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Home Bancorp cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$23.5M in Q3 2026 · $54.3M over twelve months

Operating cash flow$24.3M
Capital spending−$816K
Free cash flow+$23.5M
Cash / net income2.4×

Analysis

In Q3 2026, Home Bancorp generated $24.3M of operating cash flow and spent $816K on capital projects, leaving free cash flow of $23.5M. That is $2.8M more than in Q3 2025 ($20.7M).

Over the twelve months to Sep 30, 2026, operating cash flow was $64.0M; the largest uses were other investing ($124M), dividends ($9.8M), capital spending ($9.7M); besides operations, cash came from other financing ($69.4M), shares issued ($247K); the cash balance fell by $10.3M.

Operating cash flow was $24.3M against net income of $10.1M — 2.4× profit, cash ran ahead of reported earnings. The largest differences: accrued liabilities +$8.9M, depreciation & amortization +$1.1M, stock-based pay +$1.1M.

Free cash flow

Home Bancorp: free cash flow by quarterHome Bancorp: free cash flow by quarter$5.3MQ4 2024$8.7MQ1 2025$7.9MQ2 2025$20.7MQ3 2025$7.1MQ4 2025$14.5MQ1 2026$9.3MQ2 2026$23.5MQ3 2026
Operating cash flow less capital spending.
Home Bancorp: operating cash flow against capital spendingHome Bancorp: operating cash flow against capital spendingOperating cash flowCapital spending$5.8M$546KQ4 2024$12.6M$3.9MQ1 2025$8.7M$846KQ2 2025$21.5M$833KQ3 2025$11.7M$4.6MQ4 2025$16.8M$2.4MQ1 2026$11.2M$1.9MQ2 2026$24.3M$816KQ3 2026
Latest (Q3 2026): Operating cash flow $24.3M, Capital spending $816K.

Capital allocation, year by year

Home Bancorp: where the cash came from (up) and went (down), by fiscal yearHome Bancorp: where the cash came from (up) and went (down), by fiscal yearOperating cash flowShares issuedAsset salesCapital spendingAcquisitionsBuybacksDividendsFY2021: Operating cash flow $55.7MFY2021: Shares issued $383KFY2021: Asset sales $414KFY2021: Capital spending −$2.5MFY2021: Buybacks −$8.9MFY2021: Dividends −$7.9M$56.5MFY2021FY2022: Operating cash flow $51.2MFY2022: Shares issued $699KFY2022: Asset sales $82KFY2022: Capital spending −$2.7MFY2022: Acquisitions −$16.1MFY2022: Buybacks −$11.3MFY2022: Dividends −$7.8M$52.0MFY2022FY2023: Operating cash flow $41.4MFY2023: Shares issued $431KFY2023: Asset sales $4KFY2023: Capital spending −$2.0MFY2023: Buybacks −$5.3MFY2023: Dividends −$8.2M$41.8MFY2023FY2024: Operating cash flow $48.7MFY2024: Shares issued $1.0MFY2024: Asset sales $248KFY2024: Capital spending −$4.1MFY2024: Buybacks −$4.8MFY2024: Dividends −$8.2M$50.0MFY2024FY2025: Operating cash flow $54.5MFY2025: Shares issued $727KFY2025: Asset sales $187KFY2025: Capital spending −$10.2MFY2025: Buybacks −$14.4MFY2025: Dividends −$9.0M$55.4MFY2025
Over these 5 years operating cash flow totalled $252M; the largest uses were buybacks ($44.6M) and dividends ($41.0M). Cash-flow statements as filed.

Where the cash came from and went

Home Bancorp: sources (+) and uses (−) of cash, Q3 2026Home Bancorp: sources (+) and uses (−) of cash, Q3 2026Operating cash flow$24.3MOther financing−$15.4MOther investing−$14.8MCash drawn (+) / kept (−)$9.2MDividends−$2.5MCapital spending−$816KShares issued$77KBuybacks−$25K
Home Bancorp: sources (+) and uses (−) of cash, TTM to Q3 2026Home Bancorp: sources (+) and uses (−) of cash, TTM to Q3 2026Other investing−$124MOther financing$69.4MOperating cash flow$64.0MCash drawn (+) / kept (−)$10.3MDividends−$9.8MCapital spending−$9.7MBuybacks−$498KShares issued$247K

From profit to cash

Home Bancorp: net income to operating cash flow, Q3 2026Home Bancorp: net income to operating cash flow, Q3 2026Net income$10.1MDepreciation & amortization$1.1MStock-based pay$1.1MDeferred taxes−$395KAccrued liabilities$8.9MOperating cash flow$24.3M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingBuybacksDividendsShares issuedCash drawn (+) / kept (−)Free cash flow
Q3 2026$24.3M−$816K−$25K−$2.5M$77K$9.2M$23.5M
Q2 2026$11.2M−$1.9M−$182K−$2.4M−$126K$35.3M$9.3M
Q1 2026$16.8M−$2.4M−$249K−$2.4M$215K−$81.9M$14.5M
Q4 2025$11.7M−$4.6M−$42K−$2.4M$81K$47.7M$7.1M
Q3 2025$21.5M−$833K$5K−$2.3M$633K−$76.7M$20.7M
Q2 2025$8.7M−$846K−$6.5M−$2.1M−$142K−$1.9M$7.9M
Q1 2025$12.6M−$3.9M−$7.8M−$2.2M$155K−$12.1M$8.7M
Q4 2024$5.8M−$546K−$88K−$2.1M$112K$37.3M$5.3M

Home Bancorp: income statement and cash flow

Home Bancorp, Q3 2026: revenue $40.1M (+6% year over year), operating margin 31.8%. The chart follows the revenue to costs, profit and cash.

Home Bancorp: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.