Home Bancorp Inc
Buy, Hold or Sell?

Let's analyse Home Bancorp Inc together

Penke I guess you are interested in Home Bancorp Inc. Buy, hold or sell? I don't know! However, I do recommend doing research before doing anything. I will help you with that.

I'm going to help you getting a better view of Home Bancorp Inc. At the end you don't have to ask anyone for trading advice. You can make your own decision, with more confidence, the odds in your favor, backed by data.

You can find me behind Let's Analyse Together in the top-right of each section.

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Quick analysis of Home Bancorp Inc (30 sec.)

What can you expect buying and holding a share of Home Bancorp Inc? (30 sec.)

How much money do you get?

$1.01

When do you have the money?

1 year

How often do you get paid?

95.0%

What is your share worth?

Current worth

$45.09

Expected worth in 1 year

$49.69

How sure are you?

90.0%

+ What do you gain per year?

Total Gains per Share

$5.61

Return On Investment

15.4%

For what price can you sell your share?

Current Price per Share

$36.48

Expected price per share

$30.16 - $39.30

How sure are you?

50%

1. Valuation of Home Bancorp Inc (5 min.)

Live pricePrice per Share (EOD)

$36.48

Book Value per Share

$45.09

Intrinsic Value Per Share

$-80.06 - $62.79

Total Value Per Share

$-34.97 - $107.88

My calculation of the intrinsic value of Home Bancorp Inc is based how much money is coming from the company's main activities (Free Cash Flow).

The following numbers are based on moving averages and per share and per quarter.
I use a 6% discount rate for the low estimation and 3% for the high estimation.
The current Free Cash Flow Per Share is 10Y: ($1.09) 3Y: ($1.42) TTM: ($1.19)
The change per quarter (trend) of the Free Cash Flow Per Share is 10Y: ($0.02) 3Y: ($-0.20) TTM: ($-0.14)

Years	Total Low est.	Total High est.	Added Free Cash Flow
1	$2.27	$5.77	$1.12 - $6.00
2	$1.47	$11.69	$-2.11 - $6.33
3	$-2.06	$17.73	$-5.34 - $6.66
4	$-8.00	$23.90	$-8.57 - $6.99
5	$-16.08	$30.18	$-11.80 - $7.32
6	$-26.02	$36.55	$-15.03 - $7.65
7	$-37.60	$43.01	$-18.26 - $7.98
8	$-50.59	$49.54	$-21.49 - $8.31
9	$-64.80	$56.14	$-24.72 - $8.64
10	$-80.06	$62.79	$-27.94 - $8.97

2. Growth of Home Bancorp Inc (5 min.)

Is Home Bancorp Inc growing?

	Current year	Previous year	Grow	Grow %
How rich?	$367.4m	$328.3m	$22.6m	6.5%

How much money is Home Bancorp Inc making?

	Current year	Previous year	Grow	Grow %
Making money	$10m	$8.5m	$1.5m	15.3%
Net Profit Margin	27.6%	25.2%	-	-

How much money comes from the company's main activities?

Quarterly Yearly

3. Financial Health of Home Bancorp Inc (5 min.)

4. Comparing to competitors in the Banks - Regional industry (5 min.)

Industry Rankings (Banks - Regional)

What can you expect buying and holding a share of Home Bancorp Inc? (5 min.)

Welcome investor! Home Bancorp Inc's management wants to use your money to grow the business. In return you get a share of Home Bancorp Inc.

What can you expect buying and holding a share of Home Bancorp Inc?

First you should know what it really means to hold a share of Home Bancorp Inc. And how you can make/lose money.

Speculation

The Price per Share of Home Bancorp Inc is $36.48. The market price reflects what other people think it is worth; not what it's really worth. Your job is to find out if the market price is fair, overpriced, or underpriced. I will help you with that.

If you buy blind, there is a 50% chance of making or losing money by selling the stock in the future. However, we can look at a few things to determine the odds in our favor:

The fundamentals: the financial health trends of Home Bancorp Inc.
The technials: based on market psychology, we can make a calculated estimate of what the price will do in the future. We can do this through technical analysis. We can calculate the probabilities and the expected value (millionaire math). That's called speculation.
The book value: what is the market price compared to it's book value.

Investing

If you really want to invest in Home Bancorp Inc, you will have to let go of the thought of selling in the future. If you have to sell the share for less than you bought it, it can still be a good investment. Focus on what it means to hold the stock forever:

You own a part of the company. The equity of this part can grow or shrink. The current Book Value per Share is $45.09. Based on the TTM, the Book Value Change Per Share is $1.15 per quarter. Based on the YOY, the Book Value Change Per Share is $-0.44 per quarter.
You may receive quarterly/yearly dividend in the form of additional shares.
You may receive quarterly/yearly dividend in the form of cash. Based on the TTM the Dividend per Share is $0.25 per quarter.

Based on historical numbers we can estimate the returns while holding a share of Home Bancorp Inc.

How much money are you going to get?

	MRQ		TTM		YOY		5Y		10Y
	$	% of Price per Share	$	% of Price per Share	$	% of Price per Share	$	% of Price per Share	$	% of Price per Share
Usd Eps	1.15	3.2%	1.23	3.4%	1.04	2.9%	1.04	2.9%	0.77	2.1%
Usd Book Value Change Per Share	2.71	7.4%	1.15	3.2%	-0.44	-1.2%	0.62	1.7%	0.69	1.9%
Usd Dividend Per Share	0.25	0.7%	0.25	0.7%	0.24	0.7%	0.23	0.6%	0.23	0.6%
Usd Total Gains Per Share	2.96	8.1%	1.40	3.8%	-0.20	-0.5%	0.85	2.3%	0.92	2.5%
Usd Price Per Share	42.01	-	35.03	-	38.49	-	35.08	-	33.48	-
Price to Earnings Ratio	9.12	-	7.16	-	10.65	-	10.56	-	13.68	-
Price-to-Total Gains Ratio	14.18	-	80.78	-	-35.02	-	58.91	-	53.43	-
Price to Book Ratio	0.93	-	0.81	-	0.96	-	0.91	-	1.13	-
Price-to-Total Gains Ratio	14.18	-	80.78	-	-35.02	-	58.91	-	53.43	-

When do you get the money?

Usd Investment	$.00
Usd Price Per Share	36.48
Number of shares	27

Gains per Quarter	Trailing 12 Months	5 Year
Usd Dividend Per Share	0.25	0.23
Usd Book Value Change Per Share	1.15	0.62
Usd Total Gains Per Share	1.40	0.85
Gains per Quarter (27 shares)	37.86	23.05
Gains per Year (27 shares)	151.45	92.21

Years	Return on Investment (TTM)			Return on Investment (5Y)
	Dividend	Book Value gain	Total gains	Dividend	Book Value gain	Total gains
Broker costs	-	-	-10	-	-	-10
1	27	124	141	25	67	82
2	54	248	292	50	134	174
3	82	373	443	76	201	266
4	109	497	594	101	268	358
5	136	621	745	126	335	450
6	163	745	896	151	402	542
7	191	869	1047	176	469	634
8	218	994	1198	201	536	726
9	245	1118	1349	227	603	818
10	272	1242	1500	252	670	910

How sure are you?

Based on the past periods, how sure are you to get value out of your investment.

Linear %

	Trailing 12 Months				3Y				5 Year				10 Year				ALLTIME
				%				%				%				%				%
Earnings Per Share	4.0	0.0	0.0	100.0%	12.0	0.0	0.0	100.0%	20.0	0.0	0.0	100.0%	40.0	0.0	0.0	100.0%	69.0	0.0	0.0	100.0%
Book Value Change Per Share	3.0	1.0	0.0	75.0%	8.0	4.0	0.0	66.7%	15.0	5.0	0.0	75.0%	34.0	6.0	0.0	85.0%	53.0	14.0	2.0	76.8%
Dividend per Share	4.0	0.0	0.0	100.0%	12.0	0.0	0.0	100.0%	20.0	0.0	0.0	100.0%	38.0	0.0	2.0	95.0%	48.0	0.0	21.0	69.6%
Total Gains per Share	4.0	0.0	0.0	100.0%	9.0	3.0	0.0	75.0%	17.0	3.0	0.0	85.0%	36.0	4.0	0.0	90.0%	56.0	11.0	2.0	81.2%

Fundamentals of Home Bancorp Inc

About Home Bancorp Inc

https://www.home24bank.com
Banks - Regional
467
503 Kaliste Saloom Road, Lafayette, LA, United States, 70508
Google Maps Bing Maps

Home Bancorp, Inc. operates as the bank holding company for Home Bank, National Association that provides various banking products and services in Louisiana, Mississippi, and Texas. It offers deposit products, including interest-bearing and noninterest-bearing checking, money market, savings, NOW, and certificates of deposit accounts. The company also provides various loan products comprising one-to four-family first mortgage loans, home equity loans and lines, commercial real estate loans, construction and land loans, multi-family residential loans, commercial and industrial loans, and consumer loans. In addition, it invests in securities; and offers credit cards and online banking services. Home Bancorp, Inc. was founded in 1908 and is headquartered in Lafayette, Louisiana.

Fundamental data was last updated by Penke on 2024-04-11 10:34:02.

Financial Health

Profitability Details

	Compared to previous year	Compared to industry
The company is making a huge profit.
Using its assets, the company is inefficient in making profit.
Using its investors money, the company is inefficient in making profit.

Operating Efficiency Details

	Compared to previous year	Compared to industry
The company is operating very efficient.

Liquidity Details

	Compared to previous year	Compared to industry
The company is very able to pay all its short-term debts.
The company is very able to pay all its short-term debts with the most liquid assets.

Solvency Details

	Compared to previous year	Compared to industry
The company is just able to pay all its debts by selling its assets.
The company is unable to pay all its debts with equity.

Valuation

Valuation Details

	Compared to previous year	Compared to industry
Based on the equity, the company is cheap.
Based on the earnings, the company is cheap.
Based on how much money comes from the company's main activities, the company is cheap.

1.1. Profitability of Home Bancorp Inc.

1.1. Profitability

1.1.1. Net Profit Margin

Measures how much net profit Home Bancorp Inc earns for each $1 of revenue.

Above 10% is considered healthy but always compare Home Bancorp Inc to the Banks - Regional industry mean.
A Net Profit Margin of 20.0% means that $0.20 for each $1 in revenue is generated as profit.

Let's take a look of the Net Profit Margin trends of Home Bancorp Inc:

The MRQ is 20.0%. The company is making a huge profit. +2
The TTM is 27.6%. The company is making a huge profit. +2

Trends

Current period		Compared to		+/-
MRQ	20.0%	TTM	27.6%	-7.5%
TTM	27.6%	YOY	25.2%	+2.3%
TTM	27.6%	5Y	28.9%	-1.3%
5Y	28.9%	10Y	25.5%	+3.3%

Compared to industry (Banks - Regional)

Period	Company	Industry (mean)	+/-
MRQ	20.0%	18.4%	+1.6%
TTM	27.6%	28.0%	-0.4%
YOY	25.2%	25.2%	+0.0%
5Y	28.9%	22.8%	+6.1%
10Y	25.5%	19.8%	+5.7%

Measures how much net profit Home Bancorp Inc earns for each $1 of revenue.

Revenue is the amount of profit Home Bancorp Inc generates before taxes and all other costs. For example, when you buy a cup of coffee it will cost you $3. The company does not earn $3 in profit but also has to pay various costs and taxes to create that cup of coffee. Let's assume the cost of creating a cup of coffee is $1.5.

The $3 you pay for a cup of coffee is called revenue.
The $1.5 that’s left over when all costs to create that cup of coffee (including taxes) are deduced from the revenue is called net profit.

The net profit margin looks at how much net profit Home Bancorp Inc earns for each $1 in revenue.

How to use net profit margin

Higher profit margin is better (more profit).
Above 10% is considered healthy but always compare Home Bancorp Inc to the Banks - Regional industry mean.
Can be used to compare companies within the Banks - Regional industry.

You typically want a high profit margin. This means that for each $1 in sales, Home Bancorp Inc makes more profit. This shows the investor how efficiently Home Bancorp Inc is operating in general and compared to other companies in the same industry. Home Bancorp Inc operates in the Banks - Regional industry.

Why do investors use net profit margin in their analysis

It helps investors to determine the efficiency of Home Bancorp Inc. If profit margins remain low (compared to the Banks - Regional industry mean) and there are no improvements to make in production costs or other areas that might be a warning sign. If profit margins are high that means the company has low overhead costs and is efficiently using its resources to generate profit.

The three steps every investor should look at:

What is the current net profit margin?
The current most recent quarter (MRQ) Net Profit Margin of Home Bancorp Inc is 0.20. This means that Home Bancorp Inc earned $0.20 for each $1 in revenue in the most recent quarter.
How does it compare to the industry?
The mean MRQ Net Profit Margin of the Banks - Regional industry is 18.4%.
What is the trend?
The trend is important because it shows you how Home Bancorp Inc is performing over time. The most recent quarter might be important if Home Bancorp Inc released a new product or service. And you can use MRQ to see if they performed better vs last year. You can find all the trends for Home Bancorp Inc up to 10 years back (depending if the company existed 10 years ago) when you exit this learning section.

Things to be aware of

Only compare Home Bancorp Inc with other companies in the same industry (Banks - Regional).
Net profit margin should rise over the years.
Can be influenced when Home Bancorp Inc sells assets (profit will increase while costs remain the same).
It won’t show what part of Home Bancorp Inc is doing great or needs improvement (it only looks at total revenue and total net income).

How to calculate net profit margin

Net profit margin = net income / total revenue * 100%

Real example of Home Bancorp Inc

You need the following data to determine net profit margin:

Income statement from the period you want to calculate (for example, MRQ or TTM).

Net income MRQ Home Bancorp Inc = 9,385
Total revenue MRQ Home Bancorp Inc = 46,841
$9,385 / $46,841 = 0.20 or 20.0%

Higher is better

The higher the net profit margin, the more efficient the company is generating income. This helps investors to determine how the company is managing money. The net profit margin is an important indicator when diving into the financial health of a company. Overall, you want to see the net profit margin rising over the years. That means the company improved their production and made it more efficient (if possible).

You can use the net profit margin to compare companies within the same industry. If there are two companies where one is much bigger but the smaller one has a higher net profit margin, that means the smaller company is more efficiently using operational costs.

Important: Profit margins can be very different between industries. Companies with assembly lines or transports are much more prone to see shifting in prices for fuel, ingredients and maintenance compared to companies that only provide services. You should never compare net profit margin between different industries.

1.1.2. Return on Assets

Shows how efficient Home Bancorp Inc is using its assets to generate profit.

Above 5% is considered healthy but always compare Home Bancorp Inc to the Banks - Regional industry mean.
0.3% Return on Assets means that Home Bancorp Inc generated $0.00 profit for each $1 in assets.

Let's take a look of the Return on Assets trends of Home Bancorp Inc:

The MRQ is 0.3%. Using its assets, the company is inefficient in making profit. -1
The TTM is 0.3%. Using its assets, the company is inefficient in making profit. -1

Trends

Current period		Compared to		+/-
MRQ	0.3%	TTM	0.3%	0.0%
TTM	0.3%	YOY	0.3%	+0.0%
TTM	0.3%	5Y	0.3%	0.0%
5Y	0.3%	10Y	0.3%	+0.0%

Compared to industry (Banks - Regional)

Period	Company	Industry (mean)	+/-
MRQ	0.3%	0.1%	+0.2%
TTM	0.3%	0.2%	+0.1%
YOY	0.3%	0.2%	+0.1%
5Y	0.3%	0.2%	+0.1%
10Y	0.3%	0.2%	+0.1%

Shows how efficient Home Bancorp Inc is using its assets to generate profit.

For a farm, a tractor is considered an asset. The tractor helps ploughing the land making it possible to plant and harvest crops. But the tractor might be old and needing maintenance all the time reducing its efficiency. Return on assets indicates how effectively the farm is using the tractor (and other assets that help the core business) to plough the land.

How to use return on assets

Higher is better.
Above 5% is considered healthy but always compare Home Bancorp Inc to the Banks - Regional industry mean.
Can be very different between industries.
Can be used to compare companies.

Why do investors use return on assets in their analysis

Shows the investor how effectively Home Bancorp Inc is using its resources to generate profit. If the return on assets (0.3%) from Home Bancorp Inc are higher than the Banks - Regional mean (0.1%) that means Home Bancorp Inc is using its resources better than their competitors. If not, that means their competitors are more efficient in using their resources to generate profit.

An investor should always look at:

What is the current return on assets?
The current most recent quarter (MRQ) Return on Assets of Home Bancorp Inc is 0.3%. This means the company generated $0.00 for each $1 in assets.
How does it compare to the industry?
The mean MRQ Return on Assets of the Banks - Regional industry is 0.1%.
What is the trend?
The trend is important because it shows you how Home Bancorp Inc is performing over time. The most recent quarter might be important if Home Bancorp Inc released a new product or service. And you can use MRQ to see if they performed better vs last year. You can find all the trends for Home Bancorp Inc up to 10 years back (depending if the company existed 10 years ago) when you exit this learning section.

Things to be aware of

Only compare with other companies in the same industry.
If a company has many assets changing over time, it’s better to calculate the average assets instead of the total assets.

How to calculate return on assets

Return on assets = net income / total assets * 100%

Real example Home Bancorp Inc

You need the following data to determine return on assets (ROA):

Income statement
Balance sheet

Net income MRQ (income statement) from Home Bancorp Inc = 9,385
Total assets MRQ (balance sheet) from Home Bancorp Inc = 3,325,396
9,385 / 3,325,396 = 0.00 or 0.3%

ROA is an important ratio as it will tell you how effectively Home Bancorp Inc is using its resources to generate profits. Example:

Bob and Kristin both sell ice cream in the summer. They both have an ice cream truck. The truck Bob owes cost him $20.000 and the truck Kristin owes cost her $1500. Over the summer, Bob earned $2000 and Kristin earned $200. To calculate the return on assets:

Bob: $2000 / $20.000 * 100% = 10%
Kristin: $200 / $1500 * 100% = 13.3%

This tells you Bob’s company is more valuable but Kristin's company is more efficient. Be aware that total assets can change over time. A transportation business will buy and sell trucks or planes all the time. Before using return on assets as a guideline, you have to know what the exact assets are. For a company that has many assets changing over time, it’s better to calculate the average assets instead of the total assets.

1.1.3. Return on Equity

Shows how efficient Home Bancorp Inc is using its investors money to generate profit.

Above 15%-20% is considered healthy but always compare Home Bancorp Inc to the Banks - Regional industry mean.
2.6% Return on Equity means Home Bancorp Inc generated $0.03 for each $1 the owners (shareholders) invested.

Let's take a look of the Return on Equity trends of Home Bancorp Inc:

The MRQ is 2.6%. Using its investors money, the company is inefficient in making profit. -1
The TTM is 2.9%. Using its investors money, the company is inefficient in making profit. -1

Trends

Current period		Compared to		+/-
MRQ	2.6%	TTM	2.9%	-0.3%
TTM	2.9%	YOY	2.6%	+0.3%
TTM	2.9%	5Y	2.6%	+0.2%
5Y	2.6%	10Y	2.4%	+0.2%

Compared to industry (Banks - Regional)

Period	Company	Industry (mean)	+/-
MRQ	2.6%	1.4%	+1.2%
TTM	2.9%	2.5%	+0.4%
YOY	2.6%	2.7%	-0.1%
5Y	2.6%	2.5%	+0.1%
10Y	2.4%	2.8%	-0.4%

Shows how efficient Home Bancorp Inc is using its investors money to generate profit.

A publicly traded company (any company that issues shares to the public) is owned by its shareholders. Return on equity calculates the amount of profit for every $1 the shareholders invested.

How to use return on equity

Higher is better.
Above 15%-20% is considered healthy but always compare Home Bancorp Inc to the Banks - Regional industry mean.
Can be very different between industries.
Can be used to compare companies.

Why do investors use return on equity in their analysis

To find out the owners/management's attitude toward their company. You typically want the owners/management to invest in the company and focus on generating profit. If not enough profit is generated (compared to the Banks - Regional industry mean), the company might not be investing their money efficiently.

The three steps every investor should look at:

What is the current return on equity?
The current most recent quarter (MRQ) Return on Equity of Home Bancorp Inc is 2.6%. This means Home Bancorp Inc generated $0.03 for each $1 the owners (shareholders) invested.
How does it compare to the industry?
The mean MRQ Return on Equity of the Banks - Regional industry is 1.4%.
What is the trend?
The trend is important because it shows you how Home Bancorp Inc is performing over time. The most recent quarter might be important if Home Bancorp Inc released a new product or service. And you can use MRQ to see if they performed better vs last year. You can find all the trends for Home Bancorp Inc up to 10 years back (depending if Home Bancorp Inc existed 10 years ago) when you exit this learning section.

Things to be aware of

Only compare with other companies in the same industry.
Does not include intangible assets (non physical assets like licences, computer software, etc.).
Stockholders equity and shareholders equity refer to the same thing.
Liabilities should not be more than three times return on equity.

How to calculate return on equity

Return on equity = net profit / shareholders equity * 100%

Real example of Home Bancorp Inc

You need the following data to determine ROE:

Income statement
Balance sheet
Net profit MRQ (income statement) Home Bancorp Inc = 9,385
Shareholders equity (balance sheet) MRQ Home Bancorp Inc = 367,444
9,385 / 367,444 = 0.03 or 2.6%

A negative shareholder equity is a warning sign. It means the company has more liabilities than assets. It might also mean that the owners did not invest enough money or they are taking money out of the business.

1.2. Operating Efficiency of Home Bancorp Inc.

1.2. Operating Efficiency

1.2.1. Operating Margin

Measures how efficient Home Bancorp Inc is operating .

Measures how much profit Home Bancorp Inc makes for each $1 of sales after paying variable costs (production costs, wages, etc) but before taxes.
Above 15% is considered healthy but always compare Home Bancorp Inc to the Banks - Regional industry mean.
An Operating Margin of 0.0% means the company generated $0.00 for each $1 in revenue (before taxes).

Let's take a look of the Operating Margin trends of Home Bancorp Inc:

The MRQ is 0.0%. The data is not here.

