OakChart

Home Bancorp Inc

HBCPFinancial·Banks - Regional·USA·Small·NASD·Nov 11 • 8:15 AM ET

61.30-0.15 (-0.24%)
2026-11-11 14:22 CET
Market cap
478.03 USD m
Revenue, TTM
- USD m
Net income, TTM
44.48 USD m
Free cash flow, TTM
52.32 USD m
EPS diluted, TTM
5.68
P/E
10.80
Compare

Price

HBCP against its 20, 50 and 200-day averages
2050200beatmiss
60.0065.0070.0075.00193K387KMay 26Jun 26Jul 26Aug 26Sep 26Oct 26Nov 26HBCPclose 61.3020-day 61.8250-day 65.42200-day 65.0761.30

17.7% under 74.50 on 14 Aug 2026. Last 15 sessions, 7.1% high to low

Profile

HBCP
52-week range, 41% of the way up
52.0674.50

Home Bancorp, Inc. is a holding company, which engages in providing commercial banking services through its subsidiaries. It offers deposit and loan products through banking centers in South Louisiana and Western Mississippi. The company was founded in 1908 and is headquartered in Lafayette, LA.

IndexRUT
Employees486
IPOOct 03, 2008
Beta0.51
ATR, 14d1.54
Rel volume0.01
Short float4.50%
Insider own12.19%
Inst own54.10%

Snapshot

6 groups

Valuation

IndexRUT
Market Cap476.86M
Enterprise Value-
Income44.48M
Sales208.75M
Book/sh57.55
Cash/sh-
Dividend Est.1.26 (2.06%)
Dividend TTM1.26 (2.06%)
Dividend Ex-DateNov 02, 2026
Dividend Gr. 3/5Y7.02% 5.31%
Payout19.42%
Employees486
IPOOct 03, 2008

Ratios

P/E10.80
Forward P/E10.13
PEG5.09
P/S2.28
P/B1.07
P/C-
P/FCF9.11
EV/EBITDA-
EV/Sales-
Quick Ratio-
Current Ratio0.10
Debt/Eq0.12
LT Debt/Eq0.12
Option/ShortYes / Yes

Earnings

EPS (ttm)5.68
EPS next Y6.05
EPS next Q1.44
EPS this Y-5.62%
EPS next Y7.04%
EPS next 5Y1.99%
EPS past 3/5Y12.18% 15.59%
Sales past 3/5Y14.33% 12.05%
EPS Y/Y TTM1.16%
Sales Y/Y TTM0.96%
EPS Q/Q-19.24%
Sales Q/Q-1.30%
EarningsOct 19 AMC
EPS/Sales Surpr.-13.12% -0.29%

Ownership

Insider Own12.19%
Insider Trans-0.55%
Inst Own54.10%
Inst Trans4.92%
ROA1.25%
ROE10.15%
ROIC8.76%
Gross Margin-
Oper. Margin26.86%
Profit Margin21.31%
SMA20-0.84%
SMA50-6.30%
SMA200-5.79%
Trades-

Technical

Shs Outstand7.87M
Shs Float6.83M
Short Float4.50%
Short Ratio4.14
Short Interest0.31M
52W High74.50 -17.72%
52W Low52.06 17.74%
Volatility2.48% 2.86%
ATR (14)1.54
RSI (14)40.23
Beta0.51
Rel Volume0.01
Avg Volume74.24K
Volume28

Performance

Perf Week-0.99%
Perf Month-6.77%
Perf Quarter-15.27%
Perf Half Y-2.31%
Perf YTD6.06%
Perf Year11.58%
Perf 3Y69.57%
Perf 5Y42.59%
Perf 10Y88.62%
Recom2.75
Target Price68.00
Prev Close61.45
Price61.30
Change %-0.24%

Analyst ratings

latest 10 of 20
DateActionAnalystRating changeTargetImplied
Apr 22, 2026ReiteratedHHovde GroupMarket Perform$62 → $65.50+6.9%
Apr 22, 2026DowngradePPiper SandlerOverweight → Neutral$69+12.6%
Jan 29, 2026ReiteratedHHovde GroupMarket Perform$61 → $62+1.1%
Apr 24, 2025ReiteratedHHovde GroupMarket Perform$48.50 → $51.50-16.0%
Feb 21, 2025ResumedPPiper SandlerOverweight$60-2.1%
Nov 12, 2024DowngradeHHovde GroupOutperform → Market Perform$53 → $54.50-11.1%
Oct 21, 2024UpgradeRRaymond JamesMkt Perform → Outperform$50-18.4%
Oct 21, 2024ReiteratedHHovde GroupOutperform$48.50 → $53-13.5%
Jul 19, 2024ReiteratedHHovde GroupOutperform$45 → $48.50-20.9%
Jan 24, 2024DowngradePPiper SandlerOverweight → Neutral$40 → $43-29.9%

