Stock Ratings / Financials / HBCP / options

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Home Bancorp Inc. (HBCP) Options Positioning, Max Pain & Unusual Sweeps

Q: 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.

Q: 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).

Q: 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.

Q: 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).

Q: What is HBCP's options positioning and volatility profile?

Roarable tracks verified CBOE unusual options sweeps, put/call ratios, and OHLCV realized volatility bands for HBCP.

$61.37 -0.11% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $61.24

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.

📊 Historical Track Record: Scores of 66/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.4% avg 90D alpha vs SPY) →

ROARABLE C+ • HOLD / WATCH Cap $483.0M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $61.24 (-0.21%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 12/20 (C-) • 1.1% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 66/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.4% avg 90D alpha vs SPY • 56.0% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

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%

Deterministic 5-Pillar Attribution (66/100 Composite)

🔍 WHY HBCP SCORES 66/100 (C+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Macro Regime Fit+16/20 pts (24% of score)

FRED Regime × Technicals: 41% of 52W Range • RSI-14 at 30.7 (OVERSOLD (<32))

▲ #2 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (24% of score)

SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)

▼ #1 Drag / Risk Factor: Whale & Options Positioning9/20 pts (-11 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-11 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade B+$65.67+0.4% Next Q

Q2 (-2Q)

Grade B$65.90-6.8% Next Q

Q3 (-1Q)

Grade B-$61.44-0.1% Next Q

Current

Grade C+$61.37+1.4% Hist 90D α

Trajectory: B+ (74) → C+ (66)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the HBCP Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 66/100 (C+) score, HBCP faces multiple-compression risk if 10.5x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($66.66) or 200D SMA ($65.06) invalidates the momentum regime and cuts Target Base ($63.58) toward Bear Floor ($49.59).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $HBCP• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “HBCP Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 66%NO 34%Trade / Inspect Odds →

CALL VS. PUT WHALE SHARE

— (No Active Options Snapshot)

Put/Call Ratio: — (No Active Options Snapshot)

MAX-PAIN EXPIRATION MAGNET

— (No Active Options Snapshot)

No active options chain max-pain snapshot on file

HISTORICAL 20D VOLATILITY SWING

±5.7%

Derived from 20D OHLCV bars (No Active Options Snapshot)

Active Strike Call vs. Put Concentration Ladder (HBCP)

— (No Active Options Snapshot) — No unusual CBOE strike concentration anomalies recorded in the current database snapshot for HBCP.

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ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Options & Swing Structure Desk

Whale Flow & Momentum Playbook: Evaluating HBCP & AI Leaders Without Chasing Tops

✓Institutional whale strikes & implied earnings move audit on HBCP
✓How disciplined traders manage risk using pre-published trigger & invalidation levels
✓Includes nightly RQD rating-change & forensic signal email alerts on tracked leaders

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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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

🎬 No recent verified company-specific video clip queued for HBCP today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

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).

HBCP Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

What is HBCP's options positioning and volatility profile?

Roarable tracks verified CBOE unusual options sweeps, put/call ratios, and OHLCV realized volatility bands for HBCP.

Direct Sub-Reports: HBCP RQD Cockpit HBCP 12M Forecast HBCP Earnings & Move HBCP Dividends & DRIP HBCP Insiders & 13F HBCP Whale Options HBCP Profit Sankey HBCP News & Why