Trends

Current period		Compared to		+/-
MRQ	-	TTM	40.1%	-40.1%
TTM	40.1%	YOY	37.3%	+2.9%
TTM	40.1%	5Y	38.1%	+2.1%
5Y	38.1%	10Y	35.2%	+2.9%

Measures how efficient Home Bancorp Inc is operating .

The more effecient a company creates products or provides services, the more profit it generates.

How to use operating margin

Higher is better
Above 15% is considered healthy but always compare Home Bancorp Inc to the Banks - Regional industry mean.
Can be very different between industries
Can be used to compare companies

Why do investors use operating margin in their analysis

To determine how much profit Home Bancorp Inc is making from it’s core business.

The three steps every investor should look at:

What is the current net profit margin?
The current most recent quarter (MRQ) Operating Margin of Home Bancorp Inc is 0.0%. This means that Home Bancorp Inc earned $0.00 for each $1 in revenue in the most recent quarter.
How does it compare to the industry?
The mean MRQ Operating Margin of the Banks - Regional industry is .
What is the trend?
The trend is important because it shows you how Home Bancorp Inc is performing over time. The most recent quarter might be important if Home Bancorp Inc released a new product or service. And you can use MRQ to see if they performed better vs last year. You can find all the trends for Home Bancorp Inc up to 10 years back (depending if the company existed 10 years ago) when you exit this learning section.

Things to be aware of

Only compare with other companies in the same industry
Can be calculated in different ways

How to calculate operating margin

Operating margin = operating earnings / total revenue

Real example of Home Bancorp Inc

You need the following data to determine operating margin:

Income statement
Operating earnings MRQ Home Bancorp Inc = 0
Total revenue MRQ Home Bancorp Inc = 46,841
$0 / $46,841 = 0.00 or 0.0%

Operating margin is used to calculate how much profit a company makes after variable costs of production but before paying interest and taxes. Some variable costs examples are wages, raw materials, packaging, and transaction fees. The amount of variable costs is different for each company and industry. In general, a higher operating margin is better as this implicates that a company is running efficiently.

For investors, a higher operating margin is a good sign. Although you should always look at operating margin in the long term. If operating margin is fluctuating over the years this might be a sign that things are not running efficiently enough. It’s a way to check how much profit a company is making from its core business.

Operation earnings can be calculated in multiple ways:

Operation earnings = EBIT - non operating income + non operating expense
Operation earnings = Gross profit - operating expense - depreciation and amortisation
Operation earnings = Total revenue - COGS (costs of goods sold) - indirect costs

1.2.2. Operating Ratio

Measures how efficient Home Bancorp Inc is keeping operating costs low.

Below 1 is considered healthy (always compare to Banks - Regional industry mean).
An Operation Ratio of 0.14 means that the operating costs are $0.14 for each $1 in net sales.

Let's take a look of the Operating Ratio trends of Home Bancorp Inc:

The MRQ is 0.137. The company is very efficient in keeping operating costs low. +2
The TTM is -0.046.

Trends

Current period		Compared to		+/-
MRQ	0.137	TTM	-0.046	+0.183
TTM	-0.046	YOY	-0.179	+0.133
TTM	-0.046	5Y	-0.032	-0.014
5Y	-0.032	10Y	8.792	-8.823

Measures how efficient Home Bancorp Inc is keeping operating costs low.

If the operating ratio is below 1 that means the company is making money. The lower the operating ratio, the more efficient the company.

How to use operating ratio

Lower is better.
Below 1 is considered healthy but always compare Home Bancorp Inc to the Banks - Regional industry mean.
Can be very different between industries.
Can be used to compare companies.

Why do investors use operating ratio in their analysis

Shows if costs of creating products and or services is increasing or decreasing. The lower the operating ratio, the more efficient the company is creating products and services.

The three steps every investor should look at:

What is the current Operatin ratio?
The current most recent quarter (MRQ) Operating Ratio of Home Bancorp Inc is 13.7%. This means that Home Bancorp Inc earned $0.14 for each $1 in net sales in the most recent quarter.
How does it compare to the industry?
The mean MRQ Operating Ratio of the Banks - Regional industry is .
What is the trend?
The trend is important because it shows you how Home Bancorp Inc is performing over time. The most recent quarter might be important if Home Bancorp Inc released a new product or service. And you can use MRQ to see if they performed better vs last year. You can find all the trends for Home Bancorp Inc up to 10 years back (depending if the company existed 10 years ago) when you exit this learning section.

Things to be aware of

Only compare with other companies in the same industry.
You need COGS to calculate operating ratio which is not always shown in the income statement.
Does not consider debt.

How to calculate operating ratio

Operating ratio = Operating expenses + COGS \ Net sales

Real life example Home Bancorp Inc

You need the following data to determine operating ratio:

Income statement

COGS is not always specified on the income statement. If so you can use the following calculation:

(cost of revenue + total operating expenses) \ total revenue
(0 +6,422) \ 46,841 = 0.14

The operating ratio measures the efficiency of a company at keeping low costs while generating profits from sales. It compares the total operating expenses to the net amount of sales. The total operating expenses exists of:

COGS (materials, labour, rent of facility, repairs)
Operating expenses (legal fees, marketing, wages, rent, maintenance/repairs)

Operating expenses are all the costs the company makes that are not directly tied to the production of the service or product. Where COGS are costs that are directly tied to the production of a product or service.

Do note that COGS is not always available in the income statement. Some companies include COGS in the operating expenses while others list COGS separately. To make it even more confusing, COGS is also known as “costs of sales” and costs of sales is the same as costs of revenue.

The operating ratio tells you how efficient the company is creating its products or services while keeping prices low. In this case, a lower ratio is better. Higher or rising operating ratios might tell you that costs are rising while sales are not improving or staying the same.

1.3. Liquidity of Home Bancorp Inc.

1.3. Liquidity

1.3.1. Current Ratio

Measures if Home Bancorp Inc is able to pay off Short-term Debt.

Above 1.5 is considered healthy (always compare to Banks - Regional industry mean).
A Current Ratio of 0.04 means the company has $0.04 in assets for each $1 in short-term debts.

Let's take a look of the Current Ratio trends of Home Bancorp Inc:

The MRQ is 0.037. The company is unable to pay all its short-term debts. -2
The TTM is 12.182. The company is very able to pay all its short-term debts. +2

Trends

Current period		Compared to		+/-
MRQ	0.037	TTM	12.182	-12.145
TTM	12.182	YOY	27.459	-15.277
TTM	12.182	5Y	52.231	-40.050
5Y	52.231	10Y	3,408.521	-3,356.289

Compared to industry (Banks - Regional)

Period	Company	Industry (mean)	+/-
TTM	12.182	0.124	+12.058
YOY	27.459	0.225	+27.234
5Y	52.231	0.219	+52.012
10Y	3,408.521	0.131	+3,408.390

Measures if Home Bancorp Inc is able to pay off Short-term Debt.

How to use current ratio

Higher is better
Above 1.5 is considered healthy (always compare to Banks - Regional industry mean).
Can be very different between industries
Can be used to compare companies

Why do investors use current ratio in their analysis

Shows if the company can pay of short term debts if needed. A company that can't pay off it's short term debts might get in trouble if they have to pay off their short term debts for whatever reason. For example, markets can change due to global events like covid-19 or the war in Ukraine versus Russia. Because debts are always taken based on future income, it might become troublesome for Home Bancorp Inc if something happens in the market that will cause sales to plummet.

The three steps every investor should look at:

What is the current current Ratio?
The current most recent quarter (MRQ) Current Ratio of Home Bancorp Inc is 0.04. This means Home Bancorp Inc has $0.04 in assets for each $1 in short-term debts.
How does it compare to the industry?
The mean MRQ Current Ratio of the Banks - Regional industry is .
What is the trend?
The trend is important because it shows you how Home Bancorp Inc is performing over time. The most recent quarter might be important if Home Bancorp Inc released a new product or service. And you can use MRQ to see if they performed better vs last year. You can find all the trends for Home Bancorp Inc up to 10 years back (depending if the company existed 10 years ago) when you exit this learning section.

Things to be aware of

Only compare with other companies in the same industry.
Might be deluded.
Not all assets can always be quickly sold.
Can be manipulated by increasing or decreasing the assets and/or liabilities.

How to calculate current ratio

Current ratio = current assets \ current liabilities

Real life example Home Bancorp Inc

You need the following data to determine operating ratio:

Balance sheet
Current ratio = current assets \ current liabilities
91,054 \ 2,494,386) = 0.04

The current ratio measures if Home Bancorp Inc is able to pay short-term debts (obligations). Short term in this context means all debt obligations that are about to expire within one year. The current ratio incorporates current liabilities and current assets. Current assets are all the assets a company has that are expected to be consumed or sold within standard business operations. You can find the current assets in the balance sheet. They consist of:

Inventory
Accounts receivable
Marketable securities
Prepaid expenses
Cash
Cash equivalents
liquid assets

The current liabilities are short term obligations that are due within one year. These consist of:

Short term debts
Dividends
Income taxes
Short-term debts
Accounts payable
Interest payments

The result shows an investor if Home Bancorp Inc is able to pay all its short-term debts if they were due all at once. When the result of the above formula is below 1, then Home Bancorp Inc does not have enough capital after selling all its assets to pay all short-term debts. If the ratio drops far below 1 that might indicate Home Bancorp Inc is or will be in financial trouble anytime soon.

Although this gives an investor some clues, the current ratio may also be deluded. Because owning assets does not mean the company can easily sell them. Also, Accounts receivable may be quite old (they will probably never pay) which deludes the current ratio. As with all ratios, you should only compare them between the same industries and companies.

1.3.2. Quick Ratio

Measures if Home Bancorp Inc is able to pay off Short-term Debt but only using the most liquid assets.

Above 1 is considered healthy but always compare Home Bancorp Inc to the Banks - Regional industry mean.
A Quick Ratio of 0.14 means the company can pay off $0.14 for each $1 in debt (using most liquid assets).

Let's take a look of the Quick Ratio trends of Home Bancorp Inc:

The MRQ is 0.144. The company is just not able to pay all its short-term debts with the most liquid assets. -1
The TTM is 21.050. The company is very able to pay all its short-term debts with the most liquid assets. +2

Trends

Current period		Compared to		+/-
MRQ	0.144	TTM	21.050	-20.907
TTM	21.050	YOY	41.418	-20.368
TTM	21.050	5Y	29.267	-8.217
5Y	29.267	10Y	27.601	+1.666

Measures if Home Bancorp Inc is able to pay off Short-term Debt but only using the most liquid assets.

How to use quick ratio

Higher is better.
Above 1 is considered healthy but always compare Home Bancorp Inc to the Banks - Regional industry mean.
Can be very different between industries.
Can be used to compare companies.

Why do investors use quick ratio in their analysis

Shows how fast Home Bancorp Inc can pay off its short term debts. This shows if Home Bancorp Inc can survive emergencies due to market changes or other reasons.

The three steps every investor should look at:

What is the current Quick Ratio?
The current most recent quarter (MRQ) quickRatio of Home Bancorp Inc is 0.14. This means that Home Bancorp Inc can pay off $0.14 for each $1 in debt (using most liquid assets).
How does it compare to the industry?
The mean MRQ Quick Ratio of the Banks - Regional industry is .
What is the trend?
The trend is important because it shows you how Home Bancorp Inc is performing over time. The most recent quarter might be important if Home Bancorp Inc released a new product or service. And you can use MRQ to see if they performed better vs last year. You can find all the trends for Home Bancorp Inc up to 10 years back (depending if the company existed 10 years ago) when you exit this learning section.

Things to be aware of

Only compare with other companies in the same industry.
Incorporates only most liquid assets.

How to calculate quick ratio

Quick ratio = cash and equivalents + marketable securities + accounts receivable / current liabilities

Real life example Home Bancorp Inc

You need the following data to determine operating ratio:

Balance sheet
Quick ratio = cash and short-term investments + short-term investments + netReceivables / total current liabilities
MRQ quick ratio Home Bancorp Inc: (-75,831 + 433,926 +0) / 2,494,386 = 0.14

The quick ratio measures the same thing as the current ratio, only it uses the most liquid assets a company has. Meaning, the assets that can be sold for cash the easiest and fastest.

As the quick ratio only incorporates the most liquid assets, you should also check the current ratio which also includes less liquid assets. But they may be harder to sell.

1.4. Solvency of Home Bancorp Inc.

1.3. Liquidity

1.4.1. Debt to Asset Ratio

Measures how much % of Home Bancorp Inc assets are financed with debt.

Below 1 (100%) is considered healthy but always compare Home Bancorp Inc to Banks - Regional industry mean.
A Debt to Asset Ratio of 0.89 means that Home Bancorp Inc assets are financed with 89.0% credit (debt) and the remaining percentage (100% - 89.0%) is financed by its owners/shareholders.

Let's take a look of the Debt to Asset Ratio trends of Home Bancorp Inc:

The MRQ is 0.890. The company is just able to pay all its debts by selling its assets.
The TTM is 0.894. The company is just able to pay all its debts by selling its assets.

Trends

Current period		Compared to		+/-
MRQ	0.890	TTM	0.894	-0.004
TTM	0.894	YOY	0.900	-0.006
TTM	0.894	5Y	0.881	+0.013
5Y	0.881	10Y	0.880	+0.001

Compared to industry (Banks - Regional)

Period	Company	Industry (mean)	+/-
MRQ	0.890	0.915	-0.025
TTM	0.894	0.917	-0.023
YOY	0.900	0.919	-0.019
5Y	0.881	0.919	-0.038
10Y	0.880	0.927	-0.047

Measures how much % of Home Bancorp Inc assets are financed with debt.

When there are more debts than assets, that means creditors have a larger stake Home Bancorp Inc than its shareholders.

How to use debt to asset ratio

Lower is better.
below 1 (100%) is considered healthy but always compare Home Bancorp Inc to Banks - Regional industry mean.
Can be very different between industries.
Can be used to compare companies.

Why do investors use the debt to asset ratio in their analysis

It shows how much debt the company used to finance its assets. If a company is almost entirely financed with debt that means the company might get into serious trouble when emergencies arise like a raise in interest.

The three steps every investor should look at:

What is the current debt to asset ratio?
The current most recent quarter (MRQ) Debt to Asset Ratio of Home Bancorp Inc is 0.89. This means means that Home Bancorp Inc is financed with 89.0% credit and the remaining percentage is financed by it's owners (shareholders).
How does it compare to the industry?
The mean MRQ Current Ratio of the Banks - Regional industry is .
What is the trend?
The trend is important because it shows you how Home Bancorp Inc is performing over time. The most recent quarter might be important if Home Bancorp Inc released a new product or service. And you can use MRQ to see if they performed better vs last year. You can find all the trends for Home Bancorp Inc up to 10 years back (depending if the company existed 10 years ago) when you exit this learning section.

Things to be aware of

Only compare with other companies in the same industry
Some companies can have higher debt to assets ratio's (for example, banks).
Debt to asset ratio should improve over the years.
If the debt to asset ratio is above 1, look at the industry mean and find out why Home Bancorp Inc has so much debt.

How to calculate debt to asset ratio

Debt to asset ratio = total debt \ total assets

Real life example Home Bancorp Inc

You need the following data to determine debt to asset ratio:

Balance sheet
Debt to asset ratio = total debt \ total assets
2,957,952 \ 3,325,396 = 89.0% or 0.89.

The debt to total assets ratio shows if the company is owned by creditors or shareholders. Or in other words, the total debt in relation to the total amount of assets. It shows how much debt the company used to finance its assets.

1.4.2. Debt to Equity Ratio

Measures if Home Bancorp Inc is able to pay off its debts by using shareholders equity.

Below 2 is considered healthy but always compare Home Bancorp Inc to the Banks - Regional industry mean.
A Debt to Equity ratio of 805.0% means that company has $8.05 debt for each $1 in shareholders equity.

Let's take a look of the Debt to Equity Ratio trends of Home Bancorp Inc:

The MRQ is 8.050. The company is unable to pay all its debts with equity. -1
The TTM is 8.408. The company is unable to pay all its debts with equity. -1

Trends

Current period		Compared to		+/-
MRQ	8.050	TTM	8.408	-0.357
TTM	8.408	YOY	8.969	-0.562
TTM	8.408	5Y	7.528	+0.880
5Y	7.528	10Y	7.417	+0.111

Compared to industry (Banks - Regional)

Period	Company	Industry (mean)	+/-
MRQ	8.050	10.829	-2.779
TTM	8.408	11.013	-2.605
YOY	8.969	11.363	-2.394
5Y	7.528	11.437	-3.909
10Y	7.417	13.038	-5.621

Measures if Home Bancorp Inc is able to pay off its debts by using shareholders equity.

How to use debt to equity ratio

Lower is better.
Below 2 is considered healthy (always use industry average).
Can be very different between industries.
Can be used to compare companies.

Why do investors use the debt to shareholders equity ratio in their analysis

It shows how much debt the company uses to finance their operations. Shareholders equity is whats left over when you subtract total liabilities from total assets. It's another way to meassure how much of Home Bancorp Inc is financed with debt or own resources.

The three steps every investor should look at:

What is the current debt to equity ratio?
The current most recent quarter (MRQ) quickRatio of Home Bancorp Inc is 8.05. This means that Home Bancorp Inc can pay off $8.05 for each $1 in debt.
How does it compare to the industry?
The mean MRQ Quick Ratio of the Banks - Regional industry is 10.83.
What is the trend?
The trend is important because it shows you how Home Bancorp Inc is performing over time. The most recent quarter might be important if Home Bancorp Inc released a new product or service. And you can use MRQ to see if they performed better vs last year. You can find all the trends for Home Bancorp Inc up to 10 years back (depending if the company existed 10 years ago) when you exit this learning section.

Things to be aware of

Only compare with other companies in the same industry.
Not all debt is equally risky (for example, short term risk is less risky).

How to calculate debt to equity ratio

Debt to equity ratio = total debt \ shareholders equity.

Real life example Home Bancorp Inc

You need the following data to determine equity ratio:

Balance sheet
Debt to equity ratio = total debt \ shareholders equity
2,957,952 \ 367,444 = 8.05 or 805.0%

Debt to equity measures the total debt versus the total shareholders equity. While the total debts to total assets ratio uses total assets, the debt to equity ratio looks at the total equity of shareholders. Where equity of shareholders are:

Common shares.
Preferred shares.
Retained earnings.

You can find the shareholders' equity in the balance sheet. A ratio between 0,5 and 1,5 is preferred. If the ratio is above 1.5, that would indicate creditors have significantly more stake (debt) in the company than the shareholders. In other words, the company is using a lot of debt to finance their operations.

Not all debt is equally risky. Meaning you can adjust the ratio by including or excluding certain amounts of debt. Short term debts are less risky because they have to be paid back within one year anyway. It’s much easier to plan one year ahead versus five or ten years.

2. Market Valuation of Home Bancorp Inc

2.1. Earnings Per Share

2.1. Price to Earnings Ratio

Measures how much money you pay for each share for every $1 in earnings Home Bancorp Inc generates.

Above 15 is considered overpriced but always compare Home Bancorp Inc to the Banks - Regional industry mean.
A PE ratio of 9.12 means the investor is paying $9.12 for every $1 in earnings.

Let's take a look of the Price to Earnings Ratio trends of Home Bancorp Inc:

The EOD is 7.919. Based on the earnings, the company is underpriced. +1
The MRQ is 9.120. Based on the earnings, the company is underpriced. +1
The TTM is 7.160. Based on the earnings, the company is cheap. +2

Trends

Current period		Compared to		+/-
EOD	7.919	MRQ	9.120	-1.200
MRQ	9.120	TTM	7.160	+1.960
TTM	7.160	YOY	10.650	-3.490
TTM	7.160	5Y	10.562	-3.402
5Y	10.562	10Y	13.683	-3.121

Compared to industry (Banks - Regional)

Period	Company	Industry (mean)	+/-
EOD	7.919	7.498	+0.421
MRQ	9.120	6.680	+2.440
TTM	7.160	5.295	+1.865
YOY	10.650	6.943	+3.707
5Y	10.562	9.770	+0.792
10Y	13.683	9.943	+3.740

Measures how much money you pay for each share for every $1 in earnings Home Bancorp Inc generates.

Indicates if the company’s shares are under or overvalued.

How to use PE ratio

Above 15 is considered overpriced but is hard to determine. Always compare Home Bancorp Inc to the Banks - Regional industry mean.
Can be very different between industries.
Can be used to compare companies.

Why do investors use PE ratio in their analysis

The PE ratio tells investors the current sentiment in the market for that company. As with every stock, the stock price never shows the real valuation of a company but rather how the market thinks how much the stock is worth.

In other words, the current stock price also incorporates any future earnings or business opportunities in the future. The best example is the stock market crash in 2000. The PE ratio for any internet based company was going through the roof. Only based on the general assumption the internet and all associated businesses would thrive in the future. But this was based on nothing. A business still needs a good product or service to be able to survive. Instead, every investor bought any stock which did something related to the internet. Result: huge market crash.

Many investors were willing to pay premium prices and that was causing the PE ratio to rise. A high PE ratio is a warning sign that investors might be overvaluing a stock based on future earnings.

The three steps every investor should look at:

What is the current PE Ratio?
The current most recent quarter (MRQ) PE Ratio of Home Bancorp Inc is 9.12. This means the investor is paying $9.12 for every $1 in earnings.
How does it compare to the industry?
The mean MRQ Quick Ratio of the Banks - Regional industry is 6.68.
What is the trend?
The trend is important because it shows you how Home Bancorp Inc is performing over time. The most recent quarter might be important if Home Bancorp Inc released a new product or service. And you can use MRQ to see if they performed better vs last year. You can find all the trends for Home Bancorp Inc up to 10 years back (depending if the company existed 10 years ago) when you exit this learning section.

Things to be aware of

Only compare with other companies in the same industry.
Some industries might have very high or very low PE ratios in general.
PE ratios can be high for several years, it does not mean a sudden collapse is imminent.
Earnings growth is not included in the PE ratio.

