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Home Bancorp HBCP Capital Conservation Buffer

Capital Conservation Buffer at other companies

OceanFirst Financial logo
OceanFirst FinancialOCFC
$0.110.0%
NEC
Northeast Community BancorpNECB
8%0.0pp
USCB Financial Holdings, Inc. logo
USCB Financial Holdings, Inc.USCB
14%+0.3pp
Norwood Financial logo
Norwood FinancialNWFL
$0.080.0%
NewtekOne, Inc. logo
NewtekOne, Inc.NEWT
$0.080.0%
Banner Corporation logo
Banner CorporationBANR
$0.080.0%

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:CapitalToRiskWeightedAssets.

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 capital conservation buffer?
Home Bancorp (HBCP) reported capital conservation buffer of $0.16 in Q4 2025.
What is the long-term trend for Home Bancorp's capital conservation buffer?
Over 3 years (2022 to 2025), Home Bancorp's capital conservation buffer has grown at a 3.9% compound annual growth rate (CAGR), from $0.14 to $0.16.
What does capital conservation buffer mean?
The capital conservation buffer is an additional layer of high-quality capital that banks are required to hold above minimum regulatory requirements. It is designed to be drawn down during periods of financial stress to absorb losses without triggering automatic restrictions on capital distributions. This metric is a key indicator of the bank's resilience and long-term capital planning strategy.