HBCP

Image source: The Motley Fool. Tuesday, January 27, 2026 at 11:30 a.m. ET President & Chief Executive Officer — John W. Bordelon Senior Executive Vice President & Chief Financial Officer — David T. Kirkley Operator John Bordelon: Thank you, David. Good morning, and thank you for joining our earnings call today. We appreciate your interest in Home Bank as we discuss our results, our expectations for the future and our approach to creating long-term shareholder value. We're proud of everything we accomplished in 2025 and believe we are well positioned to continue the outstanding performance you've come to the expect from Home Bank. Yesterday afternoon, we reported fourth quarter net income of $11.4 million or $1.46 per share. For the full year 2025, net income was $46 million or $5.87 per share which is a record for Home Bank and 29% higher than our 2024 earnings per share. Fourth quarter net interest margin was 4.06% and the ROA was 1.29%, which was sharply higher than the fourth quarter of 2024, and that NIM was 3.82% and an ROA of 1.12. Loans grew by $38 million in the fourth quarter or 6% annualized as strong December originations exceeded still elevated payoffs and pay downs. Our pipeline is building and paydowns appear to be slowing, so we expect growth in 2026 to be in the mid-single digits. While loan growth in 2025 was not up to our historical trends, Deposits grew by 7% or $192 million with strong growth in demand deposits and relatively low-cost money market accounts. As a result of our success attracting deposits, we were able to reduce our loan-to-deposit ratio to 92% in the fourth quarter from 98% a year ago. We intend to continue to focus on deposits, which will build franchise value and position us for increased profitability when we return to our historical rate of loan growth. We continue to have success with our Texas franchise, which is now in its fourth year of operation. We now have 15 commercial bankers in 5 branches and 1 loan production office in the Houston market and expect to open a new full-service branch and close the loan production office in the first quarter. We expect the lending team we hired in late 2023 will be even more productive than they have been. Since entering the Texas market in 2022, loans have grown at a 15% annual rate and now represent 20% of our loan portfolio. Nonperforming loans increased in 2025, but our cha...

This article first appeared on GuruFocus. Release Date: April 21, 2026 For the complete transcript of the earnings call, please refer to the full earnings call transcript. Home Bancorp Inc (NASDAQ:HBCP) reported a first-quarter net income of $11.4 million, or $1.46 per share, marking a 6% increase from a year ago. Net interest margin expanded to 4.16%, a 10 basis point increase from the fourth quarter and 25 basis points higher than a year ago. Total deposits increased by $54 million in the quarter, or 7% annualized, with core deposits increasing by $118 million. The new Northwest Houston branch opened, providing a full-service presence in a fast-growing market area. Net interest income reached $34.5 million, the highest quarterly net interest income in the company's history, driven by lower funding costs and improved balance sheet structure. Loans declined by 1% in the first quarter as paydowns outpaced new production. Non-performing assets increased by $3.8 million due to the downgrade of three relationships. Non-interest income decreased by $260,000 to $3.7 million, slightly below expectations. The loan pipeline's timing and pace of future growth remain uncertain due to market volatility and interest rate uncertainty. Non-interest expenses are expected to increase modestly in the second quarter as annual raises and technology investments ramp up. Warning! GuruFocus has detected 6 Warning Sign with HBCP. Is HBCP fairly valued? Test your thesis with our free DCF calculator. Q: How does the current interest rate environment affect your net interest margin (NIM) expectations for the rest of 2026? A: David Kirkley, CFO, mentioned that despite no rate cuts, there is still potential for NIM expansion due to repricing opportunities in both the loan and investment securities portfolios. John Bourdelon, CEO, added that the deposit side will likely dictate the pace of NIM growth. Q: Can you provide more details on loan production and customer demand, particularly in the Texas markets? A: John Bourdelon, CEO, noted that the first quarter was typical compared to previous years, with demand expected to increase in the second and third quarters. The Texas market showed strength with 3% growth, and demand is anticipated to rise as customers adjust to current interest rates. Q: With the stock's recent performance, are there any plans for mergers and acquisitions (M&A)? A:...