How to calculate PE ratio

PE ratio = market value per share \ earnings per share

Real life example Home Bancorp Inc

You need the following data to determine the PE ratio:

Balance sheet
Income statement

The PE ratio is a very commonly used ratio to determine the value of a company by comparing the current stock price relative to its earnings per share (EPS). Before we can calculate the PE ratio we need to know the EPS. EPS is calculated as follows:

EPS = (net profit - preferred dividends) \ end of period outstanding shares*
Net profit = revenue - expenses
0 \ 8,008 = EPS
PE ratio MRQ = 9.12

* The net profit minus preferred dividends can be found in the incomestatement as netIncomeApplicableToCommonShares.

The PE value helps investors to determine if the current stock price is under or overvalued. It also projects future growth.

In general, a higher PE ratio means that investors predict higher future growth. If the PE ratio is too high, then investors expect way too much future growth the company can never fulfil. This is most likely to happen in faster moving companies like tech companies or automobile companies like Tesla. These are hot and booming markets where investors expect much future growth driven by new technology (electric cars). When looking at the current MRQ (most recent quarter) PE ratio of Tesla ( jan. 2021) it's about 247 while the average in the industry is only 6. That might be a clue that Tesla is trading for way too high prices compared to their current assets and is more based on future growth.

2.2. Price To Free Cash Flow Ratio

Let's take a look of the Price To Free Cash Flow Ratio trends of Home Bancorp Inc:

The EOD is 7.974. Based on how much money comes from the company's main activities, the company is cheap. +2
The MRQ is 9.183. Based on how much money comes from the company's main activities, the company is cheap. +2
The TTM is 7.644. Based on how much money comes from the company's main activities, the company is cheap. +2

Trends

Current period		Compared to		+/-
EOD	7.974	MRQ	9.183	-1.209
MRQ	9.183	TTM	7.644	+1.539
TTM	7.644	YOY	21.475	-13.831
TTM	7.644	5Y	10.554	-2.910
5Y	10.554	10Y	-40.070	+50.624

Compared to industry (Banks - Regional)

Period	Company	Industry (mean)	+/-
EOD	7.974	-2.096	+10.070
MRQ	9.183	-1.868	+11.051
TTM	7.644	-0.342	+7.986
YOY	21.475	6.448	+15.027
5Y	10.554	0.429	+10.125
10Y	-40.070	0.091	-40.161

2. Book Value per Share

2.3. Price to Book Ratio

Measures if the stock price of Home Bancorp Inc is to cheap or to expensive compared to its book value.

At or below 1 is considered healthy (always compare to Banks - Regional industry mean).
A PB ratio of 0.93 means the investor is paying $0.93 for each $1 in book value.

Let's take a look of the Price to Book Ratio trends of Home Bancorp Inc:

The EOD is 0.809. Based on the equity, the company is cheap. +2
The MRQ is 0.932. Based on the equity, the company is cheap. +2
The TTM is 0.811. Based on the equity, the company is cheap. +2

Trends

Current period		Compared to		+/-
EOD	0.809	MRQ	0.932	-0.123
MRQ	0.932	TTM	0.811	+0.120
TTM	0.811	YOY	0.960	-0.149
TTM	0.811	5Y	0.907	-0.095
5Y	0.907	10Y	1.132	-0.225

Compared to industry (Banks - Regional)

Period	Company	Industry (mean)	+/-
EOD	0.809	0.433	+0.376
MRQ	0.932	0.386	+0.546
TTM	0.811	0.470	+0.341
YOY	0.960	0.642	+0.318
5Y	0.907	0.795	+0.112
10Y	1.132	1.025	+0.107

2. Total Gains per Share

3. Holders & Insider Transactions

Let's take a look at which institutions, funds and insiders are holding shares of Home Bancorp Inc.

3.1. Institutions holding Home Bancorp Inc

Institutions are holding 44.21% of the shares of Home Bancorp Inc.

Date	Name	Total Shares	Total Assets	Current Shares	Change	%
2023-09-30	FJ Capital Management LLC	9.6681	2.8425	788106	28642	3.7713
2023-12-31	BlackRock Inc	5.6724	0.0005	462393	44372	10.6148
2023-12-31	Dimensional Fund Advisors, Inc.	4.6972	0.0047	382901	11623	3.1305
2023-12-31	Vanguard Group Inc	4.4363	0.0003	361629	2559	0.7127
2023-12-31	Geode Capital Management, LLC	1.8607	0.0007	151681	9608	6.7627
2023-12-31	State Street Corporation	1.7199	0.0003	140201	-17819	-11.2764
2023-12-31	Renaissance Technologies Corp	1.3062	0.0069	106473	-1400	-1.2978
2023-12-31	Northern Trust Corp	1.0383	0.0006	84635	3225	3.9614
2023-12-31	Maltese Capital Management LLC	1.0329	0.9964	84200	0	0
2023-12-31	Spire Wealth Management	0.974	0.1056	79397	536	0.6797
2023-12-31	Hotchkis & Wiley Capital Management LLC	0.9103	0.0111	74207	-5553	-6.9621
2023-12-31	Goss Wealth Management LLC	0.7793	0.0251	63526	-33063	-34.2306
2023-12-31	Bridgeway Capital Management, LLC	0.6757	0.0496	55078	2112	3.9875
2023-12-31	Acadian Asset Management LLC	0.6221	0.0083	50715	0	0
2023-12-31	Goldman Sachs Group Inc	0.5369	0.0002	43764	21881	99.9909
2023-12-31	Crawford Fund Management, LLC	0.5118	0.3484	41718	41718	0
2023-12-31	American Century Companies Inc	0.4429	0.001	36100	-6	-0.0166
2023-12-31	Bank of New York Mellon Corp	0.4284	0.0003	34923	-21706	-38.3302
2023-12-31	GlobeFlex Capital, L.P.	0.4035	0.1411	32889	0	0
2024-03-31	Cullen Investment Group Ltd	0.3944	0.1864	32151	3454	12.0361
Total		38.1113	4.73	3106687	+90183	+2.9%

3.2. Funds holding Home Bancorp Inc

Date	Name	Total Shares	Total Assets	Current Shares	Change	%
2024-02-29	Vanguard Total Stock Mkt Idx Inv	2.5313	0.0005	206339	0	0
2024-03-28	iShares Russell 2000 ETF	2.3761	0.0113	193687	93	0.048
2024-02-29	Vanguard Institutional Extnd Mkt Idx Tr	1.35	0.004	110046	0	0
2024-02-29	DFA US Small Cap Value I	1.1241	0.0219	91629	1788	1.9902
2024-01-31	Fidelity Small Cap Index	0.876	0.0115	71408	837	1.186
2024-03-28	iShares Russell 2000 Value ETF	0.827	0.0206	67416	-43	-0.0637
2024-02-29	DFA US Targeted Value I	0.6915	0.0161	56371	0	0
2024-02-29	Fidelity Extended Market Index	0.4763	0.0037	38828	-188	-0.4819
2024-02-29	DFA US Micro Cap I	0.4413	0.0184	35974	0	0
2024-02-29	State St Russell Sm/Mid Cp® Indx NL Cl C	0.4339	0.0031	35369	1100	3.2099
2024-02-29	DFA US Small Cap I	0.4155	0.008	33870	0	0
2024-03-29	Avantis US Small Cap Value ETF	0.4102	0.0118	33441	0	0
2023-12-31	Bridgeway Omni Small-Cap Value	0.3741	0.0998	30494	0	0
2023-12-31	Bridgeway Omni Small-Cap Value N	0.3741	0.1	30494	0	0
2024-03-29	Dimensional US Targeted Value ETF	0.3443	0.0107	28066	0	0
2024-03-28	EA Bridgeway Omni Small-Cap Value ETF	0.3252	0.0825	26509	0	0
2024-03-31	State St Russell Sm Cap® Indx SL Cl I	0.3245	0.0104	26456	0	0
2024-02-29	Vanguard Russell 2000 ETF	0.3221	0.0101	26258	2136	8.855
2023-12-31	NT R2000 Value Index Fund - NL	0.2434	0.0221	19842	-645	-3.1483
2024-02-29	DFA US Core Equity 2 I	0.2424	0.0022	19761	0	0
Total		14.5033	0.4687	1182258	+5078	+0.4%

3.3. Insider Transactions

Insiders are holding 13.773% of the shares of Home Bancorp Inc.

Date	Owner	Type	Amount	Price
2023-12-14	David T Kirkley	SELL	1150	39.99
2023-06-13	David T Kirkley	SELL	2200	34.82
2023-04-21	Chris P Rader	BUY	334	32.9

4. Summary

4.1. Key Performance Indicators

The key performance indicators of Home Bancorp Inc compared to the Most Recent Quarter (MRQ).

	End of day	+/-	Most Recent Quarter	Trailing 12 Months	+/-	Year-Over-Year	+/-	5 Year	+/-	10 Year	+/-
Book Value Change Per Share	-	-	2.713	1.150	+136%	-0.437	+116%	0.621	+337%	0.692	+292%
Book Value Per Share	-	-	45.089	43.071	+5%	40.090	+12%	38.789	+16%	31.095	+45%
Current Ratio	-	-	0.037	12.182	-100%	27.459	-100%	52.231	-100%	3408.521	-100%
Debt To Asset Ratio	-	-	0.890	0.894	0%	0.900	-1%	0.881	+1%	0.880	+1%
Debt To Equity Ratio	-	-	8.050	8.408	-4%	8.969	-10%	7.528	+7%	7.417	+9%
Dividend Per Share	-	-	0.250	0.252	-1%	0.237	+5%	0.233	+7%	0.230	+9%
Eps	-	-	1.152	1.234	-7%	1.042	+11%	1.040	+11%	0.775	+49%
Free Cash Flow Per Share	-	-	1.144	1.192	-4%	1.485	-23%	1.342	-15%	1.089	+5%
Free Cash Flow To Equity Per Share	-	-	-1.330	2.460	-154%	-0.684	-49%	5.055	-126%	2.655	-150%
Gross Profit Margin	-	-	0.919	0.945	-3%	0.929	-1%	0.941	-2%	0.940	-2%
Intrinsic Value_10Y_max	-	-	62.795	-	-	-	-	-	-	-	-
Intrinsic Value_10Y_min	-	-	-80.055	-	-	-	-	-	-	-	-
Intrinsic Value_1Y_max	-	-	5.770	-	-	-	-	-	-	-	-
Intrinsic Value_1Y_min	-	-	2.267	-	-	-	-	-	-	-	-
Intrinsic Value_3Y_max	-	-	17.734	-	-	-	-	-	-	-	-
Intrinsic Value_3Y_min	-	-	-2.061	-	-	-	-	-	-	-	-
Intrinsic Value_5Y_max	-	-	30.179	-	-	-	-	-	-	-	-
Intrinsic Value_5Y_min	-	-	-16.077	-	-	-	-	-	-	-	-
Market Cap	297286828.800	-15%	342352513.100	285470329.300	+20%	315169989.050	+9%	298605713.170	+15%	284025374.710	+21%
Net Profit Margin	-	-	0.200	0.276	-27%	0.252	-21%	0.289	-31%	0.255	-22%
Operating Margin	-	-	-	0.401	-100%	0.373	-100%	0.381	-100%	0.352	-100%
Operating Ratio	-	-	0.137	-0.046	+133%	-0.179	+230%	-0.032	+123%	8.792	-98%
Pb Ratio	0.809	-15%	0.932	0.811	+15%	0.960	-3%	0.907	+3%	1.132	-18%
Pe Ratio	7.919	-15%	9.120	7.160	+27%	10.650	-14%	10.562	-14%	13.683	-33%
Price Per Share	36.480	-15%	42.010	35.030	+20%	38.485	+9%	35.082	+20%	33.484	+25%
Price To Free Cash Flow Ratio	7.974	-15%	9.183	7.644	+20%	21.475	-57%	10.554	-13%	-40.070	+536%
Price To Total Gains Ratio	12.311	-15%	14.177	80.781	-82%	-35.022	+347%	58.911	-76%	53.429	-73%
Quick Ratio	-	-	0.144	21.050	-99%	41.418	-100%	29.267	-100%	27.601	-99%
Return On Assets	-	-	0.003	0.003	-7%	0.003	+8%	0.003	-10%	0.003	-2%
Return On Equity	-	-	0.026	0.029	-11%	0.026	-2%	0.026	-4%	0.024	+6%
Total Gains Per Share	-	-	2.963	1.402	+111%	-0.199	+107%	0.854	+247%	0.922	+222%
Usd Book Value	-	-	367444000.000	350998250.000	+5%	328309500.000	+12%	329456450.000	+12%	263677024.625	+39%
Usd Book Value Change Per Share	-	-	2.713	1.150	+136%	-0.437	+116%	0.621	+337%	0.692	+292%
Usd Book Value Per Share	-	-	45.089	43.071	+5%	40.090	+12%	38.789	+16%	31.095	+45%
Usd Dividend Per Share	-	-	0.250	0.252	-1%	0.237	+5%	0.233	+7%	0.230	+9%
Usd Eps	-	-	1.152	1.234	-7%	1.042	+11%	1.040	+11%	0.775	+49%
Usd Free Cash Flow	-	-	9320000.000	9711500.000	-4%	12123250.000	-23%	11378150.000	-18%	9220588.625	+1%
Usd Free Cash Flow Per Share	-	-	1.144	1.192	-4%	1.485	-23%	1.342	-15%	1.089	+5%
Usd Free Cash Flow To Equity Per Share	-	-	-1.330	2.460	-154%	-0.684	-49%	5.055	-126%	2.655	-150%
Usd Market Cap	297286828.800	-15%	342352513.100	285470329.300	+20%	315169989.050	+9%	298605713.170	+15%	284025374.710	+21%
Usd Price Per Share	36.480	-15%	42.010	35.030	+20%	38.485	+9%	35.082	+20%	33.484	+25%
Usd Profit	-	-	9385000.000	10060000.000	-7%	8518000.000	+10%	8781500.000	+7%	6585740.800	+43%
Usd Revenue	-	-	46841000.000	37352250.000	+25%	32974000.000	+42%	30274600.000	+55%	24621423.875	+90%
Usd Total Gains Per Share	-	-	2.963	1.402	+111%	-0.199	+107%	0.854	+247%	0.922	+222%
	EOD	+4 -4	MRQ	TTM	+13 -23	YOY	+23 -13	5Y	+18 -18	10Y	+23 -13

4.2. Fundamental Score

Let's check the fundamental score of Home Bancorp Inc based on Penke's default stock scanner.

Penke's Stock Scanner

Indicator	Condition		Value
Price to Earnings Ratio (EOD)	Between	0-15	7.919
Price to Book Ratio (EOD)	Between	0-1	0.809
Net Profit Margin (MRQ)	Greater than	0	0.200
Operating Margin (MRQ)	Greater than	0	0.000
Quick Ratio (MRQ)	Greater than	1	0.144
Current Ratio (MRQ)	Greater than	1	0.037
Debt to Asset Ratio (MRQ)	Less than	1	0.890
Debt to Equity Ratio (MRQ)	Less than	1	8.050
Return on Equity (MRQ)	Greater than	0.15	0.026
Return on Assets (MRQ)	Greater than	0.05	0.003
Total			4/10 (40.0%)

Create your own Stock Scanner

Investing is personal. The best investors buy stocks based on their own analysis. Create your personal Stock Scanner with the key performance indicators that are important to you.
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4.3. Technical Score

Let's check the technical score of Home Bancorp Inc based on Penke's default Symbol scanner.

Penke's Symbol Scanner

Indicator	Condition		Value
Rsi	Greater than	50	54.312
Ma 20	Greater than	Ma 50	36.009
Ma 50	Greater than	Ma 100	35.979
Ma 100	Greater than	Ma 200	38.062
Open	Greater than	Close	35.870
Total			3/5 (60.0%)

Create your own Symbol Scanner

Trading is personal. The best traders buy and sell based on their own technical analysis. Create your personal Symbol Scanner with the technical indicators that are important to you.
Create your own Symbol Scanner

Reversals in quarterly reports

I have detected a reversal (positive to negative, negative to positive) in the following values of the quarterly reports.

	2022-12-31		2023-03-31		2023-06-30		2023-09-30		2023-12-31
Other Current Liabilities	-184,380	-49,270	-233,650	206,301	-27,349	-4,012	-31,361	2,370,131	2,338,770
Long-term Assets Other	-21,230	-576,717	-597,947	17,443	-580,504	152,420	-428,084	3,474,124	3,046,040
Cash and Short Term Investments	574,268	-242	574,026	-27,658	546,368	-34,829	511,539	-587,370	-75,831
Net Working Capital	463,467	161,000	624,467	-20,218	604,249	-333,710	270,539	-2,673,871	-2,403,332

Latest Balance Sheet

Balance Sheet of 2023-12-31. Currency in USD. All numbers in thousands.

Summary

Total Assets	3,325,396
Total Liabilities	2,957,952
Total Stockholder Equity	367,444

	As reported
Total Liabilities	2,957,952
Total Stockholder Equity	+ 367,444
Total Assets	= 3,325,396

Assets

Total Assets	3,325,396
Total Current Assets	91,054
Long-term Assets	3,234,342

Total Current Assets

Total Current Assets (as reported)	91,054
Cash And Cash Equivalents	75,930
Short-term Investments	433,926
Total Current Assets (calculated)	509,856
+/-	418,802

Long-term Assets

Long-term Assets (as reported)	3,234,342
Property Plant Equipment	53,019
Goodwill	81,517
Long Term Investments	434,991
Intangible Assets	4,855
Long-term Assets Other	3,046,040
Long-term Assets (calculated)	3,620,422
+/-	386,080

Liabilities & Shareholders' Equity

Total Current Liabilities	2,494,386
Long-term Liabilities	463,566
Total Stockholder Equity	367,444

Total Current Liabilities

Total Current Liabilities (as reported)	2,494,386
Short-term Debt	155,616
Short Long Term Debt	150,000
Other Current Liabilities	2,338,770
Total Current Liabilities (calculated)	2,644,386
+/-	150,000

Long-term Liabilities

Long-term Liabilities (as reported)	463,566
Long term Debt	102,493
Long-term Liabilities (calculated)	102,493
+/-	361,073

Total Stockholder Equity

Total Stockholder Equity (as reported)	367,444
Common Stock	81
Retained Earnings	234,619
Accumulated Other Comprehensive Income	-31,382
Other Stockholders Equity	164,126
Total Stockholder Equity (calculated)	367,444
+/-	0

Other

Capital Stock	81
Cash and Short Term Investments	-75,831
Common Stock Shares Outstanding	8,008
Liabilities and Stockholders Equity	3,325,396
Net Debt	187,983
Net Invested Capital	619,937
Net Working Capital	-2,403,332
Property Plant and Equipment Gross	71,158
Short Long Term Debt Total	263,913

Balance Sheet

Currency in USD. All numbers in thousands.

Trend

2023-12-31

2023-09-30

2023-06-30

2023-03-31

2022-12-31

2022-09-30

2022-06-30

2022-03-31

2021-12-31

2021-09-30

2021-06-30

2021-03-31

2020-12-31

2020-09-30

2020-06-30

2020-03-31

2019-12-31

2019-09-30

2019-06-30

2019-03-31

2018-12-31

2018-09-30

2018-06-30

2018-03-31

2017-12-31

2017-09-30

2017-06-30

2017-03-31

2016-12-31

2016-09-30

2016-06-30

2016-03-31

2015-12-31

2015-09-30

2015-06-30

2015-03-31

2014-12-31

2014-09-30

2014-06-30

2014-03-31

2013-12-31

2013-09-30

2013-06-30

2013-03-31

2012-12-31

2012-09-30

2012-06-30

2012-03-31

2011-12-31

2011-09-30

2011-06-30

2011-03-31

2010-12-31

2010-09-30

2010-06-30

2010-03-31

2009-12-31

2009-09-30

2009-06-30

2009-03-31

2008-12-31

2008-09-30

2008-06-30

2008-03-31

2007-12-31

2007-09-30

2007-06-30

2007-03-31

2006-12-31

> Total Assets

400,484
0
0
0
422,351
430,053
448,093
503,045
528,397
532,895
527,443
533,410
524,636
696,740
709,318
698,481
700,423
700,475
717,400
972,173
963,789
979,554
988,516
974,310
962,926
977,025
971,764
961,896
984,241
1,239,172
1,259,009
1,259,746
1,221,415
1,233,856
1,234,807
1,557,910
1,551,912
1,544,121
1,545,049
1,549,542
1,556,732
1,583,497
1,574,181
1,587,362
2,229,076
2,206,854
2,159,976
2,140,530
2,153,658
2,202,675
2,220,386
2,218,040
2,200,465
2,248,601
2,636,896
2,579,200
2,591,850
2,707,517
2,764,756
2,763,466
2,938,244
3,332,228
3,362,216
3,167,666
3,228,280
3,266,970
3,290,153
3,317,729
3,325,396

3,325,396

3,317,729

3,290,153

3,266,970

3,228,280

3,167,666

3,362,216

3,332,228

2,938,244

2,763,466

2,764,756

2,707,517

2,591,850

2,579,200

2,636,896

2,248,601

2,200,465

2,218,040

2,220,386

2,202,675

2,153,658

2,140,530

2,159,976

2,206,854

2,229,076

1,587,362

1,574,181

1,583,497

1,556,732

1,549,542

1,545,049

1,544,121

1,551,912

1,557,910

1,234,807

1,233,856

1,221,415

1,259,746

1,259,009

1,239,172

984,241

961,896

971,764

977,025

962,926

974,310

988,516

979,554

963,789

972,173

717,400

700,475

700,423

698,481

709,318

696,740

524,636

533,410

527,443

532,895

528,397

503,045

448,093

430,053

422,351

400,484

> Total Current Assets

0
0
0
0
17,079
18,353
79,306,805
136,690,899
20,150,248
137,888,788
123,824,636
142,402,497
25,709,597
141,449,466
137,107,759
135,379,210
36,970,638
156,400,211
162,557,402
198,430,400
31,272,508
194,801,197
203,929,936
205,314,238
39,539,366
206,535,852
202,344,987
187,406,755
32,638,900
239,565,266
235,528,189
235,858,770
29,077,907
201,664,380
208,306,475
214,300,966
24,797,599
196,493,440
201,803,044
194,945,753
29,314,741
244,567,650
249,078,678
253,821,876
1,866,456
1,818,032
1,770,621
1,758,389
1,769,476
1,813,580
1,837,652
1,844,517
1,825,098
1,865,688
2,265,897
2,215,545
2,225,555
2,322,475
2,370,701
2,350,671
2,503,019
1,022,636
986,975
712,946
647,847
652,254
631,598
511,539
91,054

