Home Bancorp (HBCP) has wrapped up FY 2025 with fourth quarter revenue of US$37.7 million and basic EPS of US$1.48, backed by trailing twelve month revenue of US$148.7 million and EPS of US$5.93 that sit alongside 22.6% earnings growth over the last year. Over the past few quarters, the company has seen revenue range from US$33.9 million in Q3 2024 to US$38.1 million in Q3 2025. Quarterly EPS has moved from US$1.19 to as high as US$1.60, setting up a year where a 30.5% trailing net profit margin and a 2.12% dividend yield are key parts of how investors read the latest results.

See our full analysis for Home Bancorp.

With the numbers on the table, the next step is to set these results against the widely followed narratives around Home Bancorp, to see where the recent earnings reinforce existing views and where they start to challenge them.

Net margin holds at 30.5%

• The trailing net profit margin sits at 30.5%, compared with 27.8% a year earlier, on trailing net income of US$46.1 million from revenue of US$148.7 million.
• Supporters of a more bullish view often point to this mix of 22.6% earnings growth over the last year and a 30.5% margin, while critics can still question how durable that is over time.
  • On the one hand, earnings of US$46.1 million on US$148.7 million of revenue line up with the idea of a bank that is converting a solid share of revenue into profit.
  • On the other hand, the longer term picture is more muted, with a five year average annual earnings growth rate of 1.1%, so the recent 22.6% figure sits above that track record.

To see how this mix of higher margins and slower long term growth shapes the bigger story around Home Bancorp, many investors look for a more rounded narrative that connects the earnings track record, risks and valuation in one place. 📊 Read the full Home Bancorp Consensus Narrative.

P/E of 10.3x versus peers

• The shares trade at a trailing P/E of 10.3x, compared with a peer average of about 11.6x and a broader US banks average of about 11.8x, based on the data supplied.
• What stands out for investors who lean bullish is that this lower P/E sits alongside the 22.6% earnings growth and 30.5% margin, while more cautious investors might ask why the market is still pricing the stock below those peer multiples.
  • The combination of a 10.3x P/E and a 2.12% dividend yield means the shares are priced below the peer and sector averages while still returning some cash to shareholders.
  • At the same time, the earnings run rate behind that P/E is based on trailing twelve month EPS of US$5.93, so any change in that EPS level over time would directly affect how this valuation compares with peers.

DCF fair value far above price

• The current share price of US$58.50 is presented as being materially below a DCF fair value estimate of US$125.82, implying the market price is about 52.1% under that modelled value.
• Investors who view this gap with a bullish lens tend to link it to the recent 22.6% earnings growth and 30.5% net margin, while more cautious investors may focus on how sensitive any DCF fair value can be to model assumptions.
  • The same data that underpins the valuation gap also shows the 2.12% dividend yield, so the stock is combining an income stream with a price that sits well below that DCF fair value input.
  • Because the DCF figure of US$125.82 is based on cash flow modelling and the P/E of 10.3x reflects trailing earnings, readers may want to weigh how each method lines up with their own approach before drawing conclusions from the spread to the US$58.50 share price.

Next Steps

Don't just look at this quarter; the real story is in the long-term trend. We've done an in-depth analysis on Home Bancorp's growth and its valuation to see if today's price is a bargain. Add the company to your watchlist or portfolio now so you don't miss the next big move.

See What Else Is Out There

Home Bancorp’s recent 22.6% earnings growth sits against a five year average of 1.1%, so the consistency of that performance remains an open question.

If you would rather focus on companies that have built a steadier record of expanding revenue and earnings, check out stable growth stocks screener (2180 results) to quickly zero in on names with more predictable trends.

This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.