#USA #financial results #quarterly dividend #Lafayette #Home Bancorp

Home Bancorp, Inc. Reports Strong Q3 2025 Earnings

On October 20, 2025, Home Bancorp, Inc. (Nasdaq: HBCP) announced its robust financial results for the third quarter of 2025, highlighting a significant increase in its quarterly dividend by 7%. The company generated a net income of $12.4 million for the quarter, translating to $1.59 per diluted share, which is an increase from the previous quarter's $1.45.

John W. Bordelon, the President and CEO of Home Bancorp, expressed satisfaction with the company’s performance, stating, "Our third quarter results reflect continued strength and stability of the Company." He noted that despite a slight slowdown in loan production, deposit growth was encouraging, which enabled them to achieve their target loan-to-deposit ratio of 91%.

Third Quarter Highlights

• - Loans: Home Bancorp's loans decreased to $2.7 billion, marking a 2.1% decline from the previous quarter. Specific segments showed varied performance:

- One-to-four-family first mortgages decreased by 3%.
- Home equity loans and lines rose by 7%.
- Commercial real estate loans fell by about 4%.

• - Deposits: Total deposits rose to $3.0 billion, representing a 2.3% increase from the second quarter, indicating a positive trend in customer engagement.

• - Net Interest Income & Margin: The net interest income for the quarter stood at $34.1 million, up 2% from the prior quarter, with a net interest margin of 4.10%, slightly up from 4.04%.

Credit Quality Concerns

Home Bancorp’s overall credit metrics indicated a rise in nonperforming and criticized loans totaling $30.9 million, or 0.88% of total assets. While this highlights challenges in credit quality, the company does not foresee any significant losses, reiterating its focus on addressing potential loan issues proactively.

Future Outlook

The increased dividend payout to $0.31 per share is scheduled for November 14, 2025, and reflects the company's strong earnings and commitment to providing returns for its shareholders. Additionally, Home Bancorp has repurchased 100 shares during this quarter, with 390,972 shares remaining eligible for repurchase under the current plan.

Conference Call

For investors and analysts seeking further insights into the quarter's performance, a conference call is set for October 21, 2025. Interested parties can access the discussions by dialing the toll-free number provided, and presentations related to the financial results will be made available on the company's investor relations website.

In summary, Home Bancorp, Inc.'s solid financial performance in Q3 rebalance indicates resilience and confidence in maintaining growth and shareholder value amidst a fluctuating economic landscape.