91,054

511,539

631,598

652,254

647,847

712,946

986,975

1,022,636

2,503,019

2,350,671

2,370,701

2,322,475

2,225,555

2,215,545

2,265,897

1,865,688

1,825,098

1,844,517

1,837,652

1,813,580

1,769,476

1,758,389

1,770,621

1,818,032

1,866,456

253,821,876

249,078,678

244,567,650

29,314,741

194,945,753

201,803,044

196,493,440

24,797,599

214,300,966

208,306,475

201,664,380

29,077,907

235,858,770

235,528,189

239,565,266

32,638,900

187,406,755

202,344,987

206,535,852

39,539,366

205,314,238

203,929,936

194,801,197

31,272,508

198,430,400

162,557,402

156,400,211

36,970,638

135,379,210

137,107,759

141,449,466

25,709,597

142,402,497

123,824,636

137,888,788

20,150,248

136,690,899

79,306,805

18,353

17,079

Cash And Cash Equivalents

27,399
0
0
0
15,013
16,139
17,127
61,181
21,835
51,309
41,112
49,305
29,239
23,493
29,089
30,159
44,838
31,324
29,861
39,235
36,856
38,555
55,721
56,327
43,068
51,801
55,242
39,138
35,579
63,984
62,097
60,392
34,604
35,702
35,754
29,301
29,941
22,614
29,284
26,082
31,199
54,018
53,093
52,817
152,839
126,563
81,918
62,908
60,557
104,480
72,019
61,738
40,296
64,551
234,704
186,185
188,301
283,049
393,552
414,043
601,792
548,368
444,500
150,905
87,750
107,520
96,972
84,619
75,930

75,930

84,619

96,972

107,520

87,750

150,905

444,500

548,368

601,792

414,043

393,552

283,049

188,301

186,185

234,704

64,551

40,296

61,738

72,019

104,480

60,557

62,908

81,918

126,563

152,839

52,817

53,093

54,018

31,199

26,082

29,284

22,614

29,941

29,301

35,754

35,702

34,604

60,392

62,097

63,984

35,579

39,138

55,242

51,801

43,068

56,327

55,721

38,555

36,856

39,235

29,861

31,324

44,838

30,159

29,089

23,493

29,239

49,305

41,112

51,309

21,835

61,181

17,127

16,139

15,013

27,399

Short-term Investments

16,883
0
0
0
20,410
0
64,853,202
76,301,887
25,929
112,296,397
109,817,830
105,049,877
3,529
123,608,320
115,131,224
111,607,433
7,867
133,933,288
140,969,334
165,513,687
155,260
161,000,461
152,718,411
153,006,535
157,256
158,264
150,387
151,454
149,632
182,344
179,202
181,238
174,801
171,489
178,079
190,762
176,762
178,533
174,950
170,993
183,730
192,189
197,376
202,196
234,493
263,170
264,259
258,948
260,131
267,310
261,626
255,114
257,321
265,646
256,922
251,578
254,752
274,965
285,185
304,125
327,632
415,260
480,007
492,758
486,518
466,506
449,396
427,019
433,926

433,926

427,019

449,396

466,506

486,518

492,758

480,007

415,260

327,632

304,125

285,185

274,965

254,752

251,578

256,922

265,646

257,321

255,114

261,626

267,310

260,131

258,948

264,259

263,170

234,493

202,196

197,376

192,189

183,730

170,993

174,950

178,533

176,762

190,762

178,079

171,489

174,801

181,238

179,202

182,344

149,632

151,454

150,387

158,264

157,256

153,006,535

152,718,411

161,000,461

155,260

165,513,687

140,969,334

133,933,288

7,867

111,607,433

115,131,224

123,608,320

3,529

105,049,877

109,817,830

112,296,397

25,929

76,301,887

64,853,202

20,410

16,883

Net Receivables

0
0
0
0
2,066
2,214
5,700
6,849
9,440
9,633
8,481
7,900
10,082
18,456
15,859
15,298
50,410
49,358
51,558
57,509
56,737
54,675
50,713
43,534
23,891
24,615
23,512
24,689
25,984
38,009
36,559
35,847
32,863
36,434
36,660
55,682
50,329
47,984
49,495
47,811
49,243
45,203
41,536
40,433
98,246
34,092
39,057
45,341
43,867
44,991
45,496
46,798
41,853
41,007
45,779
45,836
40,370
43,688
40,815
41,983
40,758
59,008
62,468
69,283
73,579
78,228
85,230
90,383
0

90,383

85,230

78,228

73,579

69,283

62,468

59,008

40,758

41,983

40,815

43,688

40,370

45,836

45,779

41,007

41,853

46,798

45,496

44,991

43,867

45,341

39,057

34,092

98,246

40,433

41,536

45,203

49,243

47,811

49,495

47,984

50,329

55,682

36,660

36,434

32,863

35,847

36,559

38,009

25,984

24,689

23,512

24,615

23,891

43,534

50,713

54,675

56,737

57,509

51,558

49,358

50,410

15,298

15,859

18,456

10,082

7,900

8,481

9,633

9,440

6,849

5,700

2,214

2,066

Other Current Assets

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
15,219
0
0
0
10,375
0
0
0
8,855
48,884
45,247
45,597
1,442,771
1,394,207
1,385,387
1,391,192
1,404,921
1,396,799
1,458,511
1,480,867
1,485,628
1,494,484
1,728,492
1,731,946
1,742,132
1,720,773
1,651,149
1,590,520
1,532,837
61,930
63,635
160,585
99,529
118,576
108,737
97,840
91,054

91,054

97,840

108,737

118,576

99,529

160,585

63,635

61,930

1,532,837

1,590,520

1,651,149

1,720,773

1,742,132

1,731,946

1,728,492

1,494,484

1,485,628

1,480,867

1,458,511

1,396,799

1,404,921

1,391,192

1,385,387

1,394,207

1,442,771

45,597

45,247

48,884

8,855

10,375

15,219

> Long-term Assets

0
0
0
0
73,376
78,190
12,005,024
13,489,704
15,325,997
15,227,422
15,249,373
15,309,879
16,186,690
17,386,998
23,452,816
23,621,092
23,371,915
23,216,809
23,015,352
31,314,946
31,763,692
30,724,675
30,618,073
30,910,746
30,777,184
30,540,350
30,473,517
30,312,996
30,702,635
36,791,667
37,538,630
38,217,660
37,964,714
37,584,386
36,623,001
42,264,398
40,815,744
42,190,686
39,422,603
39,359,536
39,566,639
39,233,248
38,532,534
38,700,323
361,665
388,822
389,355
382,141
384,182
389,095
382,734
373,523
375,367
382,913
370,999
363,655
366,295
385,042
394,055
412,795
435,225
548,852
614,381
625,362
619,126
597,947
580,504
129,151
3,234,342

3,234,342

129,151

580,504

597,947

619,126

625,362

614,381

548,852

435,225

412,795

394,055

385,042

366,295

363,655

370,999

382,913

375,367

373,523

382,734

389,095

384,182

382,141

389,355

388,822

361,665

38,700,323

38,532,534

39,233,248

39,566,639

39,359,536

39,422,603

42,190,686

40,815,744

42,264,398

36,623,001

37,584,386

37,964,714

38,217,660

37,538,630

36,791,667

30,702,635

30,312,996

30,473,517

30,540,350

30,777,184

30,910,746

30,618,073

30,724,675

31,763,692

31,314,946

23,015,352

23,216,809

23,371,915

23,621,092

23,452,816

17,386,998

16,186,690

15,309,879

15,249,373

15,227,422

15,325,997

13,489,704

12,005,024

78,190

73,376

Property Plant Equipment

10,396
0
0
0
11,688
11,657
12,005
13,490
15,326
15,227
15,249
15,310
16,187
17,387
23,453
23,621
23,372
23,217
23,015
31,315
31,764
30,725
30,618
30,911
30,777
30,540
30,474
30,313
30,703
36,792
37,539
38,218
37,965
37,584
36,623
42,264
40,816
42,191
39,423
39,360
39,567
39,233
38,533
38,700
45,605
45,203
45,192
45,758
47,124
47,030
47,698
46,362
46,425
46,541
45,967
45,696
45,497
45,138
44,232
44,331
43,542
43,929
43,979
43,685
43,560
42,844
42,904
42,402
53,019

53,019

42,402

42,904

42,844

43,560

43,685

43,979

43,929

43,542

44,331

44,232

45,138

45,497

45,696

45,967

46,541

46,425

46,362

47,698

47,030

47,124

45,758

45,192

45,203

45,605

38,700

38,533

39,233

39,567

39,360

39,423

42,191

40,816

42,264

36,623

37,584

37,965

38,218

37,539

36,792

30,703

30,313

30,474

30,540

30,777

30,911

30,618

30,725

31,764

31,315

23,015

23,217

23,372

23,621

23,453

17,387

16,187

15,310

15,249

15,227

15,326

13,490

12,005

11,657

11,688

10,396

Goodwill

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
560
560
0
0
0
914
0
0
0
856
0
0
0
856
0
0
0
899
0
0
0
11,095
0
0
0
9,353
0
0
0
58,621
0
0
0
58,488
0
0
0
58,488
0
0
0
0
0
0
0
58,488
0
0
0
81,517
0
0
0
81,517

81,517

58,488

58,621

9,353

11,095

899

856

914

560

Long Term Investments

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
455,511
661,973
666,401
677,696
681,712
673,374
675,101
678,741
679,561
10,677
11,356
16,180
16,684
18,609
16,222
19,535
21,185
21,579
19,578
203,883
200,097
195,085
201,252
210,764
214,875
220,932
253,900
277,431
286,839
273,360
273,089
278,406
274,290
269,216
271,460
282,006
274,614
275,565
267,245
282,395
287,303
306,235
329,734
417,354
482,093
169
487,593
467,576
450,462
428,084
434,991

434,991

428,084

450,462

467,576

487,593

169

482,093

417,354

329,734

306,235

287,303

282,395

267,245

275,565

274,614

282,006

271,460

269,216

274,290

278,406

273,089

273,360

286,839

277,431

253,900

220,932

214,875

210,764

201,252

195,085

200,097

203,883

19,578

21,579

21,185

19,535

16,222

18,609

16,684

16,180

11,356

10,677

679,561

678,741

675,101

673,374

681,712

677,696

666,401

661,973

455,511

Intangible Assets

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1,960
1,781
0
0
0
3,221
0
0
0
2,852
0
0
0
2,425
0
0
0
4,622
0
0
0
16,865
0
0
0
13,812
0
0
0
68,033
67,499
67,035
66,493
66,055
65,645
65,247
64,854
64,472
64,119
63,777
63,439
63,112
63,112
62,520
62,229
3,461
87,569
88,309
87,839
6,456
87,527
87,138
86,749
4,855

4,855

86,749

87,138

87,527

6,456

87,839

88,309

87,569

3,461

62,229

62,520

63,112

63,439

63,777

64,119

64,472

64,854

65,247

65,645

66,055

66,493

67,035

67,499

68,033

13,812

16,865

4,622

2,425

2,852

3,221

1,781

1,960

Earning Assets

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
279,100
274,984
269,665
271,909
282,455
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

282,455

271,909

269,665

274,984

279,100

Long-term Assets Other

0
0
0
0
-73,376
-78,190
11,924,083
13,396,042
15,192,346
15,096,002
15,120,793
15,178,147
16,050,652
17,231,374
23,293,014
23,465,070
23,221,360
23,051,895
22,844,114
31,114,179
31,573,207
30,529,885
30,432,314
30,724,779
30,587,486
30,350,082
30,287,151
30,122,264
30,512,895
36,561,816
37,310,906
37,986,993
37,740,243
37,361,401
36,393,810
42,016,963
40,584,239
41,956,116
39,194,700
39,135,735
39,329,977
38,988,543
38,283,424
38,446,308
68,033
67,499
67,035
66,493
66,055
65,645
65,247
64,854
64,472
64,119
63,777
63,439
63,112
62,813
62,520
62,229
61,949
87,569
88,309
-625,362
-21,230
-597,947
-580,504
-428,084
3,046,040

3,046,040

-428,084

-580,504

-597,947

-21,230

-625,362

88,309

87,569

61,949

62,229

62,520

62,813

63,112

63,439

63,777

64,119

64,472

64,854

65,247

65,645

66,055

66,493

67,035

67,499

68,033

38,446,308

38,283,424

38,988,543

39,329,977

39,135,735

39,194,700

41,956,116

40,584,239

42,016,963

36,393,810

37,361,401

37,740,243

37,986,993

37,310,906

36,561,816

30,512,895

30,122,264

30,287,151

30,350,082

30,587,486

30,724,779

30,432,314

30,529,885

31,573,207

31,114,179

22,844,114

23,051,895

23,221,360

23,465,070

23,293,014

17,231,374

16,050,652

15,178,147

15,120,793

15,096,002

15,192,346

13,396,042

11,924,083

-78,190

-73,376

> Total Liabilities

354,628
0
0
0
372,968
378,682
397,334
451,857
401,434
403,596
397,249
400,817
391,886
563,875
576,580
566,402
568,893
567,901
583,643
839,106
829,504
841,833
849,484
834,099
821,352
833,907
833,605
821,676
842,331
1,094,797
1,110,934
1,108,628
1,067,271
1,077,074
1,075,904
1,395,624
1,386,865
1,374,957
1,371,481
1,372,180
1,376,889
1,398,777
1,385,242
1,394,737
1,950,251
1,923,765
1,870,615
1,844,842
1,849,619
1,893,740
1,906,892
1,903,363
1,884,136
1,937,104
2,327,570
2,265,876
2,270,008
2,378,907
2,426,944
2,419,317
2,586,341
2,994,724
3,033,092
2,851,010
2,898,326
2,921,870
2,944,036
2,972,397
2,957,952

2,957,952

2,972,397

2,944,036

2,921,870

2,898,326

2,851,010

3,033,092

2,994,724

2,586,341

2,419,317

2,426,944

2,378,907

2,270,008

2,265,876

2,327,570

1,937,104

1,884,136

1,903,363

1,906,892

1,893,740

1,849,619

1,844,842

1,870,615

1,923,765

1,950,251

1,394,737

1,385,242

1,398,777

1,376,889

1,372,180

1,371,481

1,374,957

1,386,865

1,395,624

1,075,904

1,077,074

1,067,271

1,108,628

1,110,934

1,094,797

842,331

821,676

833,605

833,907

821,352

834,099

849,484

841,833

829,504

839,106

583,643

567,901

568,893

566,402

576,580

563,875

391,886

400,817

397,249

403,596

401,434

451,857

397,334

378,682

372,968

354,628

> Total Current Liabilities

0
0
0
0
0
0
0
82,537
24,368
5,546
2,724
4,302
3,520
7,181
23,349
3,744
2,675
11,281
34,240
78,520
57,782
65,869
30,627
9,717
13,666
23,726
46,368
45,865
91,019
76,534
96,483
88,201
36,827
11,296
5,896
97,502
57,436
46,406
63,986
71,721
50,283
48,447
8,511
10,220
15,840
17,282
15,674
13,994
12,165
70,653
17,569
66,418
17,002
19,745
55,327
21,398
21,824
45,003
50,641
48,061
18,907
22,335
27,944
28,273
184,380
27,787
27,349
241,000
2,494,386

2,494,386

241,000

27,349

27,787

184,380

28,273

27,944

22,335

18,907

48,061

50,641

45,003

21,824

21,398

55,327

19,745

17,002

66,418

17,569

70,653

12,165

13,994

15,674

17,282

15,840

10,220

8,511

48,447

50,283

71,721

63,986

46,406

57,436

97,502

5,896

11,296

36,827

88,201

96,483

76,534

91,019

45,865

46,368

23,726

13,666

9,717

30,627

65,869

57,782

78,520

34,240

11,281

2,675

3,744

23,349

7,181

3,520

4,302

2,724

5,546

24,368

82,537

Short-term Debt

0
0
0
0
0
0
0
0
21,500
1,300
0
0
0
2,500
13,000
0
0
8,000
30,500
72,332
52,634
61,042
15,251
4,000
10,000
20,500
42,500
40,900
87,000
71,302
90,531
78,501
31,000
6,000
19,000
77,009
39,939
28,158
52,587
59,200
40,000
40,000
67,493
64,804
3,642
3,610
3,578
41
58,698
57,889
54,615
47,853
40,620
54,319
35,041
31,445
35,041
28,106
27,502
26,430
26,046
25,671
25,307
24,816
155,000
233,650
262,350
241,000
155,616

155,616

241,000

262,350

233,650

155,000

24,816

25,307

25,671

26,046

26,430

27,502

28,106

35,041

31,445

35,041

54,319

40,620

47,853

54,615

57,889

58,698

3,578

3,610

3,642

64,804

67,493

40,000

59,200

52,587

28,158

39,939

77,009

19,000

6,000

31,000

78,501

90,531

71,302

87,000

40,900

42,500

20,500

10,000

4,000

15,251

61,042

52,634

72,332

30,500

8,000

13,000

2,500

1,300

21,500

Short Long Term Debt

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
67,871
0
0
0
125,153
113,011
135,079
138,829
118,533
118,184
67,493
64,804
6,000
70,888
69,974
0
15,120
57,889
0
47,853
29,782
0
35,041
0
0
28,106
27,502
26,430
0
0
0
0
155,000
233,650
262,350
241,000
150,000

150,000

241,000

262,350

233,650

155,000

26,430

27,502

28,106

35,041

29,782

47,853

57,889

15,120

69,974

70,888

6,000

64,804

67,493

118,184

118,533

138,829

135,079

113,011

125,153

67,871

Accounts payable

346,250
0
0
0
353,537
352,129
355,760
82,537
2,868
4,246
2,724
4,302
3,520
4,681
10,349
3,744
2,675
3,281
3,740
6,188
5,148
4,828
15,376
5,717
3,666
1,243
3,868
4,965
4,019
5,232
5,951
9,700
5,827
5,296
5,896
20,492
17,496
18,248
11,399
12,521
10,283
8,447
8,511
10,220
12,198
13,672
12,096
13,953
12,165
12,764
17,569
18,565
17,002
19,745
20,286
21,398
21,824
16,897
23,139
21,631
18,907
22,335
26,870
28,273
29,380
27,787
27,349
31,361
0

31,361

27,349

27,787

29,380

28,273

26,870

22,335

18,907

21,631

23,139

16,897

21,824

21,398

20,286

19,745

17,002

18,565

17,569

12,764

12,165

13,953

12,096

13,672

12,198

10,220

8,511

8,447

10,283

12,521

11,399

18,248

17,496

20,492

5,896

5,296

5,827

9,700

5,951

5,232

4,019

4,965

3,868

1,243

3,666

5,717

15,376

4,828

5,148

6,188

3,740

3,281

2,675

3,744

10,349

4,681

3,520

4,302

2,724

4,246

2,868

82,537

355,760

352,129

353,537

346,250

Other Current Liabilities

0
0
0
0
0
0
0
-82,537
0
0
-2,724
-4,302
-3,520
0
0
-3,744
-2,675
0
527,403
0
730,734
736,157
779,234
784,942
771,429
1,983
777,236
765,810
741,312
987,385
0
983,387
993,573
0
-5,896
1,221,688
0
1,243,699
1,225,004
1,220,830
1,248,072
1,272,146
-8,511
-10,220
-1
1,839,205
1,788,545
1,771,312
-12,165
1,817,548
-17,569
1,831,406
-17,002
-19,745
2,266,704
-21,398
-21,824
2,328,365
2,370,764
2,365,717
-18,907
-22,335
1,074
-28,273
-184,380
-233,650
-27,349
-31,361
2,338,770

2,338,770

-31,361

-27,349

-233,650

-184,380

-28,273

1,074

-22,335

-18,907

2,365,717

2,370,764

2,328,365

-21,824

-21,398

2,266,704

-19,745

-17,002

1,831,406

-17,569

1,817,548

-12,165

1,771,312

1,788,545

1,839,205

-1

-10,220

-8,511

1,272,146

1,248,072

1,220,830

1,225,004

1,243,699

1,221,688

-5,896

993,573

983,387

987,385

741,312

765,810

777,236

1,983

771,429

784,942

779,234

736,157

730,734

527,403

-2,675

-3,744

-3,520

-4,302

-2,724

-82,537

> Long-term Liabilities

0
0
0
0
33,767
46,740
77,714
15,843
22,921
22,907
22,893
19,879
16,774
16,759
16,745
16,000
13,000
13,000
22,000
41,126
40,989
39,806
39,623
39,440
36,257
28,846
10,000
10,000
10,000
10,000
12,000
16,500
16,500
19,000
19,000
76,435
85,213
84,853
82,492
79,629
78,533
78,184
67,493
64,804
68,183
67,278
66,396
59,536
64,237
5,539
60,154
5,539
46,159
59,858
5,539
36,984
34,363
5,539
5,539
5,539
31,585
31,210
84,772
28,273
184,380
27,787
364,969
2,731,397
463,566

463,566

2,731,397

364,969

27,787

184,380

28,273

84,772

31,210

31,585

5,539

34,363

36,984

5,539

59,858

46,159

5,539

60,154

5,539

64,237

59,536

66,396

67,278

68,183

64,804

67,493

78,184

78,533

79,629

82,492

84,853

85,213

76,435

19,000

16,500

12,000

10,000

28,846

36,257

39,440

39,623

39,806

40,989

41,126

22,000

13,000

16,000

16,745

16,759

16,774

19,879

22,893

22,907

22,921

15,843

77,714

46,740

33,767

Long term Debt Total

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
5,539
5,539
5,539
5,539
5,539
5,539
5,539
5,539
5,539
5,539
5,539
5,539
5,539
5,539
59,465
59,497
59,552
59,612
59,672
0
0

59,672

59,612

59,552

59,497

59,465

5,539

Long-term Liabilities Other

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
30,500
72,332
52,634
61,042
15,251
4,000
10,000
20,500
42,500
40,900
87,000
92,181
111,242
20,541
20,371
20,205
20,037
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

