Recent News
On October 23, 2025, Zacks upgraded Home Bancorp to a Rank #2 (Buy), citing an upward revision to earnings estimates; the upgrade followed the company’s scheduled October earnings release and related investor communications in mid‑October 2025.
Technical Analysis
ADX / DI+ / DI-: ADX at 42.08 signals a very strong trend in place. DI+ shows a peak-and-reversal while DI- shows a dip-and-reversal; those directional shifts indicate the most recent momentum inflection favors downside pressure despite trend strength, which increases risk of further corrective action if sellers sustain control.
MACD: MACD sits at 1.56 with a 1.34 signal line and shows a peak-and-reversal pattern; the peak-and-reversal reflects weakening bullish momentum even though the MACD currently remains above its signal line, implying the earlier bullish cross has begun to lose force.
MRO (Momentum/Regression Oscillator): MRO at 36.16 and showing a peak-and-reversal indicates price sits above an internal target and faces likely downward pressure as momentum normalizes from the prior high.
RSI: RSI at 59.29 with a peak-and-reversal points to a reduction in upward momentum from recent levels; the indicator remains below classic overbought thresholds but suggests room for consolidation or pullback.
Price Versus Averages and Bands: Last close at $59.73 sits above the 200‑day average of $51.82 and near the 20‑day average of $59.31; the 12‑day EMA shows an increasing trend. Price remains inside the 1x and 2x Bollinger bands (upper 1x = $61.31, upper 2x = $63.32), indicating volatility contained within the recent trading range. Low 42‑day beta (0.29) and moderate 52‑week beta (0.80) point to limited sensitivity to market swings.
Volume & Volatility: Recent volume slightly trails short‑ and long‑term averages (10‑day avg 27,552; 50‑day avg 24,504; 200‑day avg 34,673), while 42‑day volatility registers low, suggesting moves may be driven by discrete news events rather than broad market turbulence. Collectively, technicals show a strong underlying trend with clear signs of momentum cooling, which favors range maintenance or shallow correction in the near term unless directional indicators reassert bullish strength.
Fundamental Analysis
Earnings & Revenue: Reported diluted EPS of $1.59 beat the estimate of $1.36 by $0.23, an EPS surprise of 16.9%. Total revenue for the period reached $37,844,000. Quarter‑over‑quarter revenue growth declined by 42.75%, and year‑over‑year revenue fell by 24.98%; sequential earnings growth rose 65.35% while year‑over‑year earnings dropped 38.45%—these dynamics reflect quarter timing and margin drivers rather than a uniform top‑line expansion.
Profitability & Returns: Return on equity registers at 2.92% and return on assets at 0.35%. Return on equity sits slightly above the industry peer mean of 2.85%, indicating marginally better capital efficiency relative to peers despite modest absolute returns.
Balance Sheet & Capital: Total assets equal $3,494,074,000 with total equity of $423,044,000. Debt to assets at 1.81% and debt to equity at 14.94% remain below the industry peer mean debt to assets of 5.59% and peer mean debt to equity of 50.98%, reflecting a conservative funding mix and relatively light leverage.
Cash Flow & Liquidity: Cash equals $189,324,000 and operating cash flow reached $21,489,000; free cash flow measured $20,656,000 with a free cash flow yield of 4.90%, above the industry peer mean free cash flow yield of 2.70%, supporting capital returns and balance sheet flexibility. Cash flow margin stands at 34.84% and cash flow to earnings at 106.68%, demonstrating robust cash conversion.
Valuation Multiples: Price/book sits at 0.997, below the industry peer mean book ratio of 1.245 and below the industry peer median of 1.156. Price/earnings at 33.90 lies under the industry peer mean P/E of 43.01. Forward P/E at 47.69 sits slightly below the industry peer mean forward P/E of 50.22. Price/sales at 11.15 trails the industry peer mean of 12.81. Free cash flow yield above peer mean provides a valuation counterpoint to elevated earnings multiples.
