Compared to Estimates, Home Bancorp (HBCP) Q1 Earnings: A Look at Key Metrics

Core Insights - Home Bancorp (HBCP) reported a revenue of $35.76 million for the quarter ended March 2025, reflecting a year-over-year increase of 10.2% and a surprise of +3.62% over the Zacks Consensus Estimate of $34.51 million [1] - The earnings per share (EPS) for the quarter was $1.37, compared to $1.14 in the same quarter last year, resulting in an EPS surprise of +20.18% against the consensus estimate of $1.14 [1] Financial Performance Metrics - Total nonperforming loans amounted to $19.05 million, exceeding the average estimate of $13.43 million from two analysts [4] - Total nonperforming assets were reported at $21.47 million, higher than the average estimate of $15.34 million from two analysts [4] - The net interest margin was 3.9%, slightly above the estimated 3.8% by two analysts [4] - Total average interest-earning assets were $3.24 billion, which is below the average estimate of $3.27 billion from two analysts [4] - The efficiency ratio stood at 60.4%, better than the average estimate of 64.4% from two analysts [4] - Total noninterest income was $4.01 million, surpassing the average estimate of $3.65 million from two analysts [4] - Net interest income reached $31.75 million, exceeding the average estimate of $30.86 million from two analysts [4] Stock Performance - Home Bancorp's shares have returned -1.9% over the past month, compared to a -5.6% change in the Zacks S&P 500 composite [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating potential performance in line with the broader market in the near term [3]