Home Bancorp, Inc. (HBCP) Q3 FY2026 earnings

Reported results

• GAAP net income was $10.1 million for Q3 2026, compared to $11.6 million for Q2 2026 and $12.4 million for Q3 2025.
• GAAP diluted EPS was $1.28 for Q3 2026, compared to $1.48 for Q2 2026 and $1.59 for Q3 2025.
• Net interest income was $35.9 million for Q3 2026, up $110,000 from $35.8 million in Q2 2026; net interest margin (GAAP) was 4.19% for Q3 2026 compared to 4.24% in Q2 2026.
• Nonperforming assets totaled $53.7 million, or 1.49% of total assets, at September 30, 2026, up $14.5 million from $39.2 million, or 1.09% of total assets, at June 30, 2026.
• Loans totaled $2.8 billion at September 30, 2026, down $4.0 million from June 30, 2026; deposits totaled $3.1 billion, down $15.4 million from June 30, 2026.
• Non-GAAP tangible common equity ratio was 10.53% at September 30, 2026 compared to 10.51% at June 30, 2026; non-GAAP return on average tangible common equity was 10.86% for Q3 2026 compared to 12.88% for Q2 2026.

Guidance

• The Company declared a quarterly cash dividend of $0.32 per share payable on November 13, 2026.

Notes

The release contains non-GAAP reconciliation for tangible income, tangible assets, tangible shareholders’ equity, return on average tangible common equity, and tangible common equity ratio. The company noted six loan relationships totaling $19.5 million were placed on nonaccrual status during Q3 2026, with management indicating it does not anticipate sizable losses from these relationships.

Price and volatility reaction

Source

The figures above come from the earnings release the company filed with the SEC on 2026-10-19 (8-K, Item 2.02). Read the original filing on sec.gov.