Image source: The Motley Fool. Tuesday, April 21, 2026 at 11:30 a.m. ET President & Chief Executive Officer — John W. Bordelon Chief Financial Officer — David T. Kirkley John Bordelon: Thanks, David. Good morning, and thank you for joining our earnings call today. We appreciate your interest in Home Bancorp as we discuss our results, expectations for the future and our approach to creating long-term shareholder value. Yesterday afternoon, we reported first quarter net income of $11.4 million or $1.46 per share -- sorry, $1.45 per share. Earnings per share were down $0.01 for the fourth quarter, but increased 6% from a year ago and represented a good start to the year. Net interest margin expanded to 4.16% which was 10 basis points higher than the fourth quarter and 25 basis points higher than a year ago. Return on assets also increased to [ 1.3% ] in the first quarter. This quarter, margin expansion was driven by a 22 basis point decline in our cost of funds, which contributed to a 25 basis point decline in our overall cost of funds. Loans declined by 1% in the first quarter as paydowns continued to outpace new production. We continue to see customers delay projects and transactions while they wait for additional clarity on interest rates. Despite the low balances, we maintained pricing and structure discipline continue to generate new loan originations at attractive spreads and risk-adjusted returns. Our loan pipeline has improved in recent months, although the timing and pace of future loan growth remain difficult to predict, given continued market volatility and uncertainty around interest rates. Total deposits increased by $54 million in the quarter or 7% annualized as core deposits increased $118 million and were offset by noncore CD declines of $64 million. Noninterest-bearing deposits increased $37 million and continue to represent 27% of our total deposits. As a result of our success on the deposit front, our loan-to-deposit ratio declined to approximately 90% and positioning us well for future growth. The strength of our franchise is especially evident when you consider how we performed despite a challenging rate and economic environment. Over the past 2 years, diluted earnings per share have increased by more than 25%. Return on assets has improved by nearly 20%. Net interest margin has expanded by more than 50 basis points and our cost of deposits...

Q1 net income $11.4M, EPS $1.45, up 6% year-over-year, as net interest margin expanded to 4.16% and net interest income hit a record $34.5M driven by lower funding costs. Total deposits +$54M (core deposits +$118M; non-core CDs -$64M) lowered the loan-to-deposit ratio to ~90% and enabled repayment of all FHLB advances, even as loans fell 1% on paydowns while the loan pipeline improved to about $122M. Credit metrics weakened modestly with non-performing loans at $35.8M (1.31%) and a provision of $922K raising the allowance to $33.1M (1.23%), but net charge-offs remain very low; tangible book value per share rose to $46.04 and management said shares trading ~1.40x TBV make larger M&A more feasible. Interested in Home Bancorp, Inc.? Here are five stocks we like better. Home Bancorp (NASDAQ:HBCP) reported first-quarter 2026 net income of $11.4 million, or $1.45 per diluted share, as the company benefited from lower funding costs and continued improvement in its deposit mix. Chairman, President, and CEO John W. Bordelon said earnings per share were down a penny from the fourth quarter but up 6% from a year ago, calling the quarter “a good start to the year.” Bordelon said net interest margin expanded to 4.16%, up 10 basis points from the prior quarter and 25 basis points from the year-ago period. He attributed the improvement to lower funding costs, noting a 22-basis-point decline in the cost of funds that contributed to a 25-basis-point drop in overall cost of funds. → Credo Stock Flashes Strong Bullish Signal—Upswing Just Starting Chief Financial Officer David Kirkley said net interest income rose to $34.5 million, up $434,000 sequentially and $2.8 million from a year earlier, calling it “the highest quarterly net interest income in Home Bank’s history.” Kirkley said the cost of interest-bearing liabilities peaked in the third quarter of 2024 and has fallen 64 basis points as the company reduced exposure to higher-cost funding. In the first quarter, Kirkley said the average cost of interest-bearing deposits declined 22 basis points to 2.29%, while the overall cost of deposits fell 16 basis points to 1.68%, which he noted is “less than half of the current Fed funds target rate.” → Allbirds Exits Shoes, Pivots to AI With NewBird Rebrand During Q&A, management maintained that additional net interest margin expansion remains possible even if the Federal Reserve doe...

Home Bancorp (HBCP) reported Q1 earnings Monday of $1.45 per diluted share, up from $1.37 a year ear

Home Bancorp (HBCP) came out with quarterly earnings of $1.45 per share, beating the Zacks Consensus Estimate of $1.39 per share. This compares to earnings of $1.37 per share a year ago. These figures are adjusted for non-recurring items. This quarterly report represents an earnings surprise of +4.57%. A quarter ago, it was expected that this financial holding company would post earnings of $1.39 per share when it actually produced earnings of $1.46, delivering a surprise of +5.04%. Over the last four quarters, the company has surpassed consensus EPS estimates four times. Home Bancorp, which belongs to the Zacks Banks - Southeast industry, posted revenues of $38.22 million for the quarter ended March 2026, surpassing the Zacks Consensus Estimate by 2.84%. This compares to year-ago revenues of $35.76 million. The company has topped consensus revenue estimates four times over the last four quarters. The sustainability of the stock's immediate price movement based on the recently-released numbers and future earnings expectations will mostly depend on management's commentary on the earnings call. Home Bancorp shares have added about 11.9% since the beginning of the year versus the S&P 500's gain of 4.1%. While Home Bancorp has outperformed the market so far this year, the question that comes to investors' minds is: what's next for the stock? There are no easy answers to this key question, but one reliable measure that can help investors address this is the company's earnings outlook. Not only does this include current consensus earnings expectations for the coming quarter(s), but also how these expectations have changed lately. Empirical research shows a strong correlation between near-term stock movements and trends in earnings estimate revisions. Investors can track such revisions by themselves or rely on a tried-and-tested rating tool like the Zacks Rank, which has an impressive track record of harnessing the power of earnings estimate revisions. Ahead of this earnings release, the estimate revisions trend for Home Bancorp was favorable. While the magnitude and direction of estimate revisions could change following the company's just-released earnings report, the current status translates into a Zacks Rank #2 (Buy) for the stock. So, the shares are expected to outperform the market in the near future. You can see the complete list of today's Zacks #1 Rank (St...

