HBCP (Home Bancorp) Scaled Net Operating Assets: 0.07 (As of Mar. 2026)


HBCP Home Bancorp Inc HBCP
68 GF Score
Price $69.40
GF Value $52.62
Valuation Significantly Overvalued
! 7 Warning Signs
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What is Home Bancorp Scaled Net Operating Assets?

Home Bancorp HBCP +2.53% 68 Scaled Net Operating Assets is 0.07 as of Mar. 2026. 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.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Home Bancorp's operating assets for the quarter that ended in Mar. 2026 was $3,306.9 Mil. Home Bancorp's operating liabilities for the quarter that ended in Mar. 2026 was $3,055.5 Mil. Home Bancorp's Total Assets for the quarter that ended in Dec. 2025 was $3,492.6 Mil. Therefore, Home Bancorp's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.07.

HBCP
68GF Score
Home Bancorp Inc HBCP
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Home Bancorp Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Home Bancorp's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(3351.021-2999.833)/3443.668
=0.10

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=3492.626 - 141.605
=3351.021

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=3057.532 - 57.699 - 0
=2999.833

Home Bancorp's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(3306.871-3055.504)/3492.626
=0.07

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=3554.643 - 247.772
=3306.871

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=3110.233 - 54.729 - 0
=3055.504

* 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.

What does a Scaled Net Operating Assets of 0.07 mean?
Home Bancorp (HBCP) has a Scaled Net Operating Assets of 0.07 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Home Bancorp and its competitors.
Is Home Bancorp's Scaled Net Operating Assets too high?
Home Bancorp's current Scaled Net Operating Assets is 0.07. 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 Scaled Net Operating Assets compare to BSRR and KRNY?
Home Bancorp's Scaled Net Operating Assets of 0.07 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Home Bancorp and its competitors. Home Bancorp's current Scaled Net Operating Assets is 0.07. 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 Scaled Net Operating Assets is 0.07. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Home Bancorp (HBCP), the current Scaled Net Operating Assets is 0.07 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:

  • Scaled Net Operating Assets: 0.07
  • GF Value™: $52.62 vs. price of $69.40 (31.9% 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

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$69.40
Price
$52.62
GF Value