Latest Ratios: P/E Ratio 11.8x · EV/EBITDA 7.5x · ROE 11.1%. (2006–2025 historical series)
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $543M | $453M | $368M | $339M | $328M | $350M | $244M | $358M | $329M | $319M | $274M |
| Enterprise Value | $459M | $370M | $505M | $515M | $476M | $-220360720 | $90M | $364M | $333M | $238M | $362M |
| P/E Ratio → | 11.79 | 9.85 | 10.11 | 8.42 | 9.62 | 7.19 | 9.82 | 12.85 | 10.41 | 17.93 | 17.16 |
| P/S Ratio | 2.59 | 2.17 | 1.85 | 1.90 | 2.35 | 2.84 | 2.06 | 3.07 | 2.84 | 3.78 | 3.48 |
| P/B Ratio | 1.25 | 1.04 | 0.93 | 0.92 | 0.99 | 0.99 | 0.76 | 1.13 | 1.08 | 1.15 | 1.53 |
| P/FCF | 12.24 | 10.23 | 8.24 | 8.61 | 6.76 | 6.57 | 5.20 | 8.94 | 7.81 | 13.96 | 16.76 |
| P/OCF | 9.96 | 8.32 | 7.55 | 8.19 | 6.41 | 6.28 | 4.97 | 8.16 | 6.98 | 12.88 | 13.39 |
P/E links to full P/E history page with 30-year chart
Enterprise-value multiples — capital-structure-neutral measures of total business value
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 1.77 | 2.53 | 2.89 | 3.40 | -1.79 | 0.76 | 3.12 | 2.87 | 2.82 | 4.59 |
| EV / EBITDA | 7.48 | 6.03 | 10.38 | 9.59 | 10.36 | -3.47 | 2.64 | 9.91 | 8.12 | 7.56 | 14.12 |
| EV / EBIT | 7.91 | 6.37 | 11.18 | 10.28 | 11.20 | -3.65 | 2.91 | 10.78 | 8.68 | 8.11 | 15.34 |
| EV / FCF | — | 8.33 | 11.31 | 13.10 | 9.82 | -4.14 | 1.91 | 9.09 | 7.90 | 10.41 | 22.09 |
Margins and return-on-capital ratios measuring operating efficiency
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 70.5% | 70.5% | 66.4% | 74.3% | 88.8% | 103.1% | 79.2% | 83.5% | 87.7% | 89.5% | 89.3% |
| Operating Margin | 27.7% | 27.7% | 22.7% | 28.1% | 30.4% | 49.1% | 26.0% | 29.0% | 33.1% | 34.8% | 29.9% |
| Net Profit Margin | 22.0% | 22.0% | 18.3% | 22.6% | 24.4% | 39.5% | 20.9% | 24.0% | 27.3% | 19.9% | 20.3% |
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 11.1% | 11.1% | 9.5% | 11.5% | 10.0% | 14.4% | 7.8% | 9.0% | 10.9% | 7.4% | 9.3% |
| ROA | 1.3% | 1.3% | 1.1% | 1.2% | 1.1% | 1.8% | 1.0% | 1.3% | 1.4% | 0.9% | 1.0% |
| ROIC | 7.7% | 7.7% | 5.4% | 6.3% | 6.7% | 12.3% | 6.4% | 6.9% | 8.0% | 6.8% | 6.0% |
| ROCE | 5.7% | 5.7% | 8.8% | 11.0% | 10.7% | 16.3% | 8.6% | 9.2% | 10.7% | 9.7% | 9.3% |
Solvency and debt-coverage ratios — lower is generally safer
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.13 | 0.13 | 0.59 | 0.69 | 0.71 | 0.09 | 0.11 | 0.15 | 0.21 | 0.26 | 0.66 |
| Debt / EBITDA | 0.94 | 0.94 | 4.84 | 4.70 | 5.13 | 0.50 | 1.01 | 1.26 | 1.57 | 2.28 | 4.63 |
| Net Debt / Equity | — | -0.19 | 0.35 | 0.48 | 0.45 | -1.62 | -0.48 | 0.02 | 0.01 | -0.29 | 0.49 |
| Net Debt / EBITDA | -1.37 | -1.37 | 2.81 | 3.29 | 3.22 | -8.98 | -4.52 | 0.16 | 0.09 | -2.57 | 3.41 |
| Debt / FCF | — | -1.89 | 3.07 | 4.49 | 3.05 | -10.71 | -3.28 | 0.15 | 0.09 | -3.55 | 5.33 |
| Interest Coverage | 0.96 | 0.96 | 0.70 | 1.17 | 5.37 | 10.22 | 2.58 | 2.08 | 3.72 | 4.48 | 4.48 |
Net cash position: cash ($142M) exceeds total debt ($58M)
Short-term solvency ratios and asset-utilisation metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.09 | 0.09 | 0.04 | 0.03 | 0.23 | 0.38 | 0.22 | 0.18 | 0.20 | 0.23 | 0.19 |
| Quick Ratio | 0.09 | 0.09 | 0.04 | 0.03 | 0.23 | 0.38 | 0.22 | 0.18 | 0.20 | 0.23 | 0.19 |
| Cash Ratio | 0.07 | 0.07 | 0.03 | 0.03 | 0.03 | 0.24 | 0.08 | 0.02 | 0.03 | 0.08 | 0.02 |
| Asset Turnover | — | 0.06 | 0.06 | 0.05 | 0.04 | 0.04 | 0.05 | 0.05 | 0.05 | 0.04 | 0.05 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 1.7% | 2.0% | 2.2% | 2.4% | 2.4% | 2.2% | 3.2% | 2.2% | 2.0% | 1.3% | 1.1% |
| Payout Ratio | 19.5% | 19.5% | 22.5% | 20.4% | 22.8% | 16.2% | 31.9% | 28.3% | 21.2% | 24.2% | 18.7% |
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 8.5% | 10.2% | 9.9% | 11.9% | 10.4% | 13.9% | 10.2% | 7.8% | 9.6% | 5.6% | 5.8% |
| FCF Yield | 8.2% | 9.8% | 12.1% | 11.6% | 14.8% | 15.2% | 19.2% | 11.2% | 12.8% | 7.2% | 6.0% |
| Buyback Yield | 2.6% | 3.2% | 1.3% | 1.6% | 3.5% | 2.5% | 5.8% | 4.3% | 0.4% | 0.0% | 0.1% |
| Total Shareholder Yield | 4.3% | 5.1% | 3.5% | 4.0% | 5.8% | 4.8% | 9.0% | 6.5% | 2.4% | 1.3% | 1.2% |
| Shares Outstanding | — | $8M | $8M | $8M | $8M | $8M | $9M | $9M | $9M | $7M | $7M |
