Profitability
Weight: 25%
C
56
Scored using ROA (NIM proxy) — financial-archetype substitution.
- 5yr Avg ROA 1.2%
- Operating Margin Trend -5.04 pp/yr
HBCP
Home Bancorp, Inc.
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 20%
B+
77
Scored using ROTCE — financial-archetype substitution.
- 5yr Avg ROTCE 11.7%
- 5yr Share-Count CAGR -1.8%
Growth Quality
Weight: 10%
B
73
Scored using BVPS — financial-archetype substitution.
- 5yr BVPS CAGR 16.5%
- 5yr EPS CAGR 0.4%
- Positive-EPS Years (5) 5/5
Cash Generation
Weight: 5%
A+
98
Scored using OCF/NI — banks have no FCF concept.
- 5yr OCF/NI 1.24x
Balance Sheet
Weight: 30%
B-
65
Scored using Equity/Assets — financial-archetype substitution.
- Equity / Assets 12.5%
- Interest Coverage (EBIT/Int) 0.96x
Stability
Weight: 10%
B+
76
- EPS Volatility (σ/μ) 0.38
- Piotroski F-Score 9
- Negative-Revenue Years (5) 0/5
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.Not enough curated-guru data to call a flow.
- Wood new