Peers

Mkt cap
TickerCompanyMkt cap
RRBIRed River Bancshares Inc689.82M
BFSTBusiness First Bancshares Inc1.06B
ISTRInvestar Holding Corp386.14M
OBKOrigin Bancorp Inc1.65B
FGBIFirst Guaranty Bancshares Inc216.13M
HFBLHome Federal Bancorp Inc (Louisiana)72.64M
CLSTCatalyst Bancorp Inc70.08M
HWCHancock Whitney Corp5.84B
RNSTRenasant Corp3.61B
TRMKTrustmark Corp2.63B

Insider trading

latest 14 of 20
InsiderRelationshipDateTransactionCostSharesValueTotal heldForm
Zollinger John J. IVSEVP, Chief Banking OfficerAug 18 '26Option Exercise35.2675026,4458,393Aug 19 09:47 AM
Zollinger John J. IVSEVP, Chief Banking OfficerAug 18 '26Sale71.6875053,7607,643Aug 19 09:47 AM
JOHN J. ZOLLINGEROfficerAug 18 '26Proposed Sale71.6875053,760Aug 18 04:05 PM
Zollinger John J. IVSEVP, Chief Banking OfficerJul 24 '26Option Exercise21.9980017,5928,443Jul 27 10:53 AM
Zollinger John J. IVSEVP, Chief Banking OfficerJul 24 '26Sale69.3980055,5127,643Jul 27 10:53 AM
JOHN JACOB ZOLLINGEROfficerJul 24 '26Proposed Sale69.3980055,512Jul 24 04:05 PM
GUIDRY DANIEL GDirectorMay 21 '26Sale65.011,00065,01063,519May 21 05:12 PM
Lemoine Natalie B.SEVP, Chief Admin. OfficerMay 15 '26Option Exercise28.0050014,0008,114May 18 05:35 PM
Zollinger John J. IVSEVP, Chief Banking OfficerMay 13 '26Sale62.7786754,4227,643May 13 06:28 PM
Kirkley David T.SEVP & Chief Financial OfficerMay 13 '26Sale62.8065541,1345,064May 13 05:08 PM
Kirkley David T.SEVP & Chief Financial OfficerMay 12 '26Sale63.2722013,9195,719May 13 05:08 PM
DAVID KIRKLEYOfficerMay 13 '26Proposed Sale62.8065541,137May 13 04:20 PM
GUIDRY DANIEL GDirectorMay 11 '26Sale64.501,00064,50064,019May 11 06:08 PM
GUIDRY DANIEL GDirectorMay 08 '26Proposed Sale64.582,000129,160May 08 01:57 PM

Held by

AUM
TickerCompanyAUM
VTIVanguard Morningstar Total Stock Market ETFAUM: 689.41B
AVUVAvantis U.S. Small Cap Value ETFAUM: 32.40B
IWMiShares Russell 2000 Index FundAUM: 78.30B
DFSVUS Small Cap Value Portfolio ETF Class SharesAUM: 8.54B
KREState Street SPDR S&P Regional Banking ETFAUM: 4.28B
DFATU.S. Targeted Value Portfolio-ETF Class SharesAUM: 14.50B
VXFVanguard Extended Market Index ETFAUM: 30.61B
IWNiShares Russell 2000 Value ETFAUM: 14.17B
DFASU.S. Small Cap Portfolio-ETF Class SharesAUM: 15.57B
BSVOEA Bridgeway Omni Small-Cap Value ETFAUM: 2.44B

