Home Bancorp, Inc. serves as the parent company for Home Bank, National Association, delivering a comprehensive array of banking and financial services ...
Plutux is not an investment adviser. Market data and AI-generated analysis are for information and education only, not investment advice. Disclaimer
Est. EPS $1.50 · Revenue $40.23M · 3 analysts
Est. EPS $1.51
Est. EPS $1.53 · Revenue $40.87M · 3 analysts
Est. EPS $5.96 · Revenue $159.03M · 3 analysts
$1.22 per share
$1.22 per share
| Metric | Latest | YoYYoY means Year-over-Year. It compares the latest annual value with the previous annual value to show long-term trend strength. | QoQQoQ means Quarter-over-Quarter. It compares the latest quarter with the immediately previous quarter to show short-term momentum changes. |
|---|---|---|---|
| RevenueThe total money that came through the front door from selling things, before paying a single bill. Think of it as the grand total of every credit card swipe from customers. (YoY compares this year to last year's performance, while QoQ compares the current three months to the previous three). | $209.2M | +4.9% | +3.2% |
| Net IncomeThe absolute bottom line. If the company paid every single supplier, employee, banker, and tax collector, this is the actual money left in their pocket at the end of the day. | $46.1M | +26.5% | +2.2% |
| Gross MarginThe basic markup. If they sell a $100 pair of sneakers, this percentage tells you how much of that price tag is profit right after paying for the rubber and shoelaces, but before paying for things like store rent or TV commercials. | +70.5% | +6.3% | +1.2% |
| Operating MarginThe 'day job' efficiency score. Out of every dollar a customer spends, this shows how many cents the company keeps after making the product AND paying for all the everyday corporate overhead (like salaries, marketing, and keeping the lights on). | +27.7% | +22.4% | -1.8% |
| Net MarginThe final take-home percentage. When you strip away every conceivable cost, tax, and interest payment, this is the exact number of cents the company truly gets to keep from every dollar in sales. | +22.0% | +20.5% | -0.9% |
| Free Cash FlowThe holy grail of corporate cash. It's the spendable, physical money left over after the business pays for its daily operations AND buys the big, expensive upgrades (like new factories or servers) it needs to survive. This is the 'free' money they can use to pay dividends or buy back stock. | $44.3M | -0.7% | -35.8% |
| FCF MarginThe ultimate cash conversion rate. It shows how good the company is at turning regular sales directly into cold, hard, spendable cash. A high percentage means the business is an absolute cash-printing machine. | +21.2% | -5.4% | -37.8% |
| Debt / EquityThe financial risk gauge. It compares how much of the company's empire was built using borrowed money (loans) versus the owners' own money (shareholders). A high number means they are heavily leveraged and playing a riskier game; a low number means they are playing it safe. | 13.3% | -77.7% | -1.9% |
| Current RatioThe 12-month survival check. It simply compares the cash they have right now (plus things they can quickly turn into cash) against the immediate bills they absolutely must pay this year. A score above 1 means they have enough in the wallet to cover the upcoming bills without panicking. | 0.09x | +134.3% | -12.6% |
| Total AssetsThe absolute size of the company's empire. It bundles together absolutely everything of value they own—from the cash in the register and the inventory in the warehouse, to the software patents in the vault and the factories on the ground. | $3.5B | +1.4% | +1.4% |
| Metric | Annual (A vs E) | Annual Surprise | Quarter (A vs E) | Quarter Surprise |
|---|---|---|---|---|
| EPS Surprise | 5.87 vs 5.80 | +1.2% | 1.48 vs 1.46 | +1.7% |
| Revenue Surprise | $209.2M vs $148.1M | +41.3% | $53.1M vs $38.6M | +37.8% |
| Date | Executive | Title | Security | Side | Shares | Price |
|---|---|---|---|---|---|---|
| Aug 18, 2026 | Zollinger John J. IV | officer: SEVP, Chief Banking Officer | Common Stock | A | 750 | $35.26 |
| Aug 18, 2026 | Zollinger John J. IV | officer: SEVP, Chief Banking Officer | Common Stock | D | 750 | $71.68 |
| Aug 18, 2026 | Zollinger John J. IV | officer: SEVP, Chief Banking Officer | Employee Stock Option (Right to Buy) | D | 750 | $35.26 |
| Aug 17, 2026 | Hill Darren M | officer: Chief Risk Officer | Common Stock | — | 0 | — |
| Aug 17, 2026 | Hill Darren M | officer: Chief Risk Officer | Common Stock | — | 0 | — |
