IMPORTANT DISCLAIMER: Blank Capital Research ("BCR") is a technology platform, not a registered investment advisor or broker-dealer. The algorithmically generated signals, scores, and rankings provided on this site ("God Mode" Signals) are for informational and research purposes only and do not constitute financial advice, investment recommendations, or an offer to sell or solicit an offer to buy any securities.
HYPOTHETICAL PERFORMANCE RESULTS: The "timing scores" and "regime signals" displayed are based on quantitative models. Hypothetical or simulated performance results have certain inherent limitations. Unlike an actual performance record, simulated results do not represent actual trading. Also, since the trades have not actually been executed, the results may have under-or-over compensated for the impact, if any, of certain market factors, such as lack of liquidity.
RISK OF LOSS: Trading in financial markets involves a high degree of risk and may result in the loss of your entire investment. Data provided by third-party sources (Intrinio, Snowflake) is believed to be reliable but is not guaranteed for accuracy or completeness. Past performance is not indicative of future results.
© 2026 Blank Capital Research. All rights reserved. System Version: Aegis V8 (God Mode).
Verdict
Quantitative factor alignment verified for current market regime.
Quant Score
Rank
#1431
Positioning
Market Dominance
Finance, Insurance, And Real Estate
Banking
$423M
John W. Bordelon
Home Bancorp, Inc. operates as the bank holding company for Home Bank, National Association that provides various banking products and services in Louisiana and Mississippi. It offers deposit products, including interest-bearing and noninterest-bearing checking, money market, savings, NOW, and certificates of deposit accounts. The company operates through a network of 19 banking offices in the Acadiana, Louisiana, and Natchez.
Headcount
440
HQ Base
Pending Verification
Get full access to institutional-quality research tools with Blank Capital Pro.
Upgrade to ProStarting at $19.99/mo
Get full access to institutional-quality research tools with Blank Capital Pro.
Upgrade to ProStarting at $19.99/mo
Dates updated upon official exchange announcement.
Get full access to institutional-quality research tools with Blank Capital Pro.
Upgrade to ProStarting at $19.99/mo
Get full access to institutional-quality research tools with Blank Capital Pro.
Upgrade to ProStarting at $19.99/mo
Get full access to institutional-quality research tools with Blank Capital Pro.
Upgrade to ProStarting at $19.99/mo
X-AXIS: EV/EBITDA (LOWER = CHEAPER) | Y-AXIS: ROE (HIGHER = ELITE) | RED CIRCLE = HBCP ANALYSIS TARGET
| Stock | Rating | Score▼ | Quality | Value | Momentum | P/E | EV/EBITDA | ROE | ROA | Gross Mgn | Op Mgn | Net Mgn | Rev Growth | Div Yield | D/E | Mkt Cap | AUDIT |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
$SII SPROTT INC. | 75 | 91 | 87 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PUK PRUDENTIAL PLC | 73 | 88 | 97 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$NMR NOMURA HOLDINGS INC | 72 | 81 | 92 | 87 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PSLV Sprott Physical Silver Trust | 69 | 82 | 80 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$UFCS UNITED FIRE GROUP INC | 68 | 81 | 93 | 76 | 5.0x | 3.5x | 13.2% | 4.1% | 99.9% | 14.7% | 11.1% | 9.2% | 2.1% | 16.0x | $775M | VS | |
$SLF SUN LIFE FINANCIAL INC | 68 | 83 | 95 | 63 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$CBOE Cboe Global Markets, Inc. | 68 | 75 | 63 | 77 | 21.3x | 15.7x | 24.0% | 13.7% | 41.7% | 32.4% | 26.4% | 8.2% | 1.1% | 30.0x | $25.7B | VS | |
$VTMX Vesta Real Estate Corporation, S.A.B. de C.V. | 67 | 69 | 77 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PHYS Sprott Physical Gold Trust | 67 | 64 | 82 | 91 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$GLDM World Gold Trust | 66 | 54 | 85 | 92 | 11.3x | 11.3x | - | 20.9% | 100.0% | 97.1% | 554.8% | -19.0% | 0.0% | - | $32.0B | VS | |
$HBCP HOME BANCORP, INC. | 54 | 35 | 67 | 73 | 11.0x | 8.5x | 10.4% | 1.3% | 0.0% | 30.0% | 24.8% | 8.3% | 2.0% | 726.0x | $423M | ||
| SECTOR BENCH | - | - | - | - | - | 11.9x | 7.8x | 9.0% | 1.3% | 77.7% | 18.1% | 21.9% | 10.7% | 2.0% | 0.5x | - | REF |
HOME BANCORP, INC. (HBCP) receives a "Hold" rating with a composite score of 53.7/100. It ranks #1431 out of 7,333 stocks in our coverage universe and carries a 3-star rating. Ratings are driven by a 6-factor quantitative model measuring quality, value, momentum, investment, stability, and short interest.
