COMP <GO>
PBFS vs HBCP // OPERATING MARGIN
Pioneer Bancorp Inc. (NASDAQ) VS. Home Bancorp Inc. (NASDAQ) • 15-METRIC TALLY: PBFS 1
— HBCP 5
■ METRIC PARITY
LAST: $18.12 (+0.28%) • MKT CAP: $450.1M
operating-margins
—
LAST: $61.37 (-0.11%) • MKT CAP: $483.0M
operating-margins
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (PBFS VS. HBCP)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | PBFS | HBCP | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 6.30% | 10.60% | -4.30 | HBCP | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 2.47% | 9.18% | -6.71 | HBCP | /fcf-yield <GO> |
| Operating Margin ACTIVE | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | 68.00% | — | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | 5.80% | — | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 1.86% | -1.86 | HBCP | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 5/9 | 5/9 | 0.00 | TIE | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 54.1 | 30.7 | +23.40 | PBFS | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 20.6x | 9.8x | +10.80 | HBCP | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $450.1M | $483.0M | -$32.9M | HBCP | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | PBFS REV | HBCP REV | PBFS GROSS % | HBCP GROSS % | PBFS FCF | HBCP FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $15.8M | $0 | — | — | $11.1M | $44.3M |
| FY 2024 | $15.0M | $0 | — | — | $23.0M | $44.7M |
| FY 2023 | $13.0M | $0 | — | — | $26.3M | $41.4M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
PBFS // BETA —
HBCP // BETA —