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Home Bancorp (HBCP) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 4, 2026 · Home Bancorp (HBCP) Q3 2026 earnings results →
Q3 2026 Revenue up 6% year over year to $40.1M · 25¢ of every $1 of revenue kept as net profit · operating margin 31.8%
Home Bancorp made $40.1M in Q3 2026 (+6% Y/Y): Net interest income $35.9M, Noninterest income $4.2M. Operating margin 31.8%, net earnings $10.1M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 4, 2026.
Drawing the Sankey…
Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $40.1M in Q3 2026, up 6% year over year and up 1% from the previous quarter. Net interest income was the largest line at 90% of revenue. Net interest income added $1.8M year over year (up 5%), 80% of the total change.
Operating profit was $12.8M, a 31.8% margin (down 9.2 points year over year). Operating profit fell $2.8M even though revenue rose $2.3M versus a year earlier, so costs grew faster than sales. Total costs grew 23% against revenue growth of 6%. Net earnings were $10.1M, down 18% year over year. The effective tax rate was 21.0%.
Operating cash flow was $24.3M (up 13% year over year), 240% of net earnings. Non-cash charges added back $1.1M of depreciation and amortization and $1.1M of share-based compensation. Working capital and other items added $12.0M. Capital expenditures of $816K left free cash flow of $23.5M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 4, 2026 | $40.1M | +6% | 31.8% | $10.1M | $24.3M |
Charts
Interactive views
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💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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🔍Earnings qualityinteractive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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About Home Bancorp
General. Home Bancorp, Inc. (the “Company”) is a Louisiana corporation and the holding company for Home Bank, N.A. (the “Bank”). The Bank, which is headquartered in Lafayette, Louisiana and is a wholly-owned subsidiary of the Company, currently conducts business through 43 banking offices in the Acadiana, Baton Rouge, Greater New Orleans and Northshore (of Lake Pontchartrain) regions of south Louisiana, the Natchez region of west Mississippi and the Houston region of Texas. The Company is subject to regulation as a bank holding company by the Board of Governors of the Federal Reserve System (the “FRB” or the “Federal Reserve”). The Bank established HB Investment Fund I, LLC and HB Investment Fund II, LLC, wholly-owned subsidiaries of the Bank to invest in New Markets Tax Credits (“NMTC”) and Federal Tax Credits ("FTC") in our market areas.
In its own words, from its 10-K, filed Mar 6, 2026.
Home Bancorp against its Savings Institutions, Not Federally Chartered peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +6% against the peers' median +8%. Operating margin: 31.8% against the peers' median 36.1%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| HBCP Home Bancorp | Q3 2026 | $40.1M | +6% | 31.8% |
| FLG Flagstar Bank, National Association | Q3 2026 | $530M | +2% | -1.9% |
| BBT Beacon Financial | Q2 2025 | $114M | +5% | 36.5% |
| HFWA Heritage Financial | Q3 2026 | $86.5M | +32% | 25.8% |
| NBBK NB Bancorp | Q3 2026 | $76.5M | +48% | 37.9% |
| TCBX Third Coast Bancshares | Q3 2026 | $65.9M | +21% | 36.1% |
| SMBC Southern Missouri Bancorp | Q1 FY27 | $53.1M | +8% | 44.4% |
| NARA Narragansett Bancorp | Q2 2026 | $35.3M | +6% | 11.2% |
| AVBC Avidia Bancorp | Q3 2026 | $31.2M | +11% | 37.1% |
Source: Home Bancorp 10-Q on SEC EDGAR · CIK 1436425 · Savings Institutions, Not Federally Chartered
Guidance and outlook
13F: who owns HBCP and who is buying
More on HBCP
History
Every quarter: Q3 2026 results