Home Bancorp, Inc.

Largest loan segment (~44% of portfolio); provides commercial mortgages, construction financing, and multi-family loans to businesses throughout LA, TX, and MS · 39.0%

Residential Mortgage Borrowers (One-to-Four-Family)

Second-largest loan segment (~18% of portfolio); originates and services first-lien residential mortgages across Louisiana, Texas, and Mississippi markets · 16.0%

Commercial & Industrial / Small Business Borrowers

Growing C&I portfolio (~10% of loans); provides working capital lines, equipment financing, and term loans to local businesses; management priority for growth · 9.0%

Retail Deposit Customers (Individuals & Households)

Core funding base; retail and small business deposits provide low-cost funding for the loan portfolio; includes checking, savings, money market, and CDs

Home Equity Line & Loan Borrowers

Secured consumer lending (~3% of portfolio); home equity lines and loans to individuals in the bank's footprint · 2.5%

대체 기업

분석에서 대표로 사용하는 상장 비교 기업 및 모니터링 종목.

대체 기업

First Financial Corporation (Indiana)

Hope Bancorp, Inc.

Home BancShares, Inc.

NYSE:HOMB

Direct peer – Arkansas-based bank holding company with similar community banking model, Gulf South/Sun Belt footprint, and comparable asset size (~$18B vs ~$3.5B). Closest publicly traded proxy for relative valuation and regional banking trends.

Origin Bancorp, Inc.

NYSE:OBK

Peer community bank holding company headquartered in Louisiana with operations across LA, TX, MS, and AL. Direct market overlap with HBCP in the Gulf South region. Comparable CRE-focused loan portfolio and branch density.

First Financial Corporation (Indiana)

NASDAQ:THFF

Identified by competitive analysis as a close structural comp. Similar total assets (~$5B), community banking model, and commercial real estate lending focus. Useful for margin and efficiency benchmarking.

Hope Bancorp, Inc.

NASDAQ:HOPE

Community/regional bank holding company with a comparable business model (commercial lending, deposit gathering, fee income). Useful as a broader regional banking proxy despite different geographic focus (West Coast).

지역

공급망을 왜곡할 수 있는 지역별 노출.

지역

Louisiana (Primary – Lafayette, Baton Rouge, New Orleans, Natchez)

Texas (Houston metro area and surrounding)

Mississippi (Natchez and surrounding areas)

Commercial real estate borrowers in Louisiana

Retail and small business deposit customers in Louisiana

Houston-area commercial real estate and C&I borrowers

Texas retail deposit customers

Mississippi retail and commercial customers

Louisiana (Primary – Lafayette, Baton Rouge, New Orleans, Natchez)

Loan portfolio concentration, deposit base, branch network, and economic dependency

Commercial real estate borrowers in LouisianaLargest concentration of CRE loans (~60%+ of CRE book estimated)

Retail and small business deposit customers in LouisianaMajority of low-cost core deposit funding sourced from Louisiana households and businesses

Texas (Houston metro area and surrounding)

Expanding loan portfolio, newer market entry via organic growth and pending acquisitions

Houston-area commercial real estate and C&I borrowersGrowing loan origination market; Home Bank expanded into Houston in 2022 with plans for further Texas acquisition (Friendswood Capital Corp)

Texas retail deposit customersNewer deposit market; branch presence in Houston area

Mississippi (Natchez and surrounding areas)

Legacy branch market with moderate loan and deposit activity

Mississippi retail and commercial customersSmaller but stable market served by multiple branch locations

집중도

공급망을 왜곡할 수 있는 고객, 공급업체 또는 파트너 집중 노출.

Other

Critical

Commercial Real Estate (CRE) Loan Concentration – CRE loans represent ~44% of total loan portfolio ($1.2B+), with owner-occupied CRE alone at 26%. Elevated exposure to downturns in commercial property markets, rising vacancy rates, and interest rate sensitivity.

Other

Critical

Geographic Concentration – Nearly all loans and deposits are concentrated in Louisiana, Texas, and Mississippi (Gulf Coast/South region). Highly vulnerable to regional economic downturns, hurricane/disaster risk, and energy sector volatility affecting the Louisiana/Texas Gulf Coast economy.

Other

High

Single Core Processor Dependency – Home Bank relies on CSI (Computer Services, Inc.) for its core banking platform (NuPoint), digital banking (Apiture), and managed cybersecurity. CSI is a private company; vendor lock-in and operational risk if CSI experiences service disruptions or data breaches.

