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Home Bancorp HBCP Loan modifications made to borrowers experiencing financial difficulty

Loan modifications made to borrowers experiencing financial difficulty at other companies

OceanFirst Financial logo
OceanFirst FinancialOCFC
$20.5M-42.9%
Capital City Bank Group logo
Capital City Bank GroupCCBG
$2M—
Home Bancorp logo
Home BancorpHBCP
$37.12M+663%
Simmons First National logo
Simmons First NationalSFNC
0.3—
Bank7 Corp. logo
Bank7 Corp.BSVN
4-42.9%
Bank7 Corp. logo
Bank7 Corp.BSVN
2+300%

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 / equity0×-0.4×

Where this comes from

Reported directly by Home Bancorp in its filing.

Tagged under the XBRL concept us-gaap:FinancingReceivableExcludingAccruedInterestModifiedAccumulated.

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 loan modifications made to borrowers experiencing financial difficulty?
Home Bancorp (HBCP) reported loan modifications made to borrowers experiencing financial difficulty of $37.12M in Q1 2026.
How has Home Bancorp's loan modifications made to borrowers experiencing financial difficulty changed year-over-year?
Home Bancorp's loan modifications made to borrowers experiencing financial difficulty increased by 662.9% year-over-year, from $4.87M to $37.12M.
What does loan modifications made to borrowers experiencing financial difficulty mean?
This represents the total balance of loans that have been modified for borrowers experiencing financial difficulty, often referred to as troubled debt restructurings. These modifications are intended to maximize recovery by adjusting terms such as interest rates or maturity dates. It is a key indicator of credit portfolio stress and the bank's proactive approach to managing impaired assets.