Home Bancorp (HBCP) Stock Analysis & Winston Score

Home Bancorp, Inc. is a regional bank holding company based in Lafayette, Louisiana. It operates through its subsidiary, Home Bank, which offers everyday banking services like checking and savings accounts, home loans, business loans, and other financial products. The bank mainly serves individuals, families, and small to mid-sized businesses across Louisiana, Mississippi, and Texas.

Home Bancorp makes money primarily through net interest income — the difference between what it earns on loans and what it pays on deposits — along with fees from banking services. With a market cap of around $500 million, it is a smaller community-focused bank competing against both large national banks and other regional players. Its main competitive advantage is deep local relationships and knowledge of its Gulf Coast markets, which helps it retain customers. The key risk the business faces is exposure to interest rate changes, since shifts in rates directly affect the profit it earns on loans and deposits.

Winston Score History

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+0.5% YoY

YoY Growth Rate

Slow revenue growth

EPS Growth

+6.5% YoY

YoY Growth Rate

Slow EPS growth

Insider Activity

13.8%ownership

→ Flat

Insiders holding steady — not selling despite ability to

Cash Position

Cash flow positive

$223M cash & investments

Quarterly Free Cash Flow

→ Burn rate stable

Company generates more cash than it spends — no dilution risk from fundraising

Growth context

Home Bancorp is growing revenue at 1% year-over-year. The Winston Score measures business quality today — these growth metrics show what could matter tomorrow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

Each metric is explained in plain language so you know exactly what you're looking at. Start your free trial now.

Quality

Gross Margin

72.5%

Premium pricing power — 72.5% gross margin

Operating Margin

27.9%

Excellent — 27.9% operating margin

ROCE

2.9%

Weak — 2.9% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Growth

Sales YoY

+3.3%

Slow sales growth (3.3% YoY)

EPS YoY

+25.4%

Earnings growing fast (25.4% YoY)

Earnings growing 25%+ a year. The compounder zone.

EPS Consistency

8/8 quarters

Every recent quarter grew earnings vs last year

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Cash Flow

Cash Conversion

126%

Turns 126% of profit into real cash

FCF Margin

23.8%

Converts sales into free cash efficiently (23.8%)

Free cash flow margin above 20%. Out of every $100 in sales, more than $20 is real cash they keep.

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Stability

Debt / Equity

0.12

Conservative — low debt load (0.12)

Interest Cover

1.00x

Dangerous — barely covers interest (1.0x)

Interest coverage between 1 and 3. Profits cover interest, but with little room to spare.

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Valuation

P/E Ratio (TTM)

11.4x

no trend

Attractive valuation — P/E 11.4

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

P/E vs Forward

-0.2

SLOWING

Earnings expected to fall — forward P/E higher than today

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Dividends

Dividend Yield

1.76%

no trend

Small dividend — 1.76% yield

Modest yield. The bulk of any return needs to come from price appreciation.

Dividend Growth

+16.2%

no trend

Dividend growing fast (16.2% YoY)

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

🔒 See full fundamentals and if they are improving or declining — click here for your free trial now.

Start free trial