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Home Bancorp HBCP Provision for Credit Losses

Provision for Credit Losses at other companies

Eastern Bankshares, Inc. logo
Eastern Bankshares, Inc.EBC
$5.76M-12.8%
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JPMorgan ChaseJPM
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Stock Yards BancorpSYBT

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:FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal.

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 provision for credit losses?
Home Bancorp (HBCP) reported provision for credit losses of $922K in Q1 2026.
How has Home Bancorp's provision for credit losses changed year-over-year?
Home Bancorp's provision for credit losses increased by 134.0% year-over-year, from $394K to $922K.
What is the long-term trend for Home Bancorp's provision for credit losses?
Over 4 years (2021 to 2025), Home Bancorp's provision for credit losses has grown at a -42.2% compound annual growth rate (CAGR), from -$10.16M to $1.13M.
What does provision for credit losses mean?
This represents the expense recognized by the bank to maintain an adequate allowance for potential credit losses on its loan portfolio. It reflects management's assessment of credit risk and the probability of future loan defaults. A lower provision generally indicates a stable or improving credit quality within the loan book.