For the quarter ended March 2025, Home Bancorp (HBCP) reported revenue of $35.76 million, up 10.2% over the same period last year. EPS came in at $1.37, compared to $1.14 in the year-ago quarter.

The reported revenue represents a surprise of +3.62% over the Zacks Consensus Estimate of $34.51 million. With the consensus EPS estimate being $1.14, the EPS surprise was +20.18%.

While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.

Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.

Here is how Home Bancorp performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:

• Total nonperforming loans: $19.05 million compared to the $13.43 million average estimate based on two analysts.
• Total nonperforming assets: $21.47 million compared to the $15.34 million average estimate based on two analysts.
• Net Interest Margin: 3.9% versus 3.8% estimated by two analysts on average.
• Total Average Interest-Earning Assets: $3.24 billion versus the two-analyst average estimate of $3.27 billion.
• Efficiency Ratio: 60.4% compared to the 64.4% average estimate based on two analysts.
• Total Noninterest Income: $4.01 million versus the two-analyst average estimate of $3.65 million.
• Net Interest Income: $31.75 million versus the two-analyst average estimate of $30.86 million.

View all Key Company Metrics for Home Bancorp here>>>

Shares of Home Bancorp have returned -1.9% over the past month versus the Zacks S&P 500 composite's -5.6% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.

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This article originally published on Zacks Investment Research (zacks.com).

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