Operator: Good morning, ladies and gentlemen, and welcome to the Home Bancorp second quarter 2026 earnings conference call. All participants will be in listen-only mode. Should you need assistance, please signal a conference specialist by pressing the star key followed by 0. After today's presentation, there will be an opportunity to ask questions. Please note this event is being recorded. I would like to turn the conference over to Home Bancorp's Chairman and CEO, John Bordelon, President Darren Guidry, and Chief Financial Officer David Kirkley. Please go ahead, Mr. Kirkley. David Kirkley: Thank you, Anna. Good morning and welcome to Home Bancorp's second quarter 2026 earnings call. Our earnings release and investor presentation are available on our website. I'd ask that everyone please refer to the disclaimer regarding forward-looking statements in the investor presentation and our SEC filings. I'll hand it over to John to make a few comments about the second quarter. John? John Bordelon: Thanks, David. Good morning, everyone. Thank you for joining the earnings call today. We appreciate your interest in Home Bank as we discuss our results, expectations for the future, and our approach to creating long-term shareholder value. Before I discuss our second quarter results, I want to take a moment to introduce Darren Guidry as Home Bank's new president. Darren has served as our chief risk officer since 2022, and prior to that, chief credit officer beginning in 2013, and chief lending officer since he came to the bank in 1993. His deep knowledge of our business, our customers, and our markets makes him exceptionally well-suited for this expanded role. By separating the CEO and president roles, we are creating a leadership structure designed to sustain our next phase of growth. John Bordelon: As CEO, I will remain focused on overall corporate strategy, capital planning, and shareholder relations, while Darren will lead the day-to-day execution of our strategic priorities. He'll be working closely with our executive leadership team to drive performance across the organization while maintaining our strong discipline in credit quality, risk management, and customer service. We are enthusiastic about this transition and confident it will serve our shareholders, employees, and customers well for years to come. Turning to second quarter results. Yesterday afternoon, we reported second quarter net income of $11.6 million or $1.48 per diluted share. Earnings per share increased 2% from the first quarter and were up from $1.46 per share a year ago. Net interest margin expanded to 4.24% in the second quarter, and return on assets increased to 1.31%. John Bordelon: Net interest income increased to $35.8 million in the second quarter and was the highest quarterly net interest income in Home Bank's 118-year history. This continued net interest income growth and margin expansion was driven by higher yields on our earning asset portfolio and stable funding …
| Name | Title | Compensation | Gender | Year Born | Status |
|---|---|---|---|---|---|
John W. Bordelon | CEO & Chairman | USD 1,235,742 | Male | 1956 | Active |
Darren E. Guidry | President | USD 514,170 | Male | 1963 | Active |
John J. Zollinger | Senior Executive Vice President & Chief Banking Officer | USD 493,902 | Male | — | Active |
Mark C. Herpin | Senior Executive Vice President & Chief Operating Officer | USD 452,927 | Male | 1969 | Active |
David T. Kirkley | Senior EVP & CFO | USD 390,474 | Male | 1982 | Active |
Natalie Lemoine | Chief Administrative Officer & Senior EVice President | USD 345,136 | Female | 1976 | Active |
Daniel G. Guidry | Independent Director & Corporate Secretary | USD 54,564 | Male | 1953 | Active |
Home Bancorp NASDAQ: HBCP reported higher second-quarter earnings and record quarterly net interest income, while management said loan growth rebounded and the company remains focused on resolving problem credits.
Home Bancorp, Inc. (HBCP) Q2 2026 Earnings Call Transcript
Although the revenue and EPS for Home Bancorp (HBCP) give a sense of how its business performed in the quarter ended June 2026, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers.
Home Bancorp (HBCP) came out with quarterly earnings of $1.48 per share, beating the Zacks Consensus Estimate of $1.46 per share. This compares to earnings of $1.45 per share a year ago.
LAFAYETTE, La., July 20, 2026 /PRNewswire/ -- Home Bancorp, Inc. (Nasdaq: HBCP) (the "Company"), the parent company for Home Bank, N.A. (the "Bank") (www.home24bank.com), reported financial results for the second quarter of 2026. For the quarter, the Company reported net income of $11.6 million, or $1.48 per diluted common share ("diluted EPS"), up $255,000 from $11.4 million, or $1.45 diluted EPS, for the first quarter of 2026.
