Home BancorpHBCP +2.53%68 Pretax Margin % is 37.57% as of Mar. 2026, which is 7% above its 10-year median of 34.98. GuruFocus rates HBCP with a GF Score™ of 68/100 and a GF Value™ of $52.62 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,530 Banks companies, Home Bancorp ranks better than 59.54% on this metric.
Pre-Tax margin is calculated as Pre-Tax Income divided by its Revenue. Home Bancorp's Pre-Tax Income for the
three
months ended in Mar. 2026 was $14.4 Mil. Home Bancorp's Revenue for the
three
months ended in Mar. 2026 was $38.2 Mil. Therefore, Home Bancorp's pretax margin for the quarter that ended in Mar. 2026 was 37.57%.
The historical rank and industry rank for Home Bancorp's Pretax Margin % or its related term are showing as below:
HBCP'
s Pretax Margin % Range Over the Past 10 Years
Min: 28.92 Med: 34.98 Max: 51.54
Current: 38.76
HBCP's Pretax Margin % is ranked better than 59.54% of 1530
companies
in the Banks industry
Industry Median: 34.715
vs HBCP: 38.76
Home Bancorp (NAS:HBCP) Pretax Margin % Explanation
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Home Bancorp Pretax Margin % Related Terms
Home Bancorp Pretax Margin % Historical Data
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The historical data trend for Home Bancorp's Pretax 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.
HBCP vs BSRR, KRNY, CBNK: Pretax Margin % Comparison
For the Banks - Regional subindustry, Home Bancorp's Pretax Margin %, along with its competitors' market caps and Pretax 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 Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Home Bancorp's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Home Bancorp's Pretax 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 Pretax Margin % of 37.57% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Home Bancorp and its competitors. This is near median its historical median of 34.98. Over the past decade, Home Bancorp's Pretax Margin % has ranged from 28.92 to 51.54. According to the industry distribution chart, Home Bancorp ranks #619 out of 1530 companies in the Banks industry, placing it in the top 40.5%.
Is Home Bancorp's Pretax Margin % too high?
Home Bancorp's current Pretax Margin % of 37.57% is near median its 10-year median of 34.98. Over the past 10 years, this metric has ranged from a low of 28.92 to a high of 51.54. The Banks industry median Pretax Margin % is 34.72. Home Bancorp's value of 37.57% is 8.2% above this industry median. Based on the distribution chart, Home Bancorp ranks #619 out of 1530 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 Pretax Margin % compare to BSRR and KRNY?
According to the Banks industry distribution chart, Home Bancorp ranks #619 out of 1530 companies for Pretax Margin %. This puts Home Bancorp in the upper half of its industry. The industry median Pretax Margin % is 34.72. Home Bancorp's value of 37.57% is 8.2% above this benchmark. Historically, Home Bancorp's own Pretax Margin % has ranged from 28.92 to 51.54 over the past decade. While the company's 10-year median is 34.98 vs. the industry median of 34.72, 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 Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 34.72, based on 1,530 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Home Bancorp's current Pretax Margin % of 37.57% is 8.2% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Home Bancorp and its competitors. For the Banks industry, the median Pretax Margin % is 34.72 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Home Bancorp's current Pretax Margin % is 37.57%, which is near median its own 10-year median of 34.98. 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 $52.62, compared to a current price of $69.40 — trading 31.9% above its estimated fair value. The current Pretax Margin % is 37.57%, which is near median its 10-year median of 34.98 and 8.2% above the Banks industry median of 34.72. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Home Bancorp (HBCP), the current Pretax Margin % is 37.57% 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 $69.40 is trading 31.9% above its estimated GF Value™ of $52.62.
GuruFocus considers Home Bancorp to be Significantly Overvalued.
Key valuation signals for HBCP:
Pretax Margin %: 37.57% (near median its 10-year median of 34.98)
GF Value™: $52.62 vs. price of $69.40 (31.9% above fair value)
Industry Position: 8.2% above the Banks median (#619 of 1530)
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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