Stock fact sheet · data as of
Home Bancorp, Inc. (HBCP): fair value, margin of safety and Wheel Score
Ticker symbol HBCP · Financial Services · Banks - Regional · United States · Value Quality
Is HBCP undervalued?
HBCP has a margin of safety of 31%: the stock closed at 61.91 on 5 Nov 2026 against a GLS average fair value of 89.80. 6 of the 9 valuation models that produced a number sit above the price. Our scans treat a discount this large as a strong starting point for a cash-secured put, not as a verdict - the fair value is a model output, and a wide gap can mean the models are missing something the market knows.
There is a wide gap between DDM (18.54) and Payback Time (177.66). When the models are this far apart the "fair value" is really a range, and the margin of safety above should be read with that range in mind.
Ranked against every other company we cover, HBCP is clearly cheaper than it is fast-growing, so the nightly engine files it under Value (value score 67, growth score 44, out of 100). It also carries the Quality tag (Quality = moat 7.5+ out of 10 and Piotroski 7+).
Nine valuation models for HBCP
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 59.17 | -4% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 86.38 | +40% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 114.67 | +85% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 34.39 | -44% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 77.53 | +25% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 176.46 | +185% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 177.66 | +187% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 18.54 | -70% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 63.40 | +2% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -365.37 | -690% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 65.00 | +5% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Home Bancorp, Inc. scores 7 of 9 on the Piotroski F-score, the nine yes/no tests of profitability, leverage and efficiency on the latest annual accounts - a strong reading that passes the "Piotroski 6 or more" Wheel Trade Filter with room to spare. A GLS Moat score of 7.6/10 puts HBCP among the more durable businesses we track: over up to ten years its returns on capital have stayed high, its margins steady and its balance sheet sound.
Returns on capital are moderate - ROIC 9.3%, ROE 10.6%, ROA 1.3% - with debt at 0.13 times equity and a free-cash-flow yield of 11.1%.
The dividend yield is 2.04% at a payout ratio of 16%; for a wheel trader holding assigned shares the dividend adds to the covered-call premium, and the ex-dividend date is worth knowing before a call is sold. Revenue comes mainly from Credit Card 55%, Deposit Account 45% (quarter Q2 FY2026).
Institutional ownership scores 7/10, insider activity 2/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 7 / 9 | ROIC | 9.3% |
|---|---|---|---|
| GLS Moat | 7.6 / 10 | ROE | 10.6% |
| Debt / equity | 0.13 | ROA | 1.3% |
| Free-cash-flow yield | 11.1% | Payout ratio | 16% |
| Institutions | 7 / 10 | Insiders · Congress | 2 · 5 / 10 |
Wheel Score 53: Fair
A Wheel Score of 53 keeps Home Bancorp, Inc. under 70, the mark only a stock that passes all 9 Wheel Trade Filters can reach: it fails filter 1, options that actually trade - options too quiet (21 open interest, 32 a day); and filter 8, big enough - market cap $487M (under $1.0B). The parts: value strong, premium strong, moat good, health good, red flags strong, option trading weak, stability fair.
Implied volatility is 35% on the near-the-money contracts 20-60 days out - inside the 35-60% sweet spot the Wheel Score rewards most: enough premium to be worth selling, not so much that the risk is unpaid. Chain open interest is thin - 21 contracts across every expiry - so fills at a fair price are not guaranteed; a 30-45-day put may not exist at a usable strike.
Volume runs at 66k shares a day on a market cap of $487M, with a beta of 0.52 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score rates that fair.
| Filter | Wheel Trade Filter | Result | Detail |
|---|---|---|---|
| 1 | Options that actually trade | Fails | options too quiet (21 open interest, 32 a day) |
| 2 | A real business, not a gamble | Passes | Profitable over the last twelve months - not a speculative stock, fund or note |
| 3 | Below fair value | Passes | Trading below the nine-model average fair value (margin of safety above 0) |
| 4 | Financially healthy | Passes | Piotroski F-score 6 or more out of 9 (a company with no score on file passes) |
| 5 | Can repay its debt | Passes | Long-term debt repaid from 3 years of operating cash flow or less (6 for real estate and utilities; banks and insurers are not judged on it) |
| 6 | No serious red flags | Passes | Red Flags score 60 or more out of 100 (earnings, margins, debt, analysts, filings and price checked the same way for every stock) |
| 7 | A premium worth selling | Passes | Implied volatility 25-80% (enough premium, not a lottery ticket) |
| 8 | Big enough | Fails | market cap $487M (under $1.0B) |
| 9 | Not a penny stock | Passes | Share price $5 or more |
| How it ranks | Rating | From | |
|---|---|---|---|
| Value | Strong | 31% below fair value | |
| Premium | Strong | implied volatility 35% | |
| Moat | Good | moat 7.6/10 | |
| Health | Good | Piotroski 7/9 | |
| Red Flags | Strong | Red Flags score 92/100 | |
| Option trading | Weak | 32 contracts a day, 21 open interest | |
| Stability | Fair | beta 0.52, $487M company |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it fits into a trade, start to finish.
