Home BancorpHBCP -0.47%68 FCF Margin % is 37.84% as of Mar. 2026, which is 8% above its 10-year median of 34.94. GuruFocus rates HBCP with a GF Score™ of 68/100 and a GF Value™ of $52.68 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,505 Banks companies, Home Bancorp ranks better than 60.93% 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 Mar. 2026 was $14.5 Mil. Home Bancorp's Revenue for the
three
months ended in Mar. 2026 was $38.2 Mil. Therefore, Home Bancorp's FCF Margin % for the quarter that ended in Mar. 2026 was 37.84%.
The historical rank and industry rank for Home Bancorp's FCF Margin % or its related term are showing as below:
HBCP'
s FCF Margin % Range Over the Past 10 Years
Min: 22.26 Med: 34.94 Max: 45.41
Current: 33.14
During the past 13 years, the highest FCF Margin % of Home Bancorp was 45.41%. The lowest was 22.26%. And the median was 34.94%.
HBCP's FCF Margin % is ranked better than 60.93% of 1505
companies
in the Banks industry
Industry Median: 26.45
vs HBCP: 33.14
Home Bancorp FCF Margin % Related Terms
Home Bancorp FCF Margin % Historical Data
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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 37.84% as of Mar. 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 near 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 #588 out of 1505 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 37.84% is near 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 26.45. Home Bancorp's value of 37.84% is 43.1% above this industry median. Based on the distribution chart, Home Bancorp ranks #588 out of 1505 companies in the Banks industry, which is above the industry midpoint. 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 FCF Margin % compare to BSRR and GCBC?
According to the Banks industry distribution chart, Home Bancorp ranks #588 out of 1505 companies for FCF Margin %. This puts Home Bancorp in the upper half of its industry. The industry median FCF Margin % is 26.45. Home Bancorp's value of 37.84% is 43.1% above 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 26.45, Home Bancorp has consistently been above 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 26.45, based on 1,505 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 37.84% is 43.1% above 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 26.45 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Home Bancorp's current FCF Margin % is 37.84%, which is near 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 Significantly Overvalued. The stock's GF Value™ is $52.68, compared to a current price of $68.87 — trading 30.7% above its estimated fair value. The current FCF Margin % is 37.84%, which is near median its 10-year median of 34.94 and 43.1% above the Banks industry median of 26.45. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Home Bancorp (HBCP), the current FCF Margin % is 37.84% 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 $68.87 is trading 30.7% above its estimated GF Value™ of $52.68.
GuruFocus considers Home Bancorp to be Significantly Overvalued.
Key valuation signals for HBCP:
FCF Margin %: 37.84% (near median its 10-year median of 34.94)
GF Value™: $52.68 vs. price of $68.87 (30.7% above fair value)
Industry Position: 43.1% above the Banks median (#588 of 1505)
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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