LAFAYETTE, La., April 20, 2026 /PRNewswire/ -- Home Bancorp, Inc. (Nasdaq: "HBCP") (the "Company"), the parent company for Home Bank, N.A. (the "Bank") (www.home24bank.com), reported financial results for the first quarter of 2026. For the quarter, the Company reported net income of $11.4 million, or $1.45 per diluted common share ("diluted EPS"), down $51,000 from $11.4 million, or $1.46 diluted EPS, for the fourth quarter of 2025. "In March 2026, we opened our newest full-service location in Tomball, TX," said John W. Bordelon, President and Chief Executive Officer of the Company and the Bank. "We are pleased with our financial results for the first quarter. While loan production remained down during the quarter, deposit growth increased and reduced our loan to deposit ratio to 90%. Financial metrics remained strong with ROA increasing to 1.30% and a ten-basis point NIM expansion to 4.16% for the quarter. Credit metrics reflect an increase in nonperforming and criticized loans during the quarter, but we do not anticipate material losses. We remain focused on proactively identifying and resolving problem loans as quickly as possible. We are confident that our teams have the ability to broaden meaningful relationships with our customers across all our markets throughout the remainder of the year." First Quarter 2026 Highlights Loans totaled $2.7 billion at March 31, 2026, down $15.9 million, or 0.6% (a decrease of 2% on an annualized basis), from December 31, 2025. Deposits totaled $3.0 billion at March 31, 2026, up $54.0 million, or 1.8% (an increase of 7% on an annualized basis), from December 31, 2025. Core deposits increased $118.1 million, or 5.4% (an increase of 22% on an annualized basis), during the first quarter of 2026 to $2.3 billion. Net interest income in the first quarter of 2026 totaled $34.5 million, up $434,000, or 1%, from the prior quarter. The net interest margin ("NIM") was 4.16% in the first quarter of 2026 compared to 4.06% in the fourth quarter of 2025, primarily due to lower funding cost. Nonperforming assets totaled $39.9 million, or 1.12% of total assets, at March 31, 2026 compared to $36.1 million, or 1.03% of total assets, at December 31, 2025. This increase in nonperforming assets is primarily due to multiple loan relationships (with the largest relationship totaling $1.4 million) which were moved to nonaccrual status, partially...

For the quarter ended March 2026, Home Bancorp (HBCP) reported revenue of $38.22 million, up 6.9% over the same period last year. EPS came in at $1.45, compared to $1.37 in the year-ago quarter. The reported revenue compares to the Zacks Consensus Estimate of $37.17 million, representing a surprise of +2.84%. The company delivered an EPS surprise of +4.57%, with the consensus EPS estimate being $1.39. While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health. Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance. Here is how Home Bancorp performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts: Efficiency Ratio: 60% versus 61.9% estimated by three analysts on average. Net Interest Margin: 4.2% versus 4.1% estimated by three analysts on average. Annualized YTD net loan recoveries (charge-offs) to average loans: -0.1% compared to the 0.1% average estimate based on two analysts. Total Average Interest-Earning Assets: $3.31 billion versus the two-analyst average estimate of $3.33 billion. Total nonperforming assets: $39.9 million versus $34.28 million estimated by two analysts on average. Total nonperforming loans: $35.81 million versus the two-analyst average estimate of $32.39 million. Net Interest Income: $34.48 million versus the three-analyst average estimate of $33.28 million. Total Noninterest Income: $3.74 million versus $3.92 million estimated by three analysts on average. Gain on sale of loans, net: $0.23 million versus the two-analyst average estimate of $0.18 million. View all Key Company Metrics for Home Bancorp here>>> Shares of Home Bancorp have returned +8.6% over the past month versus the Zacks S&P 500 composite's +6.4% change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform the broader market in the near term. Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report Home Bancorp, Inc. (HBCP) : Free Stock An...

