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Home Bancorp (HBCP)
NASDAQ:HBCP
Earnings Data
Report Date
Apr 29, 2025TBA Not Confirmed
Period Ending
2025 (Q1)Consensus EPS Forecast
1.14Last Year’s EPS
1.18Same Quarter Last Year
Moderate Buy
Based on 1 Analysts Ratings
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Earnings Call Summary
Earnings Call Date:Jan 27, 2025
|% Change Since: -5.86%
|Next Earnings Date:Apr 29, 2025
Earnings Call Sentiment|Positive
The earnings call highlighted strong financial performance with net income and EPS growth, expansion in net interest margin, and robust loan and deposit growth. Despite slight challenges such as a decrease in non-interest income and flat loan yields, the overall outlook remains positive with confidence in continued expansion in 2025.Company Guidance
In Home Bancorp's fourth-quarter 2024 earnings call, the company reported a net income of $9.7 million, translating to $1.21 per share. The net interest margin (NIM) expanded for the third consecutive quarter to 3.82%, driven by a 15 basis point reduction in the cost of interest-bearing liabilities and stable yields on interest-earning assets. Loan growth was robust, with a 7.5% annualized increase in the fourth quarter, bringing the total 2024 loan growth to 5.3%. The company expects loan growth between 4% and 6% in 2025. Deposits grew by 4.1% in 2024, with a strong emphasis on money market accounts and CDs, while non-interest bearing deposits comprised 26% of total deposits by year-end. Non-interest expenses were projected to rise by 3.5% in 2025, mainly due to increases in compensation and technology costs, offset by reductions in occupancy expenses. Home Bancorp plans to expand by opening a new branch in Northwest Houston, enhancing its franchise in the region. The company also reported a higher loan loss provision of $873,000 and maintained a stable allowance for loan losses at 1.21%.Net Income and EPS Growth
Fourth quarter net income of $9.7 million or $1.21 per share, indicating strong financial performance.
Net Interest Margin Expansion
Net interest margin expanded for the third consecutive quarter to 3.82%, driven by a 15 basis point decline in cost of interest-bearing liabilities and an increase in average non-interest bearing deposits.
Loan Growth
Fourth quarter annualized loan growth of 7.5%, contributing to a 5.3% loan growth for 2024, driven by CRE, construction, and multi-family segments.
Deposit Growth
Deposits grew by 4.1% in 2024, with a strong contribution from customers moving into money market accounts and CDs.
Credit Performance
Net charge-offs of 4 basis points in 2024, with a decrease in non-performing assets by $2.7 million to $15.6 million.
Capital Management Success
Tangible book value per share grew at a 7.1% annualized rate over the last five years, with EPS increasing at an 8.3% annualized rate.
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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 |
|---|---|---|---|
| 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% |
| Apr 17, 2024 | $32.92 | $32.82 | -0.30% |
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 Apr 29, 2025, TBA Not Confirmed.
What is Home Bancorp (HBCP) earnings time?
Home Bancorp (HBCP) earnings time is at Apr 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 (Q1) is 1.14.
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