News

latest 14 of 202
  • Home Bancorp Misses As Credit Costs Overwhelm Record Net Interest Income; Management Bets NPAs Are Near Peak (Earnings Whispers) -9.59%
  • HOME BANCORP, INC. ANNOUNCES CEO RETIREMENT AND LEADERSHIP TRANSITION (PR Newswire)
  • Home Bancorp: Q3 Earnings Snapshot (Associated Press)
  • HOME BANCORP, INC. ANNOUNCES 2026 THIRD QUARTER RESULTS AND DECLARES QUARTERLY DIVIDEND (PR Newswire)
  • HOME BANCORP, INC. TO ISSUE 2026 THIRD QUARTER EARNINGS AND HOST CONFERENCE CALL (PR Newswire)
  • Loading…
  • Home Bancorp Inc's Dividend Analysis (GuruFocus.com)
  • Home Bancorp Inc (HBCP) Q2 2026 Earnings Call Highlights: Record Net Interest Income and Strong ... (GuruFocus.com)
  • Home Bancorp: Q2 Earnings Snapshot (Associated Press)
  • HOME BANCORP, INC. ANNOUNCES 2026 SECOND QUARTER RESULTS AND INCREASES QUARTERLY DIVIDEND BY 3% (PR Newswire)
  • Earnings To Watch: Home Bancorp Inc (HBCP) Reports Q2 2026 Result (GuruFocus.com)
  • Home Bancorp Inc (HBCP) Q2 2026 Earnings Report Preview: What To Look For (GuruFocus.com)
  • HOME BANCORP, INC. TO ISSUE 2026 SECOND QUARTER EARNINGS AND HOST CONFERENCE CALL (PR Newswire)
  • HOME BANCORP, INC. ANNOUNCES SEPARATION OF CHIEF EXECUTIVE OFFICER AND PRESIDENT ROLES (PR Newswire)

Quarterly earnings

actual against estimate
PeriodReportedEPS actEPS estEPS repSales actSales estAnalysts
2026Q32026-10-191.3011.4981.28040.1240.234
2026Q22026-07-201.5011.4561.47939.7238.574
2026Q12026-04-201.4741.3881.45138.2237.604
2025Q42026-01-261.4861.3901.46438.0537.403
2025Q32025-10-201.6171.3601.58837.8437.204
2025Q22025-07-211.4771.2201.45637.0735.773
2025Q12025-04-211.3991.1431.36635.7634.573
2024Q42025-01-271.2411.1111.21035.2234.003
2024Q32024-10-171.2130.9901.18534.0733.202
2024Q22024-07-171.0530.9801.01233.1532.153
2024Q12024-04-171.1750.9731.14432.4532.104
2023Q42024-01-221.2071.0501.17232.7633.273
2023Q32023-10-181.2581.0041.21333.9132.755
2023Q22023-07-171.2481.1601.21133.7534.155
2023Q12023-04-181.4331.2061.39134.9135.305
2022Q42023-01-241.3631.3231.32736.6235.963

Annual earnings

PeriodEPS actEPS estEPS repSales actSales est
2017FY2.6502.5402.27777.8174.54
2018FY3.4003.4603.397105.45106
2019FY3.0503.0433.054100.41100.7
2020FY2.8652.3452.845106.51104.69
2021FY5.7705.5885.769117.26116.43
2022FY4.1604.4604.158131.9131.21
2023FY5.1504.8434.990135.33136.03
2024FY4.6704.4574.551134.89133.65
2025FY5.9905.8005.870148.72148.1
2026FY-5.653--158.53
2027FY-6.051--166.33
2028FY-6.356--172.4

Estimate revisions

last 14 periods
PeriodTypeDateEstimatesUpDownMeanLowHigh
2026Q4S2026-10-2030140.5040.2040.80
2026Q4S2026-10-1930040.8740.8040.90
2026Q4S2026-10-0430040.8740.8040.90
2026Q4S2026-07-2133040.8740.8040.90
2026Q4S2026-07-0530039.9339.7040.10
2026Q4S2026-04-2132039.9339.7040.10
2026Q4S2026-04-1330039.6739.3040.10
2026Q4S2026-04-1231039.6739.3040.10
2026Q4S2026-01-2833039.6739.3040.10
2026Q4S2026-01-2732039.4739.0040.10
2026Q4S2026-01-0430039.0038.9039.10
2026Q4S2025-11-1130139.0038.9039.10
2026Q4S2025-11-1030139.0038.9039.10
2026Q4S2025-11-0930139.0038.9039.10

Estimate history

EPS, annual2.2773.3973.0542.8455.7694.1584.994.5515.8715.6765
Period201720182019202020212022202320242025TTM
EPS, quarterly1.1851.211.3661.4561.5881.4641.4511.4791.282
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Sales, annual84.82115.414116.402117.829123.208139.266178.868199.01208.153208.75
Period201720182019202020212022202320242025TTM
Sales, quarterly51.0251.26250.98551.92852.58352.66851.42452.75451.902
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Shares, annual9.3959.4599.2528.748.5278.2868.1588.0927.8317.874
Period201720182019202020212022202320242025MRQ
Shares, quarterly8.0718.0927.9267.8087.8277.8317.8347.8687.874
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26