20,037

20,205

20,371

20,541

111,242

92,181

87,000

40,900

42,500

20,500

10,000

4,000

15,251

61,042

52,634

72,332

30,500

> Total Stockholder Equity

45,856
0
0
0
49,383
51,371
50,759
51,188
126,963
129,300
130,195
132,593
132,749
132,865
132,738
132,079
131,530
132,574
133,757
133,067
134,285
137,721
139,031
140,211
141,574
143,118
138,159
140,221
141,910
144,375
148,076
151,118
154,144
156,782
158,902
162,286
165,046
169,164
173,567
177,362
179,843
184,720
188,939
192,625
278,826
283,089
289,361
295,688
304,039
308,935
313,494
314,677
316,329
311,497
309,326
313,324
321,842
328,610
337,812
344,149
351,903
337,504
329,124
316,656
329,954
345,100
346,117
345,332
367,444

367,444

345,332

346,117

345,100

329,954

316,656

329,124

337,504

351,903

344,149

337,812

328,610

321,842

313,324

309,326

311,497

316,329

314,677

313,494

308,935

304,039

295,688

289,361

283,089

278,826

192,625

188,939

184,720

179,843

177,362

173,567

169,164

165,046

162,286

158,902

156,782

154,144

151,118

148,076

144,375

141,910

140,221

138,159

143,118

141,574

140,211

139,031

137,721

134,285

133,067

133,757

132,574

131,530

132,079

132,738

132,865

132,749

132,593

130,195

129,300

126,963

51,188

50,759

51,371

49,383

45,856

Common Stock

0
0
0
0
0
0
0
0
89
89
89
89
89
89
89
89
89
89
89
89
89
89
89
89
90
90
90
90
90
90
90
90
90
91
72
72
72
73
73
73
74
74
74
74
94
94
94
95
95
95
94
93
93
91
90
88
87
87
87
85
85
85
84
83
83
83
82
81
81

Retained Earnings

45,856
0
0
0
49,339
50,359
51,462
52,854
52,055
53,779
55,918
57,416
57,437
58,283
59,750
60,661
62,126
62,920
64,188
65,111
67,245
69,306
71,058
74,111
76,435
78,297
79,541
82,023
83,729
85,163
87,915
90,792
93,102
95,449
87,993
88,646
91,865
94,542
97,659
101,257
104,647
108,694
112,111
115,130
118,268
123,571
129,645
135,848
141,447
143,998
146,348
147,841
150,158
141,798
140,582
145,373
154,282
163,507
171,644
180,327
188,515
188,386
191,114
197,553
206,296
215,290
220,801
227,649
234,619

234,619

227,649

220,801

215,290

206,296

197,553

191,114

188,386

188,515

180,327

171,644

163,507

154,282

145,373

140,582

141,798

150,158

147,841

146,348

143,998

141,447

135,848

129,645

123,571

118,268

115,130

112,111

108,694

104,647

101,257

97,659

94,542

91,865

88,646

87,993

95,449

93,102

90,792

87,915

85,163

83,729

82,023

79,541

78,297

76,435

74,111

71,058

69,306

67,245

65,111

64,188

62,920

62,126

60,661

59,750

58,283

57,437

57,416

55,918

53,779

52,055

52,854

51,462

50,359

49,339

45,856

Capital Surplus

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
88,922
89,336
89,741
90,231
90,069
90,514
90,987
91,458
91,309
91,743
92,192
92,655
92,668
93,026
93,332
94,932
76,154
76,487
76,949
77,389
78,347
78,854
79,426
80,093
80,766
81,376
165,341
165,991
166,897
167,942
168,243
169,091
169,233
168,822
168,545
167,249
166,494
165,522
164,988
165,155
165,296
164,316
164,982
164,830
164,177
164,024
164,942
165,470
164,945
0
0

164,945

165,470

164,942

164,024

164,177

164,830

164,982

164,316

165,296

165,155

164,988

165,522

166,494

167,249

168,545

168,822

169,233

169,091

168,243

167,942

166,897

165,991

165,341

81,376

80,766

80,093

79,426

78,854

78,347

77,389

76,949

76,487

76,154

94,932

93,332

93,026

92,668

92,655

92,192

91,743

91,309

91,458

90,987

90,514

90,069

90,231

89,741

89,336

88,922

Treasury Stock

-30,373

-28,573

-28,502

-28,448

-28,016

-28,011

-28,004

-27,188

-22,391

-21,720

-20,366

-17,209

-15,965

-15,892

-14,376

-11,850

-11,029

-10,425

-7,956

-5,734

-2,981

-1,849

Other Stockholders Equity

0
0
0
0
0
0
0
0
87,182
80,202
77,424
76,873
75,311
74,620
72,380
70,622
68,623
68,478
68,259
66,245
65,224
65,734
65,194
62,603
61,811
61,709
57,634
57,362
57,896
58,444
58,886
59,300
59,647
59,536
71,221
71,665
72,238
72,769
73,824
74,427
75,110
75,872
76,637
77,342
161,419
162,162
163,160
164,294
164,704
165,648
165,882
165,562
165,386
164,186
163,524
162,642
162,199
162,460
162,692
161,803
162,559
162,498
161,937
161,874
162,882
163,501
163,067
163,362
164,126

164,126

163,362

163,067

163,501

162,882

161,874

161,937

162,498

162,559

161,803

162,692

162,460

162,199

162,642

163,524

164,186

165,386

165,562

165,882

165,648

164,704

164,294

163,160

162,162

161,419

77,342

76,637

75,872

75,110

74,427

73,824

72,769

72,238

71,665

71,221

59,536

59,647

59,300

58,886

58,444

57,896

57,362

57,634

61,709

61,811

62,603

65,194

65,734

65,224

66,245

68,259

68,478

68,623

70,622

72,380

74,620

75,311

76,873

77,424

80,202

87,182

Balance Sheet

Currency in USD. All numbers in thousands.

	2023-12-31	2022-12-31	2021-12-31	2020-12-31	2019-12-31	2018-12-31	2017-12-31	2016-12-31	2015-12-31	2014-12-31	2013-12-31	2012-12-31	2011-12-31	2010-12-31	2009-12-31	2008-12-31	2007-12-31	2006-12-31
Accounts Payable	0	29,380	18,907	21,824	17,002	12,165	12,198	10,283	17,496	5,827	4,019	3,666	5,148	2,675	3,520	2,868	353,537	346,250
Accumulated Amortization	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Accumulated Depreciation	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Accumulated Other Comprehensive Income	-33,079	-39,307	744	5,274	692	-2,206	-955	12	872	1,305	195	3,238	1,727	693	-88	-12,364	44	-160
Additional Paid In Capital	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Capital Lease Obligations	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Capital Stock	81	83	85	87	93	95	0	0	0	0	0	0	0	0	0	0	0	0
Capital Surpluse	0	164,942	164,982	164,988	168,545	168,243	165,341	79,426	76,949	0	92,192	90,987	89,741	0	0	0	0	0
Cash	75,930	87,750	601,792	188,301	40,296	60,557	152,839	31,199	29,941	34,604	35,579	43,068	36,856	44,838	29,239	21,835	15,013	30,568
Cash And Equivalents	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Cash And Short Term Investments	-75,831	574,268	929,424	443,053	297,617	320,688	387,832	214,929	206,703	209,404	185,211	200,324	36,856	44,838	29,239	21,835	15,013	30,568
Common Stock	81	83	85	87	93	95	94	74	72	90	90	90	89	89	89	89	0	0
Common Stock Shares Outstanding	8,065	8,194	8,428	8,704	9,146	9,291	7,377	7,107	7,001	6,952	6,881	7,180	7,211	7,561	8,052	2,054	8,921	8,921
Common Stock Total Equity	0	83	85	87	93	95	94	74	72	90	90	90	89	89	89	89	0	0
Current Deferred Revenue	0	0	14,700	20,650	-12,780	0	0	0	0	0	0	0	0	0	0	0	0	0
Deferred Long Term Asset Charges	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Deferred Long Term Liab	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Earning Assets	0	0	0	0	271,909	274,028	256,321	203,136	201,484	0	0	0	0	0	0	0	0	0
Good Will	81,517	81,517	58,488	58,488	58,488	58,488	58,621	9,353	11,095	899	856	856	914	560	0	0	0	0
Intangible Assets	4,855	6,456	3,461	63,112	64,472	66,055	68,033	3,409	4,209	4,622	2,425	2,852	3,221	1,781	0	0	0	0
Inventory	0	-99,529	-610,419	-198,982	-51,921	1,558	-62,394	2,893	3,128	9,731	6,517	8,310	10,636	8,190	1,136	1,034	1,227	1,647
Liabilities And Stockholders Equity	3,325,396	3,228,280	2,938,244	2,591,850	2,200,465	2,153,658	2,229,076	1,556,732	1,551,912	1,221,415	984,241	962,926	963,789	700,423	524,636	528,397	422,351	400,484
Long Term Debt	102,493	235,765	31,585	5,539	5,539	5,539	68,183	78,533	85,213	47,500	10,000	22,967	36,989	13,000	11,000	15,830	8,883	5,435
Long Term Debt Total	0	59,552	5,539	5,539	5,539	5,539	0	0	0	0	0	0	0	0	0	0	0	0
Long Term Investments	434,991	487,593	329,734	267,245	271,460	273,089	253,900	201,252	19,578	186,506	11,356	675,101	666,401	0	0	0	0	0
Negative Goodwill	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Net Debt	187,983	303,015	-570,207	-153,938	5,863	3,680	-81,013	87,334	95,211	12,896	61,421	3,188	56,767	-31,838	-12,465	22,586	18,754	-19,699
Net Invested Capital	619,937	565,719	383,488	356,205	362,488	368,277	349,696	0	0	0	0	0	0	0	0	0	0	0
Net Receivables	0	73,579	40,758	40,370	41,853	43,867	98,246	49,243	50,329	32,863	25,984	23,891	56,737	18,397	10,082	9,440	2,066	1,858
Net Tangible Assets	0	241,981	289,954	258,730	251,857	237,985	209,837	179,843	165,046	149,878	141,910	141,574	134,285	0	0	0	0	0
Net Working Capital	-2,403,332	463,467	951,275	461,599	322,468	1,757,312	1,850,616	212,994,315	201,502,363	203,841,596	182,180,034	196,781,528	186,474,704	148,930,294	132,458,208	134,361,141	0	0
Non Current Assets Total	3,234,342	619,126	435,225	366,295	375,367	384,182	361,665	39,566,639	40,815,744	37,964,714	30,702,635	30,777,184	31,763,692	23,371,915	16,186,690	15,325,997	73,376	69,737
Non Current Liabilities Other	0	0	0	0	0	0	0	0	0	0	87,000	10,000	52,634	0	0	0	0	0
Non Current Liabilities Total	463,566	184,380	31,585	34,363	46,159	64,237	68,183	78,533	85,213	16,500	10,000	36,257	40,989	13,000	16,774	22,921	33,767	10,870
Non Currrent Assets Other	3,046,040	-21,230	-6,581	-9,265	-6,784	66,055	68,033	39,329,977	40,584,239	37,740,243	30,512,895	30,587,486	31,573,207	23,221,360	16,050,652	15,192,346	-73,376	-69,737
Noncontrolling Interest In Consolidated Entity	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Other Assets	0	1,961,307	1,532,837	1,742,132	1,485,628	2,537,840	956	-251,054,505	-240,823,631	-240,621,722	-211,989,447	-226,609,452	-217,332,389	-171,604,461	-148,123,782	-149,183,109	331,896	298,321
Other Current Assets	91,054	99,529	610,419	198,982	51,921	1,404,921	1,442,771	8,855	10,375	15,219	0	0	0	0	0	0	0	0
Other Current Liab	2,338,770	-184,380	-18,907	-21,824	-17,002	-1	-1	1,248,072	0	993,573	741,312	771,429	730,734	-2,675	-3,520	0	0	0
Other Liab	0	5,313	3,229	3,331	3,227	3,124	12,197	10,284	17,496	5,827	4,019	3,666	5,147	2,675	3,520	2,868	2,548	2,943
Other Stockholder Equity	165,823	162,882	162,559	162,199	165,386	164,703	161,419	75,110	72,238	59,647	57,896	61,811	65,224	68,623	75,311	87,182	0	0
Preferred Stock Redeemable	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Preferred Stock Total Equity	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Property Plant And Equipment Gross	71,158	69,630	66,728	45,497	46,425	47,124	45,605	39,567	40,816	37,965	30,703	30,777	31,764	23,372	16,187	15,326	11,688	10,396
Property Plant And Equipment Net	53,019	43,560	43,542	45,497	46,425	47,124	45,605	39,567	40,816	37,965	30,703	30,777	31,764	23,372	16,187	15,326	11,688	10,396
Property Plant Equipment	0	43,560	43,542	45,497	46,425	47,124	45,605	39,567	40,816	37,965	30,703	30,777	31,764	23,372	16,187	15,326	11,687	10,396
Retained Earnings	234,619	206,296	188,515	154,282	150,158	141,447	118,268	104,647	91,865	93,102	83,729	76,435	67,245	62,126	57,437	52,055	49,339	46,017
Retained Earnings Total Equity	0	206,296	188,515	154,282	150,158	141,447	117,313	104,647	91,865	0	83,729	76,435	67,245	0	0	0	0	0
Short Long Term Debt	150,000	155,000	0	0	29,782	0	3,642	40,000	125,153	67,871	0	0	0	0	0	0	0	0
Short Long Term Debt Total	263,913	390,765	31,585	34,363	46,159	64,237	71,826	118,533	125,153	47,500	97,000	46,257	93,623	13,000	16,774	44,421	33,767	10,870
Short Term Debt	155,616	155,000	4,207	1,174	29,782	58,698	3,642	40,000	39,939	31,000	87,000	10,000	52,634	0	0	21,500	0	0
Short Term Investments	433,926	486,518	327,632	254,752	257,321	260,131	234,493	183,730	176,762	174,801	149,632	157,256	155,259,978	111,962,331	106,752,131	114,235,261	20,410	16,883
Temporary Equity Redeemable Noncontrolling Interests	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Total Assets	3,325,396	3,228,280	2,938,244	2,591,850	2,200,465	2,153,658	2,229,076	1,556,732	1,551,912	1,221,415	984,241	962,926	963,789	700,423	524,636	528,397	422,351	400,484
Total Current Assets	91,054	647,847	970,182	483,423	339,470	1,769,476	1,866,456	213,044,598	201,559,799	203,878,423	182,271,053	196,795,194	186,532,486	148,932,969	132,461,728	134,385,509	17,079	32,426
Total Current Liabilities	2,494,386	184,380	18,907	21,824	17,002	12,164	15,840	50,283	57,436	36,827	91,019	13,666	57,782	2,675	3,520	24,368	0	0
Total Liab	2,957,952	2,898,326	2,586,341	2,270,008	1,884,136	1,849,619	1,950,251	1,376,889	1,386,865	1,067,271	842,331	821,352	829,504	568,893	391,886	401,434	372,968	354,627
Total Permanent Equity	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Total Stockholder Equity	367,444	329,954	351,903	321,842	316,329	304,039	278,826	179,843	165,046	154,144	141,910	141,574	134,285	131,530	132,749	126,963	49,383	45,856
Treasury Stock	0	0	0	0	0	0	0	0	0	-28,573	-28,011	-21,720	-15,892	-10,425	-1,849	0	0	0
Warrants	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0

