HOME BANCORP, INC.

Listed Company

HBCPCIK 0001436425NasdaqAcceleratedSavings Institutions, Not Federally CharteredLouisianaFY ends Dec 31

Period

FY 2025

Revenue

—

Net Income

$46.06M

Total Assets

$3.49B

Equity

$435.09M

Shares Out

7.84M

Op. Cash Flow

$54.51M

Business

HOME BANCORP, INC. is a bank holding company that provides commercial banking services through its wholly-owned subsidiary, Home Bank, N.A. The company offers deposit-taking, loan origination, investment securities and fee-based services, and invests in New Markets and federal tax credit opportunities through bank-owned subsidiaries. Its primary business lines include consumer and residential mortgage lending, home equity products, and a strategic focus on commercial real estate and commercial and industrial lending. The company serves customers via branch offices across south Louisiana, Natchez, Mississippi and the Houston, Texas area, supplemented by online banking and correspondent funding relationships.

Summary from filing dated 2025-03-12

Financials

Consolidated Statement of Income

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Loans, including fees	179	170	149	113	102
Taxable interest	10	11	12	10	4
Tax-exempt interest	288,000	290,000	367,000	481,000	339,000
Other investments and deposits	4	4	2	3	685,000
Total interest income	194	185	164	126	107
Deposits	53	53	28	5	5
Other borrowings expense	168,000	6	214,000	213,000	212,000
Subordinated debt expense	3	3	3	2	0
Short-term Federal Home Loan Bank advances	3	963,000	11	361,000	0
Long-term Federal Home Loan Bank advances	516,000	1	1	416,000	471,000
Total interest expense	61	65	43	8	—
Net interest income	133	120	121	118	101
Provision for loan losses	1	2	2	7	−10
Net interest income after provision for loan losses	132	118	118	111	111
Gain on sale of loans, net	860,000	470,000	816,000	663,000	3
Income from bank-owned life insurance	1	1	1	915,000	3
Loss on sale of securities, net	0	0	−249,000	0	0
Gain (loss) on sale of assets, net	3,000	33,000	−27,000	26,000	−504,000
Other income	1	1	1	1	1
Total noninterest income	15	15	15	14	16
Compensation and benefits	53	51	49	48	39
Occupancy	10	10	10	9	7
Marketing and advertising	2	2	2	2	2
Data processing and communication	10	10	9	9	9
Professional services	2	2	2	2	1
Forms, printing and supplies	802,000	794,000	781,000	766,000	644,000
Franchise and shares tax	2	2	2	2	1
Regulatory fees	2	2	2	2	1
Foreclosed assets, net	1	341,000	−547,000	523,000	453,000
Amortization of acquisition intangible	1	1	2	2	1
(Reversal) provision for credit losses on unfunded commitments	−1	106,000	501,000	278,000	390,000
Other expenses	6	5	5	5	4
Total noninterest expense	90	87	83	82	67
Income before income tax expense	58	45	50	43	60
Income tax expense	12	9	10	8	12
Net Income	46	36	40	34	49
Basic (in usd per share)	5.93	4.58	5.02	4.19	5.8
Diluted (in usd per share)	5.87	4.55	4.99	4.16	5.77
Cash dividends declared per common share (in usd per share)	1.14	1.01	1	0.93	0.91

