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Data quality: 83%
HBCP
NASDAQ Financial Services Depository Institutions
$62.85
▼ $1.36 (-2.12%)
6 months return
—
Momentum
Neutral
1Y earnings growth
26.45%

Growth

Revenue Growth (5Y)
N/A
Revenue (1Y)N/A
Earnings (1Y)26.45%
FCF Growth (3Y)6.18%

Quality

Return on Equity
11.07%
Above sector avg (9.21%)
ROICN/A
Net MarginN/A
Op. MarginN/A

Safety

Debt / Equity
N/A
Current RatioN/A
Interest CoverageN/A

Valuation

PE (TTM|NTM|2027)
11.13 | 10.45 | 10.64
Below sector avg (11.13)
P/B Ratio1.21
EV/EBITDAN/A
Dividend Yield1.80%

Quick Summary

Key Takeaways

Short bullets derived from reported financials—not the AI summary above.

Earnings grew 26.45% over the past year
ROE of 11.07% — decent returns on equity
Generating 44.34 M in free cash flow
P/E of 11.13 — trading at a low valuation
Cash machine — converts 96.27% of earnings into free cash flow
12 consecutive years of dividends — reliable payer

Price History

Financial Trends

Analyst Price Target

4 analysts
Buy
+4.4%
upside to target
Current
$62.85
Consensus Target
$65.63
$62.00
Low
$69.00
High
Forecast
Forward P/E
10.45
Forward EPS
$6.15
EPS Growth (est.)
+5.2%
Est. Revenue
143.00 M

Earnings Surprises

EPS
Reported Estimate Forecast
Next: Q1 2026 · EPS Est: $1.39 · Rev Est: 33.40 M
Q12025 Q22025 Q32025 Q42025 Q1 '26 Q2 '26
Reported $1.37 $1.45 $1.59 $1.46 — —
Estimate $1.14 $1.22 $1.36 $1.39 $1.39 $1.44
Surprise +19.83% +18.85% +16.91% +4.85% — —

Growth

Rev 5Y: N/A · Earnings 1Y: 26.45%
Revenue Growth (1Y) N/A Revenue Growth (3Y) N/A
Earnings Growth (1Y) 26.45% Earnings Growth (3Y) 6.99%
Revenue Growth (5Y) N/A Earnings Growth (5Y) -1.34%

Profitability

ROE: 11.07% · Net Margin: N/A
Revenue (TTM) N/A Net Income (TTM) 46.06 M
ROE 11.07% ROA 1.32%
Gross Margin N/A Operating Margin N/A
Net Margin N/A Free Cash Flow (TTM) 44.34 M
ROIC N/A FCF Growth (3Y) 6.18%

Safety

D/E: N/A · Current: N/A
Debt / Equity N/A Current Ratio N/A
Interest Coverage N/A Asset Turnover N/A
Working Capital N/A Tangible Book Value 423.04 M

Dividends

Yield: 1.80% · Payout: 20.10%
Dividend Yield 1.80% Payout Ratio 20.10%
Dividend Growth (3Y) 7.02% Dividend Growth (5Y) 5.31%
Consecutive Div Years 12 yrs

Valuation

P/E: 11.13 · EV/EBITDA: N/A
P/E Ratio 11.13 Forward P/E 10.45
P/B Ratio 1.21 P/S Ratio N/A
PEG Ratio N/A Forward PEG 2.02
EV/EBITDA N/A Fwd EV/EBITDA N/A
Forward P/S 3.58 Fwd Earnings Yield 9.57%
FCF Yield 8.65%
Market Cap 512.49 M Enterprise Value 512.49 M

Per Share

EPS: 5.87 · FCF/Share: 5.66
EPS (Diluted TTM) 5.87 Revenue / Share N/A
FCF / Share 5.66 OCF / Share 6.95
EPS CAGR (1Y) 29.01% EPS CAGR (5Y) 0.43%
EPS CAGR (10Y) 11.24%

Efficiency

FCF Conv: 96.27% · CapEx/Rev: N/A
CapEx / Revenue N/A FCF Conversion 96.27%
SBC-Adj. FCF 41.17 M Growth Momentum N/A

Income Statement

Annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Revenue — — — — —
Net Income 46.06 M 36.43 M 40.24 M 34.07 M 48.62 M
EPS (Diluted) 5.87 4.55 4.99 4.16 5.77
Gross Profit — — — — —
Operating Income — — — — —
EBITDA — — — — —
R&D Expenses — — — — —
SG&A Expenses — — — — —
D&A — — — — —
Interest Expense 133.25 M 120.26 M 42.97 M 7.92 M 5.91 M
Income Tax 11.96 M 8.76 M 9.91 M 8.43 M 11.82 M

Balance Sheet

Annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Total Assets 3.49 B 3.44 B 3.32 B 3.23 B 2.94 B
Total Liabilities 3.06 B 3.05 B 2.95 B 2.90 B 2.59 B
Shareholders' Equity 435.09 M 396.09 M 367.44 M 329.95 M 351.90 M
Total Debt — — — — —
Cash & Equivalents — — — — —
Current Assets — — — — —
Current Liabilities — — — — —

Peer Comparison

vs Financial Services sector median (6628 peers)
Metric Stock Sector Median
P/E 11.1 11.1
P/B 1.2 1.2
ROE % 11.1 9.2
Net Margin % — 9.4
Rev Growth 5Y % — 5.8
D/E — 0.5

ETFs Holding This Stock
ERNZ logo ERNZ TRUESHARES ACTIVE YIELD ETF
0.73% weight
SQLV logo SQLV Royce Quant Small-Cap Quality Value ETF
0.23% weight
QABA logo QABA First Trust NASDAQ ABA Community Bank Index Fund
0.22% weight
HWVIX HWVIX
0.22% weight
HWVAX HWVAX
0.22% weight
HWVZX HWVZX
0.22% weight
BOSVX BOSVX
0.13% weight
BSVO logo BSVO EA Bridgeway Omni Small-Cap Value ETF
0.13% weight
GMSMX GMSMX
0.06% weight
GISMX GISMX
0.06% weight

Dividend History

Yield

1.80%

Payout ratio

20.10%

Growth (3Y)

7.02%

Growth (5Y)

5.31%

Recent per-share payments (most recent first).

Ex-dividend Payment Amount / share
Feb 09, 2026 — $0.31
Nov 03, 2025 — $0.31
Aug 04, 2025 — $0.29
May 05, 2025 — $0.27
Feb 10, 2025 — $0.27
Oct 28, 2024 — $0.26
Jul 29, 2024 — $0.25
Apr 26, 2024 — $0.25
Feb 02, 2024 — $0.25
Oct 27, 2023 — $0.25
Jul 28, 2023 — $0.25
Apr 28, 2023 — $0.25

Strategy Scores

1 strategy matched
Dividend Dividend Growth
#169 of 176
17

Recent Activity

Entered Dividend Growth
Apr 12, 2026