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Home BancorpHBCP +3.15%68 5-Year Yield-on-Cost % is 2.17 as of Jul. 16, 2026, which is 21% below its 10-year median of 2.74. GuruFocus rates HBCP with a GF Score™ of 68/100 and a GF Value™ of $52.63 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,255 Banks companies, Home Bancorp ranks worse than 78.41% on this metric.
Home Bancorp's yield on cost for the quarter that ended in Mar. 2026 was 2.17.
The historical rank and industry rank for Home Bancorp's 5-Year Yield-on-Cost % or its related term are showing as below:
HBCP'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.19 Med: 2.74 Max: 5.27
Current: 2.17
During the past 13 years, Home Bancorp's highest Yield on Cost was 5.27. The lowest was 1.19. And the median was 2.74.
HBCP's 5-Year Yield-on-Cost % is ranked worse than 78.41% of 1255
companies
in the Banks industry
Industry Median: 3.88
vs HBCP: 2.17
Home Bancorp (NAS:HBCP) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Home Bancorp 5-Year Yield-on-Cost % Related Terms
HBCP vs BSRR, GCBC, FBIZ: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, Home Bancorp's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Home Bancorp's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Home Bancorp's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Therefore, Yield-on-Cost of Home Bancorp is calculated as
Home Bancorp (HBCP) has a 5-Year Yield-on-Cost % of 2.17 as of Jul. 16, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Home Bancorp and its competitors. This is 21% below median its historical median of 2.74. Over the past decade, Home Bancorp's 5-Year Yield-on-Cost % has ranged from 1.19 to 5.27. According to the industry distribution chart, Home Bancorp ranks #984 out of 1255 companies in the Banks industry, placing it in the top 78.4%.
Is Home Bancorp's 5-Year Yield-on-Cost % too high?
Home Bancorp's current 5-Year Yield-on-Cost % of 2.17 is 21% below median its 10-year median of 2.74. Over the past 10 years, this metric has ranged from a low of 1.19 to a high of 5.27. The Banks industry median 5-Year Yield-on-Cost % is 3.88. Home Bancorp's value of 2.17 is 44.1% below this industry median. Based on the distribution chart, Home Bancorp ranks #984 out of 1255 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 5-Year Yield-on-Cost % compare to BSRR and GCBC?
According to the Banks industry distribution chart, Home Bancorp ranks #984 out of 1255 companies for 5-Year Yield-on-Cost %. This places Home Bancorp in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.88. Home Bancorp's value of 2.17 is 44.1% below this benchmark. Historically, Home Bancorp's own 5-Year Yield-on-Cost % has ranged from 1.19 to 5.27 over the past decade. While the company's 10-year median is 2.74 vs. the industry median of 3.88, Home Bancorp has consistently been below 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.88, based on 1,255 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Home Bancorp's current 5-Year Yield-on-Cost % of 2.17 is 44.1% below 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Home Bancorp and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Home Bancorp's current 5-Year Yield-on-Cost % is 2.17, which is 21% below median its own 10-year median of 2.74. 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 $52.63, compared to a current price of $71.41 — trading 35.7% above its estimated fair value. The current 5-Year Yield-on-Cost % is 2.17, which is 21% below median its 10-year median of 2.74 and 44.1% below the Banks industry median of 3.88. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Home Bancorp (HBCP), the current 5-Year Yield-on-Cost % is 2.17 as of Jul. 16, 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 $71.41 is trading 35.7% above its estimated GF Value™ of $52.63.
GuruFocus considers Home Bancorp to be Significantly Overvalued.
Key valuation signals for HBCP:
5-Year Yield-on-Cost %: 2.17 (21% below median its 10-year median of 2.74)
GF Value™: $52.63 vs. price of $71.41 (35.7% above fair value)
Industry Position: 44.1% below the Banks median (#984 of 1255)
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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5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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