Estados financieros detallados de Home Bancorp, Inc. (HBCP): cuenta de resultados, balance general y flujo de caja. Sigue la evolución de márgenes, deuda, liquidez y rentabilidad año a año con hasta 20 años de histórico.
Resumen del Análisis
Home Bancorp, Inc. registró ingresos de $209.2M en el último ejercicio fiscal, con un CAGR de 5 años del 12.1%. El beneficio neto alcanzó $46.1M, con un CAGR a 5 años del 13.2%.
Márgenes de los últimos 12 meses: margen bruto 72.2%, margen operativo 28.0%, margen neto 22.2%. El flujo de caja libre creció a un CAGR del -1.1% en 5 años.
Al precio actual de $68.65, HBCP cotiza a un P/E de 11.37 y un ROE del 10.65%. La capitalización bursátil es de $540M.
Cuenta de Resultados (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Ingresos | $78.8M | $84.4M | $115.8M | $116.6M | $118.4M | $123.2M | $139.8M | $178.3M | $199.4M | $209.2M |
| Coste de Ventas | $8.5M | $8.9M | $14.2M | $19.2M | $24.6M | -$3.9M | $15.7M | $45.8M | $67.0M | $61.7M |
| Beneficio Bruto | $70.4M | $75.5M | $101.5M | $97.4M | $93.8M | $127.0M | $124.1M | $132.5M | $132.4M | $147.6M |
| I+D | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Generales y Administrativos | $28.7M | $29.4M | $38.1M | $40.0M | $39.1M | $41.0M | $50.0M | $51.1M | $53.3M | $63.5M |
| Gastos Operativos | $46.8M | $46.2M | $63.2M | $63.6M | $63.0M | $66.6M | $81.6M | $82.3M | $87.2M | $89.6M |
| Beneficio Operativo | $23.6M | $29.3M | $38.3M | $33.8M | $30.8M | $60.4M | $42.5M | $50.1M | $45.2M | $58.0M |
| EBITDA | $25.6M | $31.5M | $41.0M | $36.8M | $34.0M | $63.5M | $46.0M | $53.7M | $48.7M | $61.3M |
| Gastos por Intereses | $5.3M | $6.5M | $10.3M | $16.2M | $11.9M | $5.9M | $7.9M | $43.0M | $64.5M | $60.5M |
| Beneficio Antes de Impuestos | $23.6M | $29.3M | $38.3M | $33.8M | $30.8M | $60.4M | $42.5M | $50.1M | $45.2M | $58.0M |
| Impuestos | $7.6M | $12.5M | $6.7M | $5.9M | $6.0M | $11.8M | $8.4M | $9.9M | $8.8M | $12.0M |
| Beneficio Neto | $16.0M | $16.8M | $31.6M | $27.9M | $24.8M | $48.6M | $34.1M | $40.2M | $36.4M | $46.1M |
| BPA | $2.34 | $2.50 | $3.48 | $3.08 | $2.86 | $5.80 | $4.19 | $5.01 | $4.57 | $5.93 |
| BPA Diluido | $2.25 | $2.41 | $3.40 | $3.05 | $2.85 | $5.77 | $4.16 | $4.99 | $4.57 | $5.87 |
| Acciones en Circulación (Diluidas) | $7.1M | $7.4M | $9.3M | $9.1M | $8.7M | $8.4M | $8.2M | $8.1M | $8.0M | $7.8M |
Balance (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Caja y Equivalentes | $31.2M | $152.8M | $60.6M | $40.3M | $188.3M | $601.8M | $87.8M | $75.8M | $98.5M | $141.6M |
| Inversiones a Corto | $183.7M | $235.0M | $260.1M | $257.3M | $254.8M | $327.6M | $486.5M | $16.0M | $15.9M | $39.1M |
| Cuentas por Cobrar | $36.5M | $35.9M | $43.9M | $41.9M | $40.4M | $40.8M | $73.6M | 0 | 0 | 0 |
| Inventario | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Activos Corrientes | $251.4M | $423.7M | $364.6M | $339.5M | $483.4M | $970.2M | $647.8M | $92.0M | $114.5M | $180.7M |
| Inmovilizado Material | $39.6M | $45.6M | $47.1M | $46.4M | $45.5M | $43.5M | $43.6M | $42.0M | $42.3M | $49.0M |
