Home Bancorp Inc (HBCP) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Home Bancorp Inc stock $53.31, price $60.94, that is 12.5% below the price, quality 60 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
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Home Bancorp Inc
HBCP · USOur calculation puts a fair price 13% below what the stock costs today.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 6, 2026.
How to read this chart
60‑month range $26.26 – $72.51 · fair‑value band $48.04 – $68.31 · the $60.94 price screens above the $53.31 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 6, 2026.
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Company profile
Home Bancorp, Inc. operates as the bank holding company for Home Bank, National Association that provides various banking products and services for individuals and businesses in Louisiana, Mississippi, and Texas, the United States.
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The company offers deposit products, including interest-bearing and noninterest-bearing checking, money market, savings, NOW, and certificates of deposit accounts; custodial accounts; health savings and individual retirement accounts; and statement savings.
It also provides various loan products comprising one-to four-family first mortgage loans, home equity loans and lines, commercial real estate loans, construction and land loans, multi-family residential loans, commercial and industrial loans, and consumer loans; personal loans, including auto, savings and CD secured, unsecured, and credit builder loans; and business loans, such as business term and SBA loans.
In addition, the company invests in loans and securities.
Further, it offers debit and credit cards; account services; treasury management, such as online banking and bill pay, mobile banking, remote deposit capture, positive pay, and ACH positive pay services; merchant card services; and payroll cards.
Home Bancorp, Inc. was founded in 1908 and is headquartered in Lafayette, Louisiana.
Stock analysis
Home Bancorp Inc (HBCP) currently trades at $60.94, while our model-based Fair Value estimate is $53.31, 13% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $66.18 per share, and 1 of the 6 models we run sit above the $60.94 price.
Bear case: the Dividend Discount group reads lowest at $17.63, and 5 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: $48.04 (bear) to $68.31 (bull), the price of $60.94 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 60/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Home Bancorp Inc reported revenue of $209M in FY2025 versus $123M in FY2021, a compound +14.2%/yr. Reported net income was $46.1M in FY2025, compounding −1.3%/yr from FY2021.
Key figures
Market cap $478M Small · P/E ratio 10.7 · P/S ratio 3.12 · EPS (TTM) $5.67 · Dividend yield 2.1% · Net margin 29.1% · Return on equity 10.2% · Return on assets (EBIT) 1.6% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 64 out of 100 (low confidence).
What moves the price
The share trades about 16% below its 52-week high and 18% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −13%, HBCP screens cheaper than that median.
Fair Value models
All 6 models by family
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Insider trades
In the last 6 months, 3 officers or directors sold shares worth $348,257 and none bought.
- SaleJohn J. Zollinger IVSEVP, Chief Banking Officer4× since Apr 28, 2026: 2,728 shares, avg. $67.20$183,324Aug 18, 2026
- SaleDaniel G GuidryDirector2× since May 11, 2026: 2,000 shares, avg. $64.76$129,510May 21, 2026
- SaleDavid T. KirkleySEVP & Chief Financial Officer875 shares at $62.92$55,053May 13, 2026
- SaleDarren E. GuidrySEVP & Chief Risk Officer1,600 shares at $62.78$100,448Apr 29, 2026
- BuyChris P RaderDirector500 shares at $59.50$29,750Feb 19, 2026
Plus 22 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗
Revenue & earnings trend
HBCP screens overvalued: fair value 13% below the price. Compare with China Merchants Bank Co →
Compare Home Bancorp Inc with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 998 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Price/FCF by industry
- Debt-to-equity by industry
- Piotroski F-Score screener with fair value
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value | Compare |
|---|---|---|---|---|
| Postal Savings Bank of China Co 601658 | ¥5.53 | ¥7.59 | +37% | vs HBCP |
| China Merchants Bank Co 600036 | ¥42.88 | ¥52.73 | +23% | vs HBCP |
| BNP Paribas SA BNP | €91.93 | €106.01 | +15% | vs HBCP |
| Intesa Sanpaolo S.p.A ISP | €6.18 | €4.49 | −27% | vs HBCP |
| State Bank of India SBIN | ₹1,019 | ₹736.65 | −28% | vs HBCP |
| UniCredit S.p.A UCG | €76.80 | €50.44 | −34% | vs HBCP |
| Mizuho Financial Group MFG | $9.40 | $5.90 | −37% | vs HBCP |
| DBS Group D05 | 69.72 SGD | 40.39 SGD | −42% | vs HBCP |
| HDFC Bank Limited HDFCBANK | ₹788.25 | ₹406.39 | −48% | vs HBCP |
| ICICI Bank Limited ICICIBANK | ₹1,571 | ₹615.63 | −61% | vs HBCP |
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Frequently asked questions
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Key figures of Home Bancorp Inc
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