Dividends & Share Actions: Quarterly dividend rate of $0.28988 equates to a 0.54% yield with a payout ratio near 18.36% and dividend coverage of 5.45, supporting a sustainable payout profile. Management repurchased a small number of shares during the period and retains repurchase capacity under its plan, while book value per share stands at $54.05.
Valuation Judgment: The current valuation as determined by WMDST registers as under‑valued, supported by conservative leverage, above‑peer free cash flow yield, and a book multiple below the industry peer mean and median. Market consensus price targets cluster around a mean of $67.14 (low $40.84, high $94.53), consistent with a modest upside band relative to current price.
MOST-RECENT QUARTERLY REPORT
| REPORT PERIOD ENDING: | 2025-09-30 |
| REPORT DATE: | 2025-10-20 |
| NEXT REPORT DATE: | 2026-01-19 |
| CASH FLOW | Begin Period Cash Flow | $ 112.6 M |
| Operating Cash Flow | $ 21.5 M | |
| Capital Expenditures | $ -833.00 K | |
| Change In Working Capital | $ 7.6 M | |
| Dividends Paid | $ -2.27 M | |
| Cash Flow Delta | $ 76.7 M | |
| End Period Cash Flow | $ 189.3 M | |
| INCOME STATEMENT | REVENUE | |
| Total Revenue | $ 37.8 M | |
| Forward Revenue | $ 8.5 M | |
| COSTS | ||
| Cost Of Revenue | — | |
| Depreciation | $ 826.0 K | |
| Depreciation and Amortization | $ 826.0 K | |
| Research and Development | — | |
| Total Operating Expenses | — | |
| PROFITABILITY | ||
| Gross Profit | — | |
| EBITDA | — | |
| EBIT | — | |
| Operating Income | — | |
| Interest Income | $ 49.2 M | |
| Interest Expense | $ 15.1 M | |
| Net Interest Income | $ 34.1 M | |
| Income Before Tax | $ 15.5 M | |
| Tax Provision | $ 3.2 M | |
| Tax Rate | 20.5 % | |
| Net Income | $ 12.4 M | |
| Net Income From Continuing Operations | $ 12.4 M | |
| EARNINGS | ||
| EPS Estimate | $ 1.36 | |
| EPS Actual | $ 1.59 | |
| EPS Difference | $ 0.23 | |
| EPS Surprise | 16.912 % | |
| Forward EPS | $ 1.42 | |
| BALANCE SHEET | ASSETS | |
| Total Assets | $ 3.5 B | |
| Intangible Assets | $ 84.2 M | |
| Net Tangible Assets | $ 338.8 M | |
| Total Current Assets | — | |
| Cash and Short-Term Investments | — | |
| Cash | $ 189.3 M | |
| Net Receivables | — | |
| Inventory | — | |
| Long-Term Investments | — | |
| LIABILITIES | ||
| Accounts Payable | — | |
| Short-Term Debt | — | |
| Total Current Liabilities | — | |
| Net Debt | — | |
| Total Debt | $ 63.2 M | |
| Total Liabilities | $ 3.1 B | |
| EQUITY | ||
| Total Equity | $ 423.0 M | |
| Retained Earnings | $ 275.9 M | |
| VALUATION & PER-SHARE METRICS | EQUITY & PER-SHARE METRICS | |
| Book Value Per-Share | $ 54.05 | |
| Shares Outstanding | 7.827 M | |
| Revenue Per-Share | $ 4.83 | |
| VALUATION | Market Capitalization | $ 421.9 M |
| Enterprise Value | $ 485.2 M | |
