Home Bancorp Balance Sheet Health
Financial Health criteria checks 6/6
Home Bancorp has total assets of $3.4B and total equity of $393.5M. Total deposits are $2.8B, and total loans are $2.6B. It earns a Net Interest Margin of 3.9%. It has sufficient allowance for bad loans, which are currently at 0.7% of total loans. Cash and short-term investments are $138.8M.
Key information
8.7x
Asset to equity ratio
3.9%
Net interest margin
| Total deposits | US$2.78b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 0.7% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | US$138.84m |
Recent financial health updates
No updates
Recent updates
Home Bancorp's (NASDAQ:HBCP) Dividend Will Be Increased To $0.26
Oct 22
Home Bancorp (NASDAQ:HBCP) Will Pay A Dividend Of $0.25
Jul 22Home Bancorp (NASDAQ:HBCP) Has Announced A Dividend Of $0.25
Apr 22Home Bancorp (NASDAQ:HBCP) Has Affirmed Its Dividend Of $0.25
Jan 26Does Home Bancorp (NASDAQ:HBCP) Deserve A Spot On Your Watchlist?
Nov 05Home Bancorp's (NASDAQ:HBCP) Upcoming Dividend Will Be Larger Than Last Year's
Apr 21Home Bancorp's (NASDAQ:HBCP) Upcoming Dividend Will Be Larger Than Last Year's
Jan 27Home Bancorp GAAP EPS of $1.28 beats by $0.04, revenue of $35.45M beats by $4.25M
Oct 18Home Bancorp's (NASDAQ:HBCP) Dividend Will Be $0.23
Jul 29Home Bancorp declares $0.23 dividend
Jul 26Home Bancorp (NASDAQ:HBCP) Has Announced A Dividend Of US$0.23
Apr 29Home Bancorp: Upcoming Acquisition Likely To Have A Mixed Impact On Earnings This Year
Feb 13Home Bancorp (NASDAQ:HBCP) Is Paying Out A Larger Dividend Than Last Year
Jul 30Do Home Bancorp's (NASDAQ:HBCP) Earnings Warrant Your Attention?
May 29Home Bancorp, Inc. Just Recorded A 33% EPS Beat: Here's What Analysts Are Forecasting Next
Apr 30Shareholders Will Likely Find Home Bancorp, Inc.'s (NASDAQ:HBCP) CEO Compensation Acceptable
Apr 29Home Bancorp raises dividend by ~5%
Apr 27Here's What Home Bancorp, Inc.'s (NASDAQ:HBCP) Shareholder Ownership Structure Looks Like
Mar 07Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: HBCP's Assets to Equity ratio (8.7x) is low.
Allowance for Bad Loans: HBCP has a sufficient allowance for bad loans (178%).
Low Risk Liabilities: 91% of HBCP's liabilities are made up of primarily low risk sources of funding.
Loan Level: HBCP has an appropriate level of Loans to Assets ratio (77%).
Low Risk Deposits: HBCP's Loans to Deposits ratio (95%) is appropriate.
Level of Bad Loans: HBCP has an appropriate level of bad loans (0.7%).
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Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2024/12/26 14:20 |
| End of Day Share Price | 2024/12/24 00:00 |
| Earnings | 2024/09/30 |
| Annual Earnings | 2023/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.
Analysis Model and Snowflake
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Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .
Analyst Sources
Home Bancorp, Inc. is covered by 8 analysts. 3 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| null null | Burkenroad Reports |
| Christopher Marinac | FIG Partners |
| Feddie Strickland | Hovde Group, LLC |