Income statement, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Interest Income195.42193.77184.77163.66125.93106.90104.13102.21102.31
Total Interest Expense55.1760.5264.5042.977.925.9111.9216.2110.31
Net Interest Income140.25133.25120.26120.69118.02100.9992.2186.0092.01
Loan Loss Provision3.181.132.422.347.49-10.1612.733.013.94
Net Interest Income After Loan Loss Provision137.07132.12117.85118.35110.53111.1579.4882.9888.06
Non-Interest Income13.3314.3814.2415.2113.3416.3113.7014.1913.10
Non-Interest Expense94.3388.4986.9483.3881.3966.5162.3763.0562.83
Operating Income56.0658.0245.1550.1742.4860.9430.8234.1338.34
Unusual Expense0.000.000.000.000.000.000.000.000.00
Net Income Before Taxes56.0658.0245.1850.1542.5060.4430.8133.7938.28
Income Taxes11.5811.968.769.918.4311.826.045.866.70
Consolidated Net Income44.4846.0636.4340.2434.0748.6224.7727.9331.59
Net Income From Continuing Operations44.4846.0636.4340.2434.0748.6224.7727.9331.59
Net Income44.4846.0636.4340.2434.0748.6224.7727.9331.59
EPS (Recurring)5.655.874.554.994.165.772.853.053.40
EPS (Basic, Before Extraordinaries)5.735.934.585.014.195.802.863.083.48
EPS (Diluted)5.685.874.554.994.165.772.853.053.40
Non-Operating Income (Expense)-0.010.000.03-0.030.030.00-0.010.000.00
Other After Tax Adjustments0.000.000.000.000.000.000.000.000.00
Stock Option Compensation Expense1.361.100.890.720.640.560.580.580.59
Price To Earnings Ratio10.8310.8310.248.179.837.209.7412.8410.42
Price To Sales Ratio2.492.181.861.892.362.842.073.082.85
Operating Margin26.8627.8722.6928.0530.5049.4626.1529.3233.22
Net Margin21.3122.1318.3022.5024.4739.4621.0224.0027.37
Shares Outstanding7.877.838.098.168.298.538.749.259.46
Market Capitalization478.03478.03373.20342.29331.51353.81245.06363.53335.59

Income statement, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q22025Q12024Q4
Interest Income49.7449.2247.7448.7249.2248.6347.2047.80
Total Interest Expense13.8313.4113.2614.6715.1215.2815.4516.22
Net Interest Income35.9135.8034.4834.0534.1133.3531.7531.59
Loan Loss Provision1.020.760.920.48-0.230.490.390.87
Net Interest Income After Loan Loss Provision34.9035.0433.5633.5734.3432.8631.3630.71
Non-Interest Income2.163.543.683.953.363.303.783.46
Non-Interest Expense24.2824.1722.8922.9922.1521.9921.3622.22
Operating Income12.7714.4114.3614.5215.5414.1713.7811.95
Unusual Expense0.000.000.000.000.000.000.000.00
Net Income Before Taxes12.7714.4114.3614.5215.5414.1713.7911.99
Income Taxes2.682.793.003.113.192.842.822.31
Consolidated Net Income10.1011.6211.3611.4112.3611.3310.969.67
Net Income From Continuing Operations10.1011.6211.3611.4112.3611.3310.969.67
Net Income10.1011.6211.3611.4112.3611.3310.969.67
EPS (Recurring)1.281.481.451.461.591.461.371.21
EPS (Basic, Before Extraordinaries)1.301.501.471.481.601.471.381.22
EPS (Diluted)1.281.481.451.461.591.461.371.21
Non-Operating Income (Expense)0.00-0.000.00-0.000.00-0.000.010.04
Other After Tax Adjustments0.000.000.000.000.000.000.000.00
Stock Option Compensation Expense0.360.370.310.320.290.260.230.24
Price To Earnings Ratio10.8311.5010.3110.2910.4110.859.8410.24
Price To Sales Ratio2.492.572.272.162.041.961.781.86
Operating Margin24.6127.3127.9227.5829.5627.2927.0223.31
Net Margin19.4522.0222.0921.6723.5021.8221.5018.87
Shares Outstanding7.877.877.837.837.837.817.938.09
Market Capitalization478.03537.38474.73452.47425.08403.95362.77373.20

