Home Bancorp (HBCP) Q4 2025 earnings summary

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.