HBCP vs PBFS: stock comparison and AI forecast
Home Bancorp, Inc. (HBCP) and Pioneer Bancorp, Inc./Md (PBFS) compared on price performance, valuation, profitability and the daily AI forecast. · Alpha · vs market
Share
HBCP Home Bancorp, Inc.
- Market Cap
- $485M
- P/E Ratio
- 10.3x
- Size
- small-cap
- AI Forecast
PBFS Pioneer Bancorp, Inc./Md
- Market Cap
- $458M
- P/E Ratio
- 131.8x
- Size
- small-cap
- AI Forecast
Which one does the AI model favor?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
Key facts
- HBCP and PBFS have similar market capitalizations ($485M and $458M).
- HBCP trades at 10.3 times trailing earnings, PBFS at 131.8 times.
- HBCP turns 30.8% of its revenue into net income, against 12.9% for PBFS.
- HBCP carries 6.95 times debt per unit of equity, against 6.20 times for PBFS.
- HBCP yields 1.97% in dividends; PBFS pays none.
- Both companies share the SEC industry classification Savings Institutions, Not Federally Chartered.
Fundamentals side by side
Trailing twelve months.
Valuation & Market
| Metric | HBCP | PBFS |
|---|---|---|
| Market Cap | $485M | $458M |
| P/E Ratio | 10.31x | 131.79x |
| P/B Ratio | 1.07x | 1.40x |
| Dividend Yield | 1.97% | – |
| EPS | $5.98 | $0.14 |
| Book Value/Share | $57.61 | $13.22 |
| Revenue/Share | $19.30 | $1.09 |
| FCF/Share | $6.54 | – |
Profitability & Margins
| Metric | HBCP | PBFS |
|---|---|---|
| ROE | 10.3% | 1.1% |
| ROA | 1.3% | 0.1% |
| Net Margin | 30.8% | 12.9% |
| EBT Margin | 38.7% | 17.7% |
| Tax Rate | 20.5% | 27.2% |
Financial Health
| Metric | HBCP | PBFS |
|---|---|---|
| D/E Ratio | 6.95x | 6.20x |
| Financial Leverage | 7.95x | 7.20x |
Cash Flow
| Metric | HBCP | PBFS |
|---|---|---|
| Operating Cash Flow | $61M | $14M |
| Free Cash Flow | $51M | – |
| Capital Spending | -$10M | – |
| OCF Growth YoY | 36.8% | 842.8% |
| FCF Growth YoY | 32.5% | – |
| FCF/Sales | 33.9% | – |
| CapEx/Sales | 6.4% | – |
Operational Efficiency
| Metric | HBCP | PBFS |
|---|---|---|
| Asset Turnover | 0.04x | 0.01x |
| Fixed Assets Turnover | 3.0x | 0.8x |
Income Statement
| Metric | HBCP | PBFS |
|---|---|---|
| Total Revenue | $152M | $27M |
| Net Income | $47M | $3M |
Dividend & Shareholder Information
| Metric | HBCP | PBFS |
|---|---|---|
| Dividends Per Share | $1.21 | – |
| Payout Ratio | 20.2% | – |
| Shares Outstanding | 8M | 25M |
| Net Income Growth | 12.9% | -46.0% |
| EPS Growth | 14.8% | -46.1% |
HBCP vs PBFS: stock comparison and AI forecast
Which is bigger, HBCP or PBFS?
HBCP and PBFS have similar market capitalizations ($485M and $458M).
Which is cheaper on earnings, HBCP or PBFS?
HBCP trades at 10.3 times trailing earnings, PBFS at 131.8 times.
Which one does Intratio's AI model rank higher, HBCP or PBFS?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
More comparisons
This analysis is generated automatically using our proprietary AI systems and should not be considered personalized investment advice. Past performance does not guarantee future results. Always conduct your own research and consider consulting a financial advisor before making investment decisions.