Home Bancorp reported fourth-quarter earnings of $1.46 per share, exceeding the Zacks Consensus Estimate of $1.39 and marking a 20.7% year-over-year increase from the $1.21 recorded in Q4 2024. This represents the bank’s sixth consecutive quarter of EPS growth, driven by a 12.3% increase in net interest income compared with the year-ago period and disciplined expense management that held noninterest expenses nearly flat at $58.4 million. Return on average assets improved to 1.22%, while return on average equity climbed to 13.8%, underscoring the franchise’s profitability trajectory.