Home Bancorp (HBCP) reported $38.05 million in revenue for the quarter ended December 2025, representing a year-over-year increase of 8%. EPS of $1.46 for the same period compares to $1.21 a year ago.
The reported revenue represents a surprise of +2.27% over the Zacks Consensus Estimate of $37.2 million. With the consensus EPS estimate being $1.39, the EPS surprise was +5.29%.
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:
- Total nonperforming loans: $34.18 million compared to the $29.88 million average estimate based on two analysts.
- Total nonperforming assets: $36.11 million versus $31.21 million estimated by two analysts on average.
- Net Interest Margin: 4.1% compared to the 4.1% average estimate based on two analysts.
- Total Average Interest-Earning Assets: $3.29 billion versus $3.24 billion estimated by two analysts on average.
- Annualized YTD net loan recoveries (charge-offs) to average loans: -0% versus 0.1% estimated by two analysts on average.
- Efficiency Ratio: 60.6% versus 61.3% estimated by two analysts on average.
- Total Noninterest Income: $4 million versus $3.69 million estimated by two analysts on average.
- Net Interest Income: $34.05 million compared to the $33.5 million average estimate based on two analysts.
View all Key Company Metrics for Home Bancorp here>>>
Shares of Home Bancorp have returned +1.6% over the past month versus the Zacks S&P 500 composite's +0.2% 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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