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HOME BANCORP, INC.
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 whose subsidiary, Home Bank, N.A., operates 43 banking offices across south Louisiana (Acadiana, Baton Rouge, Greater New Orleans, Northshore), west Mississippi (Natchez), and Texas (Houston). The Bank attracts deposits from the general public and deploys funds through origination of one-to-four-family mortgages, home equity loans, commercial real estate loans, construction loans, multi-family residential loans, commercial and industrial loans, and consumer loans. Primary income derives from interest on loans and securities and loan-origination fees; the Bank emphasizes commercial real estate and commercial and industrial lending due to higher yields and cross-selling of deposit products.
Summary from 10-K filed 2026-03-06
Financials
Consolidated Statement of Income
Year Ended · In millions, except per-share amounts
| Concept | Trend | 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 | Trend | 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 | Trend | 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 |
Filings
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Frequently asked questions
What is HOME BANCORP, INC.'s CIK number?
HOME BANCORP, INC.'s SEC CIK number is 0001436425 (1436425). The CIK (Central Index Key) is the permanent identifier the SEC assigns to every EDGAR filer — unlike a ticker symbol, it never changes.
Where can I find HOME BANCORP, INC.'s SEC filings?
All of HOME BANCORP, INC.'s EDGAR filings — 10-K annual reports, 10-Q quarterly reports, 8-K material events, and insider transactions — are listed on this page, sourced live from SEC EDGAR.
When did HOME BANCORP, INC. last report earnings?
HOME BANCORP, INC. (HBCP) most recently filed an earnings 8-K with the SEC on Apr 20, 2026, furnishing its results under Item 2.02 (Results of Operations and Financial Condition). The earnings press release is attached to that filing (accession 0001628280-26-026028). This is HOME BANCORP, INC.'s most recent earnings filing of record — not a forecast of its next earnings date.
What is HOME BANCORP, INC.'s most recent earnings 8-K?
HOME BANCORP, INC.'s latest earnings 8-K (Item 2.02) was filed Apr 20, 2026 under accession 0001628280-26-026028. It carries the quarterly or annual earnings press release — the earliest official, SEC-filed version of the results.
View HOME BANCORP, INC.'s latest earnings 8-K →
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