Home Bancorp Inc (HBCP) - Net Assets
Based on the latest financial reports, Home Bancorp Inc (HBCP) has net assets worth $435.09 Million USD as of December 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($3.49 Billion) and total liabilities ($3.06 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check financial resilience of Home Bancorp Inc to evaluate the company's liquid asset resilience ratio.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $435.09 Million |
| % of Total Assets | 12.46% |
| Annual Growth Rate | 12.57% |
| 5-Year Change | 23.64% |
| 10-Year Change | 141.93% |
| Growth Volatility | 35.3 |
Home Bancorp Inc - Net Assets Trend (2006–2025)
This chart illustrates how Home Bancorp Inc's net assets have evolved over time, based on quarterly financial data. Also explore Home Bancorp Inc balance sheet assets for the complete picture of this company's asset base.
Annual Net Assets for Home Bancorp Inc (2006–2025)
The table below shows the annual net assets of Home Bancorp Inc from 2006 to 2025. For live valuation and market cap data, see market cap of Home Bancorp Inc.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $435.09 Million | +9.85% |
| 2024-12-31 | $396.09 Million | +7.80% |
| 2023-12-31 | $367.44 Million | +11.36% |
| 2022-12-31 | $329.95 Million | -6.24% |
| 2021-12-31 | $351.90 Million | +9.34% |
| 2020-12-31 | $321.84 Million | +1.74% |
| 2019-12-31 | $316.33 Million | +4.04% |
| 2018-12-31 | $304.04 Million | +9.42% |
| 2017-12-31 | $277.87 Million | +54.51% |
| 2016-12-31 | $179.84 Million | +8.97% |
| 2015-12-31 | $165.05 Million | +7.07% |
| 2014-12-31 | $154.14 Million | +8.62% |
| 2013-12-31 | $141.91 Million | +0.24% |
| 2012-12-31 | $141.57 Million | +5.43% |
| 2011-12-31 | $134.28 Million | +2.09% |
| 2010-12-31 | $131.53 Million | -0.92% |
| 2009-12-31 | $132.75 Million | +4.56% |
| 2008-12-31 | $126.96 Million | +157.10% |
| 2007-12-31 | $49.38 Million | +7.69% |
| 2006-12-31 | $45.86 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Home Bancorp Inc's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 519.0% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $284.83 Million | 65.46% |
| Common Stock | $78.00K | 0.02% |
| Other Comprehensive Income | $-17.80 Million | -4.09% |
| Other Components | $167.98 Million | 38.61% |
| Total Equity | $435.09 Million | 100.00% |
Home Bancorp Inc Competitors by Market Cap
The table below lists competitors of Home Bancorp Inc ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Enterprise Bancorp Inc
NASDAQ:EBTC
|
$495.83 Million |
|
Shinhan Alpha REIT Co Ltd
KO:293940
|
$495.85 Million |
|
Picpay Holdings Netherlands N.V. Class A Common Shares
NASDAQ:PICS
|
$496.06 Million |
|
ValueHD Corp. A
SHE:301318
|
$496.15 Million |
|
ShenZhen GAD Environmental Technology Co. Ltd.
SHE:300854
|
$495.67 Million |
|
Clenergy Xiamen Technology Co Ltd
SHG:603628
|
$495.55 Million |
|
One Liberty Properties Inc
NYSE:OLP
|
$495.46 Million |
|
Shanghai Xujiahui Commercial Co Ltd
SHE:002561
|
$495.23 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Home Bancorp Inc's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 396,088,000 to 435,094,000, a change of 39,006,000 (9.8%).
- Net income of 46,062,000 contributed positively to equity growth.
- Dividend payments of 8,988,000 reduced retained earnings.
- Share repurchases of 14,355,000 reduced equity.
