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Home Bancorp HBCP Individually evaluated for impairment, including unfunded lending commitments, total allowance for credit losses

Individually evaluated for impairment, including unfunded lending commitments, total allowance for credit losses at other companies

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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:FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairmentIncludingUnfundedLendingCommitments.

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 individually evaluated for impairment, including unfunded lending commitments, total allowance for credit losses?
Home Bancorp (HBCP) reported individually evaluated for impairment, including unfunded lending commitments, total allowance for credit losses of $2.22M in Q1 2026.
How has Home Bancorp's individually evaluated for impairment, including unfunded lending commitments, total allowance for credit losses changed year-over-year?
Home Bancorp's individually evaluated for impairment, including unfunded lending commitments, total allowance for credit losses increased by 145.5% year-over-year, from $906K to $2.22M.
What is the long-term trend for Home Bancorp's individually evaluated for impairment, including unfunded lending commitments, total allowance for credit losses?
Over 5 years (2020 to 2025), Home Bancorp's individually evaluated for impairment, including unfunded lending commitments, total allowance for credit losses has grown at a -3.8% compound annual growth rate (CAGR), from $1.54M to $1.27M.
What does individually evaluated for impairment, including unfunded lending commitments, total allowance for credit losses mean?
This represents the specific allowance for credit losses allocated to individual loans that do not share common risk characteristics with the broader portfolio. It captures the expected loss for loans identified as impaired or requiring individual assessment. Monitoring this helps investors understand the bank's exposure to significant, non-homogeneous credit risks.