Monitor for sustained NIM expansion and whether rising credit costs persist in the next quarter; the dividend was maintained at $0.31 per share.
Price Chart
Executive Summary
Home Bancorp reported Q1 2026 earnings of $1.45 diluted EPS, beating consensus of $1.39 by 4.5%, driven by a 10 basis point expansion in net interest margin to 4.16% and strong deposit growth. The company increased its loan loss provision to $922k due to rising nonperforming assets, which rose to 1.12% of total assets.
Key Financial Metrics
Key Facts
- Q1 2026 net income: $11.4 million, or $1.45 diluted EPS
- Beat consensus EPS estimate of $1.39 by 4.5%
- Net interest margin expanded 10 basis points to 4.16%
- Deposits grew $54 million to $3.0 billion
- Nonperforming assets increased to $39.9 million (1.12% of total assets)
- Provision for loan losses increased to $922k from $480k in prior quarter
Financial Impact
EPS beat consensus by 4.5%, NIM expanded 10 basis points
Risk Factors
- Rising nonperforming assets and increased loan loss provision indicate potential credit quality deterioration
- Loan portfolio declined $15.9 million, signaling continued softness in loan demand
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 7 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0001628280-26-026028 |
| Document: investorpresentationq120.htm | 0001628280-26-026028 |
| Document: hbcp-20260420.htm | 0001628280-26-026028 |
| Document: 0001628280-26-026028-index-headers.html | 0001628280-26-026028 |
| Document: 0001628280-26-026028-index.html | 0001628280-26-026028 |
| Document: 0001628280-26-026028.txt | 0001628280-26-026028 |
| 8-K Data (Synthetic) | 0001628280-26-026028 |
Track record builds as more directional reports settle.
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 19, 2026 7d ago | 8-K | $59.47 $59.80 | ▼ −0.55% | ▼ −0.03% | $61.36 (−3.18%) |
Oct 19, 2026 7d ago | Press Release | $59.47 $59.80 | ▲ +0.55% | ▲ +0.03% | $61.36 (+3.18%) |
Oct 19, 2026 7d ago | Press Release | $59.47 $59.80 | ▼ −0.55% | ▼ −0.03% | $61.36 (−3.18%) |
Oct 5, 2026 21d ago | 8-K | $67.21 $66.10 | ▼ −1.65% | ▼ −1.41% | $61.36 (−8.70%) |
Jul 20, 2026 14w ago | Press Release | $68.80 $69.28 | ▲ +0.70% | ▲ +0.81% | $61.36 (−10.81%) |
Jun 26, 2026 17w ago | 8-K | $68.92 $68.52 | ▼ −0.58% | ▼ −1.36% | $61.36 (−10.97%) |
May 22, 2026 22w ago | 8-K | $64.97 $65.36 | ▲ +0.60% | ▲ +0.01% | $61.36 (−5.56%) |
May 11, 2026 24w ago | Insider Cluster | $62.99 $62.47 | ▼ −0.82% | ▼ −1.38% | $61.36 (−2.58%) |
Apr 28, 2026 25w ago | Insider Cluster | $61.88 $61.61 | ▼ −0.43% | ▼ −1.43% | $61.36 (−0.83%) |
Apr 20, 2026 27w ago | 8-K | $62.70 $63.03 | ▲ +0.52% | ▼ −0.49% | $61.36 (−2.14%) |
US Market Status
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