ScoreComparison
Why is Home Bancorp, Inc. ?
1
High Profitability with a Net Interest Margin of 6.73%
2
Positive results in Jun 25
- NII(Q) Highest at USD 33.35 MM
- OPERATING PROFIT(Q) Highest at USD 14.17 MM
- PRE-TAX PROFIT(Q) Highest at USD 14.17 MM
3
With ROA of 0.69%, it has a fair valuation with a 0.98 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 9.25%, its profits have risen by 0.2% ; the PEG ratio of the company is 9.7
4
High Institutional Holdings at 46.9%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
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.
14.18%
1.72
30.75%
S&P 500
13.22%
0.61
20.17%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
13.40%
EBIT Growth (5y)
22.11%
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
22.20%
Pledged Shares
0
Institutional Holding
46.90%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
10
Industry P/E
Price to Book Value
0.98
EV to EBIT
11.79
EV to EBITDA
10.62
EV to Capital Employed
0.99
EV to Sales
2.68
PEG Ratio
9.66
Dividend Yield
1.06%
ROCE (Latest)
8.37%
ROE (Latest)
9.48%
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
No Trend
OBV
Mildly Bearish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend12What is working for the Company
NII(Q)
Highest at USD 33.35 MM
OPERATING PROFIT(Q)
Highest at USD 14.17 MM
PRE-TAX PROFIT(Q)
Highest at USD 14.17 MM
NET PROFIT(Q)
Highest at USD 11.33 MM
DIVIDEND PER SHARE(HY)
Highest at USD 0
NET SALES(Q)
Highest at USD 48.63 MM
EPS(Q)
Highest at USD 1.46
-6What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD 45.46 MM
GROSS NPA (%)
(Q
CREDIT DEPOSIT RATIO(HY)
Lowest at 95.06%
Here's what is working for Home Bancorp, Inc.
NII
Highest at USD 33.35 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Operating Profit
Highest at USD 14.17 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Operating Profit trend is quite positive
Operating Profit (USD MM)
Pre-Tax Profit
Highest at USD 14.17 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 11.33 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Net Profit trend is very positive
Net Profit (USD MM)
Net Sales
Highest at USD 48.63 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
EPS
Highest at USD 1.46
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Dividend per share
Highest at USD 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
CASA
Highest at 11.99%
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.
Operating Cash Flow
Lowest at USD 45.46 MM and Fallen
In each year in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
Non Performing Loans (%)
Highest at 0.84%
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 95.06%
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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