Home Bancorp stock
HBCPNASDAQHome Bancorp, Inc., Financial ServicesISIN US43689E1073
65Score 65 out of 100, Neutral
Price and trend
62 / 100
Price history
+13% in one yearThe chart shows daily closes over 18 years, adjusted for stock splits and without dividends. Click into the chart to set a price alert at that price.
Below the 200-day line: the price is 5.3% below it.
Since May 2025 the 50-day line has been above the 200-day line; the trend has turned up.
Normal: the price is neither overheated nor sold off (RSI 51).
The price is 15% below its 52-week high. Largest decline in 18 years: 60% (June 2018 to March 2020).
Chart figures for advanced users
- SMA 50$65.27
- Average price of the last 50 trading days, shows the short-term trend.
- SMA 200$65.09
- Average price of the last 200 trading days, shows the long-term trend.
- RSI (14)51
- Relative strength over the last 14 days on a scale from 0 to 100. Above 70 the price counts as overheated, below 30 as sharply fallen.
- MACDabove the signal line
- Compares a fast and a slow price average. Above its signal line momentum is rising, below it momentum is fading.
- Support$52.43
- The lowest closing price of the last twelve months.
- Resistance$72.51
- The highest closing price of the last twelve months.
Snapshot
Computed from the data by fixed rules, no AI
- Home Bancorp, Inc. belongs to the Banks (Regional) industry (United States) and, with a market value of $479.35M, is number 375 of 420 companies in its industry on MEQIRI.
- In fiscal 2025 it reported revenue of $148.71M (up 10.3% year on year) and earnings of $46.06M (up 26.5%).
- For fiscal 2026, analysts expect on average revenue of $158.53M (up 6.6%) and adjusted earnings per share of $5.65 (down 4.2%).
Show more
- MEQIRI Score 65 out of 100 (Neutral): rank 593 of 975 in Financial Services, median 68.
- The P/E is 10.9 (Banks (Regional) median 12.2, own median of recent years 9.9).
- Our model puts fair value at $73.42, with the price 16% below it.
In plain words
The numbers on this page in plain words, written by an AI
Strengths
- Share buybacksShare count down 10% since 2020.
- Consistently profitableProfit in all 10 fiscal years from 2016 to 2025.Fundamentals 79
- Reliable dividendNo dividend cut for 11 years.
Weaknesses
None of our weakness checks flags anything. Crash risk is measured separately.
Its standout strengths are valuation and stability, while profitability and capital allocation hold the score back.
Daily figure as of 13 Nov 2026
How the score is calculatedScore overview
The fundamentals are strong overall.
Score history
The full history of up to 20 years comes with MEQIRI Pro.
See plansCrash risk low
How well MEQIRI warnsOne of the 30% with the lowest crash risk among smaller stocks.
From 2016 to 2025, 14 in 100 such stocks fell 30% or more within a year, against a group average of 23 in 100.
What lowers it
- calm price action
- solid fundamentals
Valuation
Valuation signal
Modestly undervaluedIn our model the price counts as cheap below $61.19 and expensive above $91.78 (uncertainty low, based on the price swings of the past year).
The two parts of the fair value come to $77.76 (excess return model) and $69.09 (industry comparison), and the gap between them shows how uncertain the estimate is. The price is below both.
Calculated with a cost of equity of 8.8%. At 9.8% the fair value would be $66.94, at 7.8% it would be $83.14.
Valuation metrics
Half from the excess return model, half from earnings times the industry P/E (12.2).
Calculate with your own assumptionsCompany performance
This shows several years of history with an automatic assessment.
Revenue
In the twelve months to 30 Sep 2026, revenue rose 7% on the twelve months before. Revenue has grown strongly since 2006, at around 12% per year.
Margins
- Operating margin
- Net margin
In fiscal 2025: operating 39%, net 31%. Banks and insurers have no gross margin, and their net margin is not comparable with other industries. The score leaves both out.
Debt & balance sheet
latest quarterFor banks and insurers, deposits and liabilities are the business. Debt to equity and the current ratio say little here, and the score does not rate them.