Consolidated Balance Sheet

As of · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Cash and cash equivalents	142	99	76	87	601
Investment securities available for sale, at fair value (amortized cost $414,884 and $443,804, respectively)	391	403	434	487	328
Investment securities held to maturity (fair values of $1,066 and $1,065, respectively)	1	1	1	1	2
Mortgage loans held for sale	2	832,000	361,000	98,000	—
Loans, net of unearned income	2,744	2,718	2,582	2,431	1,840
Allowance for loan losses	−33	−33	−32	−29	−21
Total loans, net of unearned income and allowance for loan losses	2,711	2,685	2,550	2,401	1,819
Office properties and equipment, net	49	42	42	44	44
Cash surrender value of bank-owned life insurance	50	48	47	46	40
Goodwill and core deposit intangibles	84	85	86	88	62
Accrued interest receivable and other assets	64	79	83	74	41
Total Assets	3,493	3,444	3,320	3,228	2,938
Noninterest-bearing	793	733	744	904	766
Interest-bearing	2,180	2,048	1,926	1,729	1,769
Total deposits	2,973	2,781	2,671	2,633	2,536
Other borrowings	0	6	6	6	6
Subordinated debt, net of unamortized issuance cost	55	54	54	54	0
Short-term Federal Home Loan Bank advances	0	137	150	155	0
Long-term Federal Home Loan Bank advances	3	38	43	21	26
Accrued interest payable and other liabilities	27	31	30	29	19
Total Liabilities	3,058	3,048	2,953	2,898	2,586
Preferred stock, $0.01 par value - 10,000,000 shares authorized; none issued	0	0	0	0	0
Common stock, $0.01 par value - 40,000,000 shares authorized; 7,831,342 and 8,091,522 shares issued and outstanding, respectively	78,000	81,000	81,000	83,000	85,000
Additional paid-in capital	169	168	166	165	—
Employee Stock Ownership Plan (ESOP)	−982,000	−1	−2	−2	—
Retained earnings	285	259	235	206	189
Accumulated other comprehensive loss	−18	−30	−31	−39	744,000
Total Shareholders Equity	435	396	367	330	352
Total Liabilities and Shareholders Equity	3,493	3,444	3,320	3,228	2,938

Consolidated Statement of Cash Flows

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
(Reversal) provision for unfunded commitments	−1	106,000	501,000	—	—
Depreciation	3	3	4	3	3
Amortization and accretion of purchase accounting valuations and intangibles	2	3	4	4	4
Losses on equity investments	182,000	0	0	—	—
Federal Home Loan Bank stock dividends	−370,000	−497,000	−607,000	−53,000	−15,000
Net amortization of premium on investments	184,000	281,000	374,000	1	2
Amortization of subordinated debt issuance cost	216,000	218,000	228,000	120,000	0
Loss on sale of securities, net	0	0	249,000	0	0
Proceeds, including principal payments, from loans held for sale	73	48	17	67	200
Originations of loans held for sale	−73	−48	−17	−65	−189
Non-cash compensation	3	3	2	2	2
Deferred income tax benefit	−123,000	−44,000	−33,000	−882,000	3
Decrease (increase) in accrued interest receivable and other assets	5	527,000	−8	−10	−3
Increase in cash surrender value of bank-owned life insurance	−1	−1	−1	−915,000	−886,000
(Decrease) increase in accrued interest payable and other liabilities	−3	2	−2	10	−2
Net cash provided by operating activities	55	49	41	51	56
Purchases of securities available for sale	−26	−11	0	−238	−168
Proceeds from maturities, prepayments and calls on securities available for sale	55	44	50	58	81
Proceeds from sales on securities available for sale	0	0	14	0	5
Increase in loans, net	−31	−142	−155	−279	134
Decrease in interest-bearing deposits in banks	0	99,000	250,000	0	0
Proceeds from sale of foreclosed assets	3	2	809,000	3	2
Purchases of office properties and equipment	−10	−4	−2	−3	−2
Proceeds from sale of office properties and equipment	187,000	248,000	4,000	82,000	414,000
Purchase of Federal Home Loan Bank stock	−2	−4	−5	−4	0
Proceeds from redemption of Federal Home Loan Bank stock	8	7	3	0	0
Net cash used in investing activities	−3	−107	−94	−495	55
Increase in deposits, net	192	110	38	−256	322
Borrowings on Federal Home Loan Bank advances	3,599	1,073	17,421	155	0
Repayments of Federal Home Loan Bank advances	−3,771	−1,090	−17,404	−5	−3
Repayments of other borrowings	−6	0	0	—	—
Proceeds from exercise of stock options	87,000	130,000	102,000	375,000	80,000
Issuance of stock under incentive plans	640,000	886,000	329,000	324,000	303,000
Dividends paid to shareholders	−9	−8	−8	−8	−8
Purchase of Companys common stock	−14	−5	−5	−11	−9
Net cash (used in) provided by financing activities	−9	81	41	−70	303
Net change in cash and cash equivalents	43	23	−12	−514	413
Interest paid on deposits and borrowed funds	62	62	42	8	6
Income taxes paid	13	6	13	7	12
Loans transferred to ORE, net of charge offs	3	2	2	1	2
Recognition of new operating leases	0	177,000	3	5	933,000

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