Sierra Bancorp (BSRR) vs Home Bancorp, Inc. (HBCP)
A side-by-side comparison of Sierra Bancorp and Home Bancorp, Inc. across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of October 6, 2026. Differences are shown without an overall score or investment verdict.
Total return — BSRR vs HBCP
growth of $100 · dividends reinvested · last 10yBSRR vs HBCP: by the numbers
- •HBCP is the larger company ($531M vs $519M market cap).
- •HBCP trades at the lower trailing earnings multiple (11.29 vs 11.63 P/E), one valuation lens rather than an overall verdict.
- •BSRR converts more revenue to profit (22.63% vs 22.22% net margin).
- •HBCP grew revenue faster over the past five years (11.68% vs 7.86% CAGR).
- •BSRR pays the higher dividend yield (2.64% vs 1.86%).
Metrics side by side
Valuation
| Metric | BSRR | HBCP |
|---|---|---|
| P/E ratio | 11.63 | 11.29 |
| Forward P/E | 11.15 | 11.32 |
| PEG ratio | 1.93 | 0.73 |
| P/S ratio | 2.61 | 2.53 |
| P/B ratio | 1.41 | 1.17 |
Profitability
| Metric | BSRR | HBCP |
|---|---|---|
| Operating margin | 30.09% | 28.04% |
| Net margin | 22.63% | 22.22% |
| ROE | 12.27% | 10.31% |
Sierra Bancorp: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Home Bancorp, Inc.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Dividends
| Metric | BSRR | HBCP |
|---|---|---|
| Dividend yield | 2.64% | 1.86% |
| Payout ratio | 30.50% | 20.90% |
Growth (annualized)
| Metric | BSRR | HBCP |
|---|---|---|
| Revenue CAGR (5Y) | 7.86% | 11.68% |
| EPS CAGR (5Y) | 6.15% | 15.70% |
| Total return CAGR (5Y) | 14.28% | 14.13% |
Frequently asked
- Which has the lower trailing P/E, BSRR or HBCP?
- HBCP has the lower trailing P/E: BSRR trades at 11.63 and HBCP at 11.29. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, BSRR or HBCP?
- Over the past five years, HBCP grew revenue faster — BSRR at a 7.86% CAGR versus HBCP at 11.68%.
- Does BSRR or HBCP pay a bigger dividend?
- BSRR yields 2.64% and HBCP yields 1.86% based on trailing dividends and the latest price.
- Is BSRR or HBCP more profitable?
- BSRR runs the higher net margin — BSRR at 22.63% versus HBCP at 22.22%.
- How have BSRR and HBCP total returns compared?
- Over the past 10 years, BSRR delivered 11.50% and HBCP delivered 11.85% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Sierra Bancorp & Home Bancorp appear in these rankings
Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified October 6, 2026.