	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31	2022-09-30	2022-06-30	2022-03-31	2021-12-31	2021-09-30	2021-06-30	2021-03-31	2020-12-31	2020-09-30	2020-06-30	2020-03-31	2019-12-31	2019-09-30	2019-06-30	2019-03-31	2018-12-31	2018-09-30	2018-06-30	2018-03-31	2017-12-31	2017-09-30	2017-06-30	2017-03-31	2016-12-31	2016-09-30	2016-06-30	2016-03-31	2015-12-31	2015-09-30	2015-06-30	2015-03-31	2014-12-31	2014-09-30	2014-06-30	2014-03-31	2013-12-31	2013-09-30	2013-06-30	2013-03-31	2012-12-31	2012-09-30	2012-06-30	2012-03-31	2011-12-31	2011-09-30	2011-06-30	2011-03-31	2010-12-31	2010-09-30	2010-06-30	2010-03-31	2009-12-31	2009-09-30	2009-06-30	2009-03-31	2008-12-31	2008-09-30	2008-06-30	2008-03-31	2007-12-31	2007-09-30	2007-06-30	2007-03-31	2006-12-31
Accounts Payable	0	31,361	27,349	27,787	29,380	28,273	26,870	22,335	18,907	21,631	23,139	16,897	21,824	21,398	20,286	19,745	17,002	18,565	17,569	12,764	12,165	13,953	12,096	13,672	12,198	10,220	8,511	8,447	10,283	12,521	11,399	18,248	17,496	20,492	5,896	5,296	5,827	9,700	5,951	5,232	4,019	4,965	3,868	1,243	3,666	5,717	15,376	4,828	5,148	6,188	3,740	3,281	2,675	3,744	10,349	4,681	3,520	4,302	2,724	4,246	2,868	82,537	355,760	352,129	353,537	0	0	0	346,250
Accumulated Amortization	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Accumulated Depreciation	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Accumulated Other Comprehensive Income	-31,382	-45,760	-37,833	-33,774	-39,307	-42,854	-24,011	-13,465	744	1,934	3,389	2,556	5,274	5,221	5,130	5,422	692	1,181	1,170	-806	-2,206	-4,549	-3,538	-2,738	-955	79	117	80	12	1,604	2,011	1,780	872	1,903	1,119	1,706	1,305	936	1,185	679	195	745	895	3,022	3,238	3,408	2,689	2,592	1,727	1,621	1,221	1,087	693	707	518	-126	-88	-1,785	-3,237	-4,770	-12,364	-1,666	-703	1,012	44	0	0	0	0
Additional Paid In Capital	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Capital Lease Obligations	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Capital Stock	81	81	82	83	83	83	84	85	85	85	87	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Capital Surpluse	0	0	164,945	165,470	164,942	164,024	164,177	164,830	164,982	164,316	165,296	165,155	164,988	165,522	166,494	167,249	168,545	168,822	169,233	169,091	168,243	167,942	166,897	165,991	165,341	81,376	80,766	80,093	79,426	78,854	78,347	77,389	76,949	76,487	76,154	94,932	93,332	93,026	92,668	92,655	92,192	91,743	91,309	91,458	90,987	90,514	90,069	90,231	89,741	89,336	88,922	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Cash	75,930	84,619	96,972	107,520	87,750	150,905	444,500	548,368	601,792	414,043	393,552	283,049	188,301	186,185	234,704	64,551	40,296	61,738	72,019	104,480	60,557	62,908	81,918	126,563	152,839	52,817	53,093	54,018	31,199	26,082	29,284	22,614	29,941	29,301	35,754	35,702	34,604	60,392	62,097	63,984	35,579	39,138	55,242	51,801	43,068	56,327	55,721	38,555	36,856	39,235	29,861	31,324	44,838	30,159	29,089	23,493	29,239	49,305	41,112	51,309	21,835	61,181	17,127	16,139	15,013	0	0	0	27,399
Cash And Equivalents	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Cash And Short Term Investments	-75,831	511,539	546,368	574,026	574,268	643,663	924,507	963,628	929,424	718,168	678,737	558,014	443,053	437,763	491,626	330,197	297,617	316,852	333,645	371,790	320,688	321,856	346,177	389,733	387,832	255,013	250,470	246,207	214,929	197,075	204,234	201,147	206,703	220,063	213,832	207,190	209,404	241,630	241,299	246,328	185,211	190,592	205,629	210,065	200,324	56,327	55,721	38,555	36,856	39,235	29,861	31,324	44,838	30,159	29,089	23,493	29,239	49,305	41,112	51,309	21,835	61,181	17,127	16,139	15,013	0	0	0	0
Common Stock	81	81	82	83	83	83	84	85	85	85	87	87	87	88	90	91	93	93	94	95	95	95	94	94	94	74	74	74	74	73	73	73	72	72	72	91	90	90	90	90	90	90	90	90	90	89	89	89	89	89	89	89	89	89	89	89	89	89	89	89	89	0	0	0	0	0	0	0	0
Common Stock Shares Outstanding	8,008	8,039	8,079	8,137	8,119	8,138	8,186	8,270	8,332	8,406	8,499	8,476	8,509	8,651	8,730	8,927	9,017	9,107	9,208	9,254	9,305	9,321	9,257	9,269	7,799	7,281	7,234	7,207	7,164	7,124	7,088	7,052	7,046	7,023	6,974	6,962	6,986	6,951	6,903	6,826	6,801	6,769	6,964	7,020	7,095	7,212	7,235	7,196	7,114	7,275	7,337	7,277	7,350	7,531	7,678	7,789	7,863	8,808	7,983	8,226	8,927	8,924	8,927	8,924	8,924	8,924	8,924	8,924	0
Common Stock Total Equity	0	0	82	83	83	83	84	85	85	85	87	87	87	88	90	91	93	93	94	95	95	95	94	94	94	74	74	74	74	73	73	73	72	72	72	91	90	90	90	90	90	90	90	90	90	89	89	89	89	89	89	89	89	89	89	89	89	89	89	89	89	0	0	0	0	0	0	0	0
Current Deferred Revenue	0	0	-235,001	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Deferred Long Term Asset Charges	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Deferred Long Term Liab	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Earning Assets	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	282,455	271,909	269,665	274,984	279,100	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Good Will	81,517	0	0	0	81,517	0	0	0	58,488	0	0	0	0	0	0	0	58,488	0	0	0	58,488	0	0	0	58,621	0	0	0	9,353	0	0	0	11,095	0	0	0	899	0	0	0	856	0	0	0	856	0	0	0	914	0	0	0	560	560	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Intangible Assets	4,855	86,749	87,138	87,527	6,456	87,839	88,309	87,569	3,461	62,229	62,520	63,112	63,112	63,439	63,777	64,119	64,472	64,854	65,247	65,645	66,055	66,493	67,035	67,499	68,033	0	0	0	13,812	0	0	0	16,865	0	0	0	4,622	0	0	0	2,425	0	0	0	2,852	0	0	0	3,221	0	0	0	1,781	1,960	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Inventory	0	-188,223	-108,737	-118,576	-99,529	-160,585	277	1,265	1,189	1,031	1,113	1,581	1,302	1,985	1,974	2,606	4,156	2,592	1,980	2,481	1,558	571	492	1,854	-62,394	6,071	4,885	6,904	7,049	13,194	13,903	13,883	8,779	12,987	12,900	10,500	9,731	14,743	12,632	11,605	6,517	7,562	7,872	7,891	8,310	14,015	9,699	9,638	10,636	17,489	10,044	5,934	8,190	9,034	5,750	2,833	1,136	2,060	4,237	1,628	1,034	367	584	1,699	1,227	0	0	0	1,647
Liabilities And Stockholders Equity	3,325,396	3,317,729	3,290,153	3,266,970	3,228,280	3,167,666	3,362,216	3,332,228	2,938,244	2,763,466	2,764,756	2,707,517	2,591,850	2,579,200	2,636,896	2,248,601	2,200,465	2,218,040	2,220,386	2,202,675	2,153,658	2,140,530	2,159,976	2,206,854	2,229,076	1,587,362	1,574,181	1,583,497	1,556,732	1,549,542	1,545,049	1,544,121	1,551,912	1,557,910	1,234,807	1,233,856	1,221,415	1,259,746	1,259,009	1,239,172	984,241	961,896	971,764	977,025	962,926	974,310	988,516	979,554	963,789	972,173	717,400	700,475	700,423	698,481	709,318	696,740	524,636	533,410	527,443	532,895	528,397	503,045	448,093	430,053	422,351	0	0	0	0
Long Term Debt	102,493	343,552	364,969	336,339	235,765	59,497	85,846	31,210	31,585	31,969	33,041	5,539	5,539	5,539	5,539	5,539	5,539	5,539	5,539	5,539	5,539	59,536	66,396	67,278	68,183	64,804	67,494	78,184	78,533	79,629	82,492	84,853	85,214	76,435	19,000	19,000	16,500	16,500	12,000	10,000	10,000	10,000	10,000	49,346	36,257	43,440	54,875	100,848	40,989	41,126	22,000	13,000	13,000	16,000	16,745	16,759	16,774	19,879	22,893	22,907	22,921	15,844	38,857	23,370	16,883	0	0	0	5,435
Long Term Debt Total	0	0	59,672	59,612	59,552	59,497	59,465	5,539	5,539	5,539	5,539	5,539	5,539	5,539	5,539	5,539	5,539	5,539	5,539	5,539	5,539	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Long Term Investments	434,991	428,084	450,462	467,576	487,593	169	482,093	417,354	329,734	306,235	287,303	282,395	267,245	275,565	274,614	282,006	271,460	269,216	274,290	278,406	273,089	273,360	286,839	277,431	253,900	220,932	214,875	210,764	201,252	195,085	200,097	203,883	19,578	21,579	21,185	19,535	16,222	18,609	16,684	16,180	11,356	10,677	679,561	678,741	675,101	673,374	681,712	677,696	666,401	661,973	455,511	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Negative Goodwill	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Net Debt	187,983	258,933	267,997	228,819	303,015	-66,592	-358,654	-517,158	-570,207	-382,074	-360,511	-249,404	-153,938	-149,201	-194,124	-4,693	5,863	-8,346	-11,865	-41,052	3,680	-3,331	-11,944	-55,675	-81,013	11,988	14,400	64,166	87,334	112,747	105,795	90,397	95,211	124,143	-16,754	-10,702	12,896	34,609	40,434	17,318	61,421	11,762	-2,742	-2,454	3,188	-12,886	-846	62,293	56,767	74,223	22,639	-10,324	-31,838	-14,159	656	-4,234	-12,465	-29,426	-18,219	-27,101	22,586	-45,338	60,587	30,602	18,754	0	0	0	0
Net Invested Capital	619,937	688,884	711,086	681,439	565,719	400,969	414,970	368,714	383,488	376,118	370,853	362,255	356,205	350,308	349,906	371,355	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Net Receivables	0	90,383	85,230	78,228	73,579	69,283	62,468	59,008	40,758	41,983	40,815	43,688	40,370	45,836	45,779	41,007	41,853	46,798	45,496	44,991	43,867	45,341	39,057	34,092	98,246	40,433	41,536	45,203	49,243	47,811	49,495	47,984	50,329	55,682	36,660	36,434	32,863	35,847	36,559	38,009	25,984	24,689	23,512	24,615	23,891	43,534	50,713	54,675	56,737	57,509	51,558	49,358	50,410	15,298	15,859	18,456	10,082	7,900	8,481	9,633	9,440	6,849	5,700	2,214	2,066	0	0	0	0
Net Tangible Assets	0	258,583	258,979	257,573	241,981	228,817	240,815	249,935	289,954	281,920	275,292	265,797	258,730	249,885	245,549	247,378	251,857	249,823	248,247	243,290	237,985	229,195	222,326	215,590	209,837	192,625	188,939	184,720	179,843	177,362	173,567	169,164	165,046	162,286	158,902	156,782	149,878	151,118	148,076	144,375	141,910	140,221	138,159	143,118	141,574	140,211	139,031	137,721	134,285	133,067	133,757	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Net Working Capital	-2,403,332	270,539	604,249	624,467	463,467	684,673	959,031	1,000,301	2,484,112	2,302,610	2,320,060	2,277,472	2,203,731	2,194,147	2,210,570	1,845,943	1,808,096	1,778,099	1,820,083	1,742,927	1,757,311	1,744,395	1,754,947	1,800,750	1,850,616	253,811,656	249,070,167	244,519,203	29,264,458	194,874,032	201,739,058	196,447,034	24,740,163	214,203,464	208,300,579	201,653,084	29,041,080	235,770,569	235,431,706	239,488,732	32,547,881	187,360,890	202,298,619	206,512,126	39,525,700	205,304,521	203,899,309	194,735,328	31,214,726	198,351,880	162,523,162	156,388,930	36,967,963	135,375,466	137,084,410	141,442,285	25,706,077	142,398,195	123,821,912	137,883,242	20,125,880	136,608,362	0	0	0	0	0	0	0
Non Current Assets Total	3,234,342	129,151	580,504	597,947	619,126	625,362	614,381	548,852	435,225	412,795	394,055	385,042	366,295	363,655	370,999	382,913	375,367	373,523	382,734	389,095	384,182	382,141	389,355	388,822	361,665	38,700,323	38,532,534	39,233,248	39,566,639	39,359,536	39,422,603	42,190,686	40,815,744	42,264,398	36,623,001	37,584,386	37,964,714	38,217,660	37,538,630	36,791,667	30,702,635	30,312,996	30,473,517	30,540,350	30,777,184	30,910,746	30,618,073	30,724,675	31,763,692	31,314,946	23,015,352	23,216,809	23,371,915	23,621,092	23,452,816	17,386,998	16,186,690	15,309,879	15,249,373	15,227,422	15,325,997	13,489,704	12,005,024	78,190	73,376	0	0	0	0
Non Current Liabilities Other	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	20,037	20,205	20,371	20,541	111,242	92,181	87,000	40,900	42,500	20,500	10,000	4,000	15,251	61,042	52,634	72,332	30,500	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Non Current Liabilities Total	463,566	2,731,397	364,969	27,787	184,380	28,273	84,772	31,210	31,585	5,539	5,539	5,539	34,363	36,984	5,539	59,858	46,159	5,539	60,154	5,539	64,237	59,536	66,396	67,278	68,183	64,804	67,493	78,184	78,533	79,629	82,492	84,853	85,213	76,435	19,000	19,000	16,500	16,500	12,000	10,000	10,000	10,000	10,000	28,846	36,257	39,440	39,623	39,806	40,989	41,126	22,000	13,000	13,000	16,000	16,745	16,759	16,774	19,879	22,893	22,907	22,921	15,843	77,714	46,740	33,767	0	0	0	0
Non Currrent Assets Other	3,046,040	-428,084	-580,504	-597,947	-21,230	-625,362	88,309	87,569	61,949	62,229	62,520	62,813	63,112	63,439	63,777	64,119	64,472	64,854	65,247	65,645	66,055	66,493	67,035	67,499	68,033	38,446,308	38,283,424	38,988,543	39,329,977	39,135,735	39,194,700	41,956,116	40,584,239	42,016,963	36,393,810	37,361,401	37,740,243	37,986,993	37,310,906	36,561,816	30,512,895	30,122,264	30,287,151	30,350,082	30,587,486	30,724,779	30,432,314	30,529,885	31,573,207	31,114,179	22,844,114	23,051,895	23,221,360	23,465,070	23,293,014	17,231,374	16,050,652	15,178,147	15,120,793	15,096,002	15,192,346	13,396,042	11,924,083	-78,190	-73,376	0	0	0	0
Noncontrolling Interest In Consolidated Entity	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Other Assets	0	2,677,039	2,078,051	2,016,769	1,961,307	1,829,358	1,760,860	1,760,740	2,938,244	2,763,466	2,764,756	2,707,517	2,591,850	2,579,200	2,636,896	2,248,601	2,575,832	2,591,563	2,603,120	2,591,770	2,537,840	2,522,671	2,549,331	2,595,676	956	-290,934,837	-286,037,031	-282,217,401	-67,324,648	-232,755,747	-239,680,598	-237,140,005	-64,061,431	-255,007,454	-243,694,669	-238,014,910	-65,821,206	-272,816,684	-271,807,810	-275,117,761	-62,357,294	-216,757,855	-231,846,740	-236,099,177	-69,353,624	-235,250,674	-233,559,493	-224,546,318	-62,072,411	-228,773,173	-184,855,354	-178,916,545	-59,642,130	-158,301,821	-159,851,257	-158,139,724	-41,371,651	-157,178,966	-138,546,566	-152,583,315	-34,947,848	-149,677,558	-90,863,736	333,509	331,896	0	0	0	62,901
Other Current Assets	91,054	97,840	108,737	118,576	99,529	160,585	63,635	61,930	1,532,837	1,590,520	1,651,149	1,720,773	1,742,132	1,731,946	1,728,492	1,494,484	1,485,628	1,480,867	1,458,511	1,396,799	1,404,921	1,391,192	1,385,387	1,394,207	1,442,771	45,597	45,247	48,884	8,855	0	0	0	10,375	0	0	0	15,219	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Other Current Liab	2,338,770	-31,361	-27,349	-233,650	-184,380	-28,273	1,074	-22,335	-18,907	2,365,717	2,370,764	2,328,365	-21,824	-21,398	2,266,704	-19,745	-17,002	1,831,406	-17,569	1,817,548	-12,165	1,771,312	1,788,545	1,839,205	-1	-10,220	-8,511	1,272,146	1,248,072	1,220,830	1,225,004	1,243,699	0	1,221,688	-5,896	0	993,573	983,387	0	987,385	741,312	765,810	777,236	1,983	771,429	784,942	779,234	736,157	730,734	0	527,403	0	-2,675	-3,744	0	0	-3,520	-4,302	-2,724	0	0	-82,537	0	0	0	0	0	0	0
Other Liab	0	0	2,454	0	5,313	2,263	2,117	2,117	1,815	1,800	1,800	1,425	1,400	3,637	3,600	3,100	3,227	0	0	0	12,165	13,953	12,096	13,672	12,197	10,220	8,511	8,447	10,284	12,521	11,398	18,247	17,496	20,492	5,896	5,296	5,827	9,699	5,951	5,232	4,019	4,965	3,869	3,226	3,666	5,717	15,376	4,828	5,147	6,188	3,740	3,282	2,675	3,744	10,349	4,681	3,520	4,302	2,724	4,246	2,868	82,537	2,717	3,183	2,548	0	0	0	2,943
Other Stockholder Equity	164,126	163,362	163,067	163,501	162,882	161,874	161,937	162,498	162,559	161,803	162,692	162,460	162,199	162,642	163,524	164,186	165,386	165,562	165,882	165,648	164,704	164,294	163,160	162,162	161,419	77,342	76,637	75,872	75,110	74,427	73,824	72,769	72,238	71,665	71,221	59,536	59,647	59,300	58,886	58,444	57,896	57,362	57,634	61,709	61,811	62,603	65,194	65,734	65,224	66,245	68,259	68,478	68,623	70,622	72,380	74,620	75,311	76,873	77,424	80,202	87,182	0	0	0	0	0	0	0	0
Preferred Stock Redeemable	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Preferred Stock Total Equity	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Property Plant And Equipment Gross	71,158	0	0	0	69,630	0	0	0	0	0	44,232	45,138	45,497	45,696	45,967	46,541	46,425	46,362	47,698	47,030	47,124	45,758	45,192	45,203	45,605	38,700	38,533	39,233	39,567	39,360	39,423	42,191	40,816	42,264	36,623	37,584	37,965	38,218	37,539	36,792	30,703	30,313	30,474	30,540	30,777	30,911	30,618	30,725	31,764	31,315	23,015	23,217	23,372	23,621	23,453	17,387	16,187	15,310	15,249	15,227	15,326	13,490	12,005	11,657	11,688	0	0	0	0
Property Plant And Equipment Net	53,019	42,402	42,904	42,844	43,560	43,685	43,979	43,929	43,542	44,331	44,232	45,138	45,497	45,696	45,967	46,541	46,425	46,362	47,698	47,030	47,124	45,758	45,192	45,203	45,605	38,700	38,533	39,233	39,567	39,360	39,423	42,191	40,816	42,264	36,623	37,584	37,965	38,218	37,539	36,792	30,703	30,313	30,474	30,540	30,777	30,911	30,618	30,725	31,764	31,315	23,015	23,217	23,372	23,621	23,453	17,387	16,187	15,310	15,249	15,227	15,326	13,490	12,005	11,657	11,688	0	0	0	0
Property Plant Equipment	0	42,402	42,904	42,844	43,560	43,685	43,979	43,929	43,542	44,331	44,232	45,138	45,497	45,696	45,967	46,541	46,425	46,362	47,698	47,030	47,124	45,758	45,192	45,203	45,605	38,700	38,533	39,233	39,567	39,360	39,423	42,191	40,816	42,264	36,623	37,584	37,965	38,218	37,539	36,792	30,703	30,313	30,474	30,540	30,777	30,911	30,618	30,725	31,764	31,315	23,015	23,217	23,372	23,621	23,453	17,387	16,187	15,310	15,249	15,227	15,326	13,490	12,005	11,657	11,687	0	0	0	10,396
Retained Earnings	234,619	227,649	220,801	215,290	206,296	197,553	191,114	188,386	188,515	180,327	171,644	163,507	154,282	145,373	140,582	141,798	150,158	147,841	146,348	143,998	141,447	135,848	129,645	123,571	118,268	115,130	112,111	108,694	104,647	101,257	97,659	94,542	91,865	88,646	87,993	95,449	93,102	90,792	87,915	85,163	83,729	82,023	79,541	78,297	76,435	74,111	71,058	69,306	67,245	65,111	64,188	62,920	62,126	60,661	59,750	58,283	57,437	57,416	55,918	53,779	52,055	52,854	51,462	50,359	49,339	0	0	0	45,856
Retained Earnings Total Equity	0	0	220,801	215,290	206,296	197,553	191,114	188,386	188,515	180,327	171,644	163,507	154,282	145,373	140,582	141,798	150,158	147,841	146,348	143,998	141,447	135,848	129,645	123,571	117,313	115,130	112,111	108,694	104,647	101,257	97,659	94,542	91,865	88,646	86,490	95,449	93,102	90,792	87,915	85,163	83,729	82,023	79,541	78,297	76,435	74,111	71,058	69,306	67,245	65,111	64,188	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Short Long Term Debt	150,000	241,000	262,350	233,650	155,000	0	0	0	0	26,430	27,502	28,106	0	0	35,041	0	29,782	47,853	0	57,889	15,120	0	69,974	70,888	6,000	64,804	67,493	118,184	118,533	138,829	135,079	113,011	125,153	0	0	0	67,871	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Short Long Term Debt Total	263,913	343,552	364,969	336,339	390,765	84,313	85,846	31,210	31,585	31,969	33,041	33,645	34,363	36,984	40,580	59,858	46,159	53,392	60,154	63,428	64,237	59,577	69,974	70,888	71,826	64,804	67,493	118,184	118,533	138,829	135,079	113,011	125,153	153,445	19,000	25,000	47,500	95,001	102,531	81,302	97,000	50,900	52,500	49,346	46,257	43,440	54,875	100,848	93,623	113,458	52,500	21,000	13,000	16,000	29,745	19,259	16,774	19,879	22,893	24,207	44,421	15,843	77,714	46,740	33,767	0	0	0	0
Short Term Debt	155,616	241,000	262,350	233,650	155,000	24,816	25,307	25,671	26,046	26,430	27,502	28,106	35,041	31,445	35,041	54,319	40,620	47,853	54,615	57,889	58,698	41	3,578	3,610	3,642	64,804	67,493	40,000	40,000	59,200	52,587	28,158	39,939	77,009	19,000	6,000	31,000	78,501	90,531	71,302	87,000	40,900	42,500	20,500	10,000	4,000	15,251	61,042	52,634	72,332	30,500	8,000	0	0	13,000	2,500	0	0	0	1,300	21,500	0	0	0	0	0	0	0	0
Short Term Investments	433,926	427,019	449,396	466,506	486,518	492,758	480,007	415,260	327,632	304,125	285,185	274,965	254,752	251,578	256,922	265,646	257,321	255,114	261,626	267,310	260,131	258,948	264,259	263,170	234,493	202,196	197,376	192,189	183,730	170,993	174,950	178,533	176,762	190,762	178,079	171,489	174,801	181,238	179,202	182,344	149,632	151,454	150,387	158,264	157,256	153,006,535	152,718,411	161,000,461	155,260	165,513,687	140,969,334	133,933,288	7,867	111,607,433	115,131,224	123,608,320	3,529	105,049,877	109,817,830	112,296,397	25,929	76,301,887	64,853,202	0	20,410	0	0	0	16,883
Temporary Equity Redeemable Noncontrolling Interests	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Total Assets	3,325,396	3,317,729	3,290,153	3,266,970	3,228,280	3,167,666	3,362,216	3,332,228	2,938,244	2,763,466	2,764,756	2,707,517	2,591,850	2,579,200	2,636,896	2,248,601	2,200,465	2,218,040	2,220,386	2,202,675	2,153,658	2,140,530	2,159,976	2,206,854	2,229,076	1,587,362	1,574,181	1,583,497	1,556,732	1,549,542	1,545,049	1,544,121	1,551,912	1,557,910	1,234,807	1,233,856	1,221,415	1,259,746	1,259,009	1,239,172	984,241	961,896	971,764	977,025	962,926	974,310	988,516	979,554	963,789	972,173	717,400	700,475	700,423	698,481	709,318	696,740	524,636	533,410	527,443	532,895	528,397	503,045	448,093	430,053	422,351	0	0	0	400,484
Total Current Assets	91,054	511,539	631,598	652,254	647,847	712,946	986,975	1,022,636	2,503,019	2,350,671	2,370,701	2,322,475	2,225,555	2,215,545	2,265,897	1,865,688	1,825,098	1,844,517	1,837,652	1,813,580	1,769,476	1,758,389	1,770,621	1,818,032	1,866,456	253,821,876	249,078,678	244,567,650	29,314,741	194,945,753	201,803,044	196,493,440	24,797,599	214,300,966	208,306,475	201,664,380	29,077,907	235,858,770	235,528,189	239,565,266	32,638,900	187,406,755	202,344,987	206,535,852	39,539,366	205,314,238	203,929,936	194,801,197	31,272,508	198,430,400	162,557,402	156,400,211	36,970,638	135,379,210	137,107,759	141,449,466	25,709,597	142,402,497	123,824,636	137,888,788	20,150,248	136,690,899	79,306,805	18,353	17,079	0	0	0	0
Total Current Liabilities	2,494,386	241,000	27,349	27,787	184,380	28,273	27,944	22,335	18,907	48,061	50,641	45,003	21,824	21,398	55,327	19,745	17,002	66,418	17,569	70,653	12,165	13,994	15,674	17,282	15,840	10,220	8,511	48,447	50,283	71,721	63,986	46,406	57,436	97,502	5,896	11,296	36,827	88,201	96,483	76,534	91,019	45,865	46,368	23,726	13,666	9,717	30,627	65,869	57,782	78,520	34,240	11,281	2,675	3,744	23,349	7,181	3,520	4,302	2,724	5,546	24,368	82,537	0	0	0	0	0	0	0
Total Liab	2,957,952	2,972,397	2,944,036	2,921,870	2,898,326	2,851,010	3,033,092	2,994,724	2,586,341	2,419,317	2,426,944	2,378,907	2,270,008	2,265,876	2,327,570	1,937,104	1,884,136	1,903,363	1,906,892	1,893,740	1,849,619	1,844,842	1,870,615	1,923,765	1,950,251	1,394,737	1,385,242	1,398,777	1,376,889	1,372,180	1,371,481	1,374,957	1,386,865	1,395,624	1,075,904	1,077,074	1,067,271	1,108,628	1,110,934	1,094,797	842,331	821,676	833,605	833,907	821,352	834,099	849,484	841,833	829,504	839,106	583,643	567,901	568,893	566,402	576,580	563,875	391,886	400,817	397,249	403,596	401,434	451,857	397,334	378,682	372,968	0	0	0	354,628
Total Permanent Equity	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Total Stockholder Equity	367,444	345,332	346,117	345,100	329,954	316,656	329,124	337,504	351,903	344,149	337,812	328,610	321,842	313,324	309,326	311,497	316,329	314,677	313,494	308,935	304,039	295,688	289,361	283,089	278,826	192,625	188,939	184,720	179,843	177,362	173,567	169,164	165,046	162,286	158,902	156,782	154,144	151,118	148,076	144,375	141,910	140,221	138,159	143,118	141,574	140,211	139,031	137,721	134,285	133,067	133,757	132,574	131,530	132,079	132,738	132,865	132,749	132,593	130,195	129,300	126,963	51,188	50,759	51,371	49,383	0	0	0	45,856
Treasury Stock	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	-30,373	-28,573	-28,502	-28,448	-28,016	-28,011	-28,004	-27,188	-22,391	-21,720	-20,366	-17,209	-15,965	-15,892	-14,376	-11,850	-11,029	-10,425	-7,956	-5,734	-2,981	-1,849	0	0	0	0	0	0	0	0	0	0	0	0
Warrants	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0

Cash Flow

Currency in USD. All numbers in thousands.

