
Home Bancorp (HBCP) Stock Forecast & Price Target
Home Bancorp (HBCP) Analyst Ratings
Bulls say
Home Bancorp's outlook is bolstered by anticipated loan growth that could benefit from potential rate cuts, projecting loan growth in 2025 within a range of +4-6%. Additionally, the company has increased its quarterly common stock dividend by 7.4% to $0.29, indicating a commitment to returning value to shareholders while maintaining a conservative payout ratio of 20-25%. Furthermore, favorable economic conditions, such as declining unemployment and a strengthening housing market, could lead to upward revisions in performance estimates, enhancing long-term growth prospects.
Bears say
Home Bancorp's loan-to-deposit ratio decreased to 95.1% in Q2 2025, remaining above the target range but indicating a reduction in liquidity management effectiveness. The bank faces significant competitive pressures, which could adversely affect asset yields and increase funding costs, leading to squeezed profit margins. Furthermore, any rise in unemployment or deterioration in the housing market could accelerate credit losses, further negatively impacting earnings projections.
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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