Home Bancorp

HBCP · NASDAQ

$59.47−$6.31 (−9.59%)TodayMarket closed · Oct 20, 7:30 PM ET

Prev close $65.78

HBCP analyst rating

HoldConsensus of 1 analyst over the last 12 months. 0% rate it a buy.

Strong buy0
Buy0
Hold1
Underperform0
Sell0

12-month price target · 6 analysts

Average $73.06 (+22.8% upside)

Low: $66.15
Now: $59.47
High: $79.80

Upgrades and downgrades

The latest rating actions, newest first

HBCP analyst upgrades, downgrades and rating actions
Firm	Date	Action	Rating	Price target	Hit rate
Piper Sandler	Apr 22, 2026	Downgrade	Overweight → Neutral	$69.00	67%

The case for and against

Updated Jan 12, 2026

Bull case

Home Bancorp Inc's financial outlook remains positive due to anticipated loan growth, which is projected to re-accelerate with potential rate cuts in the latter half of 2025, positioning loan growth within a range of 4-6% for the year. Additionally, the announcement of a quarterly common stock dividend increase of 7.4% reflects the bank’s robust financial health and commitment to returning value to shareholders, supported by a target payout ratio of 20-25%. Furthermore, potential economic improvements, such as declining unemployment rates and a stronger housing market, may further enhance the company’s financial performance and lead to upside in earnings estimates.

Bear case

The decrease in Home Bancorp's loan-to-deposit ratio to 95.1% in 2Q25, while remaining above the target range, indicates a potential over-reliance on deposits for lending activities, which may pose a risk if market conditions change. Furthermore, heightened competition is expected to exert downward pressure on both asset yields and funding costs, ultimately affecting the company's profit margins. Additionally, the potential for rising unemployment and a weakening housing market raises concerns about accelerating credit losses, which could further negatively impact the company’s earnings outlook.

Information on this page is provided for informational purposes only and is not a recommendation to buy, sell or hold any security. Investing involves risk, including possible loss of principal. Market data is delayed at least 15 minutes and is provided without warranty. Analyst ratings, price targets and company data come from third-party sources. Past performance does not guarantee future results.