For the quarter ended June 2025, Home Bancorp (HBCP) reported revenue of $37.07 million, up 11.8% over the same period last year. EPS came in at $1.45, compared to $1.02 in the year-ago quarter.
The reported revenue represents a surprise of +3.54% over the Zacks Consensus Estimate of $35.8 million. With the consensus EPS estimate being $1.24, the EPS surprise was +16.94%.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
Here is how Home Bancorp performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
- Efficiency Ratio: 60.5% versus 62.9% estimated by two analysts on average.
- Net Interest Margin: 4% compared to the 4% average estimate based on two analysts.
- Total Average Interest-Earning Assets: $3.26 billion versus $3.26 billion estimated by two analysts on average.
- Total nonperforming loans: $23.35 million versus $18.97 million estimated by two analysts on average.
- Total nonperforming assets: $25.43 million versus $21.4 million estimated by two analysts on average.
- Annualized YTD net loan recoveries (charge-offs) to average loans: -0% compared to the 0.1% average estimate based on two analysts.
- Total Noninterest Income: $3.72 million versus the two-analyst average estimate of $3.76 million.
- Net Interest Income: $33.35 million versus $32.03 million estimated by two analysts on average.
View all Key Company Metrics for Home Bancorp here>>>
Shares of Home Bancorp have returned +13.3% over the past month versus the Zacks S&P 500 composite's +5.4% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.
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Home Bancorp, Inc. (HBCP): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).
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