Home Bancorp Inc (HBCP) — Defensive Interval Ratio
Home Bancorp Inc (HBCP) has a Defensive Interval Ratio of 49 days as of June 2026. Defensive assets of $409.11 Million (cash $-, short-term investments $409.11 Million, receivables $-) cover 49 days of daily cash needs of $8.41 Million/day.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
Home Bancorp Inc Defensive Interval Ratio (2006–2025)
This chart shows how Home Bancorp Inc's Defensive Interval Ratio has evolved across 20 annual periods from 2006 to 2025. As of June 2026, the ratio stands at 49 days, meaning defensive assets of $409.11 Million can fund 49 days of operations without new revenue. For the complete balance sheet picture, see Home Bancorp Inc asset portfolio.
Annual Defensive Interval Ratio for Home Bancorp Inc (2006–2025)
The table below presents the year-by-year Defensive Interval Ratio for Home Bancorp Inc from 2006 to 2025, covering 20 annual filings. Each row shows defensive assets, daily cash need, the DIR in days, and the change in days compared to the prior year. See how liquid is Home Bancorp Inc's working capital to evaluate short-term liquidity relative to the company's equity base.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2025 | 10 days | $53.42 Million | $5.39 Million/day | $- | $39.12 Million | ▲ +8 days |
| 2024 | 2 days | $15.92 Million | $7.99 Million/day | $- | $15.92 Million | ▼ 0 days |
| 2023 | 2 days | $16.02 Million | $7.73 Million/day | $- | $16.02 Million | ▼ -70 days |
| 2022 | 73 days | $560.10 Million | $7.72 Million/day | $- | $486.52 Million | ▲ +20 days |
| 2021 | 53 days | $368.39 Million | $7.00 Million/day | $- | $327.63 Million | ▲ +4 days |
| 2020 | 48 days | $295.12 Million | $6.13 Million/day | $- | $254.75 Million | ▼ -11 days |
| 2019 | 59 days | $299.17 Million | $5.04 Million/day | $- | $257.32 Million | ▼ -3 days |
| 2018 | 62 days | $304.00 Million | $4.89 Million/day | $- | $260.13 Million | ▲ +10 days |
| 2017 | 53 days | $270.85 Million | $5.16 Million/day | $- | $234.99 Million | ▼ -9 days |
| 2016 | 62 days | $220.21 Million | $3.56 Million/day | $- | $183.73 Million | ▼ -2 days |
| 2015 | 64 days | $227.09 Million | $3.57 Million/day | $- | $176.76 Million | ▼ -10 days |
| 2014 | 74 days | $212.25 Million | $2.88 Million/day | $- | $174.80 Million | ▼ -3 days |
| 2013 | 77 days | $175.62 Million | $2.28 Million/day | $- | $149.63 Million | ▼ -7 days |
| 2012 | 84 days | $181.15 Million | $2.15 Million/day | $- | $157.26 Million | ▼ -2 days |
| 2011 | 87 days | $187.28 Million | $2.16 Million/day | $- | $155.26 Million | ▼ -73461 days |
| 2010 | 73548 days | $112.01 Billion | $1.52 Million/day | $- | $111.96 Billion | ▼ -30336 days |
| 2009 | 103884 days | $106.76 Billion | $1.03 Million/day | $- | $106.75 Billion | ▼ -6282 days |
| 2008 | 110166 days | $114.24 Billion | $1.04 Million/day | $- | $114.24 Billion | ▲ +110141 days |
| 2007 | 25 days | $24.78 Million | $998.99K/day | $- | $20.41 Million | ▲ +5 days |
| 2006 | 20 days | $18.74 Million | $956.69K/day | $- | $16.88 Million | — |