Filing Flows › Home Bancorp (HBCP) › Q3 2026
Home Bancorp (HBCP) Q3 2026 earnings results (third quarter 2026)
10-Q filed Nov 4, 2026
Home Bancorp (HBCP) reported revenue of $40.1M for the third quarter 2026 (Q3 2026), +6% from a year earlier and +1% from the quarter before. Operating margin was 31.8%, net earnings $10.1M (25.2% of revenue).
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 follows the revenue to costs, profit and cash.
| Q3 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $40.1M | +1% | +6% |
| Operating profit | $12.8M | -11% | -18% |
| Net earnings | $10.1M | -13% | -18% |
| Operating cash flow | $24.3M | +116% | +13% |
| Free cash flow | $23.5M | +153% | +14% |
What changed
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.
Questions
What was Home Bancorp's revenue in the third quarter 2026?
Home Bancorp (HBCP) reported revenue of $40.1M for the third quarter 2026 (Q3 2026), +6% from a year earlier and +1% from the quarter before.
Was Home Bancorp profitable in the third quarter 2026?
Operating profit was $12.8M (31.8% of revenue) and net earnings $10.1M.
Source: Home Bancorp 10-Q on SEC EDGAR.