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Home Bancorp HBCP Reserve for ESOP Debt Retirement

Reserve for ESOP Debt Retirement at other companies

Eastern Bankshares, Inc. logo
Eastern Bankshares, Inc.EBC
$121.53M-4.0%

Other financials

Income statement

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Revenue$38.2M+6.9%
Net income$11.4M+3.6%
EPS (diluted)$1.45+5.8%

Balance sheet

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Cash & equivalents$223.5M+102%
Total debt$9.6M-93.5%
Total equity$444.4M+10.3%
Total assets$3.6B+2.0%

Cash flow

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Operating cash flow$16.8M+33.7%
CapEx$2.4M-39.2%
Free cash flow$14.5M+66.2%

Valuation

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Market cap$530.08M+37.3%
P/E11.4×+1.3×
P/S3.5×+0.7×

Profitability

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Net margin30.7%+3.1pp
FCF margin33.1%+1.1pp

Returns & leverage

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Return on equity11%+1.1pp
Debt / equity-0.4×

Where this comes from

Reported directly by Home Bancorp in its filing.

Tagged under the XBRL concept us-gaap:UnearnedESOPShares.

The official record: Home Bancorp’s 10-K, filed March 6, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Home Bancorp's reserve for ESOP debt retirement?
Home Bancorp (HBCP) reported reserve for ESOP debt retirement of $5.68M in Q4 2025.
How has Home Bancorp's reserve for ESOP debt retirement changed year-over-year?
Home Bancorp's reserve for ESOP debt retirement decreased by 8.3% year-over-year, from $6.19M to $5.68M.
What is the long-term trend for Home Bancorp's reserve for ESOP debt retirement?
Over 5 years (2020 to 2025), Home Bancorp's reserve for ESOP debt retirement has grown at a -6.0% compound annual growth rate (CAGR), from $7.75M to $5.68M.
What does reserve for ESOP debt retirement mean?
This reserve represents the portion of equity or contra-equity designated for the repayment of debt incurred by the Employee Stock Ownership Plan (ESOP). It reflects the financial commitment the company has made to fund employee ownership through debt instruments. Tracking this helps investors understand the impact of ESOP-related obligations on the company's overall equity structure.