Home Bancorp, Inc. Financial Ratios — HBK Stock

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	3.85	6.66	5.15	6.67	7.86	9.28	7.35	10.86	9	7.76	14.43	9.99	11.54	9.54	11.08
Return on Assets (%)	0.62	0.95	0.75	0.9	0.91	1.03	0.89	1.44	1.28	1.03	1.76	1.11	1.23	1.08	1.33
Return on Capital (%)	2.75	4.42	3.42	4.48	5.1	5.44	5.19	8.8	7.64	6.89	13.15	7.18	6.79	5.82	8.19
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	19.54	28.17	23.03	25.46	30.36	32.04	37.68	36.31	33.65	28.92	51.54	32.22	37.06	33.5	39.01
Profit Margin (%)	12.9	18.77	15.23	16.67	19.82	21.76	21.62	29.96	27.82	23.25	41.46	25.83	29.74	27.01	30.97
Net Income to Common Margin (%)	12.9	18.77	15.23	16.67	19.82	21.76	21.62	29.96	27.82	23.25	41.46	25.83	29.74	27.01	30.97
Effective Tax Rate (%)	33.98	33.38	33.87	34.53	34.71	32.1	42.61	17.49	17.34	19.61	19.55	19.83	19.75	19.38	20.61
Dvd Payout Ratio (%)	- -	- -	- -	5.05	17.23	18.67	24.19	21.23	28.28	31.91	16.18	22.83	20.43	22.48	19.51
Sustainable Growth Rate (%)	3.85	6.66	5.15	6.33	6.51	7.55	5.57	8.55	6.46	5.28	12.1	7.71	9.18	7.4	8.92

Credit (USD)

Credit Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	94	46	97	48	125	119	72	64	46	34	32	236	252	236	58
ST Debt	53	10	87	31	40	40	4	- -	- -	- -	- -	155	150	137	- -
LT Debt	41	36	10	17	85	79	68	64	46	34	32	81	102	98	58
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	13.93	14.7	14.42	12.62	10.64	11.55	12.47	14.12	14.38	12.42	11.98	10.22	11.07	11.5	12.46
Long-Term Debt/Equity (%)	30.52	25.61	7.05	10.7	51.63	43.67	24.54	21.13	14.59	10.68	8.98	24.48	27.89	24.82	13.26
Long-Term Debt/Capital (%)	17.98	19.3	4.19	8.18	29.36	26.32	19.5	17.44	12.73	9.65	8.24	14.28	16.53	15.57	11.71
Long-Term Debt/Total Assets (%)	4.25	3.77	1.02	1.35	5.49	5.04	3.06	2.98	2.1	1.33	1.07	2.5	3.09	2.86	1.65
Total Debt/Equity (%)	69.72	32.67	68.35	30.82	75.83	65.91	25.85	21.13	14.59	10.68	8.98	71.45	68.72	59.47	13.26
Total Debt/Capital (%)	41.08	24.63	40.6	23.56	43.13	39.73	20.54	17.44	12.73	9.65	8.24	41.68	40.73	37.29	11.71
Total Debt/Total Assets (%)	9.71	4.8	9.86	3.89	8.06	7.61	3.22	2.98	2.1	1.33	1.07	7.3	7.6	6.84	1.65
Net Debt to Equity	41.9	2.25	43.28	8.37	57.69	48.56	-29.16	1.21	1.85	-47.83	-162.04	44.86	48.05	34.59	-19.28
Net Debt/Capital (%)	29.53	2.2	30.21	7.72	36.58	32.69	-41.15	1.2	1.82	-91.68	261.2	30.97	32.46	25.7	-23.89
EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	13.93	14.7	14.42	12.62	10.64	11.55	12.47	14.12	14.38	12.42	11.98	10.22	11.07	11.5	12.46
Long-Term Debt/Equity (%)	30.52	25.61	7.05	10.7	51.63	43.67	24.54	21.13	14.59	10.68	8.98	24.48	27.89	24.82	13.26
Long-Term Debt/Capital (%)	17.98	19.3	4.19	8.18	29.36	26.32	19.5	17.44	12.73	9.65	8.24	14.28	16.53	15.57	11.71
Long-Term Debt/Total Assets (%)	4.25	3.77	1.02	1.35	5.49	5.04	3.06	2.98	2.1	1.33	1.07	2.5	3.09	2.86	1.65
Total Debt/Equity (%)	69.72	32.67	68.35	30.82	75.83	65.91	25.85	21.13	14.59	10.68	8.98	71.45	68.72	59.47	13.26
Total Debt/Capital (%)	41.08	24.63	40.6	23.56	43.13	39.73	20.54	17.44	12.73	9.65	8.24	41.68	40.73	37.29	11.71
Total Debt/Total Assets (%)	9.71	4.8	9.86	3.89	8.06	7.61	3.22	2.98	2.1	1.33	1.07	7.3	7.6	6.84	1.65
CFO/Total Liabilities	2.11	1.38	2.53	2.61	2.61	1.49	1.27	2.55	2.33	2.16	2.15	1.77	1.4	1.6	1.78
CFO/CapEx	14.81	7.81	15.8	8.44	43.64	4.98	12.93	9.41	11.44	22.84	22.54	18.92	20.45	12.01	5.36
Altman's Z-Score	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	1.57	1.75	1.92	1.87	1.44	1.7	2.15	2.65	2.34	2.59	2.89	2.31	- -	- -	- -
Days Sales Outstanding	231.8	208.37	190.08	195.51	253.03	215.33	169.65	137.96	155.8	140.88	126.27	158.2	- -	- -	- -
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	369	460
- Cash & Cash Equivalents	37	43	36	35	30	31	153	61	40	188	602	88	76	99	142
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	94	46	97	48	125	119	72	64	46	34	32	236	252	236	58
Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	103	337
Total Capital	228	188	239	202	290	298	350	368	362	356	383	566	620	632	493
Total Debt/Capital (%)	41.08	24.63	40.6	23.56	43.13	39.73	20.54	17.44	12.73	9.65	8.24	41.68	40.73	37.29	11.71
Total Debt / EV	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.28	0.17
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.76	2.27
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.12	6.18
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.31	7.6
Diluted Market Cap	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	365	461
Diluted Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	99	338
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	12.75	43.04
TTM Sales	40	49	48	59	63	74	78	105	100	107	117	132	135	135	149
TTM EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	18	11	21	28	36	20	25	47	44	49	56	51	41	49	55
TTM Free Cash Flow to Firm	16	10	20	25	35	16	23	42	40	47	53	48	39	45	44

