Compared to Estimates, Home Bancorp (HBCP) Q3 Earnings: A Look at Key Metrics
Home Bancorp (HBCP) reported $33.91 million in revenue for the quarter ended September 2023, representing a year-over-year decline of 4.4%. EPS of $1.22 for the same period compares to $1.28 a year ago.
The reported revenue represents a surprise of +2.86% over the Zacks Consensus Estimate of $32.97 million. With the consensus EPS estimate being $1.02, the EPS surprise was +19.61%.
While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
Here is how Home Bancorp performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
Efficiency Ratio: 62.9% versus 65.1% estimated by three analysts on average.
Net Interest Margin: 3.8% versus the three-analyst average estimate of 3.8%.
Annualized YTD net loan recoveries (charge-offs) to average loans: 0% compared to the 0.1% average estimate based on two analysts.
Total Average Interest-Earning Assets: $3.09 billion versus the two-analyst average estimate of $3.07 billion.
Total nonperforming assets: $12.31 million versus $13.11 million estimated by two analysts on average.
Total nonperforming loans: $11.95 million compared to the $12.71 million average estimate based on two analysts.
Total Noninterest Income: $4.40 million versus $3.83 million estimated by three analysts on average.
Net Interest Income: $29.51 million compared to the $29.37 million average estimate based on three analysts.
View all Key Company Metrics for Home Bancorp here>>>
Shares of Home Bancorp have returned +0.5% over the past month versus the Zacks S&P 500 composite's -1.6% change. The stock currently has a Zacks Rank #4 (Sell), indicating that it could underperform the broader market in the near term.
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Home Bancorp, Inc. (HBCP) : Free Stock Analysis Report
