HBCP (Home Bancorp) Risk Assessment

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

HBCP Home Bancorp Inc HBCP
68 GF Score
Price $69.04
GF Value $52.63
Valuation Significantly Overvalued
! 7 Warning Signs
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What is Home Bancorp Risk Assessment?

Risk Assessment represents the investment risk of a stock derived from our exclusive method. It suggests how risky the investment opportunity is based on the valuation and the fundamental performance of the stock. It is derived from following key aspects:

1. GuruFocus internally developed valuations of the stock, such as GF valuation.
2. Quality Rank, a business quality indicator developed by GuruFocus.
3. Fundamental performance: Piotroski F-Score, Altman Z-Score, Beneish M-Score, etc.
4. Growth opportunities: 5-year revenue growth rate, 5-Year EPS without NRI Growth Rate, etc.

Value investors are always willing to find undervalued stocks. However, not all the undervalued stocks are good deals, we should also be careful of how risky the investment opportunity is. We believe that if the company's financial strength and profitability are strong, and the stock price is within a reasonable range of the GF valuation, or stock has a high return with its price being undervalued, then it might be a good investment opportunity with low risk.

Based on those aspects listed above, GuruFocus believes the risk assessment of Home Bancorp is: High Risk: High uncertainty with risk-return tradeoff.

Home Bancorp  (NAS:HBCP) Risk Assessment Explanation

Based on the four aspects listed above, GuruFocus provides the following 7 evaluations:

All-in-One Screener Examples (1)
Low Risk: Strong fundamentals, worth long-term holding
Moderate Risk: Sensitive, better choose undervalued stock
High Risk: High uncertainty with risk-return tradeoff
High Risk: Good fundamentals, beware of shrinking business
High Risk: Sensitive to economic or industry trends
High Risk: High uncertainty
No Data: Cannot be evaluated

(1) These are some simple examples. You can access our Risk Assessment filter under All-in-One Screener’s Fundamental tab and set your own criteria.

Home Bancorp Risk Assessment Related Terms

HBCP vs BSRR, GCBC, FBIZ: Risk Assessment Comparison

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

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

* The bar in red indicates where Home Bancorp's Risk Assessment falls into.


HBCP
68GF Score
Home Bancorp Inc HBCP
Risk Assessment is just one metric. See GF Score™, valuation, warning signs, and more.
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Is Home Bancorp (HBCP) Overvalued in 2026?

Based on GuruFocus' analysis, Home Bancorp stock appears to be overvalued. The current stock price of $69.04 is trading 31.2% above its estimated GF Value™ of $52.63. GuruFocus considers Home Bancorp to be Significantly Overvalued.

Key valuation signals for HBCP:

  • Risk Assessment:
  • GF Value™: $52.63 vs. price of $69.04 (31.2% above fair value)
  • GF Score™: 68/100 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.
68GF Score

Get the complete analysis for HBCP

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

$69.04
Price
$52.63
GF Value