| Enterprise Multiple | — | |
| Enterprise Multiple QoQ | — | |
| Enterprise Multiple YoY | — | |
| Enterprise Multiple IPRWA | — | |
| EV/R | 12.82 | |
| CAPITAL STRUCTURE | ||
| Asset To Equity | 8.259 | |
| Asset To Liability | 1.138 | |
| Debt To Capital | 0.13 | |
| Debt To Assets | 0.018 | |
| Debt To Assets QoQ | -57.415 % | |
| Debt To Assets YoY | -73.319 % | |
| Debt To Assets IPRWA | high: 0.165 mean: 0.056 median: 0.053 HBCP: 0.018 low: 0.0 |
|
| Debt To Equity | 0.149 | |
| Debt To Equity QoQ | -58.805 % | |
| Debt To Equity YoY | -74.803 % | |
| Debt To Equity IPRWA | high: 1.525 mean: 0.51 median: 0.455 HBCP: 0.149 low: -0.109 |
|
| PRICE-BASED VALUATION | ||
| Price To Book (P/B) | 0.997 | |
| Price To Book QoQ | -1.16 % | |
| Price To Book YoY | 17.016 % | |
| Price To Book IPRWA | high: 2.042 mean: 1.246 median: 1.156 HBCP: 0.997 low: 0.284 |
|
| Price To Earnings (P/E) | 33.902 | |
| Price To Earnings QoQ | -4.381 % | |
| Price To Earnings YoY | -3.727 % | |
| Price To Earnings IPRWA | high: 75.793 mean: 43.014 median: 41.79 HBCP: 33.902 low: 9.669 |
|
| PE/G Ratio | 3.511 | |
| Price To Sales (P/S) | 11.149 | |
| Price To Sales QoQ | 0.179 % | |
| Price To Sales YoY | 13.283 % | |
| Price To Sales IPRWA | high: 24.051 mean: 12.813 median: 12.491 HBCP: 11.149 low: 0.117 |
|
| FORWARD MULTIPLES | ||
| Forward P/E | 47.689 | |
| Forward PE/G | 4.939 | |
| Forward P/S | 62.031 | |
| EFFICIENCY | OPERATIONAL | |
| Operating Leverage | — | |
| ASSET & SALES | ||
| Asset Turnover Ratio | 0.011 | |
| Asset Turnover Ratio QoQ | 1.881 % | |
| Asset Turnover Ratio YoY | 8.954 % | |
| Asset Turnover Ratio IPRWA | high: 0.016 HBCP: 0.011 mean: 0.01 median: 0.01 low: 0.005 |
|
| Receivables Turnover | — | |
| Receivables Turnover Ratio QoQ | — | |
| Receivables Turnover Ratio YoY | — | |
| Receivables Turnover Ratio IPRWA | — | |
| Inventory Turnover | — | |
| Inventory Turnover Ratio QoQ | — | |
| Inventory Turnover Ratio YoY | — | |
| Inventory Turnover Ratio IPRWA | — | |
| Days Sales Outstanding (DSO) | — | |
| CASH CYCLE | ||
| Cash Conversion Cycle Days (CCC) | — | |
| Cash Conversion Cycle Days QoQ | — | |
| Cash Conversion Cycle Days YoY | — | |
| Cash Conversion Cycle Days IPRWA | high: 84.471 mean: 35.522 median: 34.679 HBCP: 0 low: -17.91 |
|
| CAPITAL DEPLOYMENT | ||
| Cash Conversion Ratio | — | |
| CapEx To Revenue | -0.022 | |
| CapEx To Depreciation | -1.008 | |
| CAPITAL, LIQUIDITY & COVERAGE | CAPITAL STRUCTURE | |
| Total Capital | $ 486.3 M | |
| Net Invested Capital | $ 486.3 M | |
| Invested Capital | $ 486.3 M | |
| Net Tangible Assets | $ 338.8 M | |
| Net Working Capital | — | |
| LIQUIDITY | ||
| Cash Ratio | — | |
| Current Ratio | — | |
| Current Ratio QoQ | — | |
| Current Ratio YoY | — | |