Earnings
- Next earnings
- 25 Jan 2027in 73 days
- Last reported
- 19 Oct 2026EPS reported $1.28 (expected $1.50)below expectations
Analyst estimates
Analysts have cut their 2026 earnings estimate by 5.2% since 15 Oct 2026. Falling estimates often precede bad news.
- Earnings per share
- $5.65−5.2%
- Revenue
- $158.53M−0.3%
- Earnings per share
- $6.05−4.3%
- Revenue
- $166.33M−0.2%
MEQIRI has stored the estimates since 15 Oct 2026. Until 30 days are available, the card shows the change since that day. Mean estimate according to Financial Modeling Prep. No price target and no recommendation.
Company outlook confirmed
Share price after the results: +1.3%Non-interest income still expected at $3.8 million to $4.1 million per quarter, with expenses of $24 million to $24.8 million.
“We continue to expect quarterly non-interest income to be in the range of $3.8 million to $4.1 million.”The outlook is not part of the score and not a recommendation to buy or sell.
From the earnings call on 21 Jul 2026 (fiscal Q2 2026), read by AI.
Insiders
Open-market purchases and sales by executives, board members and major holders
No open-market purchases in the last 6 months. 2 insiders sold, $174,282 in total.
Sales say less than purchases: many insiders sell on a fixed plan, for taxes or to diversify.
Source: Form 4 filings with the US Securities and Exchange Commission. Grants, option exercises, gifts and tax withholdings are hidden. Not a recommendation to buy.
What happened at Home Bancorp
The key events of the last six months from our own data. A click takes you to the matching card.
Sector comparison
975 rated companies in Financial Services
- This company
- 65
- Sector median
- 68
Categories against the sector median
The median is the middle value: half of the companies in the sector lie above it, half below. Categories with too few comparable companies are left out.
Competitors in Banks (Regional)
The next larger and next smaller companies by market value
- Citizens & NorthernCZNC $502.97M67
- Private Bancorp of AmericaPBAM $497.85M77
- SpareBank 1 HelgelandHELG.OL $495.01M59
- First BankFRBA $489.39M71
- Djurslands BankDJUR.CO $473.21M82
- Bank of Marin BancorpBMRC $462.97M57
- Pioneer BancorpPBFS $451M59
- Commercial BancgroupCBK $449.83M72
ETFs that hold Home Bancorp
Held by 3 ETFs on Xetra. Shown per index: the ETF with the largest weight.
| ETF | Weight | Cost | Fund size |
|---|---|---|---|
| Avantis Global Small Cap Value UCITS ETFAVWS | 0.03% | 0.39% | €1.49B |
| State Street SPDR Russell 2000 U.S. Small Cap UCITS ETF (Acc)ZPRR | 0.02% | 0.30% | €4.28B |
| Xtrackers Russell 2000 UCITS ETF 1CXRS2 | 0.01% | 0.30% | €2.22B |
Holdings as reported by the funds via FMP, excluding swap ETFs (their holdings are only collateral).
Data status and sources
- Score
- Daily value of 13 Nov 2026, recalculated nightly
- Price
- Closing price of 12 Nov 2026
- Latest annual report
- Fiscal year 2025, period end 31 Dec 2025
- Source
- Financial statements, ratios and prices from Financial Modeling Prep (FMP), based on the company's reports. MEQIRI calculates the score and fair value from them.
Mandatory disclosures for this rating
- ; time horizon around 12 months
- Rated Neutral, published since 7 Nov 2026 (in the score history since 21 Oct 2026)
- Valuation signal Fairly valued since 8 Nov 2026, previously Undervalued
- End-of-day prices, metrics cached for up to 24 hours
- Score and fair value are estimates from a disclosed model. They are not facts and not a price target.
- Produced by SSM Ventures UG (haftungsbeschränkt), responsible person Sven Brostmeyer, Managing Director, automatically according to the disclosed model.
- Not investment advice. Losses up to and including a total loss are possible. Personal circumstances are not considered.