Home Bancorp Inc (HBCP) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Home Bancorp Inc stock (HBCP) is currently trading at $60.54. Home Bancorp Inc PE ratio is 10.15. Home Bancorp Inc PS ratio (Price-to-Sales) is 3.14. Analyst consensus price target for HBCP is $65.00. WallStSmart rates HBCP as Moderate Buy.
- HBCP PE ratio analysis and historical PE chart
- HBCP PS ratio (Price-to-Sales) history and trend
- HBCP intrinsic value — DCF, Graham Number, EPV models
- HBCP stock price prediction 2025 2026 2027 2028 2029 2030
- HBCP fair value vs current price
- HBCP insider transactions and insider buying
- Is HBCP undervalued or overvalued?
- Home Bancorp Inc financial analysis — revenue, earnings, cash flow
- HBCP Piotroski F-Score and Altman Z-Score
- HBCP analyst price target and Smart Rating
Home Bancorp Inc
📊 No data available
Try selecting a different time range
HBCP Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Home Bancorp Inc (HBCP)
HBCP trades at a significant discount to its Graham intrinsic value of $233.39, offering a 74% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Home Bancorp Inc (HBCP) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, eps growth. Overall metrics suggest strong investment potential with favorable risk/reward.
Home Bancorp Inc (HBCP) Key Strengths (5)
Keeps $41 of every $100 in revenue after operating costs
Keeps $31 of every $100 in revenue as net profit
Trading at 1.07x book value, attractively priced
Strong earnings growth at 20.60% per year
50.09% held by institutions, strong professional interest
Supporting Valuation Data
Home Bancorp Inc (HBCP) Areas to Watch (4)
Small-cap company with higher risk but more growth potential
Moderate profitability with room for improvement
Revenue is fairly priced at 3.14x sales
Solid revenue growth at 10.50% per year
Home Bancorp Inc (HBCP) Detailed Analysis Report
Overall Assessment
This company scores 66/100 in our Smart Analysis, earning a B- grade. Out of 9 metrics analyzed, 5 register as strengths (avg 8.8/10) while 4 fall into concern territory (avg 5.5/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Operating Margin, Profit Margin, Price/Book. Valuation metrics including Price/Book (1.07) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 40.50%, Profit Margin at 31.00%. Growth metrics are encouraging with EPS Growth at 20.60%.
The Bear Case
The primary concerns are Market Cap, Return on Equity, Price/Sales. Some valuation metrics including Price/Sales (3.14) suggest expensive pricing. Growth concerns include Revenue Growth at 10.50%, which may limit upside. Profitability pressure is visible in Return on Equity at 11.10%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Market Cap improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 11.10% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 10.50% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Operating Margin, Profit Margin) and negatives (Market Cap, Return on Equity). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
HBCP Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
HBCP's Price-to-Sales ratio of 3.14x sits near its historical average of 3.11x (71th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 2% below its historical high of 3.19x set in Mar 2026, and 3% above its historical low of 3.05x in Mar 2026.
WallStSmart Analysis Synopsis
Data-driven financial summary for Home Bancorp Inc (HBCP) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Home Bancorp Inc is a mature, profitable business with steady cash generation. Revenue reached 149M with 11% growth year-over-year. Profit margins are strong at 31.0%, reflecting pricing power and operational efficiency.
Key Findings
Profit margin of 31.0% and operating margin of 40.5% demonstrate strong pricing power and operational efficiency.
Generating 7M in free cash flow and 12M in operating cash flow. Earnings are translating into actual cash generation.
What to Watch Next
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Home Bancorp Inc.
Bottom Line
Home Bancorp Inc is a well-established business delivering consistent profitability with 31.0% margins. The growth phase may be slowing, but strong cash generation and operational efficiency make it suitable for investors seeking reliability over excitement.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions(1 last 3 months)
| Insider | Type | Shares |
|---|---|---|
RADER, CHRIS P Director | Buy | +500 |
Data sourced from SEC Form 4 filings
Last updated: 11:32:42 AM
About Home Bancorp Inc(HBCP)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Home Bancorp, Inc. is the banking holding company for Home Bank, a National Association offering various banking products and services in Louisiana and Mississippi. The company is headquartered in Lafayette, Louisiana.