Home Bancorp, Inc.
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from Home Bancorp, Inc.'s yearly results (2022–2025), compared with Financial Services companies in United States. Tap ? on any ratio for what it means.
What stands out
- Growth Efficiency Ratio: Sales grew 13% in 3 years; of every extra $100 of sales, $71 became extra profit. Higher than 87% of Financial Services companies in United States.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
2/3 · 2/3Sales grew in 2 of the last 3 years; profit grew in 2 of 3.
Steadier than 53% of Financial Services companies in United States.
Growth Efficiency Ratio
$71Sales grew 13% in 3 years; of every extra $100 of sales, $71 became extra profit.
Higher than 87% of Financial Services companies in United States.
Asset Productivity Ratio
+13% / +8%In 3 years sales changed by +13% while total assets changed by +8%. Both moved at about the same pace.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
98%Of every $100 the company owns, $98 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
Less tangible than 54% of Financial Services companies in United States.
Tangible Net Worth Ratio
81%Of every $100 of net worth, $81 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
Less tangible than 55% of Financial Services companies in United States.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
Home Bancorp, Inc. owes $0.87 for every $1 it owns. Net profit rose 26% in the year to Dec 2025, and grew 11% a year on average over 3 years.
Compared with Financial Services companies in United States · latest annual results Dec 2025.
P/E ratio
10.8Investors pay $10.8 for every $1 of Home Bancorp, Inc.'s yearly profit, lower than 71% of Financial Services companies in United States.
P/B ratio
1.07The share price is 1.07 times Home Bancorp, Inc.'s book value per share, lower than 67% of Financial Services companies in United States.
Market cap
$483 MThe total market value of all of Home Bancorp, Inc.'s shares at today's price (share price × number of shares), smaller than 59% of Financial Services companies in United States. PosiCap size class: Mini Cap.
Net worth (book value)
$453 MWhat Home Bancorp, Inc. would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
$57.61Net worth divided by the number of shares. The share price of $61.42 is 1.1 times this, which is the P/B above.
Return on equity (ROE)
10.2%Home Bancorp, Inc. earned 10.2% on its shareholders' money over the last year, lower than 53% of Financial Services companies in United States.
Owes vs Owns
0.87×Home Bancorp, Inc. owes $0.87 for every $1 it owns (high), higher than 62% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Dividend yield
2.09%Home Bancorp, Inc. pays 2.09% of its share price as dividends a year, lower than 68% of dividend-paying Financial Services companies in United States.
Revenue growth
+10%Revenue rose 10% in the year to Dec 2025, and grew 4% a year on average over 3 years.
Profit growth
+26%Net profit rose 26% in the year to Dec 2025, and grew 11% a year on average over 3 years.
Profit margin
31.0%Home Bancorp, Inc. keeps $31 of every $100 of revenue as net profit.
Questions
What is Home Bancorp, Inc.'s P/E ratio?
Investors pay $10.8 for every $1 of Home Bancorp, Inc.'s yearly profit, lower than 71% of Financial Services companies in United States.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For Home Bancorp, Inc.: $483 M ÷ $453 M (30 Jun 2026) = 1.1.
What is Home Bancorp, Inc.'s return on equity?
Home Bancorp, Inc. earned 10.2% on its shareholders' money over the last year, lower than 53% of Financial Services companies in United States.
How much does Home Bancorp, Inc. owe compared with what it owns?
Home Bancorp, Inc. owes $0.87 for every $1 it owns (high), higher than 62% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Does Home Bancorp, Inc. pay a dividend?
Yes. Home Bancorp, Inc. pays 2.09% of its share price as dividends a year, lower than 68% of dividend-paying Financial Services companies in United States.
Is Home Bancorp, Inc.'s revenue growing?
Revenue rose 10% in the year to Dec 2025, and grew 4% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.