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Home Bancorp HBCP Discount on purchased loans

Discount on purchased loans at other companies

WaFd, Inc. logo
WaFd, Inc.WAFD
$42.27M-12.0%
Heritage Financial logo
Heritage FinancialHFWA
$402K-21.3%
Banner Corporation logo
Banner CorporationBANR
$628K+65.7%
Provident Financial Services logo
Provident Financial ServicesPFS
$1.7M+27.2%
GBC
Glacier BancorpGBCI
-$71.23M-128%
Claros Mortgage Trust logo
Claros Mortgage TrustCMTG
$569K

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:DeferredTaxAssetsDiscountOnPurchasedLoans.

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 discount on purchased loans?
Home Bancorp (HBCP) reported discount on purchased loans of $222K in Q4 2025.
How has Home Bancorp's discount on purchased loans changed year-over-year?
Home Bancorp's discount on purchased loans decreased by 53.2% year-over-year, from $474K to $222K.
What is the long-term trend for Home Bancorp's discount on purchased loans?
Over 5 years (2020 to 2025), Home Bancorp's discount on purchased loans has grown at a -28.0% compound annual growth rate (CAGR), from $1.15M to $222K.
What does discount on purchased loans mean?
This represents the unamortized discount associated with loans acquired through business combinations or portfolio purchases, which creates a deferred tax asset. It reflects the difference between the fair value of the loans at acquisition and their unpaid principal balance. Investors monitor this to understand the impact of loan acquisitions on future tax liabilities and earnings.