	2023-12-31	2022-12-31	2021-12-31	2020-12-31	2019-12-31	2018-12-31	2017-12-31	2016-12-31	2015-12-31	2014-12-31	2013-12-31	2012-12-31	2011-12-31	2010-12-31	2009-12-31	2008-12-31	2007-12-31	2006-12-31
Begin Period Cash Flow	87,401	601,443	187,952	39,847	59,618	150,418	29,315	24,798	29,078	32,639	39,539	31,769	36,971	25,710	20,150	11,746	27,399	16,213
Capital Expenditures	2,022	2,706	2,472	2,147	3,840	5,010	1,916	4,113	829	3,305	1,346	1,452	1,183	8,278	1,748	4,452	2,161	737
Cash And Cash Equivalents Changes	0	-514,042	413,491	148,105	-19,771	-90,800	121,103	4,517	-4,280	-3,561	-6,900	7,770	-5,698	0	0	0	0	0
Cash Flows Other Operating	0	4,025	3,512	5,418	5,724	-125	2,612	-87	-13	-19	-9	-16	-11	0	0	0	0	0
Change In Cash	-11,570	-514,042	413,491	148,105	-19,771	-90,800	121,103	4,517	-4,280	-3,561	-6,900	7,770	-5,698	11,261	5,559	8,404	-15,653	11,187
Change In Working Capital	-9,132	-1,522	-5,072	2,102	4,293	-9,714	-10,444	-8,336	13,385	2,772	2,127	-551	228	821	-2,914	444	-859	-534
Change Receivables	0	-10,427	-2,661	-601	58	-8,970	-3,497	-589	8,906	7,689	2,187	1,395	676	0	0	0	0	0
Change To Account Receivables	-8,023	-10,427	-2,661	-601	58	-8,970	-3,497	-589	8,906	7,689	2,187	1,395	676	0	0	0	0	0
Change To Inventory	1,045	0	0	0	0	0	0	3,265	393	281	5,128	0	299	18	888	433	742	0
Change To Liabilities	0	9,820	-1,525	3,651	5,109	-88	-6,453	-7,264	4,983	-4,458	404	-1,430	131	0	0	0	0	0
Change To Netincome	0	9,113	2,810	9,673	-213	11,751	4,753	5,461	2,176	2,942	7,197	-141	131	0	0	0	0	0
Change To Operating Activities	0	8,905	-2,411	2,703	4,235	-744	-6,945	-7,747	4,479	-4,917	0	0	0	0	0	0	0	0
Depreciation	5,172	3,464	3,084	3,224	2,986	2,655	2,159	2,049	1,988	1,898	1,617	1,648	10,014	-3,469	917	814	921	799
Dividends Paid	-8,222	-7,777	-7,867	-7,903	7,898	6,706	4,070	2,988	2,162	499	9,300	16,400	11,000	8,600	4,500	36,000	0	0
End Period Cash Flow	75,831	87,401	601,443	187,952	39,847	59,618	150,418	29,315	24,798	29,078	32,639	39,539	31,273	36,971	25,710	20,150	11,746	27,399
Exchange Rate Changes	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Free Cash Flow	39,183	48,493	53,243	46,883	40,098	42,118	22,835	16,375	35,337	24,595	19,929	8,182	14,201	-5,211	2,696	3,471	1,636	2,924
Investments	-217,730	-463,073	52,778	-261,705	-63,163	-28,504	7,870	-16,444	-12,499	15,597	-49,506	-5,170	-34,562	0	0	0	0	0
Issuance Of Capital Stock	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Net Borrowings	0	204,042	-2,798	-11,826	-18,140	-13,221	-64,032	-6,479	-18,222	-64,964	50,941	-46,925	0	0	0	0	0	0
Net Income	40,240	34,072	48,621	24,765	27,932	31,590	16,824	16,008	12,550	9,872	7,294	9,190	5,120	4,688	4,680	2,716	3,323	4,023
Other Cashflows From Financing Activities	70,875	-46,253	320,157	510,299	53,455	-89,192	-3,963,500	2,653,344	2,512,210	-28,604	20,989	-5,584	30,901	-2,436,029	-57,352	-1,998	105,290	190,104
Other Cashflows From Investing Activities	0	-29,573	4,624	3,816	-5,326	8,829	72,721	9,056	-48,606	-14,089	7,979	16,170	-10,771	1,741	0	0	0	0
Other Non Cash Items	2,583	13,626	4,184	18,477	6,176	17,920	8,844	9,518	6,492	11,391	9,376	-3,054	332	-101	2,053	-84,640	-41	-58
Sale Purchase Of Stock	-5,259	-11,333	-8,900	-14,013	-15,445	-1,194	-71	-357	-3,466	-561	-6,291	-5,828	-5,467	-8,577	-6,081	-672,776	0	0
Stock Based Compensation	2,375	2,441	2,354	2,050	2,414	2,540	2,135	1,570	1,120	1,452	2,127	2,077	1,916	1,834	1,262	89,752	888	-472
Total Cash From Financing Activities	41,329	-69,889	302,846	359,111	8,620	-113,243	17,677	-4,471	21,487	-29,664	14,697	-11,412	25,434	-55,284	-16,280	108,276	18,735	25,805
Total Cash From Operating Activities	41,205	51,199	55,715	49,030	43,938	47,128	24,751	20,488	36,165	27,900	21,275	9,633	15,384	3,067	4,444	7,923	3,796	3,660
Total Cashflows From Investing Activities	0	-495,352	54,930	-260,036	-72,329	-24,685	78,675	-11,500	-61,933	-1,797	-42,873	9,548	-46,516	63,478	17,396	0	0	0

	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31	2022-09-30	2022-06-30	2022-03-31	2021-12-31	2021-09-30	2021-06-30	2021-03-31	2020-12-31	2020-09-30	2020-06-30	2020-03-31	2019-12-31	2019-09-30	2019-06-30	2019-03-31	2018-12-31	2018-09-30	2018-06-30	2018-03-31	2017-12-31	2017-09-30	2017-06-30	2017-03-31	2016-12-31	2016-09-30	2016-06-30	2016-03-31	2015-12-31	2015-09-30	2015-06-30	2015-03-31	2014-12-31	2014-09-30	2014-06-30	2014-03-31	2013-12-31	2013-09-30	2013-06-30	2013-03-31	2012-12-31	2012-09-30	2012-06-30	2012-03-31	2011-12-31	2011-09-30	2011-06-30	2011-03-31	2010-12-31	2010-09-30	2010-06-30	2010-03-31	2009-12-31	2009-09-30	2009-06-30	2009-03-31	2008-12-31	2008-09-30	2008-06-30	2008-03-31	2007-12-31	2007-09-30	2007-06-30	2007-03-31	2006-12-31
Begin Period Cash Flow	84,520	96,873	107,171	87,401	150,556	444,151	548,019	601,443	413,694	393,203	282,700	187,952	185,836	234,255	64,102	39,847	61,289	71,325	103,786	59,618	61,724	80,489	124,142	150,418	51,626	51,702	52,379	29,315	23,953	26,853	17,960	24,798	23,539	30,228	30,176	29,078	54,621	56,326	57,221	32,639	35,953	51,958	48,272	39,539	52,308	51,212	33,801	31,273	32,917	21,588	22,467	36,971	23,772	25,560	17,841	25,710	37,353	14,007	25,592	20,150	60,389	14,454	13,169	11,746	19,227	16,515	33,261	27,399	0
Capital Expenditures	497	382	944	199	802	627	937	340	474	871	718	409	577	490	207	873	831	709	1,716	584	2,186	1,324	710	790	556	692	242	426	713	796	772	1,832	251	180	330	68	211	1,085	1,157	853	738	190	294	124	254	653	257	288	737	191	104	152	62	466	6,327	1,424	1,105	276	246	121	2,044	1,688	549	171	1,246	199	338	377	737
Cash And Cash Equivalents Changes	0	0	-10,298	19,770	-63,155	-293,595	-103,868	-53,424	187,749	20,491	110,503	94,748	2,116	-48,419	170,153	24,255	-21,442	-10,036	-32,461	44,168	-2,106	-18,765	-43,652	-26,276	98,792	-77	-676	23,064	5,362	-2,900	8,893	-6,837	1,259	-6,689	52	1,098	-25,543	-1,706	-895	24,582	-3,314	-16,005	3,686	8,732	-12,768	599	17,411	2,528	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Cash Flows Other Operating	0	0	1,285	1,738	-4,475	2,834	4,953	713	761	845	876	1,030	2,016	1,175	1,079	1,148	5,843	-41	-39	-39	-35	-35	-29	-26	2,695	-30	-29	-25	-23	-22	-21	-20	-6	-1	-2	-4	-4	-5	-6	-3	-2	-3	-2	-2	-3	-4	-5	-5	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Change In Cash	-8,689	-12,353	-10,298	19,770	-63,155	-293,595	-103,868	-53,424	187,749	20,491	110,503	94,748	2,116	-48,419	170,153	24,255	-21,442	-10,036	-32,461	44,168	-2,106	-18,765	-43,652	-26,276	98,792	-77	-676	23,064	5,362	-2,900	8,893	-6,837	1,259	-6,689	52	1,098	-25,543	-1,706	-895	24,582	-3,314	-16,005	3,686	8,732	-12,768	1,096	17,411	2,528	-1,644	11,329	-879	-14,504	13,199	-1,788	7,718	-7,868	-11,643	23,346	-11,586	5,442	-40,239	45,935	1,285	1,422	-7,480	2,711	-16,746	5,862	0
Change In Working Capital	-1,960	1,506	-4,456	-4,735	-742	930	3,158	-4,868	-1,586	-3,815	7,252	-6,923	2,912	825	-2,371	736	2,486	-1,131	3,385	-447	-1,906	-4,143	-6,691	3,026	-11,478	2,440	-708	-697	-1,869	1,956	-10,059	1,636	-2,025	14,904	1,449	-943	-4,199	6,191	3,411	-2,631	1,075	1,982	-283	-647	-1,247	2,915	-1,474	-745	-5,653	1,680	1,779	2,422	-308	-4,669	6,669	-870	-2,173	189	-1,769	839	-5,560	5,864	175	-35	-160	51	-1,009	259	0
Change Receivables	0	0	-4,768	-2,179	-1,220	-1,511	-1,594	-6,102	951	-2,144	1,626	-3,094	1,471	-136	-2,530	594	4,019	-1,861	-1,218	-882	33	-5,820	-4,915	1,732	-4,956	852	-650	1,257	623	1,016	-3,175	947	1,314	6,969	940	-317	-215	2,594	2,903	2,407	2,133	999	-902	-43	939	2,676	-1,938	-281	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Change To Account Receivables	1,618	-2,694	-4,768	-2,179	-1,220	-1,511	-1,594	-6,102	951	-2,144	1,626	-3,094	1,471	-136	-2,530	594	4,019	-1,861	-1,218	-882	33	-5,820	-4,915	1,732	-4,956	852	-650	1,257	623	1,016	-3,175	947	1,314	6,969	940	-317	-215	2,594	2,903	2,407	2,133	999	-902	-43	939	2,676	-1,938	-281	-4,508	1,779	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Change To Inventory	267	265	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	3,018	0	4,769	0	0	474	0	3,265	0	0	0	393	0	0	0	281	0	0	0	5,128	5,104	2,271	1,726	0	2,787	2,603	345	-157	0	0	3,212	18	0	0	0	888	0	0	0	433	1,086	790	0	742	0	0	0	0
Change To Liabilities	0	0	572	-2,303	735	2,672	4,965	1,448	-2,318	-1,450	5,847	-3,604	1,671	1,192	387	401	-1,295	999	4,805	600	-1,773	1,842	-1,612	1,454	-6,390	1,709	64	-1,836	-2,371	1,101	-6,804	810	-3,215	8,058	634	-495	-3,868	3,714	623	-4,928	-946	1,097	737	-484	-2,057	364	595	-332	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Change To Netincome	0	0	373	137	7,581	1,412	216	-96	988	-1,293	274	3,553	12,566	-7,345	1,986	2,466	964	-923	-1,338	1,084	5,359	7,451	-7,146	6,087	4,207	-343	654	235	6,310	2,215	1,647	-4,711	3,260	515	-1,083	-516	4,351	-902	379	-887	-1,124	3,619	2,366	2,335	-4,865	90	2,774	1,860	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Change To Operating Activities	0	0	0	0	478	2,441	4,752	4,752	-2,537	-1,671	5,626	-3,829	1,441	961	159	142	-1,533	730	4,603	435	-1,939	1,677	-1,775	1,294	-6,947	1,588	-58	-119	-7,747	-161	-80	-4	4,479	0	0	0	-4,917	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Depreciation	1,289	1,272	882	894	926	902	874	762	783	769	767	765	880	781	789	774	796	760	724	706	710	670	661	614	570	531	533	525	524	507	496	522	555	468	485	479	505	501	428	464	398	401	411	407	674	-269	-2,407	3,650	3,841	2,642	4,417	-886	-1,498	-1,035	-1,176	240	248	219	227	223	208	192	207	208	284	212	212	212	0
Dividends Paid	-2,037	-2,049	-2,064	-2,072	1,987	1,910	1,918	1,962	1,961	1,988	2,003	1,915	1,925	1,970	1,981	2,027	2,040	1,976	1,988	1,894	1,896	1,799	1,601	1,409	1,042	1,036	1,034	957	878	732	726	652	579	579	504	500	18,800	0	0	3,000	9,300	0	0	2,100	16,400	0	0	5,000	11,000	0	0	1,200	8,600	0	0	1,685	4,500	0	0	0	36,000	0	0	0	0	0	0	0	0
End Period Cash Flow	75,831	84,520	96,873	107,171	87,401	150,556	444,151	548,019	601,443	413,694	393,203	282,700	187,952	185,836	234,255	64,102	39,847	61,289	71,325	103,786	59,618	61,724	80,489	124,142	150,418	51,626	51,702	52,379	29,315	23,953	26,853	17,960	24,798	23,539	30,228	30,176	29,078	54,621	56,326	57,221	32,639	35,953	51,958	48,272	39,539	52,308	51,212	33,801	31,273	32,917	21,588	22,467	36,971	23,772	25,560	17,841	25,710	37,353	14,007	25,592	20,150	60,389	14,454	13,169	11,746	19,227	16,515	33,261	27,399
Exchange Rate Changes	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Free Cash Flow	9,320	12,591	7,332	9,603	13,722	16,372	17,212	1,187	11,319	11,300	19,850	10,774	30,344	4,769	4,720	7,050	12,071	7,238	9,909	10,880	12,737	13,627	-3,227	18,981	2,401	7,706	6,366	6,363	9,946	9,661	-3,202	-31	6,775	20,261	4,803	3,497	5,425	10,108	9,389	-327	2,604	9,318	3,823	4,184	-3,930	5,176	547	6,388	5,582	-954	4,845	4,727	3,310	-6,791	282	-2,012	-1,780	4,962	-3,105	2,618	-5,487	6,125	2,282	550	-527	646	29	1,488	2,923
Investments	1,285	-46,646	-35,035	-13,146	-121,490	-117,000	-149,315	-75,268	8,391	21,322	-9,252	-28,499	-28,369	14,444	-220,278	-27,502	-11,352	-9,509	-36,896	-5,406	-19,058	-3,639	11,191	-16,998	25,592	-14,971	6,219	-8,970	-11,787	-13,290	2,993	5,641	-3,479	8,372	-4,723	-12,669	3,616	-7,592	-28,629	48,202	-29,805	-12,967	1,537	-8,272	-806	1,897	13,481	-19,743	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Issuance Of Capital Stock	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Net Borrowings	0	0	28,570	100,512	151,389	-1,597	54,630	-380	-390	-1,077	-610	-721	-2,625	-3,600	-19,287	13,686	-7,246	-6,774	-3,292	-828	-898	-10,418	-941	-964	-10,319	-2,691	-50,687	-335	-20,279	3,777	22,105	-12,083	-28,222	38,500	-6,000	-22,500	-47,500	-7,500	21,275	-31,239	46,100	-1,600	3,295	3,146	2,897	-11,352	-38,470	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Net Income	9,385	9,754	9,781	11,320	10,776	10,434	8,461	4,401	10,238	15,059	11,396	11,928	11,585	8,782	2,493	1,905	6,606	6,856	6,580	7,890	8,089	8,262	7,776	7,464	3,242	4,090	4,486	5,006	4,282	4,360	4,016	3,350	3,963	2,899	2,840	2,848	2,809	2,877	2,753	1,433	1,706	2,483	1,244	1,862	2,324	3,052	1,753	2,060	2,134	923	1,267	795	1,465	911	1,467	845	22	1,497	1,437	1,724	-799	1,392	1,103	1,019	409	984	949	981	4,023
Other Cashflows From Financing Activities	73,223	45,870	6,454,696	6,186,081	49,982	-182,906	34,345	52,038	170,179	-4,935	42,412	114,587	4,069	-59,212	459,164	106,249	-13,103	4,498	12,022	50,003	3,984	-16,737	-50,416	-44,651	-4,166,530	10,619	168,053	24,358	-1,242,520	540,080	757,634	1,176,474	-2,421,531	20,751	5,553	-1,238,458	-37,658	-5,597	15,879	1,273	21,618	-12,995	-752	13,118	-10,532	-5,517	-2,250	17,714	-224,487	25,528	15,263	144,199	-3,341,361	320,632	615,783	-489,398	-641,443	11,004	10,539	562,547	-76,638	256,756	154,332	88,392	29,795	59,829	14,142	1,525	37,855
Other Cashflows From Investing Activities	0	0	13	417	102	-4,950	1,062	-25,787	233	1,853	519	1,619	773	523	662	1,858	596	3,111	-9,206	173	5,925	533	1,388	983	68,614	342	1,158	2,606	772	1,679	6,010	596	3,949	-55,215	2,032	628	3,145	1,429	2,899	-21,561	2,276	1,455	3,876	372	3,853	2,200	6,876	3,241	6,396	1,049	420	324	1,741	0	0	0	0	37	0	0	0	0	0	0	0	0	0	0	0
Other Non Cash Items	548	-152	1,374	1,824	3,277	4,347	4,761	1,241	919	-876	-46	4,187	14,234	-5,701	4,667	5,277	2,444	854	321	2,557	5,500	9,573	-5,100	7,946	4,506	900	2,666	772	8,278	3,032	2,326	-4,119	3,334	1,622	538	998	5,439	1,604	4,036	311	1,367	3,880	2,201	1,928	-5,814	-659	2,968	451	6,739	-6,494	-3,091	3,178	3,459	-1,995	-626	289,159	2,979	2,887	-3,036	-132	-85,914	1,610	1,346	-71	-13	-8	-9	413	0
Sale Purchase Of Stock	-541	-1,234	-3,149	-335	-56	-2,855	-5,031	-3,391	-102	-5,984	-1,629	-1,185	-2,405	-3,373	-2,847	-5,388	-3,026	-4,624	-3,010	-4,785	-814	-332	-47	-2	-23	-46	211	-2	-7	-46	-272	-32	-277	-280	-1,109	-1,800	-71	-54	-433	-4	-8	-816	-4,797	-671	-1,354	-3,157	-1,244	-73	-1,516	-2,526	-821	-603	-2,470	-2,221	-2,754	-1,132	-2,010	-997	-3,061	-13	-1,097,616	0	0	0	0	0	0	0	0
Stock Based Compensation	619	584	569	603	744	557	545	595	642	594	592	526	474	469	493	614	609	645	588	572	618	681	670	571	569	568	517	480	576	365	334	295	393	252	248	227	229	234	441	549	535	523	534	535	532	524	517	505	494	485	479	458	471	463	460	441	448	446	282	85	89,752	-1,232	0	-380	537	-384	311	0	0
Total Cash From Financing Activities	-20,161	21,202	17,392	22,896	44,511	-188,017	27,173	46,444	167,806	-13,984	38,170	110,854	-632	-68,155	385,049	42,849	-22,757	-10,876	3,732	38,521	-1,710	-29,286	-53,005	-29,243	2,185	6,846	-14,419	23,065	6,431	-951	3,093	-13,044	-5,987	19,893	-2,060	9,642	-37,729	-5,651	15,446	-1,731	21,610	-13,811	-5,549	12,447	-11,886	-8,674	-3,493	12,641	-9,704	23,001	14,441	-2,305	869	-6,034	3,915	-54,034	-10,158	994	-7,886	770	34,736	49,342	19,119	5,079	18,782	-1,288	1,229	12	25,806
Total Cash From Operating Activities	9,817	12,973	8,276	9,802	14,524	16,999	18,149	1,527	11,793	12,171	20,568	11,183	30,921	5,259	4,927	7,923	12,902	7,947	11,625	11,464	14,923	14,951	-2,517	19,771	2,957	8,399	6,608	6,788	10,659	10,457	-2,430	1,801	7,026	20,442	5,133	3,565	5,636	11,192	10,546	526	3,342	9,508	4,117	4,308	-3,676	5,829	804	6,676	6,319	-763	4,949	4,879	3,371	-6,325	6,609	-588	-675	5,238	-2,859	2,740	-3,443	7,813	2,831	721	719	845	367	1,865	3,660
Total Cashflows From Investing Activities	0	0	-35,966	-12,928	-122,190	-122,577	-149,190	-101,395	8,150	22,304	51,765	-27,289	-28,173	14,477	-219,823	-26,517	-11,587	-7,107	-47,818	-5,817	-15,319	-4,431	11,869	-16,804	93,650	-15,321	7,135	-6,789	-11,728	-12,407	8,230	4,405	220	-47,023	-3,021	-12,109	6,550	-7,247	-26,887	25,788	-28,267	-11,702	5,118	-8,023	2,794	3,444	20,100	-16,789	-46,516	-48,257	-37,348	0	63,478	54,519	43,948	46,754	17,396	18,206	1,092	1,932	0	0	0	0	0	0	0	0	0

Income Statement

Currency in USD. All numbers in thousands.