Sign in to join the discussion.
Outperforming peers — winners tend to keep winning over 3-12 months
Trading at a discount to fundamentals — favorable entry valuation
Average quality profile
Average volatility — neutral timing signal
Aggressive spending — empire-building risk, dilutive growth
Mid-range overall rating
Get full access to institutional-quality research tools with Blank Capital Pro.
Upgrade to ProStarting at $19.99/mo
Relative valuation derived from Finance, Insurance, And Real Estate sector benchmarks. Model weights: EV/EBITDA (40%), P/B (35%), P/S (25%). Re-calculated daily.
Projection based on user-defined inputs. Re-calculated daily against current market data.
Reverse DCF Framework — Mauboussin Methodology
Institutional-grade Reverse DCF analysis. This model identifies the growth hurdles embedded in current market prices. When implied growth is significantly lower than historical or projected rates, a margin of safety may exist. Re-audited daily.
No analyst ratings for HBCP.
View All Ratings| Factor | Global | Sector | Tilt |
|---|---|---|---|
| PROFITABILITY | 35 | 68 | -33DRAG |
| MOMENTUM | 73 | 81 | -8DRAG |
| VALUATION | 67 | 90 | -23DRAG |
| INVESTMENT | 29 | 35 | -6DRAG |
| STABILITY | 55 | 58 | -3NEUTRAL |
| SHORT INT | 56 | 68 | -12DRAG |
Global = full universe. Sector = relative to industry peers. Positive tilt indicates idiosyncratic strength.
ROE proxy 10.4% (sector 9.0%)
GM 0% vs sector 78%, OM 30% vs sector 18%
Capital turnover N/A
Rev growth 8%, 10yr history
Interest coverage 1.0x, Net debt/EBITDA -8.1x
Composite assessment of profitability, capital efficiency, and financial strength. Top-tier entities demonstrate sustainable cash flow generation and elite competitive moats.
Profit generated per dollar of shareholder equity
Efficiency of asset utilization
Pricing power and cost efficiency
Core business profitability
Bottom-line profitability
The Quality factor evaluates the persistence and magnitude of realized cash flows. Companies with scores >70 exhibit superior pricing power and structural financial resilience through diverse economic regimes.
Our uncertainty rating tracks the predictability of future cash flows and potential for permanent capital loss. Moderate visibility with standard industry cyclicality.
We rate HOME BANCORP, INC. (HBCP) as a Hold with a composite score of 53.7/100 at a current price of $59.60. The stock presents a mixed quantitative picture — neither compelling enough to warrant new accumulation nor weak enough to justify selling.
HOME BANCORP, INC. holds a top-quartile position (#0 of 50) within the Finance, Insurance, And Real Estate sector, based on our composite quantitative scoring across quality, value, momentum, and stability factors. The composite score of 53.7/100 places it at rank #1431 in our full universe.
The near-term outlook is constructive, with revenue growing at 8% and momentum in the 73th percentile confirming positive market sentiment. The combination of strong top-line growth and favorable price dynamics suggests the company is executing well on its growth strategy.
No Moat
Medium
Standard
Undervalued
Value factor score of 67 suggests attractive pricing.
Positive momentum indicates institutional accumulation.
Stable competitive position in a defensive sector.
Leverage of 726% D/E amplifies downside risk.
Vulnerability to macroeconomic shocks and interest rate volatility.
HOME BANCORP, INC. represents a hold based on multi-factor quantitative performance.
Our model assigns HOME BANCORP, INC. a Hold rating, with a composite score of 53.7/100 and 3 out of 5 stars. Ranked #1431 of 7,333 stocks, HBCP presents a mixed quantitative picture — neither compelling enough to initiate new positions nor weak enough to warrant selling. Investors already holding may consider maintaining their position while monitoring for changes in the factor profile.
