Home Bancorp Q4 net income down 8% from previous quarter

Home Bancorp

26/01/2026 21:36

Overview

U.S. bank's Q4 net income fell 8% from Q3, with EPS at $1.46

Net interest margin decreased to 4.06% due to lower loan yield

Nonperforming assets rose 17% due to loans on nonaccrual status

Outlook

Company anticipates positive impact on NIM from repricing of Certificates of Deposit

Home Bancorp did not provide specific future guidance

Result Drivers

LOAN GROWTH - Commercial and industrial loans were a primary driver of loan growth in Q4, contributing to an overall increase in loan production

CORE DEPOSITS - Core deposits increased by $24.5 mln, or 1%, during Q4, supporting the company's financial position

NIM DECLINE - Net interest margin decreased due to lower yield on interest-earning assets, partially offset by lower funding cost

Key Details

Metric
Beat/Miss
Actual
Consensus Estimate
Q4 EPS
$1.46
Q4 Net Income
$11.40 mln
Q4 Net Interest Income
$34 mln
Q4 Net Interest Margin
4.06%


Analyst Coverage

The current average analyst rating on the shares is "buy" and the breakdown of recommendations is 2 "strong buy" or "buy", 2 "hold" and no "sell" or "strong sell"

The average consensus recommendation for the banks peer group is "buy"

Wall Street's median 12-month price target for Home Bancorp Inc is $61.50, about 2% above its January 23 closing price of $60.32

The stock recently traded at 11 times the next 12-month earnings vs. a P/E of 10 three months ago

Press Release: ID:nPn98vNZra

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(This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)