Home Bancorp | 10-Q: FY2025 Q3 Revenue: USD 52.96 B

Revenue: As of FY2025 Q3, the actual value is USD 52.96 B.

EPS: As of FY2025 Q3, the actual value is USD 1.59, beating the estimate of USD 1.36.

EBIT: As of FY2025 Q3, the actual value is USD 30.66 B.

Segment Revenue

• Interest Income: Total interest income for the nine months ended September 30, 2025 was $145,052,000, compared to $136,963,000 for the same period in 2024.

Operational Metrics

• Net Income: Net income for the nine months ended September 30, 2025 was $34,651,000, compared to $26,754,000 for the same period in 2024.
• Net Interest Income: Net interest income for the nine months ended September 30, 2025 was $99,206,000, compared to $88,676,000 for the same period in 2024.
• Noninterest Income: Total noninterest income for the nine months ended September 30, 2025 was $11,463,000, compared to $10,996,000 for the same period in 2024.
• Noninterest Expense: Total noninterest expense for the nine months ended September 30, 2025 was $66,517,000, compared to $64,934,000 for the same period in 2024.

Cash Flow

• Net Cash Provided by Operating Activities: Net cash provided by operating activities for the nine months ended September 30, 2025 was $42,814,000, compared to $42,899,000 for the same period in 2024.
• Net Cash Provided by Investing Activities: Net cash provided by investing activities for the nine months ended September 30, 2025 was $45,877,000, compared to net cash used in investing activities of $60,055,000 for the same period in 2024.
• Net Cash Provided by Financing Activities: Net cash provided by financing activities for the nine months ended September 30, 2025 was $2,085,000, compared to $77,202,000 for the same period in 2024.

Unique Metrics

• Allowance for Credit Losses: The total allowance for credit losses as of September 30, 2025 was $34,557,000, compared to $35,616,000 as of December 31, 2024.

Future Outlook and Strategy

• Core Business Focus: The company plans to continue managing its exposure to interest rate movements through the use of derivative financial instruments, specifically interest rate swaps designated as cash flow hedges.
• Non-Core Business: The company has no significant plans for divestitures or emerging segments mentioned in the report.