Home Bancorp, Inc. (HBCP)

Home Bancorp, Inc.'s stock has been influenced by the announcement of increased net income and a 7% increase in its quarterly dividend, marking the 11th consecutive year of dividend raises, and an upgrade to a "Buy" rating by analysts. Despite strong deposit growth, the company revised its loan growth outlook for 2025 downward due to a slowdown in loan production and higher-than-average payoffs, while nonperforming loans increased but charge-offs remained low. The stock has outperformed the S&P 500 since June, with a 13% return compared to the index's 8.2%.

While specific seasonality data is not publicly available, the third quarter of 2025 saw a slowdown in loan production and higher-than-usual loan paydowns for Home Bancorp, Inc., leading to a reduction in its loan portfolio across most markets, and residential mortgages can experience growth in certain quarters due to factors like construction drawdowns and seasonal patterns, suggesting fluctuations in loan and deposit activities throughout the year.

Home Bancorp, Inc. is a financial holding company operating as the parent of Home Bank, N.A., offering a suite of banking products and services including deposit accounts, various loans, securities investments, credit cards, and online banking.

Home Bancorp, Inc. primarily serves communities across Louisiana, Mississippi, and Texas, with its headquarters in Lafayette, Louisiana, and expanding its presence in Texas with commercial banking offices in Houston.

Home Bancorp, Inc. maintains a reputation as a trusted financial partner, successfully navigating challenges since early 2020, including periods of high inflation and rising interest rates, with customers demonstrating resilience and many commercial customers expanding their businesses during this high-rate environment. No specific events negatively impacting the company's brand reputation in the past year were identified.

The ownership structure of Home Bancorp, Inc. is distributed among institutional investors (13.15% to 49.41%), insiders (3.59% to 18.20%), and public companies and individual investors (about 12.78%), with notable direct holders including John A. Hendry, John W. Bordelon (President and CEO), and Paul J. Blanchet III.