| Current Ratio IPRWA | — | |
| Quick Ratio | — | |
| Quick Ratio QoQ | — | |
| Quick Ratio YoY | — | |
| Quick Ratio IPRWA | — | |
| COVERAGE & LEVERAGE | ||
| Debt To EBITDA | — | |
| Cost Of Debt | 11.364 % | |
| Interest Coverage Ratio | — | |
| Interest Coverage Ratio QoQ | — | |
| Interest Coverage Ratio YoY | — | |
| Interest Coverage Ratio IPRWA | — | |
| Operating Cash Flow Ratio | — | |
| TIMING / LIQUIDITY | ||
| Days Payables Outstanding (DPO) | — | |
| DIVIDENDS | ||
| Dividend Coverage Ratio | 5.446 | |
| Dividend Payout Ratio | 0.184 | |
| Dividend Rate | $ 0.29 | |
| Dividend Yield | 0.005 | |
| PERFORMANCE | GROWTH | |
| Asset Growth Rate | 0.075 % | |
| Revenue Growth | 2.096 % | |
| Revenue Growth QoQ | -42.748 % | |
| Revenue Growth YoY | -24.982 % | |
| Revenue Growth IPRWA | high: 23.369 % mean: 4.949 % median: 4.094 % HBCP: 2.096 % low: -9.66 % |
|
| Earnings Growth | 9.655 % | |
| Earnings Growth QoQ | 65.354 % | |
| Earnings Growth YoY | -38.448 % | |
| Earnings Growth IPRWA | high: 63.889 % HBCP: 9.655 % median: 8.235 % mean: 7.629 % low: -37.5 % |
|
| MARGINS | ||
| Gross Margin | — | |
| Gross Margin QoQ | — | |
| Gross Margin YoY | — | |
| Gross Margin IPRWA | — | |
| EBIT Margin | — | |
| EBIT Margin QoQ | — | |
| EBIT Margin YoY | — | |
| EBIT Margin IPRWA | — | |
| Return On Sales (ROS) | — | |
| Return On Sales QoQ | — | |
| Return On Sales YoY | — | |
| Return On Sales IPRWA | — | |
| CASH FLOW | ||
| Free Cash Flow (FCF) | $ 20.7 M | |
| Free Cash Flow Yield | 4.896 % | |
| Free Cash Flow Yield QoQ | 155.532 % | |
| Free Cash Flow Yield YoY | -3.203 % | |
| Free Cash Flow Yield IPRWA | high: 9.076 % HBCP: 4.896 % mean: 2.696 % median: 2.634 % low: -3.401 % |
|
| Free Cash Growth | 161.369 % | |
| Free Cash Growth QoQ | -1855.537 % | |
| Free Cash Growth YoY | 496.294 % | |
| Free Cash Growth IPRWA | high: 435.53 % HBCP: 161.369 % mean: 17.486 % median: 4.44 % low: -394.679 % |
|
| Free Cash To Net Income | 1.672 | |
| Cash Flow Margin | 34.835 % | |
| Cash Flow To Earnings | 1.067 | |
| VALUE & RETURNS | ||
| Economic Value Added | $ 0.05 | |
| Return On Assets (ROA) | 0.354 % | |
| Return On Assets QoQ | 8.923 % | |
| Return On Assets YoY | 28.727 % | |
| Return On Assets IPRWA | high: 0.657 % HBCP: 0.354 % mean: 0.305 % median: 0.301 % low: 0.027 % |
|
| Return On Capital Employed (ROCE) | — | |
| Return On Equity (ROE) | 0.029 | |
| Return On Equity QoQ | 5.413 % | |
| Return On Equity YoY | 21.759 % | |
| Return On Equity IPRWA | high: 0.052 median: 0.03 HBCP: 0.029 mean: 0.029 low: 0.002 |
|
| DuPont ROE | 2.97 % | |
| Return On Invested Capital (ROIC) | — | |
| Return On Invested Capital QoQ | — | |
| Return On Invested Capital YoY | — | |
| Return On Invested Capital IPRWA | — | |