Balance sheet, annual

Currency USD, millions
Metric2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY
Cash & Due from Banks141.6098.5575.8387.40601.44187.9539.8559.62150.42
Investments407.62431.13465.25515.21347.78283.53281.64274.03256.32
Net Loans2,710.882,685.272,550.102,401.451,819.001,946.991,696.491,633.411,642.99
Investment in Unconsolidated Affiliates0.000.000.000.000.000.000.000.000.00
Customer Liability on Acceptances0.000.000.000.000.000.000.000.000.00
Real Estate Assets1.932.011.570.461.191.304.161.560.73
Net Property, Plant & Equipment58.0552.6053.0252.5848.8050.0651.0249.4245.60
Interest Receivables14.3014.7913.5511.327.449.387.478.097.58
Deferred Tax Assets13.7117.8018.6621.236.589.276.788.268.85
Other Intangible Assets148.31146.29147.42144.42110.34109.05117.31124.14119.23
Total Assets3,496.423,448.433,325.403,234.072,942.582,597.532,204.732,158.532,231.73
Total Deposits2,972.812,780.702,670.622,633.182,535.852,213.821,820.971,773.221,866.23
Total Debt67.28246.28263.91245.0937.0439.0650.7664.2471.83
Long Term Debt62.9572.51108.3085.7532.8437.8820.9849.1262.18
Provision for Risks Charges1.622.702.602.101.801.430.000.000.00
Deferred Tax Liabilities3.794.775.275.794.335.684.274.873.61
Other Liabilities15.8217.9015.5417.9611.6515.7012.4012.1612.20
Total Liabilities3,061.333,052.352,957.952,904.122,590.682,275.691,888.401,854.491,953.86
Preferred Stock - Carrying Value0.000.000.000.000.000.000.000.000.00
Common Equity435.09396.09367.44329.95351.90321.84316.33304.04277.87
Total Shareholders Equity435.09396.09367.44329.95351.90321.84316.33304.04277.87
Accumulated Minority Interest0.000.000.000.000.000.000.000.000.00
Total Equity435.09396.09367.44329.95351.90321.84316.33304.04277.87
Total Liabilities & Stockholders Equity3,496.423,448.433,325.403,234.072,942.582,597.532,204.732,158.532,231.73
Book Value Per Share55.5648.9545.0439.8241.2736.8234.1932.1429.57
Tangible Book Value Per Share44.8438.4434.4529.2034.0029.6027.2225.1622.33
Tier 1 Capital368.94341.03312.45281.29280.79245.09240.18230.71212.68
Tier 2 Capital89.2489.8888.1284.9522.9022.1617.8716.3514.81
Full-Time Employees486471467475445----
Price to Book Ratio1.070.950.991.051.010.761.151.101.66
Return on Assets1.331.081.231.101.761.031.281.440.89
Return on Equity11.089.5411.549.9914.437.769.0010.867.35
Return on Invested Capital9.257.778.468.2012.646.888.288.954.95
Current Ratio0.060.040.040.040.280.120.040.060.13

Cash flow, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Funds from Operations52.9553.2946.5350.3450.1448.9345.6242.6051.53
Extraordinary Item0.000.000.000.000.000.000.000.000.00
Changes in Working Capital9.101.392.31-9.13-0.61-4.193.055.17-9.06
Cash from Operating Activities62.0454.6848.8541.2049.5344.7448.6747.7742.47
Capital Expenditures-9.72-10.17-4.06-2.02-7.71-2.47-2.15-13.84-5.01
Net Assets From Acquisitions0.000.000.000.00-27.300.000.000.000.00
Sale of Fixed Assets and Businesses0.000.190.250.000.080.410.010.051.05
Purchase or Sale of Investments-36.6131.3635.4364.12-176.93-78.5413.059.68-20.06
Purchase of Investments-115.94-26.04-10.510.00-238.50-167.58-91.98-68.52-78.46
Sale Or Maturity of Investments79.3457.4045.9464.1261.5789.05105.0378.2158.41
Other Uses0.000.000.000.000.000.000.000.000.00
Other Sources0.000.000.000.000.001.720.132.310.03
Cash from Investing Activities-131.66-3.05-107.22-94.35-493.6865.90-259.68-76.16-20.03
Cash Dividends Paid-9.80-8.99-8.19-8.22-7.78-7.87-7.90-7.90-6.71
Change in Capital Stock-0.25-13.63-3.76-4.83-10.63-8.52-14.00-13.06-0.21
Repurchase of Common Pref Stock-0.50-14.36-4.77-5.26-11.33-8.90-14.03-15.45-1.19
Sale of Common Pref Stock0.250.731.020.430.700.380.032.390.98
Proceedsfrom Stock Options0.000.000.000.000.000.000.000.160.07
Issuance or Reduction of Debt, Net-8.60-178.06-17.1716.50204.04-2.80-11.83-18.14-13.22
Change in Long Term Debt-8.60-178.06-17.1716.50150.15-2.80-11.83-18.14-13.22
Issuance of Long Term Debt0.033,598.901,072.8517,420.58155.000.00119.706.013.00
Reduction of Long Term Debt-8.62-3,776.96-1,090.02-17,404.08-4.85-2.80-131.53-24.15-16.22
Net Financing Active Other Cash Flow0.000.000.000.000.000.000.000.000.00
Other Financing Activities Uses-----0.00---
Cash from Financing Activities59.34-8.5781.0941.33-69.89302.85359.118.62-113.24
Net Change in Cash-10.2743.0622.72-11.57-514.04413.49148.10-19.77-90.80
Free Cash Flow52.3244.5244.7939.1846.8242.2746.5343.9337.46
Preferred Dividends (Cash Flow)-0.000.000.000.000.000.000.000.00
Price to Free Cash Flow12.2312.7610.1110.948.4010.176.319.9510.70
Federal Home Loan Advances Increase (Decrease)-6.412.93-1.95-4.050.000.662.660.00