Other

High

Interest Rate Risk – As a traditional community bank with a large fixed-rate mortgage and CRE portfolio, net interest margin is sensitive to Federal Reserve interest rate policy. Long-duration assets (~1.8 yrs effective duration per management) versus short-duration deposits create asset-liability mismatch risk.

Other

Medium

Deposit Funding Concentration – Retail and small business deposits are the primary funding source, with limited wholesale funding diversification. Average FHLB advances declined to just $3.0M by Q4 2025, indicating heavy reliance on core deposits which could be disintermediated by higher-yielding alternatives.

매출 구성

대상 기업의 매출 구성이 공급망 영향력과 의존도로 이어지는 방식.

Net Interest Income – Commercial Real Estate Lending

39.0%

CRE loans (~44% of loan portfolio) drive the largest share of interest income. Demand for funding from CRE developers and property investors is the primary downstream revenue driver. Credit risk in this segment is the key upstream sensitivity.

Net Interest Income – Residential Mortgage Lending

18.0%

One-to-four-family first mortgages + home equity (~21% of loan portfolio) generate stable spread income. Origination volumes depend on housing market conditions in LA/TX/MS markets.

Net Interest Income – Commercial & Industrial / Construction Lending

21.0%

C&I and construction loans (~20% of loan portfolio) support local business investment. Growth targeted by management for FY2025. Directly linked to regional economic activity.

Net Interest Income – Consumer & Other Lending

12.3%

Consumer, auto, and small-ticket loans provide diversified spread income. Lower margin but granular portfolio reduces concentration risk.

Noninterest Income – Service Charges on Deposit Accounts

3.7%

$0.0B

Fee income from deposit account maintenance, overdrafts, and transaction fees. Dependent on retail and business customer base size and activity levels.

회사 소개개인정보 처리방침서비스 약관면책 조항종목 디렉터리ETF지수13F 보유 종목목표주가무료 도구기술 지도Slack 참여하기

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Home Bancorp, Inc.

HBCP 공급망

상류

Computer Services, Inc. (CSI)

Fiserv, Inc. (via Clover / First Data)

Visa Inc.

Mastercard Inc.

Federal Home Loan Bank of Dallas (FHLB Dallas)

Amazon Web Services (AWS)

Autobooks LLC

First Data Merchant Services LLC (Fiserv subsidiary)

View More

하류

Commercial Real Estate Borrowers (Owner-Occupied & Non-Owner-Occupied)

Residential Mortgage Borrowers (One-to-Four-Family)

Commercial & Industrial / Small Business Borrowers

Retail Deposit Customers (Individuals & Households)

Home Equity Line & Loan Borrowers

Home Bank Branch Network (42+ Banking Centers)

Apiture Digital Banking Platform (via CSI)

HB Financial (Wealth Management Division)

대체 기업

Home BancShares, Inc.

Origin Bancorp, Inc.

First Financial Corporation (Indiana)

Hope Bancorp, Inc.

지역

Louisiana (Primary – Lafayette, Baton Rouge, New Orleans, Natchez)

Texas (Houston metro area and surrounding)

Mississippi (Natchez and surrounding areas)

HBCP 공급망

상류

Computer Services, Inc. (CSI)

Fiserv, Inc. (via Clover / First Data)

Visa Inc.

Mastercard Inc.

Federal Home Loan Bank of Dallas (FHLB Dallas)

Amazon Web Services (AWS)

Autobooks LLC

First Data Merchant Services LLC (Fiserv subsidiary)

View More

하류

Commercial Real Estate Borrowers (Owner-Occupied & Non-Owner-Occupied)

Residential Mortgage Borrowers (One-to-Four-Family)

Commercial & Industrial / Small Business Borrowers

Retail Deposit Customers (Individuals & Households)

Home Equity Line & Loan Borrowers

Home Bank Branch Network (42+ Banking Centers)

Apiture Digital Banking Platform (via CSI)

HB Financial (Wealth Management Division)

대체 기업

Home BancShares, Inc.

Origin Bancorp, Inc.

First Financial Corporation (Indiana)

Hope Bancorp, Inc.

지역

Louisiana (Primary – Lafayette, Baton Rouge, New Orleans, Natchez)

Texas (Houston metro area and surrounding)

Mississippi (Natchez and surrounding areas)