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HOME BANCORP, INC.

HBCP

$71.87 ▼ -0.11 (-0.15%) at close

18 Visible periods

34 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Excellent

Bullish

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Analytical Summary

HOME BANCORP, INC. shows strong fundamentals with top-quartile Profit Margin (%) and Operating Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $558.6M

Dividend Yield 1.59%

Revenue Growth 10.3% ↗

Op. Margin 39.0% ↗

ROIC None

FCF / Share None

Trailing P/E 12.1x

Price / Book 1.3x

FCF Yield —

Debt / Equity —

info Valuation on last close. End-of-day price, Aug 7, 2026.

18-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$148.72M

↑ +10.3% —

Net Income Profit after all expenses

$46.06M

↑ +26.5% —

Operating Margin Operating profit as % of sales

39.0%

↑ +16.5% 93th

trending_up

Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↓

Returns ↓

Dividend History

Dividend / share · sourced from SEC filings

$1.14 Latest / share

+12.9% YoY

+28.9% 12-yr CAGR

$0.07

FY 2014

$0.30

FY 2015

$0.41

FY 2016

$0.55

FY 2017

$0.71

FY 2018

$0.84

FY 2019

$0.88

FY 2020

$0.91

FY 2021

$0.93

FY 2022

$1.00

FY 2023

$1.01

FY 2024

$1.14

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue Growth YoY (%)	10.3% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+71%)	-0.3% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-105%)	2.6% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-57%)	12.5% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+108%)	10.1% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+68%)	6.1% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: At sector avg	-4.8% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-180%)	35.5% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+492%)	5.8% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: At sector avg	16.2% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+170%)	6.9% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+15%)	23.7% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+294%)	-2.2% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-137%)	22.4% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+274%)	24.0% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+299%)	25.8% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+331%)	—	—
EPS Growth YoY (%)	29.5% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-8.8% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	19.8% Good ↓ Good Declining Year-over-year change in earnings per share Optimal: > 10%	-27.8% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	102.8% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-7.1% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-11.5% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	47.5% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	0.9% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	25.1% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	23.8% Good ↓ Good Declining Year-over-year change in earnings per share Optimal: > 10%	36.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-16.5% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	84.7% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	16.1% Good Good Year-over-year change in earnings per share Optimal: > 10%	6.9% Fair Fair Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	26.5% Excellent ↑ Excellent Improving Year-over-year change in net income	-9.5% Weak ↓ Weak Declining Year-over-year change in net income	18.1% Good → Good Stable Year-over-year change in net income	-29.9% Weak ↓ Weak Declining Year-over-year change in net income	96.3% Excellent ↑ Excellent Improving Year-over-year change in net income	-11.3% Weak ↓ Weak Declining Year-over-year change in net income	-11.6% Weak ↓ Weak Declining Year-over-year change in net income	87.8% Excellent ↑ Excellent Improving Year-over-year change in net income	5.1% Fair ↓ Fair Declining Year-over-year change in net income	27.6% Excellent ↑ Excellent Improving Year-over-year change in net income	27.1% Excellent ↓ Excellent Declining Year-over-year change in net income	35.3% Excellent ↑ Excellent Improving Year-over-year change in net income	-20.6% Weak ↓ Weak Declining Year-over-year change in net income	79.5% Excellent ↑ Excellent Improving Year-over-year change in net income	9.2% Fair Fair Year-over-year change in net income	0.2% Caution Caution Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	4.1% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	4.8% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	8.3% Fair → Fair Stable Compound annual revenue growth over 3 years	9.5% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	3.6% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	11.0% Good ↓ Good Declining Compound annual revenue growth over 3 years	10.9% Good ↓ Good Declining Compound annual revenue growth over 3 years	18.5% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	9.5% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	15.4% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	8.9% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	14.0% Good ↓ Good Declining Compound annual revenue growth over 3 years	14.1% Good Good Compound annual revenue growth over 3 years	24.1% Excellent Excellent Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	6.9% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	6.1% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	5.1% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	11.1% Good → Good Stable Compound annual revenue growth over 5 years	9.8% Good ↓ Good Declining Compound annual revenue growth over 5 years	11.0% Good ↓ Good Declining Compound annual revenue growth over 5 years	11.1% Good ↓ Good Declining Compound annual revenue growth over 5 years	17.1% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	9.7% Good ↓ Good Declining Compound annual revenue growth over 5 years	13.0% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	14.4% Excellent Excellent Compound annual revenue growth over 5 years	18.2% Excellent Excellent Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	12.3% Good ↑ Good Improving Compound annual EPS growth over 3 years	-7.6% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	20.6% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	10.8% Good ↓ Good Declining Compound annual EPS growth over 3 years	18.6% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	6.6% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	9.6% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	23.0% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	16.0% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	28.2% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	12.0% Good ↓ Good Declining Compound annual EPS growth over 3 years	28.0% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	21.4% Excellent Excellent Compound annual EPS growth over 3 years	31.9% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Operating Margin (%) (%)	39.0% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+56%)	33.5% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+34%)	37.1% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+48%)	32.2% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+29%)	51.5% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+106%)	28.9% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+16%)	33.7% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+35%)	36.3% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+45%)	37.7% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+51%)	32.0% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+28%)	30.4% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+21%)	25.5% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	23.0% Good Good Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-8%)	28.2% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+13%)	—	—	—	—
Effective Tax Rate (%) (%)	20.6% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.4% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.8% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.8% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.6% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.6% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	17.3% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	17.5% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	42.6% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	32.1% Weak ↓ Weak Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	34.7% Weak → Weak Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	34.5% Weak → Weak Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	33.9% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	33.4% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—
Profit Margin (%) (%)	31.0% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+41%)	27.0% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+23%)	29.7% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+35%)	25.8% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+17%)	41.5% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+88%)	23.3% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+6%)	27.8% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+26%)	30.0% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+36%)	21.6% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	21.8% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	19.8% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-10%)	16.7% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-24%)	15.2% Good → Good Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-31%)	18.8% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-15%)	12.8% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-42%)	14.5% Fair Fair Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-34%)	18.2% Good Good Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-17%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	1.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.2% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.7% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.5% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	—	0.8% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.7% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.5% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.7% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	10.6% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-12%)	9.2% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-23%)	11.0% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-9%)	10.3% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-14%)	13.8% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+15%)	7.7% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-36%)	8.8% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-26%)	10.4% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-13%)	6.1% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-50%)	8.9% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-26%)	7.6% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-37%)	6.4% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-47%)	5.1% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-57%)	6.5% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-46%)	3.8% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-68%)	3.6% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-70%)	3.5% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-71%)	—

