Home Bancorp
Operates Home Bank across Louisiana, Natchez, and Houston.
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Profile
Runs a community-bank franchise centered on deposits, lending, and fee services through Home Bank, N.A. The footprint is concentrated in southern Louisiana with extensions into Natchez and Houston.
Runs Home Bank, N.A., a nationally chartered community bank that gathers deposits, makes loans, and earns fee income from account services, bank cards, treasury services, and related banking activity.
The franchise is rooted in Lafayette and southern Louisiana, with added exposure in Natchez, Mississippi, and the Houston area. Post-IPO growth has come through branch expansion and six whole-bank acquisitions, including the Texan Bank deal that opened the Houston market.
Commercial real estate and construction lending are important parts of the loan book, so execution depends on local credit quality, deposit funding, and bank regulation. The holding company is regulated by the Federal Reserve, while the bank is regulated by the OCC.
Company facts
Categories
Key statistics
Year to date +21.0% · Average volume (30d) 103.5K
Analysts
Ratings
Target range
Latest analyst notes
| Date | Firm | Action | Prior rating | Rating | Prior target | Target |
|---|---|---|---|---|---|---|
| Jul 22, 2026 | Raymond James | Reiterate | Outperform | $50 | $74 | |
| Apr 22, 2026 | Piper Sandler | Downgrade | Overweight | Neutral | ||
| Oct 21, 2024 | Raymond James | Upgrade | Market Perform | Outperform | $50 |
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Jul 20, 2026Q2 FY26 | $1.46 | $1.48 | +1.4% | $38.6M | $39.7M | +3.0% | +0.63% |
| Apr 20, 2026Q1 FY26 | $1.39 | $1.45 | +4.3% | $37.6M | $38.2M | +1.6% | −1.39% |
| Jan 26, 2026Q4 FY25 | $1.39 | $1.46 | +5.0% | $37.4M | $38.0M | +1.7% | −3.26% |
| Oct 16, 2025Q3 FY25 | $1.37 | $1.18 | −13.9% | $37.2M | $37.8M | +1.7% | −0.14% |
Financial highlights
| 12 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $51.2M | $52.3M | $53.0M | $52.8M | $51.5M | $53.1M | |
| Gross profit | $35.4M | $37.5M | $38.1M | $37.6M | $37.3M | $39.0M | |
| Operating income | $13.8M | $14.2M | $15.5M | $14.5M | $14.4M | $14.6M | |
| Net income | $11.0M | $11.3M | $12.4M | $11.4M | $11.4M | $11.6M | |
| Diluted EPS | $1.37 | $1.45 | $1.59 | $1.46 | $1.45 | $1.48 | |
| Gross margin | 69.1% | 71.7% | 71.9% | 71.3% | 72.5% | 73.3% | |
| Operating margin | 26.9% | 27.1% | 29.3% | 27.5% | 27.9% | 27.4% |
Fiscal years (4-quarter sums)FY21 $123.2M · FY22 $139.8M · FY23 $178.3M · FY24 $199.4M · FY25 $209.3M
Revenue by product · Q2 FY26
Balance sheet, Jun 30, 2026Cash & short-term investments $597.3M · Total debt $54.8M · Total assets $3.60B · Shareholders' equity $453.5M
Dividends
Raised for 10 straight years — most recently to $0.32 from $0.31 in Aug 2026. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Aug 3, 2026 | Aug 3 | Aug 14 | $0.32 | raised from $0.31 |
| May 4, 2026 | May 4 | May 15 | $0.31 | |
| Feb 9, 2026 | Feb 9 | Feb 20 | $0.31 | |
| Nov 3, 2025 | Nov 3 | Nov 14 | $0.31 | raised from $0.29 |
| Aug 4, 2025 | Aug 4 | Aug 15 | $0.29 | raised from $0.27 |
| May 5, 2025 | May 5 | May 16 | $0.27 | |
| Feb 10, 2025 | Feb 10 | Feb 21 | $0.27 | raised from $0.26 |
| Oct 28, 2024 | Oct 28 | Nov 8 | $0.26 | raised from $0.25 |
Ownership
Shares outstanding 7.87M · Float 6.78M · 86.2% free float
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| Home Bancorp, Inc. Employee Stock Ownership Plan | 497.7K | 6.40% | 13G | Feb 13, 2026 |
| BlackRock, Inc. | 490.3K | 6.23% | 13F | Aug 7, 2026 |
| Dimensional Fund Advisors LP | 445.7K | 5.67% | 13F | Aug 11, 2026 |
| State Street Corp | 345.1K | 4.39% | 13F | Aug 7, 2026 |
| Vanguard Capital Management LLC | 296.7K | 3.77% | 13F | Aug 13, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Aug 18, 2026 | John J. IV Zollinger | officer: SEVP, Chief Banking Officer | −750 | $71.68 |
| Jul 24, 2026 | John J. IV Zollinger | officer: SEVP, Chief Banking Officer | −800 | $69.39 |
| May 21, 2026 | Daniel G. Guidry | director | −1,000 | $65.01 |
| May 13, 2026 | David T. Kirkley | officer: SEVP & Chief Financial Officer | −655 | $62.80 |
| May 12, 2026 | David T. Kirkley | officer: SEVP & Chief Financial Officer | −220 | $63.27 |
Peers
- Hancock Whitney
Gulf South regional bank competing for deposits and commercial clients
- Origin Bancorp
Closest multi-state community-bank footprint across LA, TX, and MS
- Business First Bancshares
Louisiana and Texas commercial bank with heavy CRE and C&I overlap
- Red River Bancshares
Louisiana community-bank peer in Lafayette, New Orleans, and Baton Rouge
- Investar
South Louisiana and Texas community bank focused on business lending
- Renasant
Larger Southeast bank with Mississippi and Louisiana commercial overlap
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Home Bancorp | $69.44 | −0.12% | $546.4M | 11.6 | 11.4 | 2.6 | +7.2% |
| Hancock Whitney | $75.07 | −0.03% | $6.09B | 14.7 | 10.8 | 3.1 | +7.8% |
| Origin Bancorp | $53.25 | −0.05% | $1.65B | 16.6 | 12.5 | 2.7 | +27.0% |
| Business First Bancshares | $31.21 | 0.00% | $1.02B | 11.1 | 9.9 | 2.2 | +17.2% |
| Red River Bancshares | $100.77 | −0.04% | $663.5M | 14.5 | 13.5 | 3.8 | +11.8% |
| Investar | $30.29 | −0.03% | $416.5M | 12.7 | 9.8 | 2.2 | +64.5% |
| Renasant | $41.09 | −0.02% | $3.76B | 12.3 | 10.8 | 3.0 | +21.1% |
| Median | 13.6 | 10.8 | 2.9 | +19.2% |