Filing Flows › Home Bancorp (HBCP) › Q3 2026 › vs Q3 2025
Home Bancorp (HBCP) Q3 2026 vs Q3 2025 (year over year)
Home Bancorp's revenue rose $2.3M (+6%) from $37.8M in Q3 2025 to $40.1M in Q3 2026. The biggest changes: Net interest income +$1.8M (+5%); Noninterest income +$463K (+12%). Operating margin 31.8% against 41.1% (-9.2 pts).
Home Bancorp, Q3 2026: revenue $40.1M (+6% year over year), operating margin 31.8%, net earnings $10.1M, operating cash flow $24.3M. The chart draws each line against Q3 2025, the increases inside each band.
Margins
| Q3 2026 | Q3 2025 | Change | |
|---|---|---|---|
| Operating margin | 31.8% | 41.1% | -9.2 pts |
| Net margin | 25.2% | 32.7% | -7.5 pts |
| Free cash flow margin | 58.5% | 54.6% | +3.9 pts |
Every line
| Line | Q3 2026 | Q3 2025 | Change | % |
|---|---|---|---|---|
| Net interest income | $35.9M | $34.1M | $1.8M | +5% |
| Noninterest income | $4.2M | $3.7M | $463K | +12% |
| Revenue | $40.1M | $37.8M | $2.3M | +6% |
| Operating profit | $12.8M | $15.5M | −$2.8M | -18% |
| Costs & expenses | $27.3M | $22.3M | $5.0M | +23% |
| Pre-tax earnings | $12.8M | $15.5M | −$2.8M | -18% |
| Noninterest expense | $26.3M | $22.5M | $3.8M | +17% |
| Net earnings | $10.1M | $12.4M | −$2.3M | -18% |
| Income tax | $2.7M | $3.2M | −$508K | -16% |
| Depreciation & amortization | $1.1M | $1.1M | $2K | +0.2% |
| Share-based compensation | $1.1M | $898K | $196K | +22% |
| Working capital & other | $12.0M | $7.1M | $4.8M | +68% |
| Operating cash flow | $24.3M | $21.5M | $2.8M | +13% |
| Free cash flow (OCF − capex) | $23.5M | $20.7M | $2.8M | +14% |
| Capital expenditures | $816K | $833K | −$17K | -2% |
Questions
How much did Home Bancorp's revenue grow year over year in Q3 2026?
Home Bancorp's revenue rose $2.3M (+6%) from $37.8M in Q3 2025 to $40.1M in Q3 2026.
What drove Home Bancorp's revenue change in Q3 2026?
Net interest income +$1.8M (+5%); Noninterest income +$463K (+12%).