HBCP FINANCIAL STATEMENTS

Home Bancorp Inc — balance sheet, income statement and cash flow trends

HBCPHome Bancorp Inc

🇺🇸 USA · NASDAQ · Financial Services · Banks - Regional

Value it Duel

Income Statement

Quarterly progression — trailing-twelve-month values

RevenueNet Income

Profit Funnel

Q1 2026 · TTM

Percentages are relative to revenue.

Key Figures

YoY change

Revenue209.6 M $+3.3%

Gross Profit150.5 M $+11.2%

Operating Income58.6 M $+23.3%

EBITDA61.9 M $+21.6%

Net Income46.5 M $+21.6%

Peer Comparison· Banks - Regional

Company	Rev. Growth	Gross Margin	EBITDA Margin	Net Margin
HBCP	—	—	—	22.2%
TSKB	—	—	—	54.9%
NWG	—	—	—	20.1%
ICBCT	—	—	—	24.7%
ISBTR	—	—	—	28.1%
LLOY	—	—	—	25.9%
Industry median	—	67.2%	20.4%	20.6%

Balance Sheet

Quarterly period-end values

Total AssetsTotal LiabilitiesEquity

Capital Structure

Q1 2026

Equity444.4 M $13%
Current Liabilities3 B $85%
Long-term Liabilities83.5 M $2%

Key Figures

YoY change

Total Assets3.6 B $+2.0%

Total Liabilities3.1 B $+0.9%

Total Equity444.4 M $+10.3%

Cash & ST Investments609.7 M $+330.6%

Total Debt54.7 M $-75.5%

Net Debt-168.8 M $-249.8%

Peer Comparison· Banks - Regional

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
HBCP	0.22	12.3%	-8.96	12.5%
TSKB	—	0.0%	-0.47	13.4%
NWG	0.25	17.0%	-14.68	5.2%
ICBCT	—	0.0%	-20.34	4.0%
ISBTR	—	0.0%	-28.33	8.5%
LLOY	0.12	209.8%	5.39	5.0%
Industry median	0.31	38.0%	-0.58	11.0%

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
HBCP	0.22	12.3%	-8.96	12.5%
BSRR	0.19	109.5%	-3.40	9.7%
FFIC	32.60	67.2%	5.72	7.9%
FBIZ	0.15	81.7%	-3.11	8.8%
COFS	0.52	49.7%	1.67	10.7%
SFST	0.03	69.8%	3.04	8.3%
Industry median	0.31	38.0%	-0.58	11.0%

Cash Flow Statement

Quarterly progression — trailing-twelve-month values

Operating Cash FlowCapital ExpendituresFree Cash Flow

Cash Flow Bridge

Q1 2026 · TTM

Key Figures

YoY change

Operating Cash Flow58.7 M $+15.2%

Capital Expenditures8.6 M $+29.4%

Free Cash Flow50.1 M $+13.1%

Dividends Paid-9.2 M $-210.7%

Peer Comparison· Banks - Regional

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
HBCP	28.0%	23.9%	4.1%	126.5%
TSKB	54.9%	71.9%	17.0%	100.0%
NWG	—	—	0.0%	—
ICBCT	24.7%	29.9%	5.1%	100.0%
ISBTR	28.1%	-3.3%	31.4%	100.0%
LLOY	—	—	0.0%	—
Industry median	23.6%	22.1%	1.5%	111.4%

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
HBCP	28.0%	23.9%	4.1%	126.5%
BSRR	2.1%	1.5%	0.6%	9.1%
FFIC	9.4%	8.5%	0.9%	131.2%
FBIZ	18.9%	18.7%	0.2%	104.1%
COFS	15.8%	12.7%	3.0%	68.3%
SFST	16.4%	16.0%	0.4%	96.2%
Industry median	23.6%	22.1%	1.5%	111.4%

Amounts are in the company’s reporting currency. Peer comparison tables use ratio-based metrics so currency differences do not distort the picture.

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Data on this page refreshes once per day. Price data as of Jul 2, 26. This content is for informational purposes only and is not investment advice.