Home Bancorp Expectations for 2026 | Price, Valuation & Forecast

Home Bancorp

NasdaqGS:HBCP

$ 60,73

+ $0,19 (0,31%)

60,73 $

+$0,19 (0,31%)

End-of-day quote: 03/26/2026

Home Bancorp Stock Value

The analyst rating for NasdaqGS:HBCP is currently Outperform.

Outperform

Home Bancorp Company Info

EPS Growth 5Y

15,39%

Market Cap

$0,48 B

Long-Term Debt

$0,06 B

Short Interest

0,95%

Quarterly earnings

04/20/2026

Dividend

$1,24

Dividend Yield

2,05%

Founded

1908

Industry

Financials

Country

United States

ISIN Number

US43689E1073

Website

http://www.home24bank.com

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

$64,00

5.38%

Last Update: 03/26/2026

Analysts: 3

Highest Price Target $69,00

Average Price Target $64,00

Lowest Price Target $62,00

In the last five quarters, Home Bancorp’s Price Target has risen from $38,29 to $55,00 - a 43,64% increase. Three analysts predict that Home Bancorp’s share price will increase in the coming year, reaching $64,00. This would represent an increase of 5,38%.

Top growth stocks in the financials sector (5Y.)

What does Home Bancorp do?

Home Bancorp, Inc. operates as the bank holding company for Home Bank, National Association that provides various banking products and services. The bank, which is headquartered in Lafayette, Louisiana and is a wholly-owned subsidiary of the company, conducts business through various banking offices in the Acadiana, Baton Rouge, Greater New Orleans and Northshore (of Lake Pontchartrain) regions of south Louisiana, the Natchez region of west Mississippi and Houston region of Texas. The company...

Home Bancorp, Inc. operates as the bank holding company for Home Bank, National Association that provides various banking products and services.

The bank, which is headquartered in Lafayette, Louisiana and is a wholly-owned subsidiary of the company, conducts business through various banking offices in the Acadiana, Baton Rouge, Greater New Orleans and Northshore (of Lake Pontchartrain) regions of south Louisiana, the Natchez region of west Mississippi and Houston region of Texas.

The company is subject to regulation as a bank holding company by the Board of Governors of the Federal Reserve System (the 'FRB' or the 'Federal Reserve'). The bank established HB Investment Fund I, LLC and HB Investment Fund II, LLC, wholly-owned subsidiaries of the bank to invest in New Markets Tax Credits ('NMTC') and Federal Tax Credits ('FTC') in the company's market areas.

The bank is primarily engaged in attracting deposits from the general public and using those funds to invest in loans and securities. The company's principal sources of funds are customer deposits, repayments of loans, repayments of investments and funds borrowed from outside sources, such as the Federal Home Loan Bank ('FHLB') of Dallas.

These funds are primarily used for the origination of loans, including one-to four-family first mortgage loans, home equity loans and lines, commercial real estate loans, construction and land loans, multi-family residential loans, commercial and industrial loans and consumer loans. The bank derives its income principally from interest earned on loans and investment securities and, to a lesser extent, from fees received in connection with the origination of loans, service charges on deposit accounts and for other services. The bank's primary expenses are interest expense and general operating expenses, the most significant of which is compensation and benefits.

Although the company continues to be an active originator of residential home mortgage loans and other consumer loans in the company's market areas, the company's efforts are focused on originating commercial real estate loans and commercial and industrial loans. Commercial real estate loans and commercial and industrial loans are deemed attractive due to their generally higher yields and shorter anticipated lives compared to single-family residential mortgage loans. In addition, the bank views commercial real estate and commercial and industrial loans as attractive lending products because the bank's commercial borrowers typically maintain deposit accounts at the bank, increasing the bank's core deposits.

Market Area

The bank has four primary market areas across south Louisiana: Acadiana, Baton Rouge, Greater New Orleans, and the Northshore (of Lake Pontchartrain), one primary market area in each of Natchez, Mississippi and the Houston, Texas area. The bank operates various banking offices in Acadiana, in Baton Rouge, in the Greater New Orleans area, in the Northshore region, in Natchez, and in the Houston area.

Loans

One- to four-family first mortgage: This category consists of loans secured by first liens on residential real estate.

Home equity loans and lines: This category consists of loans secured by first and junior liens on residential real estate.

Commercial real estate ('CRE'): This category consists of loans primarily secured by office and industrial buildings, warehouses, retail shopping facilities and various special purpose properties, including hotels and restaurants.

Construction and land ('C&D'): This category consists of loans to finance the ground-up construction and/or improvement of residential and commercial properties and loans secured by land.

Multi-family residential: This category consists of loans secured by apartment or residential buildings with five or more units used to accommodate households on a temporary or permanent basis.

Commercial and industrial ('C&I'): This category consists of secured and unsecured loans to purchase capital equipment, agriculture operating loans and other business loans for working capital and operating purposes. Secured loans are primarily secured by accounts receivable, inventory and other business assets.

Consumer: This category consists of loans to individuals for household, family and other personal use.

Credit cards: This category consists of unsecured revolving lines of credit for personal and commercial use.

Investment Securities Portfolio

As of December 31, 2023, the company's investment securities portfolio included U.S. agency mortgage-backed securities, collateralized mortgage obligations, municipal bonds, U.S. government agency securities, and corporate bonds.

Deposits

The company offers a variety of deposit accounts with a range of interest rates and terms. The company's deposits consist of checking, both interest-bearing and noninterest-bearing, money market, savings and certificate of deposit accounts. The company's deposits are obtained predominantly from the areas where the company's branch offices are located.

Supervision and Regulation

The bank is subject to federal regulation and oversight by the Office of the Comptroller of the Currency ('OCC'). The bank is also subject to regulation and examination by the FDIC, which insures the deposits of the bank to the maximum extent permitted by law, and requirements established by the Federal Reserve. The company has experienced heightened regulatory requirements and scrutiny following the global financial crisis and the enactment in 2010 of the Dodd-Frank Wall Street Reform and Consumer Protection Act (the 'Dodd-Frank Act').

The company is a bank holding company, subject to regulation, supervision and examination by the Federal Reserve. The Federal Reserve has enforcement authority with respect to the company similar to that of the OCC over the bank.

The business activities of the company is generally limited to those activities permissible for bank holding companies under Section 4(c)(8) of the Bank Holding Company Act and certain additional activities authorized by the Federal Reserve regulations.

The company has registered its common stock with the Securities and Exchange Commission under Section 12(b) of the Securities Exchange Act of 1934. Accordingly, the company is subject to the proxy and tender offer rules, insider trading reporting requirements and restrictions and certain other requirements under the Securities Exchange Act of 1934.

As a public company, the company is subject to the Sarbanes-Oxley Act of 2002 which addresses, among other issues, corporate governance, auditing and accounting, executive compensation and enhanced and timely disclosure of corporate information.

The bank is subject to regulation and oversight by the OCC extending to all aspects of its operations. As part of this authority, the bank is required to file periodic reports with the OCC and is subject to periodic examinations by the OCC and the FDIC.

The deposits of the bank are insured to the maximum extent permitted by the Deposit Insurance Fund and are backed by the full faith and credit of the U.S. government.

The Office of the Comptroller of the Currency is required to assess the bank's record of compliance with the Community Reinvestment Act. The bank received an 'Outstanding' Community Reinvestment Act rating in its most recent federal examination.

In addition, Sections 22(g) and (h) of the Federal Reserve Act, place restrictions on loans to executive officers, directors and principal shareholders of a national bank and its affiliates. Under Section 22(h), loans to a director, an executive officer, a greater than 10% shareholder of a national bank and certain affiliated interests of either, may not exceed, together with all other outstanding loans to such person and affiliated interests, a national bank's loans to one borrower limit (generally equal to 15% of the bank's unimpaired capital and surplus). Section 22(h) also requires that loans to directors, executive officers and principal shareholders be made on terms substantially the same as offered in comparable transactions to other persons unless the loans are made pursuant to a benefit or compensation program that (i) is widely available to employees of the bank and (ii) does not give preference to any director, executive officer or principal shareholder or certain affiliated interests of either, over other employees of the national bank. Section 22(h) also requires prior board approval for certain loans. In addition, the aggregate amount of extensions of credit by a national bank to all insiders cannot exceed the bank's unimpaired capital and surplus. Furthermore, Section 22(g) places additional restrictions on loans to executive officers. The bank is subject to Sections 22(g) and (h) of the Federal Reserve Act, and as of December 31, 2023 was in compliance with the above restrictions.

The Consumer Financial Protection Bureau has broad rulemaking authority for a wide range of consumer protection laws that apply to all providers of consumer products and services, including the bank, as well as the authority to prohibit 'unfair, deceptive or abusive' acts and practices. FDIC-insured institutions with $10 billion or less in assets, like the bank, continue to be examined by their applicable bank regulators.

All financial institutions, including national banks, are subject to federal laws that are designed to prevent the use of the U.S. financial system to fund terrorist activities. Financial institutions operating in the United States must develop anti-money laundering compliance programs, due diligence policies and controls to ensure the detection and reporting of money laundering. Such compliance programs are intended to supplement compliance requirements, also applicable to financial institutions, under the Bank Secrecy Act and the Office of Foreign Assets Control Regulations. The bank has established policies and procedures to ensure compliance with these provisions.

The bank is a member of the FHLB of Dallas.

History

Home Bancorp, Inc. was founded in 1908.

Home Bancorp Questions and Answers

Which sectors generate sales and which are the top 3 markets?

I'm sorry, but I do not have specific information on the revenues of Home Bancorp, Inc. for the year 2026. However, I can provide you with a general assessment based on typical business models of regional banks like Home Bancorp. **Main Industries:** 1. **Lending:** Mortgages, consumer loans,...

At which locations are the company’s products manufactured?

**Home Bancorp, Inc. (NasdaqGS:HBCP)** is a financial services company and not a manufacturing company. The company offers banking services, including deposit products, loans, and other financial services. Therefore, Home Bancorp does not produce physical products but provides services that are mai...

What strategy does Home Bancorp pursue for future growth?

**Merger and Acquisition Strategy:** Continuing expansion through targeted acquisitions. **Digitalization:** Investments in digital banking solutions. **Customer Expansion:** Focus on tapping into new markets in the Southeastern USA. Home Bancorp, Inc. pursues a growth strategy that heavily rel...

Which raw materials are imported and from which countries?

**Current data on commodity imports:** Not specifically available for Home Bancorp, Inc. Home Bancorp, Inc. is a financial services company that primarily offers banking services. As such, it does not import commodities or materials, as its main activities are in the field of financial services and...

How strong is the company’s competitive advantage?

**Return on Equity (ROE):** 9.5% (2025) **Net Profit Margin:** 21% (2025) **Cost-Income Ratio:** 62% (2025) Home Bancorp, Inc. has a solid return on equity of 9.5%, indicating efficient capital utilization. The net profit margin of 21% shows that the company is able to convert a significant por...

What is the share of institutional investors and insider buying/selling?

**Institutional Investor Share:** 60% (estimated for 2026) **Insider Buys/Sells:** No significant transactions in the last quarter (estimated for 2026) The institutional investor share in Home Bancorp, Inc. is estimated to be around 60%. This indicates a strong interest from institutional investor...

What percentage market share does Home Bancorp have?

**Market share of Home Bancorp, Inc.:** Estimate: 0.5% (2026) **Major competitors and their market shares:** 1. JPMorgan Chase & Co. - 10% 2. Bank of America - 9% 3. Wells Fargo - 8% 4. Citigroup - 7% 5. U.S. Bancorp - 5% 6. Truist Financial - 4% 7. PNC Financial Services - 3% 8. Fifth Third Ban...

Is Home Bancorp stock currently a good investment?

**Return on Equity (ROE):** 9.5% (2025) **Equity Ratio:** 11.2% (2025) **Net Interest Margin:** 3.4% (2025) Home Bancorp, Inc. shows a solid return on equity of 9.5%, indicating efficient use of equity to generate profits. An equity ratio of 11.2% signals a healthy capital structure, providing the...

Does Home Bancorp pay a dividend – and how reliable is the payout?

**Dividend Yield:** 3.2% (2026, estimated) Home Bancorp, Inc. regularly pays dividends to its shareholders. The dividend yield is currently around 3.2%, which can be considered moderate compared to other banks in the regional sector. The reliability of Home Bancorp, Inc.'s dividend payments i...

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Home Bancorp Stock Value

Home Bancorp Company Info

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

Top growth stocks in the financials sector (5Y.)

What does Home Bancorp do?

Home Bancorp Questions and Answers

Offer & Services

Service & Collaboration

Company & Legal

New support ticket

Explore

Home Bancorp Stock Value

Home Bancorp Company Info

Analyst Price Target The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

Top growth stocks in the financials sector (5Y.)

What does Home Bancorp do?

Home Bancorp Questions and Answers

Offer & Services

Service & Collaboration

Company & Legal

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.