⚖️ Is the balance sheet risky? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue per Share (USD)	$19.13	$16.95	$16.86	$16.21	$13.99	$12.28	$11.07	$11.63	$10.93	$10.75	$9.44	$9.04	$7.27	$7.08	$5.63	—	—	—
Basic EPS, GAAP (USD)	$5.93	$4.58	$5.02	$4.19	$5.80	$2.86	$3.08	$3.48	$2.36	$2.34	$1.87	$1.51	$1.11	$1.33	$0.72	$0.62	$0.58	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$1.14	$1.01	$1.00	$0.93	$0.91	$0.88	$0.84	$0.71	$0.55	$0.41	$0.30	$0.07	—	—	—	—	—	—
Book Value per Share (USD)	$55.56	$48.95	$45.04	$39.82	$41.27	$36.82	$34.19	$32.14	$29.57	$26.29	$22.80	$21.64	$19.99	$19.03	$17.30	$16.18	—	—
Tangible Book Value per Share (USD)	$45.15	$38.88	$35.05	$29.98	$34.41	$30.13	$27.87	$25.96	$23.34	$24.92	$21.26	$21.51	$19.87	$18.92	$17.19	$16.18	—	—
Basic Weighted Avg Shares (shares)	7.77M	7.96M	8.03M	8.14M	8.38M	8.67M	9.07M	9.07M	7.12M	6.84M	6.71M	6.55M	6.59M	6.91M	7.11M	—	—	—
Dividend Payout Ratio (%)	19.2% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	22.1% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	19.9% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	22.2% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	15.7% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	30.8% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	27.3% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	20.4% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	23.3% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	17.5% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	16.0% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	4.6% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	—	—	—	—

🏦 How resilient is the balance sheet? 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity (USD)	$435.09M	$396.09M	$367.44M	$329.95M	$351.90M	$321.84M	$316.33M	$304.04M	$277.87M	$179.84M	$165.05M	$154.14M	$141.91M	$141.57M	$134.28M	$131.53M	$132.75M	$126.96M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Sales/Revenue/Turnover (USD)	$148.72M	$134.89M	$135.33M	$131.90M	$117.26M	$106.52M	$100.41M	$105.45M	$77.81M	$73.57M	$63.31M	$59.21M	$47.89M	$48.97M	$40.00M	$32.27M	$25.64M	—
Depreciation Expense (USD)	$3.31M	$3.50M	$3.57M	$3.46M	$3.08M	$3.06M	$2.88M	$2.50M	$1.96M	$1.79M	$1.81M	$1.74M	$1.42M	$1.45M	$1.30M	$1.10M	$885.97K	—
Net Income, GAAP (USD)	$46.06M	$36.43M	$40.24M	$34.07M	$48.62M	$24.77M	$27.93M	$31.59M	$16.82M	$16.01M	$12.55M	$9.87M	$7.29M	$9.19M	$5.12M	$4.69M	$4.68M	—
Operating Cash Flow (USD)	$54.51M	$48.73M	$41.36M	$51.20M	$55.72M	$49.03M	$43.94M	$47.13M	$24.75M	$20.49M	—	—	$21.28M	$11.34M	$15.88M	$-80.47K	$4.44M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Net Interest Margin (approx.) (%)	3.8%	3.5%	3.6%	3.7%	3.4%	3.6%	3.9%	4.3%	3.0%	—	3.5%	4.2%	4.1%	4.3%	3.4%	4.0%	—	—
Efficiency Ratio (%) (%)	60.2%	64.7%	61.2%	62.1%	57.1%	59.1%	63.3%	60.0%	59.3%	63.6%	66.4%	70.5%	69.3%	66.9%	77.0%	75.5%	69.4%	—

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Synced 1 week ago 18 years · 67 quarters

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