$70.56
+0.93%
2026-09-04 13:09:17 EDT+$0.65
금융 서비스
은행 - 지역
NASDAQ
활발히 거래 중
Home Bancorp, Inc.는 Home Bank, National Association의 모회사로서 루이지애나와 미시시피 전역에 걸쳐 종합적인 은행 및 금융 서비스를 제공한다. 이 회사의 상품 포트폴리오에는 ...
Home Bancorp, Inc.는 Home Bank, National Association의 모회사로서 루이지애나와 미시시피 전역에 걸쳐 종합적인 은행 및 금융 서비스를 제공한다. 이 회사의 상품 포트폴리오에는 ...
Home Bancorp, Inc. (HBCP) is a community bank holding company headquartered in Lafayette, Louisiana, operating through its subsidiary Home Bank, N.A. With a history dating back to 1908, the bank has established a strong presence in Louisiana and Mississippi, serving individuals and businesses with a comprehensive suite of deposit, lending, ...
Home Bancorp, Inc. (HBCP) is a community bank holding company headquartered in Lafayette, Louisiana, operating through its subsidiary Home Bank, N.A. With a history dating back to 1908, the bank has established a strong presence in Louisiana and Mississippi, serving individuals and businesses with a comprehensive suite of deposit, lending, and digital banking services. The company has demonstrated resilience through various economic cycles, including the 2008 financial crisis, and maintains a conservative risk profile. From a quantitative perspective, HBCP exhibits solid profitability metrics. The net profit margin stands at 22.2%, reflecting efficient cost management and a favorable interest rate environment. The return on equity (ROE) of 10.6% and return on assets (ROA) of 1.3% are respectable for a regional bank, indicating effective asset utilization. The company's balance sheet appears well-capitalized, with a debt-to-equity ratio of only 12.1% and a strong tangible book value per share of $47.71. The current ratio and quick ratio are both 0.195, which is typical for banks as their asset structure is dominated by loans rather than liquid assets. Valuation metrics suggest the stock is attractively priced relative to its earnings, with a trailing P/E ratio of 11.79 and a PEG ratio of 0.78, implying potential undervaluation when considering growth. The dividend yield of 1.8% is moderate, supported by a low payout ratio of 20.4%, indicating room for future dividend increases. Revenue growth and EPS growth have not been provided; however, the PEG ratio suggests earnings are expected to grow. Key strengths include a strong regional brand with a long history, a diversified loan portfolio including commercial real estate and consumer loans, and a low-cost deposit base. The bank's focus on credit quality and interest rate risk management has kept non-performing assets low. Additionally, the stock's low beta (0.50) offers defensive characteristics for investors. However, risks include geographic concentration in Louisiana and Mississippi, which exposes the bank to regional economic downturns and energy sector volatility. The recent increase in substandard loans, including a $12.4 million C&I loan to a manufacturing company, signals potential credit quality deterioration. Interest rate risk is a concern, as the bank's net interest income is susceptible to yield curve changes. The low current ratio is typical but indicates reliance on wholesale funding. Regulatory and compliance costs also pose ongoing challenges. Considering these factors, HBCP appears fundamentally sound with a solid capital position, consistent profitability, and prudent management. The valuation is reasonable, and the dividend provides income. However, the medium-term outlook is tempered by potential credit quality issues and macroeconomic headwinds. Long-term investors could consider it a buy, but they should monitor asset quality trends and regional economic conditions.
총이익률, 영업이익률, 순이익률이 전년 대비 어떻게 바뀌었는지 보여줍니다.
| 지표 | 현재 | 이전 | 전년 대비전년 동기 대비 변화: 현재 분기와 전년 동기 분기를 비교합니다. | 전분기 대비전분기 대비 변화: 현재 분기와 직전 분기를 비교합니다. | 신호 |
|---|---|---|---|---|---|
| 매출 | — | — | — | — | 보합 |
| 희석 EPS | — | — | — | — | 보합 |
| 잉여현금흐름 | — | — | — | — | 보합 |
| 지표 | 현재 | 이전 | 전년 대비전년 동기 대비 변화: 현재 분기와 전년 동기 분기를 비교합니다. | 전분기 대비전분기 대비 변화: 현재 분기와 직전 분기를 비교합니다. | 신호 |
|---|---|---|---|---|---|
| 순이익률 | — | 21.86% | — | — | 보합 |
| 영업이익률 | — | 27.40% | — | — | 보합 |
| ROE | — | — | — | — | 보합 |
| 지표 | 현재 | 이전 | 전년 대비전년 동기 대비 변화: 현재 분기와 전년 동기 분기를 비교합니다. | 전분기 대비전분기 대비 변화: 현재 분기와 직전 분기를 비교합니다. | 신호 |
|---|---|---|---|---|---|
| 유동비율 | — | 0.195 | — | — | 보합 |
| 당좌비율 | — | 0.195 | — | — | 보합 |
| 부채 / 자본 | — | 0.121 | — | — | 보합 |
| 지표 | 현재 | 이전 | 전년 대비전년 동기 대비 변화: 현재 분기와 전년 동기 분기를 비교합니다. | 전분기 대비전분기 대비 변화: 현재 분기와 직전 분기를 비교합니다. | 신호 |
|---|---|---|---|---|---|
| P/E | — | 11.50x | — | — | 보합 |
| P/B | — | 1.17x | — | — | 보합 |