Upcoming events
The next earnings report is due on 25 Jan 2027, 81 days away - outside the window of a 30-45-day put sold today.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to Home Bancorp, Inc. by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| BMRC Bank of Marin Bancorp | 29.52 | 51.77 | +43% | 48Weak | $479M |
| PBAM Private Bancorp of America, Inc. | 87.43 | 129.30 | +32% | 33No options | $501M |
| FRBA First Bank | 20.54 | 28.65 | +28% | 48Weak | $508M |
| PBFS Pioneer Bancorp, Inc. | 18.80 | 11.70 | -61% | 16No options | $467M |
| CZNC Citizens & Northern Corporation | 28.56 | 32.46 | +12% | 43Weak | $512M |
| FMAO Farmers & Merchants Bancorp, Inc. | 37.48 | 38.63 | +3% | 41Weak | $516M |
| CBK Commercial Bancgroup, Inc. Common Stock | 33.52 | 30.79 | -9% | 20No options | $460M |
| FFMR First Farmers Financial Corporation | 37.50 | 61.98 | +39% | 38No options | $520M |
| WTBA West Bancorporation, Inc. | 31.13 | 31.73 | +2% | 40Weak | $531M |
| RBB RBB Bancorp | 26.24 | 33.05 | +21% | 50Fair | $444M |
| PLBC Plumas Bancorp | 63.78 | 63.56 | -0% | 24No options | $444M |
| PDLB Ponce Financial Group, Inc. | 22.18 | 71.16 | +69% | 46Weak | $536M |
⚖ Compare HBCP with 7 of them All Financial Services stocks →
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A free GLS Equity account gets you nightly fair value and the Wheel Score on ~7,400 US stocks, a watchlist, the scanner preview and the Sunday Scan - the top 10 stocks that pass all 9 Wheel Trade Filters, emailed every week. Pro adds the full put and call scanners, unlimited watchlists with alerts and the trade journal.
Start free See the Sunday ScanQuestions about HBCP
Is HBCP undervalued right now?
By the GLS models, yes: at 61.91 the stock is 31% below the average fair value of 89.80 (data as of 5 Nov 2026). Whether the discount is deserved is the question to research next.
What is the Wheel Score of HBCP and what does it mean?
HBCP scores 53 out of 100 (Fair) - it fails Wheel Trade Filters 1, 8. The Wheel Score ranks stocks for the wheel strategy - selling cash-secured puts, then covered calls if assigned - in two parts: the 9 pass/fail Wheel Trade Filters (busy options, a real business, below fair value, Piotroski 6 or more, debt it can repay, a Red Flags score of 60 or more, implied volatility of 25-80%, a $1 billion company, $5 a share) and a ranking of how strongly a stock passes on value, premium, moat, health, red flags, option trading and stability. A stock that fails any filter stays under 70; 70-84 is Good, 85 and above is Prime. The Sunday Scan is the top 10 that pass, sorted by Wheel Score.
What is the GLS fair value for HBCP?
89.80 per share as of 5 Nov 2026 - the simple average of the 9 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does Home Bancorp, Inc. report earnings next?
The next earnings report is due on 25 Jan 2027, 81 days from the data date of 5 Nov 2026. The Calendars page lists every upcoming report with its time of day.
Does HBCP have listed options, and how liquid are they?
Yes. The nightly snapshot found 60 listed contracts with 21 open interest across all expiries and implied volatility of 35% on the near-the-money contracts. The Options scanner lists the cash-secured put and covered call set-ups with premium and annualised yield worked out.