Balance sheet, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Cash & Due from Banks179.05188.22223.48141.60189.32112.59
Investments417.62411.53388.92407.62388.12397.99
Net Loans2,740.442,744.902,694.472,710.882,673.072,731.11
Investment in Unconsolidated Affiliates0.000.000.000.000.000.00
Net Property, Plant & Equipment51.4751.5450.5058.0545.2245.22
Interest Receivables13.9414.2113.9414.3014.0414.36
Deferred Tax Assets---13.71--
Other Intangible Assets182.28180.00179.24148.31182.91188.11
Total Assets3,596.373,603.193,554.643,496.423,494.073,491.45
Total Deposits3,053.503,068.883,026.782,972.812,975.502,908.23
Total Debt54.8454.7854.7367.2863.22148.30
Long Term Debt54.8454.7854.7362.9563.2163.18
Provision for Risks Charges1.621.620.001.621.731.73
Deferred Tax Liabilities---3.79--
Other Liabilities33.3124.4428.7215.8230.5824.37
Total Liabilities3,143.273,149.743,110.233,061.333,071.033,082.64
Preferred Stock - Carrying Value0.000.000.000.000.000.00
Common Equity453.10453.46444.41435.09423.04408.82
Total Shareholders Equity453.10453.46444.41435.09423.04408.82
Accumulated Minority Interest0.000.000.000.000.000.00
Total Equity453.10453.46444.41435.09423.04408.82
Total Liabilities & Stockholders Equity3,596.373,603.193,554.643,496.423,494.073,491.45
Book Value Per Share57.5557.6356.7355.5654.0552.36
Tangible Book Value Per Share46.9747.0246.0444.8443.2941.54
Tier 1 Capital398.10389.17379.01368.94358.72346.83
Tier 2 Capital90.8990.2089.8389.2488.9889.53
Full-Time Employees---486--
Price to Book Ratio1.071.211.091.071.041.02
Return on Assets1.251.321.321.331.281.20
Return on Equity10.1510.8410.9711.0810.8610.55
Return on Invested Capital1.992.292.282.292.542.40
Current Ratio0.100.100.120.060.110.07

