Home Bancorp (HBCP) Reports Q2 Earnings: What Key Metrics Have to Say

For the quarter ended June 2025, Home Bancorp (HBCP) reported revenue of $37.07 million, up 11.8% over the same period last year. EPS came in at $1.45, compared to $1.02 in the year-ago quarter.The reported revenue represents a surprise of +3.54% over the Zacks Consensus Estimate of $35.8 million. With the consensus EPS estimate being $1.24, the EPS surprise was +16.94%.While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.Here is how Home Bancorp performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:Efficiency Ratio: 60.5% versus 62.9% estimated by two analysts on average.Net Interest Margin: 4% compared to the 4% average estimate based on two analysts.Total Average Interest-Earning Assets: $3.26 billion versus $3.26 billion estimated by two analysts on average.Total nonperforming loans: $23.35 million versus $18.97 million estimated by two analysts on average.Total nonperforming assets: $25.43 million versus $21.4 million estimated by two analysts on average.Annualized YTD net loan recoveries (charge-offs) to average loans: -0% compared to the 0.1% average estimate based on two analysts.Total Noninterest Income: $3.72 million versus the two-analyst average estimate of $3.76 million.Net Interest Income: $33.35 million versus $32.03 million estimated by two analysts on average.View all Key Company Metrics for Home Bancorp here>>>Shares of Home Bancorp have returned +13.3% over the past month versus the Zacks S&P 500 composite's +5.4% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.One Big Gain, Every Trading DayTo help you take full advantage of this market, you’re invited to access every stock recommendation in all our private portfolios - for just $1.Zacks private portfolio services that closed 256 double and triple-digit winners in 2024 alone. That’s about one big gain every day the market was open. Of course, not all our picks are winners, but members have seen recent gains as high as +627% +1,340%, and +1,708%.Imagine how much you could profit with a steady stream of real-time picks from all our services that cover a number of strategies to suit a variety of investing and trading styles.See Stocks Now >>Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report Home Bancorp, Inc. (HBCP): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).Zacks Investment ResearchWeiter zum vollständigen Artikel bei Zacks Weiter zum vollständigen Artikel bei Zacks