Home Bancorp, Inc. cash flow to debt ratio of 94.47% indicates that the company generates enough cash to cover a substantial portion of its debt. This level indicates very strong financial health.

Home Bancorp, Inc.'s free cash flow has decreased 0.74% from $44.67M last year to $44.34M, signaling decreasing performance

Home Bancorp, Inc.'s debt to equity ratio is 0.12, which means that the company's assets are healthy financed, signaling financial stability.

Home Bancorp, Inc.'s debt has decreased relative to shareholder equity from 0.59 last year to 0.12 today, signaling strengthened financials

Home Bancorp, Inc. has a net cash position, so leverage is healthy.

Home Bancorp, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.

Home Bancorp, Inc.'s profit margin has increased (21.64%) in the last year from 18.27% to 22.22%, signaling increasing performance

Home Bancorp, Inc.'s short-term liabilities of $1.97B exceed its short-term assets of $180.72M, signaling financial risk

Home Bancorp, Inc.'s return on assets of 1.30% is lower than the 5.00% threshold, indicating inefficient asset utilization

Home Bancorp, Inc.'s return on equity of 10.65%, is lower than 15.00%, indicating bad performance

Home Bancorp, Inc.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

Home Bancorp, Inc. had positive net income in 5 out of 5 years, indicating stable and consistent earnings

Home Bancorp, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures

Home Bancorp, Inc. has a free cash flow yield of 7.98%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

Home Bancorp, Inc.'s yearly earnings has increased 26.45% since last year from $36.43M to $46.06M, signaling increasing performance

Home Bancorp, Inc.'s yearly revenue has increased 4.93% since last year from $199.39M to $209.23M, signaling increasing performance

ROIC 8.77% (Source: FMP key-metrics). In the 5–10% partial-credit band. Score: 1 of 2. This band sits within the typical US weighted-average cost of capital range. Methodology choice can change the conclusion: under FMP's invested-capital definition the company is at or near its cost of capital; under narrower operating-capital definitions the same company may score higher. Invested capital here includes equity, non-current liabilities, and short-term debt. Cash is not subtracted. See methodology.

Home Bancorp, Inc.'s 3-year revenue CAGR of 14.38% is positive, indicating growing revenue over the past 3 years

Home Bancorp, Inc. had revenue growth in 5 out of 5 years, indicating consistent revenue performance

Home Bancorp, Inc. had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

Home Bancorp, Inc. is undervalued relative to its fair value price of 73.86 based on Discounted Cash Flow model

Home Bancorp, Inc. has an earnings yield of 8.53%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

Home Bancorp, Inc. is overvalued relative to its fair value price of 62.53 based on EBITDA multiple model

Home Bancorp, Inc. has an EV/EBITDA ratio of 7.06x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

Home Bancorp, Inc. is undervalued relative to its fair value price of 147.46 based on Earnings Fair Value model

Home Bancorp, Inc. has a PEG-ratio under 1 which is considered undervalued

Home Bancorp, Inc. has a price-to-book ratio of 1.21x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Home Bancorp, Inc. has a price-to-sales ratio of 2.60x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue