Company Overview - Home Bancorp (HBCP) is a financial holding company headquartered in Lafayette, with a stock price change of -0.95% since the beginning of the year [3] - The company currently pays a dividend of $0.27 per share, resulting in a dividend yield of 2.36%, which is higher than the Banks - Southeast industry's yield of 2.25% and the S&P 500's yield of 1.57% [3] Dividend Performance - Home Bancorp's current annualized dividend of $1.08 represents a 6.9% increase from the previous year [4] - Over the past five years, the company has increased its dividend four times, achieving an average annual increase of 3.74% [4] - The current payout ratio is 23%, indicating that the company paid out 23% of its trailing 12-month earnings per share as dividends [4] Earnings Growth Expectations - For the fiscal year 2025, the Zacks Consensus Estimate projects earnings of $4.77 per share, reflecting a year-over-year earnings growth rate of 4.61% [5] Investment Appeal - HBCP is considered an attractive dividend play and a compelling investment opportunity, currently holding a Zacks Rank of 2 (Buy) [7]

Company Overview - Home Bancorp (HBCP) is a financial holding company based in Lafayette, operating in the Finance sector with a year-to-date share price change of 7.08% [3] - The company currently pays a dividend of $0.27 per share, resulting in a dividend yield of 2.18%, which is slightly below the Banks - Southeast industry's yield of 2.22% and above the S&P 500's yield of 1.53% [3] Dividend Performance - Home Bancorp's annualized dividend of $1.08 has increased by 6.9% from the previous year [4] - Over the past five years, the company has raised its dividend four times, achieving an average annual increase of 3.74% [4] - The current payout ratio stands at 23%, indicating that the company distributes 23% of its trailing 12-month earnings per share as dividends [4] Earnings Growth - The Zacks Consensus Estimate for Home Bancorp's earnings in 2025 is projected at $4.78 per share, reflecting a year-over-year earnings growth rate of 4.82% [5] Investment Appeal - Home Bancorp is recognized as an attractive dividend investment, supported by a Zacks Rank of 2 (Buy), indicating a compelling investment opportunity [7]

Company Overview - Home Bancorp (HBCP) is headquartered in Lafayette and operates in the Finance sector [3] - The stock has experienced a price change of 4.67% since the beginning of the year [3] Dividend Information - Home Bancorp currently pays a dividend of $0.26 per share, resulting in a dividend yield of 2.15% [3] - The company's annualized dividend of $1.04 has increased by 3% from the previous year [4] - Over the last 5 years, Home Bancorp has raised its dividend 4 times, averaging an annual increase of 3.74% [4] - The current payout ratio is 22%, indicating that 22% of its trailing 12-month earnings per share (EPS) is distributed as dividends [4] Earnings Growth - The Zacks Consensus Estimate for Home Bancorp's earnings in 2025 is $4.63 per share, reflecting a year-over-year growth rate of 1.54% [5] Investment Perspective - Home Bancorp is considered a compelling investment opportunity due to its strong dividend profile and current Zacks Rank of 3 (Hold) [7]

Q4 2024 Earnings Conference Call Forward-Looking Statements Certain comments in this presentation contain certain forward looking statements (as defined in the Securities Exchange Act of 1934 and the regulations thereunder). Forward looking statements are not historical facts but instead represent only the beliefs, expectations or opinions of Home Bancorp, Inc. and its management regarding future events, many of which, by their nature, are inherently uncertain. Forward looking statements may be identified b ...

Group 1 - Home Bancorp reported revenue of $35.22 million for the quarter ended December 2024, a year-over-year increase of 7.5% [1] - The EPS for the same period was $1.21, compared to $1.17 a year ago, indicating a positive growth trend [1] - The reported revenue exceeded the Zacks Consensus Estimate of $33.95 million by 3.73%, and the EPS also surpassed the consensus estimate of $1.14 by 6.14% [1] Group 2 - Key metrics for Home Bancorp include a Net Interest Margin of 3.8%, which is above the two-analyst average estimate of 3.7% [4] - The Efficiency Ratio was reported at 63.5%, better than the two-analyst average estimate of 65.7% [4] - Total Noninterest Income was $3.63 million, exceeding the two-analyst average estimate of $3.55 million, while Net Interest Income was $31.59 million compared to the $30.40 million average estimate [4] Group 3 - Home Bancorp's shares have returned +3.1% over the past month, outperforming the Zacks S&P 500 composite's +1.1% change [3] - The stock currently holds a Zacks Rank 3 (Hold), suggesting it may perform in line with the broader market in the near term [3]

Company Performance - Home Bancorp (HBCP) reported quarterly earnings of $1.21 per share, exceeding the Zacks Consensus Estimate of $1.14 per share, and showing an increase from $1.17 per share a year ago, representing an earnings surprise of 6.14% [1] - The company posted revenues of $35.22 million for the quarter ended December 2024, surpassing the Zacks Consensus Estimate by 3.73%, compared to year-ago revenues of $32.76 million [2] - Over the last four quarters, Home Bancorp has consistently surpassed consensus EPS estimates and revenue estimates [2] Market Outlook - Home Bancorp shares have increased approximately 2.9% since the beginning of the year, while the S&P 500 has gained 3.7% [3] - The company's earnings outlook will be crucial for future stock performance, with current consensus EPS estimates at $1.09 for the coming quarter and $4.63 for the current fiscal year [4][7] - The Zacks Industry Rank indicates that the Banks - Southeast industry is currently in the top 24% of over 250 Zacks industries, suggesting a favorable environment for stock performance [8] Estimate Revisions - The estimate revisions trend for Home Bancorp is mixed, leading to a Zacks Rank 3 (Hold) for the stock, indicating expected performance in line with the market [6] - Empirical research shows a strong correlation between near-term stock movements and trends in earnings estimate revisions, which can be tracked by investors [5]

Financial Performance - The Company reported net income of $9.7 million, or $1.21 per diluted share, representing a 3% increase from the previous quarter's net income of $9.4 million, or $1.18 per diluted share [2]. - Reported net income for Q4 2024 was $9.673 million, compared to $9.437 million in Q3 2024 [36]. - Net income for the quarter was $9,673 thousand, reflecting a 3% increase compared to $9,437 thousand in the previous quarter and the same percentage increase from $9,385 thousand year-over-year [43]. - Earnings per share (basic) increased to $1.22, a 3% rise from $1.19 in the previous quarter and the same percentage increase from $1.18 year-over-year [45]. Loan and Deposit Growth - Total loans reached $2.7 billion at December 31, 2024, up $49.9 million, or 2%, from September 30, 2024, with an annualized loan growth rate of 7% [5]. - Total loans increased to $2,686,188 thousand, a 1% rise from $2,668,672 thousand in the previous quarter and a 4% increase from $2,572,400 thousand year-over-year [45]. - Total deposits were $2.8 billion at December 31, 2024, up $3.2 million, or less than 1%, from September 30, 2024 [15]. - Total deposits reached $2,789,712 thousand, up 2% from $2,730,568 thousand in the previous quarter and 6% from $2,641,939 thousand year-over-year [45]. Asset Quality - Nonperforming assets decreased to $15.6 million, or 0.45% of total assets, down $2.7 million, or 15%, from the previous quarter [8]. - Nonaccrual loans decreased to $4,591 thousand as of December 31, 2024, from $8,991 thousand on September 30, 2024, indicating a reduction of approximately 48.9% [48]. - Total nonperforming loans amounted to $13,598 thousand as of December 31, 2024, down from $18,089 thousand on September 30, 2024, representing a decline of about 24.9% [48]. - The ratio of nonperforming assets to total assets was 0.45% as of December 31, 2024, compared to 0.53% on September 30, 2024, showing an improvement [48]. Provision and Allowance for Loan Losses - The Company recorded a provision for loan losses of $873,000 in the fourth quarter, compared to $140,000 in the third quarter, primarily due to loan growth [9]. - Provision for loan losses was $873 thousand, significantly higher than $140 thousand in the previous quarter, reflecting increased caution in lending [43]. - The allowance for loan losses increased to $32,916 thousand as of December 31, 2024, from $32,278 thousand on September 30, 2024, reflecting a rise of approximately 2.0% [50]. - The total allowance for credit losses was $35,616 thousand as of December 31, 2024, compared to $34,738 thousand on September 30, 2024, marking an increase of about 2.5% [50]. Interest Income and Margin - The net interest margin (NIM) increased to 3.82%, up 11 basis points from 3.71% in the previous quarter, primarily due to lower funding costs [5]. - Net interest income rose to $31,586 thousand, up 4% from $30,382 thousand in the prior quarter, and 8% from $29,282 thousand year-over-year [43]. Shareholder Returns - The Company declared a quarterly cash dividend of $0.27 per share payable on February 21, 2025 [31]. - The Company repurchased 2,000 shares of common stock during Q4 2024 at an average price of $49.11 [32]. Other Financial Metrics - The efficiency ratio improved to 63.48%, down from 65.32% in the previous quarter, indicating better cost management [45]. - The return on average assets was 1.12%, slightly up from 1.10% in the previous quarter [45]. - Shareholders' equity totaled $396.1 million at December 31, 2024, up $2.6 million, or 1%, compared to $393.5 million at September 30, 2024 [28].

Wall Street analysts expect Home Bancorp (HBCP) to post quarterly earnings of $1.14 per share in its upcoming report, which indicates a year-over-year decline of 2.6%. Revenues are expected to be $33.95 million, up 3.6% from the year-ago quarter.The consensus EPS estimate for the quarter has remained unchanged over the last 30 days. This represents how the covering analysts, as a whole, have reassessed their initial estimates during this timeframe.Before a company announces its earnings, it is essential to ...

Investors might want to bet on Home Bancorp (HBCP) , as earnings estimates for this company have been showing solid improvement lately. The stock has already gained solid short-term price momentum, and this trend might continue with its still improving earnings outlook.The rising trend in estimate revisions, which is a result of growing analyst optimism on the earnings prospects of this financial holding company, should get reflected in its stock price. After all, empirical research shows a strong correlati ...

Financial Performance - Home Bancorp reported quarterly earnings of $1.18 per share, exceeding the Zacks Consensus Estimate of $0.97 per share, but down from $1.22 per share a year ago, representing an earnings surprise of 21.65% [1] - The company posted revenues of $34.07 million for the quarter ended September 2024, surpassing the Zacks Consensus Estimate by 2.94% and up from $33.91 million year-over-year [1] Earnings Outlook - The current consensus EPS estimate for the upcoming quarter is $1.04 on revenues of $32.95 million, and for the current fiscal year, it is $4.09 on revenues of $132 million [4] - The estimate revisions trend for Home Bancorp is currently unfavorable, resulting in a Zacks Rank 4 (Sell) for the stock, indicating expected underperformance in the near future [4] Industry Context - The Banks - Southeast industry, to which Home Bancorp belongs, is currently in the bottom 33% of over 250 Zacks industries, suggesting potential challenges for stock performance [5] - Another company in the same industry, WesBanco, is expected to report quarterly earnings of $0.52 per share, reflecting a year-over-year decline of 11.9% [5]