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Companies $HBCP
$61.06 -$0.14 (0.23%) Close
Home Bancorp Inc logo

Home Bancorp Inc

home24bank.com

What Do They Do?

Takes deposits from the public and lends to households and businesses, including through home mortgages, commercial property loans and business loans.

How Do They Make Money?

Earns interest on loans and investment securities, and collects loan-origination, deposit-account and other service fees. Transaction fees are typically paid in the period the transaction occurs.

revenue
SegmentShareRevenue
Service fees and charges
45%
FY2022: 44%
Bank card fees
55%
FY2022: 56%

Who Are Their Customers?

Serves the general public and commercial borrowers with deposits, loans and other banking services through its banking offices and online banking.

Do Revenues Turn Into Profits?

Yes. It kept 24 cents of every revenue dollar as net income in FY2025 and turned 23 cents into free cash flow.

Net income, FY2025
24% of revenue
▲ +26% vs FY2024 ($36.4M, 20%)
Free cash flow, FY2025
23% of revenue
▼ −1% vs FY2024 ($44.7M, 24%)

How Are They Changing?

Since the FY2025 annual report
Latest quarter: Q2 FY2026, the three months to Jun 30, 2026
Revenue
▲ +1%
vs $48.6M in Q2 FY2025
Net income
▲ +3%
vs $11.3M in Q2 FY2025
Bank card fees share of fees and charges vs 56.5% in Q2 FY2025

Growing. Revenue grew 81% in 4 years, from $106.9M in FY2021 to $193.8M in FY2025, about 16% a year.

Revenue over time
Service fees and charges Bank card fees
$20M$10M$0

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