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Home Bancorp HBCP (Reversal) provision for unfunded commitments

(Reversal) provision for unfunded commitments at other companies

FB Financial logo
FB FinancialFBK
-$798K-307%
Renasant logo
RenasantRNST
$3.72M+854%
FB Financial logo
FB FinancialFBK
-$798K-307%
ACNB logo
ACNBACNB
-$13K+97.3%
ACNB logo
ACNBACNB
-$89K-102%
The Bancorp logo
The BancorpTBBK
-$106K+4.5%

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 hbcp:FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversalUnfundedCommitments.

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 (reversal) provision for unfunded commitments?
Home Bancorp (HBCP) reported (reversal) provision for unfunded commitments of -$268.75K in Q4 2025.
How has Home Bancorp's (reversal) provision for unfunded commitments changed year-over-year?
Home Bancorp's (reversal) provision for unfunded commitments decreased by 1114.2% year-over-year, from $26.5K to -$268.75K.
What is the long-term trend for Home Bancorp's (reversal) provision for unfunded commitments?
Over 2 years (2023 to 2025), Home Bancorp's (reversal) provision for unfunded commitments has grown at a 46.5% compound annual growth rate (CAGR), from $501K to -$1.08M.
What does (reversal) provision for unfunded commitments mean?
This reflects adjustments to the allowance for credit losses specifically related to off-balance sheet credit exposures, such as unused lines of credit or unfunded loan commitments. It captures the change in estimated liability for potential future funding obligations that may not be fully utilized. Fluctuations here indicate changes in the bank's risk exposure to undrawn credit facilities.