HBCPHome Bancorp, Inc.

$454M

Q3 2022 Earnings

Financial Services Banks - Regional

Income Statement

Revenue

$38M+11.6% YoY

Gross Profit

$34M89.1% margin

Operating Income

$13M34.5% margin

Net Income

$10M27.6% margin

EPS (Diluted)

$1.28

QoQ Revenue Growth

+10.4%

Cash Flow

Operating Cash Flow

$17M

Free Cash Flow

$16M

Stock-Based Comp.

$557,000

Balance Sheet

Total Assets

$3.2B

Total Liabilities

$2.9B

Stockholders' Equity

$317M

Cash & Equivalents

$151M

Year-over-Year Comparison

Metric	Current	Year Ago	Change
Revenue	$38M	$34M	+11.6%
Gross Profit	$34M	$35M	-3.7%
Operating Income	$13M	$18M	-29.4%
Net Income	$10M	$15M	-30.7%

Revenue Segments

Credit Card

$2M56%

Deposit Account

$1M44%

HBCP Q3 2022 Earnings — Home Bancorp, Inc. Revenue & Financial Results | Market Cap Arena