Home Bancorp (HBCP) Q3 Earnings: How Key Metrics Compare to Wall Street Estimates

Core Insights - Home Bancorp (HBCP) reported revenue of $37.84 million for the quarter ended September 2025, reflecting an 11.1% increase year-over-year [1] - Earnings per share (EPS) reached $1.59, up from $1.18 in the same quarter last year, with a surprise of +16.06% over the consensus estimate of $1.37 [1] - The reported revenue exceeded the Zacks Consensus Estimate by +1.73% [1] Financial Performance Metrics - Total nonperforming loans amounted to $29.52 million, surpassing the average estimate of $23.04 million from two analysts [4] - Total nonperforming assets were reported at $30.91 million, compared to the average estimate of $25.1 million [4] - Net Interest Margin stood at 4.1%, aligning with the average estimate [4] - Total Average Interest-Earning Assets were $3.26 billion, slightly below the average estimate of $3.27 billion [4] - Annualized YTD net loan recoveries (charge-offs) to average loans were at -0%, compared to the estimated 0.1% [4] - Efficiency Ratio was reported at 59.5%, better than the estimated 61.4% [4] - Total Noninterest Income reached $3.74 million, exceeding the average estimate of $3.65 million [4] - Net Interest Income was $34.11 million, above the average estimate of $33.53 million [4] Stock Performance - Home Bancorp's shares have returned -8.7% over the past month, while the Zacks S&P 500 composite increased by +1.1% [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating expected performance in line with the broader market [3]