Multiples (USD)

Valuation Multiples API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	8.17	10.39
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	103	337
Low Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	38.92	41.61
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.76	2.27
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	9.96	9.91
Price/Earnings Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	9.95	8.68
Price/Earnings High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	11.27	10.39
Price/Earnings Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	8.5	7.02
Price/Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.93	1.06
Price/Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.93	0.93
Price/Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.05	1.11
Price/Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.8	0.75
Price/Tangible Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.19	1.31
Price/Tangible Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.19	1.15
Price/Tangible Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.34	1.37
Price/Tangible Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.01	0.93
Price/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.69	3.07
Price/Sales Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.69	2.69
Price/Sales High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	3.04	3.22
Price/Sales Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.3	2.17
Price/Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	7.44	8.38
Price/Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	7.44	7.33
Price/Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	8.42	8.78
Price/Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	6.35	5.93
Price/Free Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	8.16	9.1
Price/Free Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	9.24	10.89
Price/Free Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	6.97	7.36
EV/Sales Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.76	1.88
EV/Sales High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.12	2.41
EV/Sales Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.36	1.36
EV/EBITDA Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	45.6	58.75
High Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	51.58	61.56
Enterprise Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	103	280
Enterprise Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	152	359
Enterprise Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	49	203

Per Share Data Items (USD)

Per-Share Data API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Shares Outstanding	7	7	7	7	7	7	9	9	9	8	8	8	8	8	8
Diluted Weighted Avg Shares	7	7	7	7	7	7	7	9	9	9	8	8	8	8	8
Basic Weighted Avg Shares	7	7	7	7	7	7	7	9	9	9	8	8	8	8	8
Revenue per Share	5.58	7.09	7.29	9.06	9.43	10.75	10.94	11.62	11.07	12.28	13.99	16.2	16.86	16.95	19.13
EBITDA per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.72	1.33	1.11	1.51	1.87	2.34	2.37	3.48	3.08	2.85	5.8	4.19	5.01	4.58	5.93
Basic EPS from Cont Ops	0.72	1.33	1.11	1.51	1.87	2.34	2.37	3.48	3.08	2.85	5.8	4.19	5.01	4.58	5.93
Diluted EPS, GAAP	0.71	1.28	1.06	1.42	1.79	2.25	2.28	3.4	3.05	2.85	5.77	4.16	4.99	4.55	5.87
Diluted EPS from Cont Ops	0.71	1.28	1.06	1.42	1.79	2.25	2.28	3.4	3.05	2.85	5.77	4.16	4.99	4.55	5.87
Dividend per Share	- -	- -	- -	0.08	0.32	0.44	0.57	0.74	0.87	0.91	0.94	0.96	1.02	1.03	1.16
Cash Flow per Share	2.46	1.64	3.24	4.27	5.39	2.99	3.48	5.19	4.84	5.65	6.65	6.29	5.15	6.13	7.01
Free Cash Flow per Basic Share	2.3	1.43	3.03	3.76	5.27	2.39	3.21	4.64	4.42	5.4	6.35	5.96	4.9	5.62	5.7
Cash & Equivalents per Share	26.89	29.13	28.18	31.57	30.47	31.01	43.04	35.2	33.29	52.35	112.17	69.31	11.27	61.96	23.08
Book Value per Share	18.75	20.59	21.59	23.24	24.33	25.95	30.83	33.37	35.38	38.03	42.47	39.82	45.04	48.95	55.56
Tangible Book Value per Share	18.75	20.59	21.59	23.24	24.33	24.11	23.29	26.12	28.17	30.57	34.99	29.2	34.45	38.44	44.84