Financial insights of HBCP

MyFinsight

For the quarter ending 2025-09-30, HBCP made $90,378K in revenue. $12,357K in net income. Net profit margin of 13.67%.

Income Overview

Revenue
$90,378K
Net Income
$12,357K
Net Profit Margin
13.67%
EPS
$1.59
Unit: Thousand (K) dollars
Revenue Breakdown
Loans, including fees
Deposits
Compensation and benefits
Others

Unit: Thousand (K) dollars (except for numbers of shares and EPS)

Income Statement	2025-09-30	2025-06-30	2025-03-31	2024-09-30
Loans, including fees	45,607	45,287	44,032	43,711
Taxable interest	2,432	2,523	2,592	2,604
Tax-exempt interest	72	73	72	73
Other investments and deposits	1,111	746	505	991
Total interest income	49,222	48,629	47,201	47,379
Deposits	13,805	13,142	12,622	13,908
Other borrowings	54	53	53	1,673
Subordinated debt expense	845	844	845	844
Short-term federal home loan bank advances	303	1,120	1,655	252
Long-term federal home loan bank advances	109	119	277	320
Total interest expense	15,116	15,278	15,452	16,997
Net interest income	34,106	33,351	31,749	30,382
(reversal) provision for loan losses	-229	489	394	140
Net interest income after provision for loan losses	34,335	32,862	31,355	30,242
Service fee and charges, and bank card fees-Deposit Account	1,408	1,345	-	-
Fees and charges	-	-	2,887	2,904
Service fee and charges, and bank card fees-Credit Card	1,646	1,750	-	-
Gain on sale of loans, net	144	114	377	195
Income from bank-owned life insurance	288	282	278	281
Gain (loss) on sale of assets, net	0	-2	9	-10
Other income	252	227	458	322
Total noninterest income	3,738	3,716	4,009	3,692
Compensation and benefits	13,531	13,322	12,652	13,058
Occupancy	2,544	2,513	2,561	2,732
Marketing and advertising	515	461	429	382
Data processing and communication	2,556	2,628	2,642	2,646
Professional services	406	396	405	450
Forms, printing and supplies	175	203	200	188
Franchise and shares tax	475	483	476	488
Regulatory fees	459	502	516	493
Foreclosed assets and ore, net	377	419	227	62
Amortization of acquisition intangible	268	269	293	328
(reversal) provision for credit losses on unfunded commitments	0	-970	-	-
Other expenses	1,225	2,181	1,178	1,431
Total noninterest expense	22,531	22,407	21,579	22,258
Income before income tax expense	15,542	14,171	13,785	11,676
Income tax expense	3,185	2,841	2,821	2,239
Net income	12,357	11,330	10,964	9,437

Basic (in usd per share)	1.6	1.47	1.38	1.19
Diluted (in usd per share)	1.59	1.45	1.37	1.18
Weighted average common shares outstanding (in shares)	7,713,000	7,707,000	7,949,000	7,922,000
Weighted average common shares outstanding-assuming dilution (in shares)	7,783,000	7,781,000	8,027,000	7,967,000

MyFinsight

Income Overview

Revenue
$90,378K
Net Income
$12,357K
Net Profit Margin
13.67%
EPS
$1.59
Unit: Thousand (K) dollars
Revenue Breakdown
Loans, including fees
Deposits
Compensation and benefits
Others

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

DownloadDownload image

Income Overview

Revenue
$90,378K
Net Income
$12,357K
Net Profit Margin
13.67%
EPS
$1.59
Unit: Thousand (K) dollars
Revenue Breakdown
Loans, including fees
Deposits
Compensation and benefits
Others

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

DownloadDownload image

Income Overview

Revenue$90,378KNet Income$12,357KNet Profit Margin13.67%EPS$1.59Unit: Thousand (K) dollarsRevenue BreakdownLoans, including feesDepositsCompensation and benefitsOthers

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Income Overview

Revenue$90,378KNet Income$12,357KNet Profit Margin13.67%EPS$1.59Unit: Thousand (K) dollarsRevenue BreakdownLoans, including feesDepositsCompensation and benefitsOthers

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Revenue
$90,378K
Net Income
$12,357K
Net Profit Margin
13.67%
EPS
$1.59
Unit: Thousand (K) dollars
Revenue Breakdown
Loans, including fees
Deposits
Compensation and benefits
Others

Revenue
$90,378K
Net Income
$12,357K
Net Profit Margin
13.67%
EPS
$1.59
Unit: Thousand (K) dollars
Revenue Breakdown
Loans, including fees
Deposits
Compensation and benefits
Others