Donegal Group Inc. (DGICB) vs Home Bancorp, Inc. (HBCP)
A side-by-side comparison of Donegal Group Inc. 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 — DGICB vs HBCP
growth of $100 · dividends reinvested · last 10yDGICB vs HBCP: by the numbers
- •DGICB is the larger company ($547M vs $529M market cap).
- •DGICB trades at the lower trailing earnings multiple (8.51 vs 11.25 P/E), one valuation lens rather than an overall verdict.
- •HBCP converts more revenue to profit (22.22% vs 7.38% net margin).
- •HBCP grew revenue faster over the past five years (11.68% vs 3.86% CAGR).
- •DGICB pays the higher dividend yield (3.89% vs 1.86%).
Metrics side by side
Valuation
| Metric | DGICB | HBCP |
|---|---|---|
| P/E ratio | 8.51 | 11.25 |
| Forward P/E | 9.36 | 11.28 |
| PEG ratio | 2.39 | 0.72 |
| P/S ratio | 0.57 | 2.52 |
| P/B ratio | 0.82 | 1.17 |
Profitability
| Metric | DGICB | HBCP |
|---|---|---|
| Operating margin | 9.10% | 28.04% |
| Net margin | 7.38% | 22.22% |
| ROE | 10.67% | 10.31% |
Donegal Group 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.
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 | DGICB | HBCP |
|---|---|---|
| Dividend yield | 3.89% | 1.86% |
| Payout ratio | 34.34% | 20.90% |
Growth (annualized)
| Metric | DGICB | HBCP |
|---|---|---|
| Revenue CAGR (5Y) | 3.86% | 11.68% |
| EPS CAGR (5Y) | 4.28% | 15.70% |
| Total return CAGR (5Y) | 7.50% | 14.13% |
Frequently asked
- Which has the lower trailing P/E, DGICB or HBCP?
- DGICB has the lower trailing P/E: DGICB trades at 8.51 and HBCP at 11.25. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, DGICB or HBCP?
- Over the past five years, HBCP grew revenue faster — DGICB at a 3.86% CAGR versus HBCP at 11.68%.
- Does DGICB or HBCP pay a bigger dividend?
- DGICB yields 3.89% and HBCP yields 1.86% based on trailing dividends and the latest price.
- Is DGICB or HBCP more profitable?
- HBCP runs the higher net margin — DGICB at 7.38% versus HBCP at 22.22%.
- How have DGICB and HBCP total returns compared?
- Over the past 10 years, DGICB delivered 2.95% and HBCP delivered 11.85% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Donegal & 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.