LAFAYETTE, La. (AP) — LAFAYETTE, La. (AP) — Home Bancorp Inc. (HBCP) on Monday reported first-quarter earnings of $11.4 million. The Lafayette, Louisiana-based bank said it had earnings of $1.45 per share. The results topped Wall Street expectations. The average estimate of three analysts surveyed by Zacks Investment Research was for earnings of $1.39 per share. The financial holding company posted revenue of $51.5 million in the period. Its revenue net of interest expense was $38.2 million, which also topped Street forecasts. Three analysts surveyed by Zacks expected $37.2 million. _____ This story was generated by Automated Insights (http://automatedinsights.com/ap) using data from Zacks Investment Research. Access a Zacks stock report on HBCP at https://www.zacks.com/ap/HBCP

This article first appeared on GuruFocus. Home Bancorp Inc (NASDAQ:HBCP) is set to release its Q1 2026 earnings on Apr 20, 2026. The consensus estimate for Q1 2026 revenue is $34.38 million, and the earnings are expected to come in at $1.39 per share. The full year 2026's revenue is expected to be $141.70 million and the earnings are expected to be $5.84 per share. More detailed estimate data can be found on the Forecast page. Warning! GuruFocus has detected 6 Warning Sign with HBCP. Is HBCP fairly valued? Test your thesis with our free DCF calculator. Over the past 90 days, revenue estimates for Home Bancorp Inc (NASDAQ:HBCP) have increased from $137.50 million to $141.70 million for the full year 2026, while they have declined from $150 million to $147.33 million for 2027. Earnings estimates have increased from $5.71 per share to $5.84 per share for the full year 2026, and from $5.83 per share to $6.15 per share for 2027. In the previous quarter ending on December 31, 2025, Home Bancorp Inc's (NASDAQ:HBCP) actual revenue was $34.05 million, which missed analysts' revenue expectations of $35.80 million by -4.89%. Home Bancorp Inc's (NASDAQ:HBCP) actual earnings were $1.46 per share, which beat analysts' earnings expectations of $1.42 per share by 3.18%. After releasing the results, Home Bancorp Inc (NASDAQ:HBCP) was down by -3.26% in one day. Based on the one-year price targets offered by 4 analysts, the average target price for Home Bancorp Inc (NASDAQ:HBCP) is $65.63 with a high estimate of $69 and a low estimate of $62. The average target implies an upside of 4.42% from the current price of $62.85. Based on GuruFocus estimates, the estimated GF Value for Home Bancorp Inc (NASDAQ:HBCP) in one year is $46.16, suggesting a downside of -26.56% from the current price of $62.85. Based on the consensus recommendation from 4 brokerage firms, Home Bancorp Inc's (NASDAQ:HBCP) average brokerage recommendation is currently 2.5, indicating an "Outperform" status. The rating scale ranges from 1 to 5, where 1 signifies Strong Buy, and 5 denotes Sell.

United Community Banks (UCB) is expected to deliver a year-over-year increase in earnings on higher revenues when it reports results for the quarter ended March 2026. This widely-known consensus outlook gives a good sense of the company's earnings picture, but how the actual results compare to these estimates is a powerful factor that could impact its near-term stock price. The earnings report, which is expected to be released on April 21, might help the stock move higher if these key numbers are better than expectations. On the other hand, if they miss, the stock may move lower. While the sustainability of the immediate price change and future earnings expectations will mostly depend on management's discussion of business conditions on the earnings call, it's worth handicapping the probability of a positive EPS surprise. This bank holding company is expected to post quarterly earnings of $0.71 per share in its upcoming report, which represents a year-over-year change of +20.3%. Revenues are expected to be $277 million, up 11.8% from the year-ago quarter. The consensus EPS estimate for the quarter has been revised 0.45% lower over the last 30 days to the current level. This is essentially a reflection of how the covering analysts have collectively reassessed their initial estimates over this period. Investors should keep in mind that an aggregate change may not always reflect the direction of estimate revisions by each of the covering analysts. Price, Consensus and EPS Surprise Estimate revisions ahead of a company's earnings release offer clues to the business conditions for the period whose results are coming out. Our proprietary surprise prediction model -- the Zacks Earnings ESP (Expected Surprise Prediction) -- has this insight at its core. The Zacks Earnings ESP compares the Most Accurate Estimate to the Zacks Consensus Estimate for the quarter; the Most Accurate Estimate is a more recent version of the Zacks Consensus EPS estimate. The idea here is that analysts revising their estimates right before an earnings release have the latest information, which could potentially be more accurate than what they and others contributing to the consensus had predicted earlier. Thus, a positive or negative Earnings ESP reading theoretically indicates the likely deviation of the actual earnings from the consensus estimate. However, the model's predictive power is s...