Home Bancorp, Inc. (HBCP) Income Statement
HBCP 2025 at a glance
Fiscal year ended December 31, 2025 · U.S. dollarsHBCP revenue and net income
Where HBCP's revenue goes
2025Each bar shows an amount and its share of revenue. HBCP kept 22.0% of revenue as net income.
HBCP profit margins
HBCP growth rates
to 2025| 1 year | 3 years | 5 years | 10 years | |
|---|---|---|---|---|
| Revenue | +4.9% | +14.4% | +12.1% | +12.0% |
| Gross profit | +11.5% | +5.9% | +9.5% | +9.2% |
| Operating income | +28.4% | +10.9% | +13.5% | +11.7% |
| Net income | +26.5% | +10.6% | +13.2% | +13.9% |
| EPS (diluted) | +29.0% | +12.1% | +15.4% | +11.6% |
1-year change and average annual growth (CAGR) over 3, 5 and 10 fiscal years. "—" when a starting value was zero or negative.
HBCP quarterly EPS vs estimates
Home Bancorp beat the analyst EPS estimate in 8 of the last 8 quarters. Next report: October 19, 2026 (estimate $1.51).
HBCP income statement
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $209.2M | $199.4M | $178.3M | $139.8M | $123.2M | $118.4M | $116.6M | $115.8M | $84.4M | $78.8M |
| Cost of revenue | $61.7M | $67.0M | $45.8M | $15.7M | −$3.9M | $24.6M | $19.2M | $14.2M | $8.9M | $8.5M |
| Gross profit | $147.6M | $132.4M | $132.5M | $124.1M | $127.0M | $93.8M | $97.4M | $101.5M | $75.5M | $70.4M |
| Research & development | — | — | — | — | — | — | — | $0 | $0 | $0 |
| Sales, general & admin | $63.5M | $53.3M | $51.1M | $50.0M | $41.0M | $39.1M | $40.0M | $38.1M | $29.4M | $28.7M |
| Total operating expenses | $89.6M | $87.2M | $82.3M | $81.6M | $66.6M | $63.0M | $63.6M | $63.2M | $46.2M | $46.8M |
| Operating income | $58.0M | $45.2M | $50.1M | $42.5M | $60.4M | $30.8M | $33.8M | $38.3M | $29.3M | $23.6M |
| Interest income | $193.8M | $184.8M | $156.9M | $125.9M | $106.9M | $104.1M | $102.2M | $102.3M | $74.4M | $67.7M |
| Interest expense | $60.5M | $64.5M | $43.0M | $7.9M | $5.9M | $11.9M | $16.2M | $10.3M | $6.5M | $5.3M |
| Income before taxes | $58.0M | $45.2M | $50.1M | $42.5M | $60.4M | $30.8M | $33.8M | $38.3M | $29.3M | $23.6M |
| Income taxes | $12.0M | $8.8M | $9.9M | $8.4M | $11.8M | $6.0M | $5.9M | $6.7M | $12.5M | $7.6M |
| Net income | $46.1M | $36.4M | $40.2M | $34.1M | $48.6M | $24.8M | $27.9M | $31.6M | $16.8M | $16.0M |
| EBITDA | $61.3M | $48.7M | $53.7M | $46.0M | $63.5M | $34.0M | $36.8M | $41.0M | $31.5M | $25.6M |
| EPS (diluted) | $5.87 | $4.55 | $4.99 | $4.17 | $5.77 | $2.87 | $3.07 | $3.57 | $2.75 | $2.27 |
| Gross margin | 70.5% | 66.4% | 74.3% | 88.8% | 103.1% | 79.2% | 83.5% | 87.7% | 89.5% | 89.3% |
| Operating margin | 27.7% | 22.7% | 28.1% | 30.4% | 49.1% | 26.0% | 29.0% | 33.1% | 34.8% | 29.9% |
| Net margin | 22.0% | 18.3% | 22.6% | 24.4% | 39.5% | 20.9% | 24.0% | 27.3% | 19.9% | 20.3% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $53.1M | $51.5M | $52.8M | $53.0M | $52.3M | $51.2M | $51.4M | $51.1M | $49.2M | $47.7M | $46.9M | $46.5M |
| Cost of revenue | $14.2M | $14.2M | $15.2M | $14.9M | $14.8M | $15.8M | $17.3M | $17.1M | $17.2M | $15.4M | $14.9M | $12.9M |
| Gross profit | $39.0M | $37.3M | $37.6M | $38.1M | $37.5M | $35.4M | $34.1M | $33.9M | $32.0M | $32.3M | $32.0M | $33.6M |
| Sales, general & admin | $21.4M | $19.3M | $16.4M | $14.0M | $13.8M | $13.1M | $14.0M | $13.4M | $13.3M | $12.6M | $12.2M | $13.1M |