CRE and energy concentration
According to recent market data, HBCP trades at a P/B of 1.25, which suggests the market is pricing the bank as a stable, low-growth franchise rather than a high-return growth engine, especially when compared to peers like FFIN that command significantly higher valuation multiples.
The current P/B multiple indicates that investors are not assigning a premium to the bank's localized Acadiana franchise, likely due to the modest ROE levels observed. This valuation implies that the market expects future returns to remain constrained by the bank's heavy reliance on a low-yield securities portfolio rather than aggressive loan growth.
Based on the provided quarterly figures, HBCP's ROE has remained range-bound between 2.2% and 3.0% over the last ten quarters, indicating that the bank's profitability is currently strained by a low-margin asset mix and limited utilization of financial leverage to drive shareholder returns.
The decomposition suggests that the bank's profitability is heavily reliant on its core NIM, which has remained stagnant at 1.0%. Without a meaningful contribution from non-interest income or higher asset utilization, the bank struggles to generate the double-digit ROE levels typical of more efficient regional peers.
As reported in financial statements, HBCP has maintained a remarkably consistent NIM of 1.0% over the past ten quarters, while its efficiency ratio has fluctuated within a narrow band of 42.1% to 44.7%, suggesting a highly disciplined but potentially rigid operating cost structure.
While the efficiency ratio appears favorable, it may be masking a lack of operating leverage, as the bank has not demonstrated an ability to scale revenue significantly faster than its fixed cost base. Investors should monitor whether this efficiency can be maintained if the bank is forced to increase spending to support expansion into new markets.
Based on the bank's reported figures, the equity-to-assets ratio of 0.13 and a debt-to-equity ratio of 0.13 indicate a fortress balance sheet that, while providing significant protection against liquidity shocks, may be under-utilizing capital that could otherwise be deployed for higher-yielding loan growth.
The bank's conservative capital position suggests that management is prioritizing safety over aggressive expansion, which may be a rational response to the economic volatility of the Gulf Coast. However, this lack of leverage effectively caps the potential for ROE expansion, leaving the bank in a defensive posture.
The P/E ratio is the most commonly misapplied metric for HBCP, as it obscures the significant impact of non-cash provision volatility and the bank's heavy reliance on interest-spread income, which can fluctuate independently of the bank's underlying operational health.
Investors should instead focus on the Price-to-Tangible Book Value (P/TBV) ratio, as it provides a more accurate reflection of the bank's liquidation value and capital adequacy. Relying on P/E ignores the reality that HBCP's earnings are heavily influenced by accounting-driven credit provisions rather than pure operational performance.
Includes 30+ ratios · 20 years · Updated daily
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Quick answers to the most common questions about buying HBCP stock.
Home Bancorp, Inc.'s current P/E ratio is 11.8x. The historical average is 15.2x. This places it at the 39th percentile of its historical range.
Home Bancorp, Inc.'s current EV/EBITDA is 7.5x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 10.8x.
Home Bancorp, Inc.'s return on equity (ROE) is 11.1%. The historical average is 7.9%.
Based on historical data, Home Bancorp, Inc. is trading at a P/E of 11.8x. This is at the 39th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
Home Bancorp, Inc.'s current dividend yield is 1.66% with a payout ratio of 19.5%.
Home Bancorp, Inc. has 70.5% gross margin and 27.7% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
Home Bancorp, Inc.'s Debt/EBITDA ratio is 0.9x, indicating low leverage. A ratio below 2x is generally considered financially healthy.