Stock Ratings / Financials / HBCP / financials

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Home Bancorp Inc. (HBCP) Revenue-to-Profit Sankey Flow & SEC XBRL Financials

Q: How profitable is Home Bancorp Inc. (HBCP)?

In FY 2025 (10-K), HBCP converted $4.0B of revenue into a 52% gross margin, 0% operating margin, and $44.3M in free cash flow (1.1% FCF margin).

$61.37 -0.11% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot)

Home Bancorp Inc. (HBCP) carries a Roarable Rating of C+ (Hold) with 66/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C+ • HOLD / WATCH Cap $483.0M

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INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

RQD QUANT TACHOMETERHOLD / WATCH • C+

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C · Rk B

Each axis scored 0–20

12M PRICE TARGET CONE+3.6% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for HBCP)Realized 20D OHLCV Swing Band: ±5.7%

VISUAL REVENUE-TO-PROFIT SANKEY WATERFALL • FY 2025 (10-K)

How HBCP Turns Every Dollar of Sales Into Real Bottom-Line Profit

Free Cash Flow:$44.3M (1.1% FCF Margin)

Multi-Year SEC EDGAR XBRL Revenue, Net Profit & Free Cash Flow Trajectory

■ Revenue■ Net Profit■ Free Cash Flow

FY23

Rev $4.00B

FY24

Rev $4.00B

FY25

Rev $4.00B

Fiscal Year	Revenue	Gross Margin	Op Margin	Net Profit	Free Cash Flow	ROIC %
FY 2025	$4.00B	52%	0%	$46.1M	$44.3M	10.6%
FY 2024	$4.00B	52%	0%	$36.4M	$44.7M	10.6%
FY 2023	$4.00B	52%	0%	$40.2M	$41.4M	10.6%

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring HBCP)

✓Walkthrough of HBCP's RQD Radar, SEC cash-conversion gap & downside invalidation levels
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HBCP // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -1.32%📐 HORIZONTAL RANGE

2026-10-30O $61.83H $62.00L $60.42C $61.37VOL 75.5K

RES: $79.97SUP: $55.88SMA50: $66.66SMA200: $65.06

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

HBCP Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 HBCP Butterfly Map → + Track HBCP →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

-0.2%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on HBCP today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for HBCP. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

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DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (HBCP)

Financials Rank #293 of 1096 ⚔️ AVBC vs HBCP Full Matrix →

1. Head-to-Head Financials Peer Comparison (HBCP vs. AVBC, PBFS, NECB, GCBC)

Industry: Banks (24 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Home Bancorp Inc. (HBCP) ranks #293 by composite RQD confidence (66/100, grade C+) and #712 by equity capitalization ($483.0M). Within this direct 5-issuer industry benchmark cohort, NECB leads on earnings valuation at 9.0x trailing P/E, while NECB leads on capital efficiency and profitability with 12.6% ROIC and — gross margin. NECB currently holds the highest overall quantitative score in the immediate peer group at 72/100 (B) compared with HBCP at 66/100 (C+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
HBCP ACTIVE Home Bancorp Inc.	C+	66/100	10.5x	—	10.6%	-0.11%	$483.0M	Benchmark Subject
AVBC Avidia Bancorp Inc.	D+	56/100	—	—	-0.9%	+1.20%	$470.1M	/avbc-vs-hbcp →
PBFS Pioneer Bancorp Inc.	C-	59/100	22.2x	—	6.3%	+0.28%	$450.1M	/pbfs-vs-hbcp →
NECB NorthEast Community Bancorp Inc.	B	72/100	9.0x	—	12.6%	+1.15%	$398.8M	/necb-vs-hbcp →
GCBC Greene County Bancorp Inc.	D+	58/100	19.6x	—	12.1%	+1.16%	$610.7M	/gcbc-vs-hbcp →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001436425

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Home Bancorp Inc. (HBCP) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $46.1M, operating cash flow of $54.5M, and free cash flow of $44.3M (-0.7% YoY). On the balance sheet, HBCP closed FY2025 with $3.49B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$0	$46.1M	$54.5M	$44.3M	$3.49B	—
FY2024 (FY)	2024-12-31	$0	$36.4M	$48.7M	$44.7M	$3.44B	—
FY2023 (FY)	2023-12-31	$0	$40.2M	$41.4M	$41.4M	—	—

3. HBCP Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is HBCP stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, Home Bancorp Inc. (NASDAQ: HBCP) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 66/100 at a spot price of $61.37 (-0.11% 1D, market cap $483.0M). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 9/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 16/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, HBCP ranks #293 in composite RQD confidence.

How does HBCP compare to AVBC and PBFS in the Financials sector?

Within the Financials sector (Banks), HBCP carries a Roarable C+ (66/100 RQD), trailing P/E of 10.5x, gross margin of —, and ROIC of 10.6%. By comparison, AVBC (Avidia Bancorp Inc.) holds a D+ grade (56/100 RQD, P/E N/A, ROIC -0.9%, cap $470.1M) and PBFS (Pioneer Bancorp Inc.) posts a C- grade (59/100 RQD, P/E 22.2x, ROIC 6.3%, cap $450.1M). Among the 5-stock peer group, NECB leads on earnings multiple (9.0x) while NECB leads on capital efficiency (12.6% ROIC).

What are the biggest fundamental strengths and SEC risk factors for HBCP?

Per HBCP's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001436425), Home Bancorp Inc. generated $0 in revenue, $46.1M in net income, and $44.3M in free cash flow against $3.49B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is HBCP trading relative to its 50-day, 200-day, and 52-week technical levels?

HBCP last traded at $61.37 (-0.11% on volume of 126,950 shares), positioning the stock -7.94% below its 50-day simple moving average ($66.66) and -5.67% below its 200-day simple moving average ($65.06). Across its 52-week range of $52.07 to $74.50, HBCP sits at the 41.5% percentile with a 14-day RSI of 30.7 (OVERSOLD (<32)) and an implied next-earnings move of ±5.7% ($57.87 to $64.87).