# Home Bancorp Inc. (HBCP) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Financial Services / Banks. Price $70.36, market value $554 million.

## Valuation
- **P/E (trailing): 11.8×** (5-yr avg 8.6×, 3-yr avg 9.2×). Home Bancorp Inc. trades at 11.8× trailing earnings, well above its own five-year average of 8.6×: investors are paying up relative to the company's past. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 11.1×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.38**. A PEG of 0.38 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / book: 1.2×**. The shares trade at 1.2× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 9.3%** (5-yr avg 13.5%). Free cash flow equals 9.3% of the market value, below its five-year average of 13.5%, so the shares are pricier on cash than usual. Above 5% is generally attractive.
- **Earnings yield: 8.5%**. The inverse of the P/E: 8.5% of the price is earned each year.

## Profitability
- **Return on equity: 10.6%**. 10.6% on shareholders' equity is solid.

## Growth
- **EPS growth (1 yr): 29.0%** (3-yr 12.2%/yr, 5-yr 15.5%/yr). Earnings per share rose 29.0%.
- **Free-cash-flow growth (3 yr): -2.9%/yr**. Free cash flow has compounded at -2.9% a year over three years, lagging earnings: check whether profits are turning into cash.

## Dividends
- **Dividend yield: 1.78%** ($1.22 per share, trailing). Home Bancorp Inc. yields 1.78%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 20%** (19% of free cash flow). 20% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 12**. 12 straight years of increases, a record that survived at least one recession.
- **Dividend growth (5 yr): 5.3%/yr** (1-yr 12.9%). The dividend has grown 5.3% a year over five years.

## Price and momentum
- **Total return (1 yr): 26.0%** (YTD 22.9%, 3-mo 7.5%). The shares are up 26.0% over twelve months including dividends.
- **From 52-week high: -5.6%** (39.2% above the low). Trading 6% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 53**. An RSI of 53 is neutral.
- **Beta (1 yr): 0.54** (volatility 25%). Beta of 0.54 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=HBCP · Page: https://foliofundamentals.com/stocks/hbcp

Not investment advice.