest was 11.90% per year. And the median was 19.40% per year.

As of today (2026-08-09), Home Bancorp's current stock price is $71.67. Home Bancorp's E10 for the quarter that ended in Jun. 2026 was $4.83. Home Bancorp's Shiller PE Ratio of today is 14.84.

During the past 13 years, the highest Shiller PE Ratio of Home Bancorp was 37.42. The lowest was 8.79. And the median was 14.00.


Home Bancorp  (NAS:HBCP) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Home Bancorp's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=71.67/4.83
=14.84

* 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 Shiller P/E Ratio of Home Bancorp was 37.42. The lowest was 8.79. And the median was 14.00.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Home Bancorp E10 Related Terms


Home Bancorp E10 Historical Data

* Premium members only.

The historical data trend for Home Bancorp's E10 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 E10 Chart

Home Bancorp Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 2.81 3.25 3.72 4.09 4.55

Home Bancorp Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
E10 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 4.35 4.49 4.55 4.71 4.83

HBCP vs BSRR, FBIZ, GCBC: E10 Comparison

For the Banks - Regional subindustry, Home Bancorp's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio 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 Shiller PE Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Home Bancorp's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where Home Bancorp's Shiller PE Ratio falls into.


HBCP
66GF Score
Home Bancorp Inc HBCP
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Home Bancorp E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

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 earnings per share data for the three months ended in Jun. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=1.48/333.9520*333.9520
=1.480

Current CPI (Jun. 2026) = 333.9520.

Home Bancorp Quarterly Data

per share eps CPI Adj_EPS
201609 0.610 241.428 0.844
201612 0.600 241.432 0.830
201703 0.690 243.801 0.945
201706 0.620 244.955 0.845
201709 0.560 246.819 0.758
201712 0.540 246.524 0.732
201803 0.810 249.554 1.084
201806 0.830 251.989 1.100
201809 0.890 252.439 1.177
201812 0.870 251.233 1.156
201903 0.850 254.202 1.117
201906 0.710 256.143 0.926
201909 0.750 256.759 0.975
201912 0.730 256.974 0.949
202003 0.270 258.115 0.349
202006 0.330 257.797 0.427
202009 1.010 260.280 1.296
202012 1.360 260.474 1.744
202103 1.410 264.877 1.778
202106 1.340 271.696 1.647
202109 1.790 274.310 2.179
202112 1.230 278.802 1.473
202203 0.530 287.504 0.616
202206 1.030 296.311 1.161
202209 1.280 296.808 1.440
202212 1.320 296.797 1.485
202303 1.390 301.836 1.538
202306 1.210 305.109 1.324
202309 1.220 307.789 1.324
202312 1.170 306.746 1.274
202403 1.140 312.332 1.219
202406 1.020 314.175 1.084
202409 1.180 315.301 1.250
202412 1.210 315.605 1.280
202503 1.370 319.799 1.431
202506 1.450 322.561 1.501
202509 1.590 324.800 1.635
202512 1.460 324.054 1.505
202603 1.450 330.213 1.466
202606 1.480 333.952 1.480

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of $4.83 mean?
Home Bancorp (HBCP) has a E10 of $4.83 as of Jun. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Home Bancorp and its competitors.
Is Home Bancorp's E10 too high?
Home Bancorp's current E10 is $4.83. Overall, Home Bancorp has a GF Score™ of 66/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Home Bancorp's E10 compare to BSRR and FBIZ?
Home Bancorp's E10 of $4.83 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 E10 for a Banks company?
A good E10 depends on the Banks industry context. However, E10 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 E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Home Bancorp and its competitors. Home Bancorp's current E10 is $4.83. 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 $56.12, compared to a current price of $71.67 — trading 27.7% above its estimated fair value. The current E10 is $4.83. Home Bancorp's overall GF Score™ is 66/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For Home Bancorp (HBCP), the current E10 is $4.83 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 $71.67 is trading 27.7% above its estimated GF Value™ of $56.12. GuruFocus considers Home Bancorp to be Modestly Overvalued.

Key valuation signals for HBCP:

  • E10: $4.83
  • GF Value™: $56.12 vs. price of $71.67 (27.7% above fair value)
  • GF Score™: 66/100 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.
66GF Score

Get the complete analysis for HBCP

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$71.67
Price
$56.12
GF Value