- Other comprehensive income increased equity by 12,183,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $46.06 Million | +10.59% |
| Dividends Paid | $8.99 Million | -2.07% |
| Share Repurchases | $14.36 Million | -3.3% |
| Other Comprehensive Income | $12.18 Million | +2.8% |
| Other Changes | $4.10 Million | +0.94% |
| Total Change | $- | 9.85% |
Book Value vs Market Value Analysis
This analysis compares Home Bancorp Inc's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.14x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 12.31x to 1.14x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2006-12-31 | $5.14 | $63.26 | x |
| 2007-12-31 | $5.54 | $63.26 | x |
| 2008-12-31 | $14.22 | $63.26 | x |
| 2009-12-31 | $16.49 | $63.26 | x |
| 2010-12-31 | $17.39 | $63.26 | x |
| 2011-12-31 | $18.62 | $63.26 | x |
| 2012-12-31 | $19.72 | $63.26 | x |
| 2013-12-31 | $20.62 | $63.26 | x |
| 2014-12-31 | $22.17 | $63.26 | x |
| 2015-12-31 | $23.57 | $63.26 | x |
| 2016-12-31 | $25.31 | $63.26 | x |
| 2017-12-31 | $37.67 | $63.26 | x |
| 2018-12-31 | $32.72 | $63.26 | x |
| 2019-12-31 | $34.59 | $63.26 | x |
| 2020-12-31 | $36.98 | $63.26 | x |
| 2021-12-31 | $41.75 | $63.26 | x |
| 2022-12-31 | $40.27 | $63.26 | x |
| 2023-12-31 | $45.56 | $63.26 | x |
| 2024-12-31 | $49.72 | $63.26 | x |
| 2025-12-31 | $55.46 | $63.26 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Home Bancorp Inc utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 10.59%
- The company shows good efficiency in utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 22.01%
- • Asset Turnover: 0.06x
- • Equity Multiplier: 8.03x
- Recent ROE (10.59%) is above the historical average (7.55%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2006 | 8.77% | 15.93% | 0.06x | 8.73x | $-562.37K |
| 2007 | 6.73% | 11.82% | 0.07x | 8.55x | $-1.62 Million |
| 2008 | 2.14% | 8.86% | 0.06x | 4.16x | $-9.98 Million |
| 2009 | 3.53% | 13.80% | 0.06x | 3.95x | $-8.60 Million |
| 2010 | 3.56% | 12.29% | 0.05x | 5.33x | $-8.46 Million |
| 2011 | 3.81% | 11.40% | 0.05x | 7.18x | $-8.31 Million |
| 2012 | 6.49% | 17.06% | 0.06x | 6.80x | $-4.97 Million |
| 2013 | 5.14% | 14.19% | 0.05x | 6.94x | $-6.90 Million |
| 2014 | 6.40% | 15.80% | 0.05x | 7.92x | $-5.54 Million |
| 2015 | 7.60% | 18.68% | 0.04x | 9.40x | $-3.95 Million |
| 2016 | 8.90% | 20.30% | 0.05x | 8.66x | $-1.98 Million |
| 2017 | 6.05% | 19.94% | 0.04x | 8.02x | $-10.96 Million |
| 2018 | 10.39% | 27.29% | 0.05x | 7.08x | $1.19 Million |
| 2019 | 8.83% | 23.95% | 0.05x | 6.96x | $-3.70 Million |
| 2020 | 7.69% | 20.91% | 0.05x | 8.05x | $-7.42 Million |
| 2021 | 13.82% | 39.47% | 0.04x | 8.35x | $13.43 Million |
| 2022 | 10.33% | 24.37% | 0.04x | 9.78x | $1.08 Million |
| 2023 | 10.95% | 22.57% | 0.05x | 9.04x | $3.50 Million |
| 2024 | 9.20% | 18.27% | 0.06x | 8.69x | $-3.18 Million |
| 2025 | 10.59% | 22.01% | 0.06x | 8.03x | $2.55 Million |
Industry Comparison
This section compares Home Bancorp Inc's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $552,557,300
- Average return on equity (ROE) among peers: 11.02%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Home Bancorp Inc (HBCP) | $435.09 Million | 8.77% | 7.03x | $495.80 Million |
| Ameris Bancorp (ABCB) | $1.46 Billion | 8.31% | 6.86x | $4.95 Billion |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $5.70 Billion |
| ACNB Corporation (ACNB) | $74.01 Million | 9.97% | 11.77x | $483.21 Million |
| Affinity Bancshares Inc (AFBI) | $129.12 Million | 4.21% | 5.71x | $135.98 Million |
| Alerus Financial Corp (ALRS) | $153.31 Million | 13.22% | 8.01x | $647.19 Million |
| Amalgamated Bank (AMAL) | $535.82 Million | 8.62% | 10.16x | $1.14 Billion |
| Amerant Bancorp Inc. (AMTB) | $901.22 Million | 12.53% | 7.48x | $962.39 Million |
| Arrow Financial Corporation (AROW) | $72.29 Million | 17.85% | 12.85x | $601.02 Million |
| Associated Banc-Corp (ASB) | $2.02 Billion | 12.80% | 9.17x | $5.20 Billion |
| AmeriServ Financial Inc (ASRV) | $65.10 Million | 11.83% | 10.90x | $62.60 Million |
About Home Bancorp Inc
Home Bancorp, Inc. operates as the bank holding company for Home Bank, National Association that provides various banking products and services for individuals and businesses in Louisiana, Mississippi, and Texas, the United States. The company offers deposit products, including interest-bearing and noninterest-bearing checking, money market, savings, NOW, and certificates of deposit accounts; cus… Read more