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Home Bancorp HBCP Financing Receivable, Allowance for Credit Loss, Including Lending Commitments

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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:FinancingReceivableAllowanceForCreditLossIncludingLendingCommitments.

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

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Questions, answered.

What is Home Bancorp's financing receivable, allowance for credit loss, including lending commitments?
Home Bancorp (HBCP) reported financing receivable, allowance for credit loss, including lending commitments of $35.31M in Q1 2026.
What is the long-term trend for Home Bancorp's financing receivable, allowance for credit loss, including lending commitments?
Over 5 years (2020 to 2025), Home Bancorp's financing receivable, allowance for credit loss, including lending commitments has grown at a 0.2% compound annual growth rate (CAGR), from $34.39M to $34.77M.
What does financing receivable, allowance for credit loss, including lending commitments mean?
This is the total reserve established to cover expected credit losses across the entire financing receivable portfolio, including both funded loans and unfunded lending commitments. It serves as a primary indicator of the bank's overall credit risk management and the adequacy of its capital buffers against potential defaults. A robust allowance reflects a conservative approach to credit quality and regulatory compliance.