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Home Bancorp
Home Bancorp (HBCP) investor relations material
Home Bancorp Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary27 Jan, 2026
Executive summary
Q4 2025 net income was $11.4 million ($1.46 per share), with full-year net income reaching $46.1 million ($5.87 per share), up 29% year-over-year in EPS.
Total assets reached $3.5 billion at year-end 2025, with a market cap of $494 million as of January 2026.
Loan production and core deposits grew in Q4, while nonperforming assets rose due to two loan relationships moving to nonaccrual status.
Texas market expansion continues, with 15 commercial bankers, five branches, and plans for a new Houston branch.
Maintained a conservative credit culture and disciplined acquisition strategy, with six acquisitions since 2010 and 43 locations across key Southern markets.
Financial highlights
Net interest income for Q4 2025 was $34.0 million, with a net interest margin of 4.06%.
Q4 net income decreased 8% sequentially but increased 21% year-over-year.
ROA was 1.29% and ROE was 10.5% for Q4 2025.
Total loans at year-end were $2.74 billion, and total deposits were $2.97 billion.
Tangible book value per share was $44.84 at year-end, with an 8.7% CAGR since 2019.
Outlook and guidance
Expect mid-single digit loan growth in 2026 as paydowns slow and the pipeline builds.
Noninterest income projected at $3.8–$4 million per quarter; noninterest expenses expected to rise to $23.3–$23.7 million as new projects and raises take effect.
NIM expected to expand to 4.1–4.15% in 2026, with stability even if rates decline.
Deposit costs anticipated to decrease further in Q1 2026 as rate cuts flow through.
Management remains focused on disciplined growth, capital strength, and conservative credit practices.
Quantify NIM impact from CD repricing
Assess risk of increased nonperforming assets
How to sustain loan yield with growth?
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Next Home Bancorp earnings date
Q1 202621 Apr, 2026
Home Bancorp
Next Home Bancorp earnings date
Q1 202621 Apr, 2026
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Frequently asked questions
Home Bancorp, Inc. operates as the bank holding company for Home Bank, N.A., a nationally chartered bank that provides a wide range of banking products and services. The company's offerings include various deposit products such as interest-bearing and non-interest-bearing checking accounts, money market accounts, savings accounts, NOW accounts, and certificates of deposit. Additionally, Home Bancorp offers a variety of loan products including 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. It also engages in investing in securities, offering credit cards, and providing online banking services. The company is headquartered in Lafayette, Louisiana, and its shares are listed on the Nasdaq.
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