Obermatt

Home Bancorp

NSQ:HBCP · US43689E1073
BanksSmall

360

20
Profit price51
Cash yield69
Price/Sales17
EV / Gross Profit82
Price/Book29
Returns on capital54
Profit margins
Cash Conversion77
Accruals77
Owner Earnings Margin38
Sales growth22
Profit Growth29
Owner Earnings Growth22
Reinvestment17
Price momentum60
Debt load80
Debt serviceability31
Liquidity85
Analyst ratings12
Opinion Changes50
Price Target Upside27
Market mood89
Value Creation10/20creating some value
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Home Bancorp clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Based on 3/5 components.

Profile

CountryUSA
IndustryBanks
SizeSmall
TypePublic Company
ExchangeNASDAQGS
Founded2008
Employees301
ISINUS43689E1073
Last UpdateApr 2, 2026
Themes
BankingFinanceFinancial Services

Description

Home Bancorp, Inc. operates as the bank holding company for Home Bank, N.A. that provides various banking products and services for individuals and businesses. The bank conducts business through banking offices in the Acadiana, Baton Rouge, Greater…

Analysis

Middle-of-the-road

Home Bancorp, Inc. sits in the middle of our grid: average quality, average price, no obvious signal in either direction.

On valuation, the picture is attractive. The owner-earnings multiple stands at 12.2×; owner earnings: the cash an owner could take out each year.

Growth is tepid; the safety picture is adequate. The company scores 10/20 on our value-creation score: creating some value. Analyst sentiment is cautious.

No flags apply to this company at this time: accounts, balance sheet, and cash quality all pass. A clean bill of health is meaningful, not just the absence of a warning. This analysis describes numbers; it is not investment advice.

360° rank · history

1007550250
53
2023202420252026

All-time high

90

Jan 2024

All-time low

53

Jun 2026

Average rank

75

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
17
49
54
59
Price/Earnings
32
80
57
73
Price/Book
29
45
45
74
Dividend Yield
69
32
30
43
Value (overall)
37
45
43
69

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →