Home Bancorp (HBCP) Reports Q2 Earnings: What Key Metrics Have to Say

Group 1 - Home Bancorp (HBCP) reported revenue of $37.07 million for the quarter ended June 2025, reflecting an 11.8% increase year-over-year and a surprise of +3.54% over the Zacks Consensus Estimate of $35.8 million [1] - Earnings per share (EPS) for the quarter was $1.45, compared to $1.02 in the same quarter last year, resulting in an EPS surprise of +16.94% against the consensus estimate of $1.24 [1] - The stock has returned +13.3% over the past month, outperforming the Zacks S&P 500 composite's +5.4% change, and currently holds a Zacks Rank 3 (Hold) [3] Group 2 - Efficiency Ratio was reported at 60.5%, better than the estimated 62.9% by two analysts [4] - Net Interest Margin remained stable at 4%, matching the average estimate [4] - Total Average Interest-Earning Assets were $3.26 billion, consistent with the average estimate [4] - Total nonperforming loans amounted to $23.35 million, exceeding the estimated $18.97 million [4] - Total nonperforming assets were reported at $25.43 million, higher than the estimated $21.4 million [4] - Annualized YTD net loan recoveries (charge-offs) to average loans were at -0%, compared to the average estimate of 0.1% [4] - Total Noninterest Income was $3.72 million, slightly below the average estimate of $3.76 million [4] - Net Interest Income was reported at $33.35 million, surpassing the estimated $32.03 million [4]