ScoreComparison
Why is Home Bancorp, Inc. ?
1
High Profitability with a Net Interest Margin of 6.78%
2
Flat results in Dec 25
- GROSS NPA (%)(Q) Highest at 1.25%
- ROCE(HY) Lowest at 1.33%
- CREDIT DEPOSIT RATIO(HY) Lowest at 92.3%
3
With ROA of 0.84%, it has a very attractive valuation with a 1.07 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 29.56%, its profits have risen by 26.4% ; the PEG ratio of the company is 0.3
4
High Institutional Holdings at 52.36%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 5.83% over the previous quarter.
5
Market Beating performance in long term as well as near term
- Along with generating 29.56% returns in the last 1 year, the stock has outperformed S&P 500 in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Home Bancorp, Inc. should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Home Bancorp, Inc. for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
Home Bancorp, Inc.
-100.0%
2.15
29.90%
S&P 500
16.08%
0.62
19.30%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
13.22%
EBIT Growth (5y)
15.58%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
19.42%
Pledged Shares
0
Institutional Holding
52.36%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
10
Industry P/E
Price to Book Value
1.07
EV to EBIT
6.95
EV to EBITDA
6.53
EV to Capital Employed
1.08
EV to Sales
1.95
PEG Ratio
0.33
Dividend Yield
1.61%
ROCE (Latest)
15.57%
ROE (Latest)
10.59%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
Mildly Bullish
Mildly Bearish
OBV
Bullish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend5What is working for the Company
ROCE(HY)
Highest at 1.33%
DIVIDEND PER SHARE(HY)
Highest at USD 0
-6What is not working for the Company
GROSS NPA (%)
(Q
ROCE(HY)
Lowest at 1.33%
CREDIT DEPOSIT RATIO(HY)
Lowest at 92.3%
Here's what is working for Home Bancorp, Inc.
Dividend per share
Highest at USD 0 and Grown
In each year in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
CASA
Highest at 12.7%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
Here's what is not working for Home Bancorp, Inc.
Non Performing Loans (%)
Highest at 1.25% and Grown
In each half year in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
Credit Deposit Ratio
Lowest at 92.3%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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