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Home Bancorp (HBCP)
NASDAQ:HBCP
Earnings Data
Report Date
Jul 29, 2025TBA Not Confirmed
Period Ending
2025 (Q2)Consensus EPS Forecast
1.17Last Year’s EPS
1.05Same Quarter Last Year
Moderate Buy
Based on 1 Analysts Ratings
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Earnings Call Summary
Earnings Call Date:Apr 21, 2025
|% Change Since: 0.00%
|Next Earnings Date:Jul 29, 2025
Earnings Call Sentiment|Positive
The earnings call for Home Bancorp's first quarter of 2025 reflected a generally positive financial performance with significant growth in net income, net interest margin, and loan and deposit growth. However, there were challenges related to an increase in nonperforming assets due to a few specific loan relationships. Despite these challenges, the company displayed strong cost management and continued success in strategic markets like Houston. Overall, the positive aspects outweighed the negatives, indicating a strong financial position and strategic outlook.Company Guidance
In the first quarter of 2025, Home Bancorp reported a net income of $11 million, translating to $1.37 per share, marking a 13% increase from the previous quarter and a 20% rise year-over-year. The net interest margin expanded to 3.91%, while the return on assets improved by 17 basis points to 1.29%. The company experienced a 4% annualized growth in loans, amounting to a $29.1 million increase, and deposits grew at a 7% annualized rate. Home Bancorp maintained a stable allowance for loan loss ratio at 1.21% and recorded minimal net charge-offs of $32,000. Noninterest income rose to $4 million, with noninterest expenses expected to increase by 3.5% in 2025. The company anticipates loan growth of 4% to 6% annually and plans to continue share repurchases, supported by a new 400,000 share buyback plan.Strong Net Income Growth
Net income for the first quarter was $11 million, or $1.37 per share, representing a 13% increase from the fourth quarter and a 20% increase from a year ago.
Net Interest Margin Expansion
Net interest margin expanded for the fourth consecutive quarter to 3.91%, with a return on assets increasing by 17 basis points to 1.29%.
Loan and Deposit Growth
Loans grew by $29.1 million, about 4% annualized, and deposits increased at a 7% annualized rate. Noninterest-bearing deposits increased by $21.9 million.
Houston Market Success
The Houston market has been a tremendous success with plans to upgrade and expand the physical footprint, including a new branch building.
Efficient Cost Management
The core efficiency ratio declined to 60% in Q1, with noninterest expense decreasing by $776,000.
Share Repurchase Activity
Repurchased 297,000 shares through April 17 at an average price of $43.82 per share, with a new 400,000 share repurchase plan approved.
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HBCP Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
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HBCP Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
| Apr 21, 2025 | $43.15 | $47.75 | +10.66% |
| Jan 27, 2025 | $48.12 | $50.22 | +4.36% |
| Oct 17, 2024 | $44.51 | $44.41 | -0.22% |
| Jul 17, 2024 | $44.44 | $41.16 | -7.38% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
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FAQ
When does Home Bancorp (HBCP) report earnings?
Home Bancorp (HBCP) is schdueled to report earning on Jul 29, 2025, TBA Not Confirmed.
What is Home Bancorp (HBCP) earnings time?
Home Bancorp (HBCP) earnings time is at Jul 29, 2025, TBA Not Confirmed.
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is HBCP EPS forecast?
HBCP EPS forecast for the fiscal quarter 2025 (Q2) is 1.17.
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