HBCP's quality score of 35/100 is below average, suggesting challenges with profitability or capital efficiency. The company reports a return on equity of 10.4% (sector avg: 9.0%), gross margins of 0.0% (sector avg: 77.7%), net margins of 24.8% (sector avg: 21.9%). Investors should examine whether management is actively addressing these weaknesses or if they reflect structural industry headwinds.
HBCP's value score of 67/100 indicates the stock is fairly valued based on its current fundamentals. Key valuation metrics include a P/E ratio of 11.02x, an EV/EBITDA of 8.52x, a P/B ratio of 1.15x. At this level, neither a clear bargain nor overpriced, the stock's attractiveness depends more on forward growth expectations and qualitative factors.
HOME BANCORP, INC.'s investment score of 29/100 suggests limited reinvestment activity. Key growth metrics include revenue growth of 8.3% vs. a sector average of 10.7% and a return on assets of 1.3% (sector: 1.3%). While this can be positive for mature, cash-generative businesses returning capital to shareholders, it may also signal a lack of growth opportunities or management conservatism.
HBCP shows strong momentum characteristics with a score of 73/100. The stock has been trending above key moving averages, indicating solid demand from institutional buyers. Revenue growth stands at 8.3% year-over-year, while a beta of 0.73 reflects its sensitivity to broader market moves. This level of momentum typically signals sustained investor confidence and favorable near-term price action.
With a stability score of 55/100, HBCP exhibits average financial resilience. Key stability metrics include a beta of 0.73 and a debt-to-equity ratio of 726.00x (sector avg: 0.5x). While the balance sheet is not a major concern, the stock is subject to typical market volatility and may experience sharper drawdowns during risk-off episodes.
The short interest score of 56/100 for HBCP suggests somewhat elevated bearish positioning by institutional traders. Specific risk factors include elevated leverage (D/E: 726.00x), small-cap liquidity risk. With a $423M market cap (small-cap), HOME BANCORP, INC. may experience above-average volatility. Investors should consider whether the short thesis has merit or if it creates a potential short-squeeze opportunity.
HBCP pays a solid dividend yield of 2.0%, contributing an income component to total returns. This compares to a sector average dividend yield of 2.0%. This moderate yield suggests a balance between returning capital to shareholders and retaining earnings for reinvestment — a common profile among quality compounders.
HOME BANCORP, INC. is a small-cap company in the Finance, Insurance, And Real Estate sector, ranked #0 of 50 in its sector (100th percentile) and #1431 of 7,333 overall (80th percentile). Key comparisons include ROE of 10.4% exceeding the 9.0% sector median and operating margins of 30.0% above the 18.1% sector average. This top-quartile standing reflects exceptional competitive strength relative to Finance, Insurance, And Real Estate peers.
While HBCP currently exhibits a HOLD profile, superior opportunities exist within the FINANCE, INSURANCE, AND REAL ESTATE sector. Our model identifies several "Strong Buy" candidates with higher quality scores and more attractive valuations among direct industry competitors.
View Top Finance, Insurance, And Real Estate Alpha →Quant Factor Profile
Key factor gap
Momentum (73) vs Investment (29) — closing this gap could shift the rating.
EV/EBITDA 10% ABOVE SECTOR MEDIAN
ROE 16% ABOVE SECTOR MEDIAN (FAVORABLE)
Gross Margin 100% BELOW SECTOR MEDIAN
Above 50MA
37.18%
Net New Highs
+51081
Home Bancorp reported Q3 2025 net income of $12.4 million ($1.59 EPS), up 31% year-over-year, with net interest margin expanding to 4.10% for the sixth consecutive quarter. Deposit growth accelerated at 9% annualized while loan balances declined $58 million due to customer business sales and delayed project financing. Management reduced 2025 loan growth guidance to 1-2% from 4-6%, citing borrower hesitancy awaiting rate cuts. Nonperforming assets increased $5.5 million but management expects no material losses due to strong collateral positions.
Generally speaking the aim of active stock picking is to find companies that provide returns that are superior to the...
Although the revenue and EPS for Home Bancorp (HBCP) give a sense of how its business performed in the quarter ended March 2024, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers.
Evaluate the expected performance of Home Bancorp (HBCP) for the quarter ended March 2024, looking beyond the conventional Wall Street top-and-bottom-line estimates and examining some of its key metrics for better insight.
The headline numbers for Home Bancorp (HBCP) give insight into how the company performed in the quarter ended December 2023, but it may be worthwhile to compare some of its key metrics to Wall Street estimates and the year-ago actuals.