
Home Bancorp (HBCP) Stock Forecast & Price Target
Home Bancorp (HBCP) Analyst Ratings
Bulls say
Home Bancorp is poised for positive growth, anticipating a re-acceleration in loan growth driven by potential interest rate cuts, with a target growth range for 2025 set between 4-6%. The company recently announced a 7.4% increase in its quarterly common stock dividend, reflecting strong capital management and a commitment to returning value to shareholders, with a dividend payout ratio targeted in the 20-25% range. Additionally, improving unemployment rates and a strengthening housing market could further enhance financial performance, suggesting potential upside to revenue and overall estimates.
Bears say
Home Bancorp's loan-to-deposit ratio decreased to 95.1% in Q2 2025, down from 97.2% in the prior quarter, indicating a potential challenge in managing funds effectively as it remains above the target ratio of 90-92%. Additionally, heightened competition is expected to exert pressure on asset yields and funding costs, which may negatively impact the company's profit margins and overall profitability. Furthermore, rising unemployment or a downturn in the housing market could lead to increased credit losses, further complicating earnings forecasts and presenting additional downside risks for the company.
This aggregate rating is based on analysts' research of Home Bancorp and is not a guaranteed prediction by Public.com or investment advice.
Home Bancorp (HBCP) Analyst Forecast & Price Prediction
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