| Fondo de Comercio | 0 | 0 | $58.5M | $58.5M | $58.5M | $58.5M | $81.5M | $81.5M | $81.5M | $81.5M |
| Activos Intangibles | 0 | 0 | $7.8M | $6.0M | $4.6M | $3.5M | $6.5M | $4.9M | $3.5M | $2.4M |
| Activos Totales | $1.56B | $2.23B | $2.15B | $2.20B | $2.59B | $2.94B | $3.23B | $3.32B | $3.44B | $3.49B |
| Cuentas por Pagar | $10.3M | $12.2M | $12.2M | $17.0M | $21.8M | $18.9M | $29.4M | 0 | 0 | 0 |
| Deuda a Corto | $40.0M | $3.6M | 0 | 0 | 0 | 0 | $155.0M | $150.0M | $137.2M | 0 |
| Pasivos Corrientes | $1.30B | $1.88B | $1.79B | $1.84B | $2.24B | $2.55B | $2.82B | $2.82B | $2.92B | $1.97B |
| Deuda a Largo | $78.5M | $68.2M | $64.2M | $46.2M | $34.4M | $31.6M | $80.8M | $102.5M | $98.3M | $57.7M |
| Pasivos Totales | $1.38B | $1.95B | $1.85B | $1.88B | $2.27B | $2.59B | $2.90B | $2.95B | $3.05B | $3.06B |
| Reservas | $104.6M | $117.3M | $141.4M | $150.2M | $154.3M | $188.5M | $206.3M | $234.6M | $259.2M | $284.8M |
| Patrimonio Neto | $179.8M | $277.9M | $304.0M | $316.3M | $321.8M | $351.9M | $330.0M | $367.4M | $396.1M | $435.1M |
| Deuda Total | $118.5M | $71.8M | $64.2M | $46.2M | $34.4M | $31.6M | $235.8M | $252.5M | $235.5M | $57.7M |
| Deuda Neta | -$96.4M | -$316.0M | -$256.5M | -$251.5M | -$408.7M | -$897.8M | -$338.5M | $160.5M | $121.1M | -$123.0M |
| Capital Circulante | -$1.05B | -$1.46B | -$1.42B | -$1.50B | -$1.75B | -$1.58B | -$2.17B | -$2.73B | -$2.80B | -$1.79B |
Flujo de Caja (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Beneficio Neto | $16.0M | $16.8M | $31.6M | $27.9M | $24.8M | $48.6M | $34.1M | $40.2M | $36.4M | $46.1M |
| Amortizaciones | $2.0M | $2.2M | $2.7M | $3.0M | $3.2M | $3.1M | $3.5M | $3.6M | $3.5M | $3.3M |
| Compensación en Acciones | $1.6M | $2.1M | $2.5M | $2.4M | $2.0M | $2.4M | $2.4M | $2.4M | $2.8M | $3.4M |
| Cambio en Capital Circulante | -$8.3M | -$10.4M | -$9.7M | $4.0M | $2.1M | -$5.1M | -$1.5M | -$10.2M | $1.2M | $253000 |
| Flujo de Caja Operativo | $20.5M | $24.8M | $47.1M | $43.9M | $49.0M | $55.7M | $51.2M | $41.4M | $48.7M | $54.5M |
| Inversiones (CapEx) | -$4.1M | -$1.9M | -$5.0M | -$3.8M | -$2.1M | -$2.5M | -$2.7M | -$2.0M | -$4.1M | -$10.2M |
| Adquisiciones | 0 | $68.2M | 0 | 0 | 0 | 0 | -$27.3M | 0 | 0 | 0 |
| Recompra de Acciones | -$357000 | -$70000 | -$1.2M | -$15.4M | -$14.0M | -$8.9M | -$11.3M | -$5.3M | -$4.8M | -$14.4M |
| Dividendos Pagados | -$3.0M | -$4.1M | -$6.7M | -$7.9M | -$7.9M | -$7.9M | -$7.8M | -$8.2M | -$8.2M | -$9.0M |
| Flujo de Caja Libre | $16.4M | $22.8M | $42.1M | $40.1M | $46.9M | $53.2M | $48.5M | $39.3M | $44.7M | $44.3M |
Crecimiento y Márgenes (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Crecimiento Ingresos (anual) | +7.0% | +37.2% | +0.7% | +1.6% | +4.0% | +13.5% | +27.5% | +11.8% | +4.9% | |
| Crecimiento Beneficio Neto (anual) | +5.1% | +87.8% | -11.6% | -11.3% | +96.3% | -29.9% | +18.1% | -9.5% | +26.5% | |
| Crecimiento BPA (anual) | +6.8% | +39.2% | -11.5% | -7.1% | +102.8% | -27.8% | +19.6% | -8.8% | +29.8% | |