| Total operating expenses | $24.4M | $22.9M | $23.1M | $22.5M | $23.4M | $21.6M | $22.1M | $22.3M | $21.9M | $20.9M | $20.5M | $21.3M |
| Operating income | $14.6M | $14.4M | $14.5M | $15.5M | $14.2M | $13.8M | $12.0M | $11.7M | $10.1M | $11.4M | $11.5M | $12.2M |
| Interest income | $49.2M | $47.7M | $48.7M | $49.2M | $48.6M | $47.2M | $47.8M | $47.4M | $45.5M | $44.1M | $43.4M | $42.1M |
| Interest expense | $13.4M | $13.3M | $14.7M | $15.1M | $15.3M | $15.5M | $16.2M | $17.0M | $16.1M | $15.2M | $14.1M | $12.6M |
| Income before taxes | $14.4M | $14.4M | $14.5M | $15.5M | $14.2M | $13.8M | $12.0M | $11.7M | $10.1M | $11.4M | $11.5M | $12.2M |
| Income taxes | $2.8M | $3.0M | $3.1M | $3.2M | $2.8M | $2.8M | $2.3M | $2.2M | $2.0M | $2.2M | $2.1M | $2.5M |
| Net income | $11.6M | $11.4M | $11.4M | $12.4M | $11.3M | $11.0M | $9.7M | $9.4M | $8.1M | $9.2M | $9.4M | $9.8M |
| EBITDA | $16.3M | $15.2M | $15.4M | $16.4M | $15.0M | $14.6M | $12.8M | $12.6M | $10.9M | $12.3M | $12.4M | $13.1M |
| EPS (diluted) | $1.48 | $1.45 | $1.46 | $1.59 | $1.45 | $1.37 | $1.21 | $1.18 | $1.02 | $1.14 | $1.17 | $1.22 |
| Gross margin | 73.3% | 72.5% | 71.3% | 71.9% | 71.7% | 69.1% | 66.3% | 66.4% | 65.1% | 67.8% | 68.2% | 72.2% |
| Operating margin | 27.4% | 27.9% | 27.5% | 29.3% | 27.1% | 26.9% | 23.3% | 22.9% | 20.5% | 24.0% | 24.5% | 26.3% |
| Net margin | 21.9% | 22.1% | 21.6% | 23.3% | 21.6% | 21.4% | 18.8% | 18.5% | 16.5% | 19.3% | 20.0% | 21.0% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported in HBCP's financial statements (latest annual report filed March 6, 2026); data from EODHD. Sales, general & administrative expenses include sales and marketing.
HBCP financial results
In fiscal year 2025 (ended December 31, 2025), Home Bancorp reported revenue of $209.2 million, up 4.9% from the year before. It had net income of $46.1 million (up 26.5%), a net profit margin of 22.0%. Diluted earnings per share came to $5.87. Over five years revenue grew at an average rate of 12.1% a year.
See the HBCP stock overview for the latest quote and news, or the HBCP chart for price history and technical indicators.
HBCP income statement FAQ
What is Home Bancorp's annual revenue?
Home Bancorp reported total revenue of $209.2 million for fiscal year 2025, which ended on December 31, 2025. That was up 4.9% from $199.4 million the previous year.
Is Home Bancorp profitable?
Yes. Home Bancorp reported net income of $46.1 million in fiscal 2025, a net profit margin of 22.0%; its operating margin was 27.7%.
What is Home Bancorp's gross margin?
Home Bancorp's gross margin was 70.5% in fiscal 2025: for every $100 of revenue, Home Bancorp kept $71 after the direct cost of its products and services.
How fast is Home Bancorp growing?
Revenue grew 12.1% a year on average over the last five fiscal years, from $118.4 million to $209.2 million.
What are Home Bancorp's earnings per share?
Home Bancorp earned $5.87 per diluted share in fiscal 2025, compared with $4.55 a year earlier.
When will Home Bancorp report its next earnings?
Home Bancorp is expected to report results for the quarter ending September 30, 2026 on October 19, 2026 after the market closes.
When does Home Bancorp's fiscal year end?
Home Bancorp's fiscal year ends in December. The latest annual report covers the year ended December 31, 2025 and was filed on March 6, 2026.