Cash flow, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Funds from Operations12.6014.2213.6812.4414.3913.67
Extraordinary Item0.000.000.000.000.000.00
Changes in Working Capital10.73-3.182.90-1.357.88-5.88
Cash from Operating Activities23.3311.0416.5911.0922.267.79
Capital Expenditures-0.82-1.94-2.35-4.61-0.83-0.85
Net Assets From Acquisitions0.000.000.000.000.000.00
Sale of Fixed Assets and Businesses0.000.000.000.000.000.14
Purchase or Sale of Investments-15.37-22.426.20-5.0315.0212.10
Purchase of Investments-40.71-39.31-21.53-14.39-4.26-4.48
Sale Or Maturity of Investments25.3516.9027.739.3619.2816.58
Other Uses0.000.000.000.000.000.00
Other Sources0.000.000.000.000.000.00
Cash from Investing Activities-14.65-85.6616.80-48.1573.97-3.09
Cash Dividends Paid-2.52-2.43-2.43-2.43-2.27-2.11
Preferred Dividends (Cash Flow)0.000.000.000.000.000.00
Change in Capital Stock0.05-0.31-0.030.040.64-6.63
Repurchase of Common Pref Stock-0.03-0.18-0.25-0.040.01-6.49
Sale of Common Pref Stock0.08-0.130.210.080.63-0.14
Proceedsfrom Stock Options0.000.000.000.000.000.00
Issuance or Reduction of Debt, Net0.000.00-3.02-5.57-85.14-75.06
Change in Long Term Debt0.000.00-3.02-5.57-85.14-75.06
Issuance of Long Term Debt0.000.000.000.0385.00776.45
Reduction of Long Term Debt0.000.00-3.02-5.60-170.14-851.51
Net Financing Active Other Cash Flow0.000.000.000.000.000.00
Other Financing Activities Uses0.000.000.00---
Cash from Financing Activities-17.8539.3648.49-10.66-19.50-2.77
Net Change in Cash-9.17-35.2681.88-47.7276.731.93
Free Cash Flow22.519.1114.236.4721.436.95
Price to Free Cash Flow12.2312.9111.9012.6812.0112.94

Revenue breakdown

Savings Institutions, Not Federally Chartered2024: 134.89M 2025: 148.72M
United States2024: 134.89M 2025: 148.72M

Short interest

shares short against float, oldest to newest
SettlementOf floatShares shortFloatAvg volume
2026-10-304.50%0.3M6.8M76.90K
2026-10-154.77%0.3M6.9M81.94K
2026-09-304.51%0.3M6.9M86.51K
2026-09-154.62%0.3M6.9M95.36K
2026-08-314.12%0.3M6.9M95.71K
2026-08-144.11%0.3M6.9M92.84K
2026-07-314.54%0.3M6.9M92.60K
2026-07-154.59%0.3M6.9M87.54K
2026-06-305.19%0.4M6.9M101.49K
2026-06-151.95%0.1M6.9M105.19K
2026-05-292.09%0.1M6.9M112.47K
2026-05-152.05%0.1M6.9M111.21K
2026-04-302.02%0.1M6.9M107.96K
2026-04-151.80%0.1M6.7M96.11K
2026-03-311.55%0.1M6.7M74.31K
2026-03-131.56%0.1M6.7M48.71K
2026-02-271.27%0.1M6.7M35.19K
2026-02-131.26%0.1M6.7M30.94K
2026-01-301.32%0.1M6.7M24.37K
2026-01-151.31%0.1M7.0M23.99K

Option chain

expiry 2026-11-20
TypeStrikeBidAskLastIVOpen intVolumeDeltaThetaVega
call35.0024.6029.000.003.6660.000.000.975-0.0570.006
call40.0020.0024.000.003.0070.000.000.873-0.3080.021
call45.0014.5019.000.002.4170.000.000.843-0.2860.024
call50.009.7014.000.001.8720.000.000.802-0.2560.028
call55.004.509.007.501.3490.000.000.737-0.2160.033
call60.000.153.003.000.5495.000.000.608-0.1340.039
call65.000.004.900.001.1000.000.000.405-0.2080.039
call70.000.004.900.751.4875.000.000.341-0.2800.037
call75.000.004.900.001.8050.000.000.301-0.3230.035
call80.000.004.900.002.0800.000.000.274-0.3560.034
call85.000.004.900.002.3230.000.000.255-0.3830.032
call90.000.001.350.001.9510.000.000.151-0.2350.024
call95.000.004.900.002.1290.000.000.142-0.2460.023
call1000.001.350.002.2940.000.000.135-0.2550.022
call1050.004.900.002.4460.000.000.129-0.2640.021
put35.000.000.200.004.7730.000.00-0.133-0.5200.022
put40.000.004.900.002.8930.000.00-0.127-0.3070.021
put45.000.004.900.002.3200.000.00-0.156-0.2840.024
put50.000.004.900.001.7910.000.00-0.198-0.2540.028
put55.000.004.900.001.2810.000.00-0.263-0.2130.033
put60.000.002.300.000.7510.000.00-0.391-0.1310.039
put65.001.505.503.450.8386.000.00-0.594-0.2050.039
put70.006.5010.500.001.2060.000.00-0.659-0.2760.037
put75.0011.5015.500.001.5070.000.00-0.699-0.3180.035
put80.0016.5020.500.001.7680.000.00-0.725-0.3510.034
put85.0021.5025.400.001.9650.000.00-0.744-0.3770.032
put90.0026.5030.500.002.2090.000.00-0.848-0.2290.024
put95.0031.5035.500.002.4000.000.00-0.857-0.2390.023
put10036.5040.500.002.5760.000.00-0.865-0.2480.022
put10541.5045.500.002.7390.000.00-0.871-0.2560.021

