Home Bancorp Inc (HBCP) — Defensive Interval Ratio
Home Bancorp Inc (HBCP) has a Defensive Interval Ratio of 54 days as of March 2026. Defensive assets of $451.07 Million (cash $-, short-term investments $386.26 Million, receivables $64.81 Million) cover 54 days of daily cash needs of $8.29 Million/day. See working capital position of Home Bancorp Inc to evaluate short-term liquidity relative to the company's equity base.
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 March 2026, the ratio stands at 54 days, meaning defensive assets of $451.07 Million can fund 54 days of operations without new revenue. See Home Bancorp Inc net asset quality index to measure how much of total assets are equity-financed.
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. For live market cap and the full company financial profile, see market value of Home Bancorp Inc.
| 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 | — |