Home BancorpHBCP +0.65%68 ROE % is 10.33% as of Mar. 2026, which is 6% above its 10-year median of 9.77. GuruFocus rates HBCP with a GF Score™ of 68/100 and a GF Value™ of $52.61 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,524 Banks companies, Home Bancorp ranks better than 55.51% on this metric.
ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. Home Bancorp's annualized net income for the quarter that ended in Mar. 2026 was $45.4 Mil. Home Bancorp's average Total Stockholders Equity over the quarter that ended in Mar. 2026 was $439.8 Mil. Therefore, Home Bancorp's annualized ROE % for the quarter that ended in Mar. 2026 was 10.33%.
The historical rank and industry rank for Home Bancorp's ROE % or its related term are showing as below:
HBCP'
s ROE % Range Over the Past 10 Years
Min: 7.35 Med: 9.77 Max: 14.43
Current: 10.99
During the past 13 years, Home Bancorp's highest ROE % was 14.43%. The lowest was 7.35%. And the median was 9.77%.
HBCP's ROE % is ranked better than 55.51% of 1524
companies
in the Banks industry
Industry Median: 10.22
vs HBCP: 10.99
Home Bancorp (NAS:HBCP) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
Home Bancorp ROE % Related Terms
Home Bancorp ROE % Historical Data
* Premium members only.
The historical data trend for Home Bancorp's ROE % 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 ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Home Bancorp's ROE % distribution charts can be found below:
* The bar in red indicates where Home Bancorp's ROE % 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.
In the calculation of annual ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
ROE % is displayed in the 30-year financial page.
Home Bancorp (HBCP) has a ROE % of 10.33% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Home Bancorp and its competitors. This is near median its historical median of 9.77. Over the past decade, Home Bancorp's ROE % has ranged from 7.35 to 14.43. According to the industry distribution chart, Home Bancorp ranks #678 out of 1524 companies in the Banks industry, placing it in the top 44.5%.
Is Home Bancorp's ROE % too high?
Home Bancorp's current ROE % of 10.33% is near median its 10-year median of 9.77. Over the past 10 years, this metric has ranged from a low of 7.35 to a high of 14.43. The Banks industry median ROE % is 10.22. Home Bancorp's value of 10.33% is 1.1% above this industry median. Based on the distribution chart, Home Bancorp ranks #678 out of 1524 companies in the Banks industry, which is above the industry midpoint. Overall, Home Bancorp has a GF Score™ of 68/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Home Bancorp's ROE % compare to BSRR and KRNY?
According to the Banks industry distribution chart, Home Bancorp ranks #678 out of 1524 companies for ROE %. This puts Home Bancorp in the upper half of its industry. The industry median ROE % is 10.22. Home Bancorp's value of 10.33% is 1.1% above this benchmark. Historically, Home Bancorp's own ROE % has ranged from 7.35 to 14.43 over the past decade. While the company's 10-year median is 9.77 vs. the industry median of 10.22, 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.22, based on 1,524 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Home Bancorp's current ROE % of 10.33% is 1.1% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Home Bancorp and its competitors. For the Banks industry, the median ROE % is 10.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Home Bancorp's current ROE % is 10.33%, which is near median its own 10-year median of 9.77. 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 $52.61, compared to a current price of $68.18 — trading 29.6% above its estimated fair value. The current ROE % is 10.33%, which is near median its 10-year median of 9.77 and 1.1% above the Banks industry median of 10.22. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For Home Bancorp (HBCP), the current ROE % is 10.33% 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 $68.18 is trading 29.6% above its estimated GF Value™ of $52.61.
GuruFocus considers Home Bancorp to be Modestly Overvalued.
Key valuation signals for HBCP:
ROE %: 10.33% (near median its 10-year median of 9.77)
GF Value™: $52.61 vs. price of $68.18 (29.6% above fair value)
Industry Position: 1.1% above the Banks median (#678 of 1524)
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
Get the complete analysis for HBCP
ROE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
HBCP has been successfully added to your 