Latest SEC filings

30
FiledFormDescriptionPeriodLink
2026-11-0410-QQuarterly report pursuant to Section 13 or 15(d)2026-09-30SEC
2026-10-198-KCurrent report2026-10-19SEC
2026-10-058-KCurrent report2026-10-05SEC
2026-08-273Initial statement of beneficial ownership of securities2026-08-17SEC
2026-08-194Statement of changes in beneficial ownership of securities2026-08-18SEC
2026-08-18144Filing for proposed sale of securities under Rule 144.SEC
2026-08-0310-QQuarterly report pursuant to Section 13 or 15(d)2026-06-30SEC
2026-07-274Statement of changes in beneficial ownership of securities2026-07-24SEC
2026-07-24144Filing for proposed sale of securities under Rule 144.SEC
2026-07-208-KCurrent report2026-07-20SEC
2026-07-068-KCurrent report2026-07-02SEC
2026-06-268-KCurrent report2026-06-26SEC
2026-06-2611-KAnnual reports of employee stock purchase, savings and similar plans pursuant to Section 15(d)2025-12-31SEC
2026-06-154Statement of changes in beneficial ownership of securities2026-06-12SEC
2026-06-154Statement of changes in beneficial ownership of securities2026-06-12SEC
2026-06-154Statement of changes in beneficial ownership of securities2026-06-12SEC
2026-06-154Statement of changes in beneficial ownership of securities2026-06-12SEC
2026-06-154Statement of changes in beneficial ownership of securities2026-06-12SEC
2026-06-154Statement of changes in beneficial ownership of securities2026-06-12SEC
2026-06-154Statement of changes in beneficial ownership of securities2026-06-12SEC
2026-06-154Statement of changes in beneficial ownership of securities2026-06-12SEC
2026-05-228-KCurrent report2026-05-20SEC
2026-05-214Statement of changes in beneficial ownership of securities2026-05-21SEC
2026-05-184Statement of changes in beneficial ownership of securities2026-05-15SEC
2026-05-148-KCurrent report2026-05-12SEC
2026-05-13144Filing for proposed sale of securities under Rule 144.SEC
2026-05-134Statement of changes in beneficial ownership of securities2026-05-12SEC
2026-05-134Statement of changes in beneficial ownership of securities2026-05-12SEC
2026-05-134Statement of changes in beneficial ownership of securities2026-05-12SEC
2026-05-134Statement of changes in beneficial ownership of securities2026-05-12SEC

Insider activity by month

MonthBoughtBuysSoldSells
2026-110000
2026-100000
2026-090000
2026-080053.76K1
2026-070055.51K1
2026-060000
2026-0500238.99K5
2026-0400120.08K2
2026-030000
2026-0229.75K100
2026-010000
2025-120000
2025-110000

Institutional holders

Manager% owned
BlackRock, Inc.6.25%
DIMENSIONAL FUND ADVISORS LP5.73%
STATE STREET CORP4.40%
VANGUARD CAPITAL MANAGEMENT LLC3.78%
AMERICAN CENTURY COMPANIES INC2.79%
GEODE CAPITAL MANAGEMENT, LLC2.31%
AQR CAPITAL MANAGEMENT LLC2.15%
TWO SIGMA INVESTMENTS, LP1.60%
HOTCHKIS & WILEY CAPITAL MANAGEMENT LLC1.46%
VANGUARD PORTFOLIO MANAGEMENT LLC1.33%

Funds

Fund% owned
VANGUARD TOTAL STOCK MARKET INDEX FUND2.68%
iShares Russell 2000 ETF2.61%
Avantis U.S. Small Cap Value ETF2.56%
State Street(R) SPDR(R) S&P(R) Regional Banking ETF2.04%
U.S. SMALL CAP VALUE PORTFOLIO1.26%
VANGUARD EXTENDED MARKET INDEX FUND1.02%
Fidelity Small Cap Index Fund0.98%
iShares Russell 2000 Value ETF0.93%
EA Bridgeway Omni Small-Cap Value ETF0.67%
U.S. Targeted Value Portfolio0.66%

OakChart. HBCP. Cached 15 minutes.