📈 Operating Income History (16 Quarters)
🧮 HBCP Operating Income Breakdown
Understanding Operating Income
Operating Income, also known as EBIT (Earnings Before Interest and Taxes), measures a company's profit from its core business operations before financing costs and taxes. For HBCP, the trailing twelve month operating income is $58.8M.
Why Operating Income Matters
Operating income isolates business performance from capital structure decisions (debt vs equity financing) and tax strategies. This makes it ideal for comparing companies with different debt levels or tax situations. It shows how efficiently management runs the core operations.
HBCP's operating income growth rate of 4.19% (based on log-linear regression of 16 quarters) indicates modest positive growth in core business operations.
Operating Income vs Other Profitability Metrics
Net Income: $46.7M →
The bottom line after interest and taxes. Net income shows the final profit, while operating income excludes financing decisions.
Free Cash Flow: $50.1M →
Actual cash generated after capital expenditures. FCF can differ significantly from operating income due to working capital and capex.
Owner Earnings: $55.4M →
Buffett's measure of true cash generation. Adds back depreciation and subtracts only maintenance capex.
Revenue: $194.9M →
The top line that operating income is derived from. Operating margin shows what percentage becomes operational profit.
Operating Margin Analysis
HBCP's operating margin of 30.18% shows what percentage of revenue converts to operating profit after all operating expenses. Operating margins above 25% are excellent and indicate strong pricing power or operational efficiency.
EV/Operating Income Valuation
The EV/Operating Income ratio of 6.1x shows how the market values HBCP's operational earnings. Ratios below 8x often indicate undervaluation or market concerns about future growth.
Summary: HBCP Operating Income Trend
HOME BANCORP, INC. (HBCP) has an operating margin of 30.18%, which Zyberno classifies as excellent for a Financials company — above the 30% threshold Zyberno applies to financial businesses where the spread between revenue and operating costs reflects efficiency, signaling significant pricing power and operational efficiency. Operating income grew at 4.19% annually — positive but below the 10% level Zyberno considers strong growth. For complete financial analysis, view the full HBCP stock report on Zyberno.
Frequently Asked Questions
What is HBCP's current operating income?
HOME BANCORP, INC.'s TTM operating income is $58.8M, growing at 4.19% annually — positive but below the 10% level Zyberno considers strong growth.
Is HBCP's operating income growing?
HOME BANCORP, INC. (HBCP) has an operating margin of 30.18%, which Zyberno classifies as excellent for a Financials company — above the 30% threshold Zyberno applies to financial businesses where the spread between revenue and operating costs reflects efficiency, signaling significant pricing power and operational efficiency. Operating income grew at 4.19% annually — positive but below the 10% level Zyberno considers strong growth.
What is HBCP's operating margin?
HOME BANCORP, INC. (HBCP) has an operating margin of 30.18%, which Zyberno classifies as excellent for a Financials company — above the 30% threshold Zyberno applies to financial businesses where the spread between revenue and operating costs reflects efficiency, signaling significant pricing power and operational efficiency. Operating income grew at 4.19% annually — positive but below the 10% level Zyberno considers strong growth.
What is the difference between operating income and EBIT?
Operating income and EBIT (Earnings Before Interest and Taxes) are generally the same metric - both measure profit from core operations before financing costs and taxes. HBCP's EBIT/Operating Income is $58.8M.
How does operating income differ from net income?
Operating income excludes interest expense and income taxes, while net income includes them. HBCP's operating income is $58.8M versus net income of $46.7M. The difference reflects financing costs and tax burden.
📊 Full HBCP Stock Report →
See HBCP's intrinsic value, margin of safety, DCF valuation, and complete financial analysis with 250+ metrics.
💵 HBCP Free Cash Flow →
Compare to Free Cash Flow which subtracts all capital expenditures, not just maintenance CapEx.
💰 HBCP Owner Earnings →
Compare to Buffett's Owner Earnings metric which uses maintenance CapEx instead of total capital expenditures.
📈 HBCP Earnings Per Share →
Analyze EPS trends, P/E ratio, earnings yield, and per-share profitability metrics.
🎯 HBCP Earnings Surprise (SUE) →
See whether HBCP is beating or missing its own earnings trend — Standardized Unexpected Earnings and post-earnings drift.
📊 HBCP Revenue →
Analyze revenue trends, growth rate, P/S ratio, and top-line sales performance.
💰 HBCP Net Income →
Analyze the bottom-line profit, P/E ratio, and net profit margin trends.
🔶 HBCP Operating Income →
Analyze EBIT, operating margin, and core business profitability before interest and taxes.
💜 HBCP Gross Profit →
Analyze gross margin, pricing power, and profitability before operating expenses.