Home Bancorp, Inc. (HBCP) Q4 2025 Earnings Call Transcript

Operator

Good morning, ladies and gentlemen, and welcome to the Home Bancorp’s Fourth Quarter 2025 Earnings Conference Call. [Operator Instructions] Please note that this event is being recorded.

I would now like to turn the conference over to Home Bancorp’s Chairman, President and CEO, John Bordelon; and Chief Financial Officer, David Kirkley. Please go ahead, Mr. Kirkley.

David Kirkley
Senior EVP & CFO

Thank you. Good morning, and welcome to Home Bank’s Fourth Quarter 2025 Earnings Call. Our earnings release and investor presentation are available on our website. I’d ask that everyone please refer to the disclaimer regarding forward-looking statements in the investor presentation and our SEC filings.

Now I’ll hand it over to John to make a few comments about the quarter and the year. John?

John Bordelon
Chairman, President & CEO

Thank you, David. Good morning, and thank you for joining our earnings call today. We appreciate your interest in Home Bank as we discuss our results, our expectations for the future and our approach to creating long-term shareholder value. We’re proud of everything we accomplished in 2025 and believe we are well positioned to continue the outstanding performance you’ve come to the expect from Home Bank.

Yesterday afternoon, we reported fourth quarter net income of $11.4 million or $1.46 per share. For the full year 2025, net income was $46 million or $5.87 per share which is a record for Home Bank and 29% higher than our 2024 earnings per share. Fourth quarter net interest margin