| Cambio en Acciones (anual) | +3.8% | +25.9% | -1.6% | -4.8% | -3.2% | -2.8% | -1.6% | -1.2% | -1.5% | |
| Crecimiento FCF (anual) | +39.4% | +84.4% | -4.8% | +16.9% | +13.6% | -8.9% | -18.9% | +13.6% | -0.7% | |
| Margen Bruto | 89.3% | 89.5% | 87.7% | 83.5% | 79.2% | 103.1% | 88.8% | 74.3% | 66.4% | 70.5% |
| Margen Operativo | 29.9% | 34.8% | 33.1% | 29.0% | 26.0% | 49.1% | 30.4% | 28.1% | 22.7% | 27.7% |
| Margen EBITDA | 32.5% | 37.3% | 35.4% | 31.5% | 28.7% | 51.6% | 32.9% | 30.1% | 24.4% | 29.3% |
| Margen Neto | 20.3% | 19.9% | 27.3% | 24.0% | 20.9% | 39.5% | 24.4% | 22.6% | 18.3% | 22.0% |
| Margen FCF | 20.8% | 27.1% | 36.4% | 34.4% | 39.6% | 43.2% | 34.7% | 22.1% | 22.4% | 21.2% |
| Tasa Impositiva Efectiva | 32.1% | 42.6% | 17.5% | 17.3% | 19.6% | 19.6% | 19.8% | 19.8% | 19.4% | 20.6% |
Datos por Acción (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| FCF por Acción | $2.30 | $3.10 | $4.53 | $4.38 | $5.39 | $6.32 | $5.92 | $4.88 | $5.61 | $5.65 |
| Dividendo por Acción | $0.42 | $0.55 | $0.72 | $0.86 | $0.91 | $0.93 | $0.95 | $1.02 | $1.03 | $1.15 |
| Acciones en Circulación (Básicas) | $6.8M | $7.1M | $9.1M | $9.1M | $8.7M | $8.4M | $8.1M | $8.0M | $8.0M | $7.8M |
Qué mirar en empresas de Financial Services
- Efficiency Ratio (≤55%) — Gastos operativos / ingresos. Bancos top por debajo del 55%.
- ROA (≥1%) — Cuánto ganan por cada euro de activos. En banca el ROE engaña por el apalancamiento.
- ROTCE (≥12%) — Rentabilidad sobre Capital Tangible. Descuenta goodwill e intangibles.
- Capital / Activos (proxy Tier 1) (≥8%) — Proxy del ratio de capital. FMP no expone Tier 1 regulatorio directo.
- P/B (1,0-1,5x) — Métrica clásica bancaria. <1x puede ser oportunidad o distress.
- Rentabilidad por dividendo sostenible (≥2%, <8%) — Bancos UE pagan 5-7% sin estrés. >8% es señal de distress.
Rentabilidad
| Rentabilidad sobre capital | 10.65% |
| Rentabilidad sobre capital invertido | 8.77% |
| Rentabilidad sobre activos | 1.30% |
| Margen bruto | 72.24% |
| Margen operativo | 28.04% |
| Margen neto | 22.22% |
Salud financiera
| Deuda / Patrimonio | 0.12 |
| Ratio corriente | 0.20 |
Ratios Clave (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| P/E | 16.50 | 17.29 | 10.17 | 12.72 | 9.79 | 7.16 | 9.55 | 8.39 | 10.11 | 9.75 |
| P/VC | 1.47 | 1.11 | 1.06 | 1.12 | 0.75 | 0.99 | 0.99 | 0.92 | 0.93 | 1.03 |
| P/V | 3.35 | 3.64 | 2.78 | 3.05 | 2.05 | 2.82 | 2.33 | 1.89 | 1.85 | 2.15 |
| Margen Bruto | 89.3% | 89.5% | 87.7% | 83.5% | 79.2% | 103.1% | 88.8% | 74.3% | 66.4% | 70.5% |
| Margen Operativo | 29.9% | 34.8% | 33.1% | 29.0% | 26.0% | 49.1% | 30.4% | 28.1% | 22.7% | 27.7% |
| Margen Neto | 20.3% | 19.9% | 27.3% | 24.0% | 20.9% | 39.5% | 24.4% | 22.6% | 18.3% | 22.0% |
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Explorar sector: Financial Services · Banks - Regional
Más secciones de HBCP: Resumen · Valoración · Estadísticas · Estimaciones · Técnico · Propiedad · Noticias · Eventos
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