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Home BancorpHBCP +0.38%69 FCF Margin % is 23.39% as of Jun. 2026, which is 33% below its 10-year median of 34.94. GuruFocus rates HBCP with a GF Score™ of 69/100 and a GF Value™ of $55.92 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,499 Banks companies, Home Bancorp ranks better than 60.91% on this metric.
FCF Margin % is calculated as Free Cash Flow divided by its Revenue. Home Bancorp's Free Cash Flow for the
three
months ended in Jun. 2026 was $9.3 Mil. Home Bancorp's Revenue for the
three
months ended in Jun. 2026 was $39.7 Mil. Therefore, Home Bancorp's FCF Margin % for the quarter that ended in Jun. 2026 was 23.39%.
The historical data trend for Home Bancorp's FCF Margin % 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.
For the Banks - Regional subindustry, Home Bancorp's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Home Bancorp's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Home Bancorp's FCF Margin % 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 FCF Margin % of 23.39% as of Jun. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Home Bancorp and its competitors. This is 33% below median its historical median of 34.94. Over the past decade, Home Bancorp's FCF Margin % has ranged from 22.26 to 45.41. According to the industry distribution chart, Home Bancorp ranks #586 out of 1499 companies in the Banks industry, placing it in the top 39.1%.
Is Home Bancorp's FCF Margin % too high?
Home Bancorp's current FCF Margin % of 23.39% is 33% below median its 10-year median of 34.94. Over the past 10 years, this metric has ranged from a low of 22.26 to a high of 45.41. The Banks industry median FCF Margin % is 27.12. Home Bancorp's value of 23.39% is 13.8% below this industry median. Based on the distribution chart, Home Bancorp ranks #586 out of 1499 companies in the Banks industry, which is above the industry midpoint. Overall, Home Bancorp has a GF Score™ of 69/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Home Bancorp's FCF Margin % compare to BSRR and FBIZ?
According to the Banks industry distribution chart, Home Bancorp ranks #586 out of 1499 companies for FCF Margin %. This puts Home Bancorp in the upper half of its industry. The industry median FCF Margin % is 27.12. Home Bancorp's value of 23.39% is 13.8% below this benchmark. Historically, Home Bancorp's own FCF Margin % has ranged from 22.26 to 45.41 over the past decade. While the company's 10-year median is 34.94 vs. the industry median of 27.12, 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 27.12, based on 1,499 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Home Bancorp's current FCF Margin % of 23.39% is 13.8% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Home Bancorp and its competitors. For the Banks industry, the median FCF Margin % is 27.12 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Home Bancorp's current FCF Margin % is 23.39%, which is 33% below median its own 10-year median of 34.94. 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 $55.92, compared to a current price of $69.67 — trading 24.6% above its estimated fair value. The current FCF Margin % is 23.39%, which is 33% below median its 10-year median of 34.94 and 13.8% below the Banks industry median of 27.12. Home Bancorp's overall GF Score™ is 69/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Home Bancorp (HBCP), the current FCF Margin % is 23.39% 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 $69.67 is trading 24.6% above its estimated GF Value™ of $55.92.
GuruFocus considers Home Bancorp to be Modestly Overvalued.
Key valuation signals for HBCP:
FCF Margin %: 23.39% (33% below median its 10-year median of 34.94)
GF Value™: $55.92 vs. price of $69.67 (24.6% above fair value)
Industry Position: 13.8% below the Banks median (#586 of 1499)
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.
69GF Score
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