	2023-12-31	2022-12-31	2021-12-31	2020-12-31	2019-12-31	2018-12-31	2017-12-31	2016-12-31	2015-12-31	2014-12-31	2013-12-31	2012-12-31	2011-12-31	2010-12-31	2009-12-31	2008-12-31	2007-12-31	2006-12-31
Cost Of Revenue	-4	0	0	0	0	14,249	0	8,468	5,937	5,648	7,156	0	0	-231	-1,888	9,206	10,328	8,476
Depreciation And Amortization	5,172	1,602	1,163	1,360	1,583	2,655	2,159	2,049	1,988	1,898	1,617	1,648	10,014	-3,469	917	814	921	799
Discontinued Operations	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Ebit	-3,571	52,279	60,439	30,807	33,792	48,591	35,866	28,845	23,086	18,361	14,533	18,709	12,972	12,913	13,326	12,633	14,618	14,311
Ebitda	1,601	53,881	61,602	32,167	35,375	51,246	38,025	30,893	25,074	20,259	16,150	20,356	22,987	9,444	14,242	13,447	15,539	15,110
Effect Of Accounting Charges	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Extraordinary Items	0	0	0	0	0	789	-2,721	0	0	0	0	0	0	0	0	0	0	0
Gross Profit	178,872	131,896	117,260	106,516	100,411	105,453	77,811	73,573	63,314	59,214	47,887	48,660	39,999	33,488	27,550	22,100	18,197	17,042
Income Before Tax	50,146	42,502	60,439	30,807	33,792	38,285	29,317	23,576	19,220	15,078	11,030	13,795	7,755	7,032	6,989	3,885	4,710	6,096
Income Tax Expense	9,906	8,430	11,818	6,042	5,860	6,695	11,537	7,568	6,671	5,206	3,736	4,605	2,635	2,344	2,309	1,170	1,387	2,073
Interest Expense	15,467	7,919	5,913	11,918	16,212	10,306	6,549	5,268	3,865	3,283	3,503	4,914	5,217	5,881	6,337	8,747	9,908	8,215
Interest Income	156,859	125,930	106,902	104,129	102,208	102,312	74,398	67,684	58,410	0	0	0	0	0	0	0	0	0
Minority Interest	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Net Income	40,240	34,072	48,621	24,765	27,932	31,590	17,780	16,008	12,550	9,872	7,294	9,190	5,120	4,688	4,680	2,716	3,323	4,023
Net Income Applicable To Common Shares	0	34,072	48,621	24,765	27,932	31,590	16,824	16,008	12,550	9,872	7,294	9,190	5,120	4,688	4,680	2,715	3,323	4,023
Net Income From Continuing Ops	41,631	34,072	48,621	24,765	27,932	31,590	16,824	16,008	12,550	9,872	7,294	9,190	5,120	0	0	0	0	0
Net Interest Income	124,696	118,011	100,989	92,211	85,996	92,006	67,849	62,416	54,544	0	0	0	0	0	0	0	0	0
Non Operating Income Net Other	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Non Recurring	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Operating Income	-3,571	52,279	60,439	30,807	33,792	48,591	35,866	28,845	23,086	18,361	14,533	18,709	12,972	12,913	13,326	12,633	14,618	14,311
Other Items	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Other Operating Expenses	128,695	2,263	-56,821	-75,709	66,619	56,862	1,007,639	1,062,935	486,341	919,483	766,388	743,814	980,557	826,385	631,642	475,380	3,578	2,731
Preferred Stock And Other Adjustments	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Reconciled Depreciation	3,585	1,602	1,163	3,224	2,986	2,655	2,159	0	0	0	0	0	0	0	0	0	0	0
Research Development	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Selling And Marketing Expenses	2,146	2,263	1,871	1,132	1,576	1,162	1,008	1,063	486	919	766	744	981	827	634	475	515	405
Selling General Administrative	48,933	47,750	39,151	37,935	38,415	36,796	28,162	27,634	25,036	24,387	20,330	19,687	23,039	17,668	12,826	8,787	8,688	7,044
Tax Provision	10,481	8,430	11,818	6,042	5,860	6,695	12,493	7,568	6,671	0	0	0	0	0	0	0	0	0
Total Operating Expenses	22,525	2,263	-56,821	-75,709	-66,619	-56,862	1,007,639	1,062,935	486,341	919,483	766,388	743,814	980,557	826,616	633,530	475,380	-3,578	-2,731
Total Other Income Expense Net	50,146	-9,777	60,439	30,807	33,792	-10,306	-6,549	-5,268	-3,865	-3,283	-3,503	-4,914	-5,217	-5,881	-6,337	-8,747	-9,908	-8,215
Total Revenue	178,868	131,896	117,260	106,516	100,411	105,453	77,811	73,573	63,314	59,214	47,887	48,660	39,999	33,257	25,661	22,100	18,197	17,042

	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31	2022-09-30	2022-06-30	2022-03-31	2021-12-31	2021-09-30	2021-06-30	2021-03-31	2020-12-31	2020-09-30	2020-06-30	2020-03-31	2019-12-31	2019-09-30	2019-06-30	2019-03-31	2018-12-31	2018-09-30	2018-06-30	2018-03-31	2017-12-31	2017-09-30	2017-06-30	2017-03-31	2016-12-31	2016-09-30	2016-06-30	2016-03-31	2015-12-31	2015-09-30	2015-06-30	2015-03-31	2014-12-31	2014-09-30	2014-06-30	2014-03-31	2013-12-31	2013-09-30	2013-06-30	2013-03-31	2012-12-31	2012-09-30	2012-06-30	2012-03-31	2011-12-31	2011-09-30	2011-06-30	2011-03-31	2010-12-31	2010-09-30	2010-06-30	2010-03-31	2009-12-31	2009-09-30	2009-06-30	2009-03-31	2008-12-31	2008-09-30	2008-06-30	2008-03-31	2007-12-31	2007-09-30	2007-06-30	2007-03-31	2006-12-31
Cost Of Revenue	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	4,861	3,385	2,819	3,184	0	2,370	1,651	1,701	1,820	0	0	2,176	2,006	1,462	1,118	0	0	1,748	1,649	900	-231	1,275	3,170	1,545	0	1,260	2,423	2,024	52	1,925	1,415	1,380	1,553	1,710	1,739	1,744	1,633	1,845	1,879	1,844	2,034	2,247	2,406	2,519	2,816	2,624	2,463	2,425	8,476
Depreciation And Amortization	377	389	389	446	443	453	454	252	279	291	293	300	327	338	342	353	382	393	398	410	710	670	661	614	570	531	533	525	524	507	496	522	555	468	485	479	505	501	428	464	398	401	411	407	674	-269	-2,407	3,650	3,841	2,642	4,417	-886	-1,498	-1,035	-1,176	240	248	219	227	223	208	192	207	208	284	212	212	212	0
Discontinued Operations	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Ebit	0	12,219	22,049	20,672	17,249	15,768	12,255	5,442	12,815	18,471	14,261	14,892	14,525	10,950	3,054	2,278	8,292	8,159	8,135	9,206	8,705	10,369	9,778	9,433	8,751	6,248	6,861	7,457	5,772	6,611	6,095	5,099	5,989	4,637	4,281	4,313	4,327	4,513	4,173	2,065	2,625	3,726	1,864	2,814	3,441	4,558	2,664	3,132	3,189	1,280	1,993	1,293	2,203	1,358	2,206	1,265	53	2,072	2,219	2,645	-1,438	2,108	1,672	1,544	295	1,490	1,438	1,486	0
Ebitda	377	12,608	22,438	21,118	17,692	16,221	12,709	5,694	13,094	18,762	14,554	15,192	14,852	11,288	3,396	2,631	8,674	8,552	8,533	9,616	9,415	11,039	10,439	10,047	9,320	6,780	7,393	7,983	6,296	7,118	6,591	5,621	6,544	5,106	4,766	4,792	4,832	5,014	4,601	2,529	3,024	4,127	2,275	3,221	4,114	4,289	257	6,781	7,031	3,922	6,410	407	705	323	1,030	1,505	301	2,291	2,446	2,868	-1,231	2,300	1,878	1,752	580	1,703	1,650	1,699	0
Effect Of Accounting Charges	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Extraordinary Items	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	789	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Gross Profit	46,841	33,908	33,754	34,906	36,621	35,451	32,927	26,897	28,184	32,517	27,404	29,155	29,249	27,066	25,520	24,681	24,757	25,915	24,852	24,887	25,934	26,851	26,681	25,987	22,705	18,249	18,061	18,795	18,230	18,054	19,000	18,290	18,211	15,728	14,804	14,571	15,020	15,373	15,354	13,467	11,831	12,069	12,126	11,631	12,137	13,003	11,868	11,652	11,840	11,016	9,071	8,124	8,899	8,750	8,838	6,861	6,588	7,027	7,109	6,826	6,474	5,600	5,237	4,849	4,736	4,563	4,499	4,398	16,781
Income Before Tax	11,491	12,219	12,284	14,152	13,457	13,032	10,571	5,442	12,815	18,471	14,261	14,892	14,525	10,950	3,054	2,278	8,292	8,159	8,135	9,206	8,705	10,369	9,778	9,433	8,751	6,248	6,861	7,457	5,772	6,611	6,095	5,099	5,989	4,637	4,281	4,313	4,327	4,513	4,173	2,065	2,625	3,726	1,864	2,814	3,441	4,558	2,664	3,132	3,189	1,280	1,993	1,293	2,203	1,358	2,206	1,265	53	2,072	2,219	2,645	-1,438	2,108	1,672	1,544	295	1,490	1,438	1,486	6,096
Income Tax Expense	2,106	2,465	2,503	2,832	2,681	2,598	2,110	1,041	2,577	3,412	2,865	2,964	2,940	2,168	561	373	1,686	1,303	1,555	1,316	616	2,107	2,003	1,970	4,553	2,158	2,375	2,452	1,490	2,251	2,078	1,749	2,026	1,738	1,441	1,465	1,518	1,637	1,420	631	920	1,244	621	952	1,116	1,506	912	1,071	1,055	356	726	498	738	447	739	420	31	574	782	921	-639	716	568	525	-114	507	489	505	2,073
Interest Expense	3,581	12,569	9,765	6,520	3,313	2,287	1,264	1,055	1,138	1,289	1,653	1,833	2,169	2,570	3,253	3,926	4,186	4,333	4,046	3,647	3,248	2,599	2,239	2,219	1,944	1,709	1,501	1,394	1,321	1,308	1,313	1,326	1,335	894	823	813	834	856	838	755	733	823	922	1,025	1,135	1,204	1,262	1,313	1,389	1,400	1,150	1,278	1,406	1,543	1,539	1,394	1,477	1,558	1,631	1,670	1,736	2,156	2,307	2,549	2,538	2,565	2,418	2,387	8,215
Interest Income	43,399	42,078	40,071	38,115	36,595	34,264	30,505	24,562	25,788	28,423	25,763	26,928	27,368	25,842	25,670	25,249	25,444	25,474	25,921	25,369	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Minority Interest	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Net Income	9,385	9,754	9,781	11,320	10,776	10,434	8,461	4,401	10,238	15,059	11,396	11,928	11,585	8,782	2,493	1,905	6,606	6,856	6,580	7,890	8,089	8,262	7,776	7,464	4,198	4,090	4,486	5,006	4,282	4,360	4,016	3,350	3,963	2,899	2,840	2,848	2,809	2,877	2,753	1,433	1,706	2,483	1,244	1,862	2,324	3,052	1,753	2,060	2,134	923	1,267	795	1,465	911	1,467	845	22	1,497	1,437	1,724	-799	1,392	1,103	1,019	409	984	949	981	4,023
Net Income Applicable To Common Shares	0	9,754	9,781	11,320	10,776	10,434	8,461	4,401	10,238	15,059	11,396	11,928	11,585	8,782	2,493	1,905	6,606	6,856	6,580	7,890	8,089	8,262	7,776	7,464	3,242	4,090	4,486	5,006	4,282	4,360	4,016	3,350	3,963	2,899	2,840	2,848	2,809	2,877	2,753	1,433	1,706	2,483	1,244	1,862	2,324	3,052	1,753	2,060	2,134	923	1,267	795	1,465	911	1,467	845	22	1,497	1,437	1,724	1,323	1,392	1,104	1,019	409	984	949	981	4,023
Net Income From Continuing Ops	9,385	9,754	9,781	11,320	10,776	10,434	8,461	4,401	10,238	15,059	11,396	11,928	11,585	8,782	2,493	1,905	6,606	6,856	6,580	7,890	8,089	8,262	7,776	7,464	3,242	4,090	4,486	5,006	4,282	4,360	4,016	3,350	3,963	2,899	2,840	2,848	2,809	2,877	2,753	1,433	1,706	2,483	1,244	1,862	2,324	3,052	1,753	2,060	0	923	1,267	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Net Interest Income	29,282	29,509	30,306	31,595	33,282	31,977	29,241	23,507	24,650	27,134	24,110	25,095	25,199	23,272	22,417	21,323	21,258	21,141	21,875	21,722	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Non Operating Income Net Other	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Non Recurring	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Operating Income	0	12,219	22,049	20,672	17,249	15,768	12,255	5,442	12,815	18,471	14,261	14,892	14,525	10,950	3,054	2,278	8,292	8,159	8,135	9,206	8,705	10,369	9,778	9,433	8,751	6,248	6,861	7,457	5,772	6,611	6,095	5,099	5,989	4,637	4,281	4,313	4,327	4,513	4,173	2,065	2,625	3,726	1,864	2,814	3,441	4,558	2,664	3,132	3,189	1,280	1,993	1,293	2,203	1,358	2,206	1,265	53	2,072	2,219	2,645	-1,438	2,108	1,672	1,544	295	1,490	1,438	1,486	8,938
Other Items	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Other Operating Expenses	35,343	638	-11,705	307	1,615	658	648	21,455	1,871	399	268	171	1,132	288	160	298	1,576	418	308	271	1,162	286	306,434	259,555	1,007,639	287,340	287,807	226,596	1,062,935	193,483	0	257,664	486,341	129,197	112,654	110,328	919,483	244,364	244,218	207,241	766,157	152,270	172,327	239,195	743,814	202,400	184,890	151,474	980,609	184,179	215,145	161,050	5,067	5,772	202,200	201,737	633,530	131,119	154,279	167,653	475,380	82,241	201,038	756	1,903	508	643	525	0
Preferred Stock And Other Adjustments	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Reconciled Depreciation	912	389	389	446	443	453	454	252	279	291	293	300	880	781	789	774	796	760	724	706	710	670	661	614	570	531	533	525	524	507	496	522	555	468	485	479	505	501	428	464	398	401	411	407	674	-269	-2,407	3,650	3,841	2,642	4,417	-886	-1,498	-1,035	-1,176	240	248	219	227	223	208	192	207	208	284	212	212	212	0
Research Development	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Selling And Marketing Expenses	759	638	442	307	550	658	648	407	1,033	399	268	171	386	288	160	298	579	418	308	271	310	286	306	260	206	287	288	227	413	193	198	258	134	129	113	110	224	244	244	207	203	152	172	239	205	202	185	151	313	292	215	161	239	184	202	202	180	131	154	168	135	82	201	133	181	111	202	112	0
Selling General Administrative	11,401	12,492	12,601	12,439	12,880	12,128	12,583	10,159	9,991	9,809	9,687	9,664	9,417	9,740	9,362	9,416	9,438	10,266	9,613	9,098	9,304	9,328	9,222	8,941	7,432	7,062	6,892	6,775	6,788	6,723	6,921	7,201	6,945	6,268	6,063	5,761	6,094	5,785	5,712	6,795	5,336	5,018	4,880	5,096	5,118	6,377	6,023	5,868	5,809	7,009	4,868	4,950	4,611	4,717	4,891	3,703	3,516	3,334	3,199	2,768	2,359	2,192	2,458	2,380	2,629	2,059	2,049	1,951	7,044
Tax Provision	2,106	2,465	2,503	2,832	2,681	2,598	2,110	1,041	2,577	3,412	2,865	2,964	2,940	2,168	561	373	1,686	1,303	1,555	1,316	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Total Operating Expenses	6,422	638	-11,705	307	1,615	658	648	-21,455	1,871	399	268	171	1,132	288	160	298	1,576	418	308	271	1,162	286	306,434	259,555	1,007,639	287,340	287,807	226,596	1,062,935	193,483	-11,592	257,664	486,341	129,197	112,654	110,328	919,483	244,364	244,218	207,241	766,388	152,270	172,327	239,195	743,814	202,400	184,890	151,474	980,557	184,179	215,145	161,050	5,067	5,772	202,200	201,737	633,530	131,119	154,279	167,653	475,380	82,241	201,038	-756	-1,903	-508	-643	-525	0
Total Other Income Expense Net	11,491	12,219	-9,765	-6,520	-3,792	-2,736	-1,684	-1,565	-1,138	-1,767	-2,127	-2,298	-2,722	-3,013	-3,700	-4,347	-4,600	-4,700	-4,372	-3,943	-3,249	-2,599	-2,239	-2,219	-1,944	-1,709	-1,501	-1,394	-1,321	-1,308	-1,313	-1,326	-1,335	-894	-823	-813	-834	-856	-838	-755	-733	-823	-922	-1,025	-1,135	-1,204	-1,262	-1,313	-1,389	-1,400	-1,150	-1,278	-1,406	-1,543	-1,539	-1,394	-1,477	-1,558	-1,631	-1,670	-1,736	-2,156	-2,307	-2,549	-2,538	-2,565	-2,418	-2,387	0
Total Revenue	46,841	33,908	33,754	34,906	36,621	35,451	32,927	26,897	28,184	32,517	27,404	29,155	29,249	27,066	25,520	24,681	24,757	25,915	24,852	24,887	25,934	26,851	26,681	25,987	22,705	18,249	18,061	18,795	18,230	18,054	19,000	18,290	18,211	15,728	14,804	14,571	15,020	15,373	15,354	13,467	11,831	12,069	12,126	11,631	12,137	13,003	11,868	11,652	11,840	11,016	9,071	8,124	8,899	8,750	8,838	6,861	6,588	7,027	7,109	6,826	6,474	5,600	5,237	4,849	4,736	4,563	4,499	4,398	25,257

Latest Income Statement (annual, 2023-12-31)

Gross Profit (+$)
totalRevenue	178,868
Cost of Revenue	--4
Gross Profit	178,872	178,872

Operating Income (+$)
Gross Profit	178,872
Operating Expense	-22,525
Operating Income	-3,571	156,347

Operating Expense (+$)
Research Development	0
Selling General Administrative	48,933
Selling And Marketing Expenses	2,146
Operating Expense	22,525	51,079

Net Interest Income (+$)
Interest Income	156,859
Interest Expense	-15,467
Other Finance Cost	-16,696
Net Interest Income	124,696

Pretax Income (+$)
Operating Income	-3,571
Net Interest Income	124,696
Other Non-Operating Income Expenses	0
Income Before Tax (EBT)	50,146	-53,717 EBIT - interestExpense = -19,038 50,146 55,707
Interest Expense	15,467
Earnings Before Interest and Taxes (EBIT)	-3,571	65,613
Earnings Before Interest and Taxes (EBITDA)	1,601

After tax Income (+$)
Income Before Tax	50,146
Tax Provision	-10,481
Net Income From Continuing Ops	41,631	39,665
Net Income	40,240
Net Income Applicable To Common Shares	0

Non-recurring Events
Discontinued Operations	0
Extraordinary Items	0
Effect of Accounting Charges	0
Other Items	0
Non Recurring	0
Other Operating Expenses	128,695
Total Other Income/Expenses Net	50,146	-124,696

Technical Analysis of Home Bancorp Inc
The psychology behind the price

Technical indicators reflecting market sentiment and the collective psychology of you and other traders. Your emotions and other traders' emotions, such as fear and greed, play a significant role in driving price movements.

General trend

First of all, I'm going to put something in the back of your mind. One of the most stable factors that gives you more confidence as a trader: the general trend of Home Bancorp Inc. The general trend of Home Bancorp Inc is BULLISH with 28.6% confidence. It is very important for your mental being to use each indicator with this in mind. But beware, also the general trend flips once in a while! You can use moving averages to determine Home Bancorp Inc's overall trend. For convenience I use the most commonly used moving averages: 20, 50, 100 & 200. Of course you can use other moving averages or other indicators to determine the trend.

Indicator phases

Some of the indicators I use have 3 zones: overbought, oversold and neutral. Transitions between these zones (market phases) provide valuable trading signals and insights. Expecially with the general trend mind, I use the highlighted phases:

Indicator zone transitions	Bullish trend (28.6%)		Bearish trend (-28.6%)
Overbought to neutral	Bullish pullback	=	Bearish reversal
Upper to lower neutral	Bullish correction	=	Bearish continuation
Nuetral to oversold	Oversold	=	Oversold
Oversold to neutral	Bullish reversal	=	Bearish correction
Lower to upper neutral	Bullish continuation	=	Bearish pullback
Nuetral to overbought	Overbought	=	Overbought

1. Price Targets

1.1 Support & Resistance

Support and resistance are levels on a price chart that act as barriers or zones where the price of an asset tends to stop, reverse, or experience a significant amount of buying or selling pressure.

Support is a price level at which demand for an asset is strong enough to prevent the price from falling further.
Resistance is a price level at which selling pressure becomes significant enough to prevent the price of an asset from rising further.

Score

Let's take a look at the Support & Resistance of Home Bancorp Inc.

The long score for the Support & Resistance is 0/1.
The longshort score for the Support & Resistance is 0/(-1 +1).

Between support/resistance: The price is trading between support and resistance lines.

The bullish price targets are: 38.37 < 39.29 < 39.30.

The bearish price targets are: 31.69 > 31.04 > 30.16.

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Home Bancorp Inc Daily Support & Resistance Chart

2. Trend Indicators

2.1 Moving Averages

Shows the moving average of the selected period.

Moving averages are lagging trend indicators.
There are many types of moving averages.
Moving averages are also used within other indicators.

Score

Let's take a look at the Moving Averages of Home Bancorp Inc. The current mas is .

The long score for the Moving Averages is 9/14.
The longshort score for the Moving Averages is 4/(-14 +14).

MA 20 trending up: The MA 20 is trending up. +1
Close > MA 20: The price is above the MA 20. +1
MA 20 > MA 50: The MA 20 is higher than the MA 50. +1
MA 20 < MA 100: The MA 20 is lower than the MA 100. -1
MA 20 > MA 200: The MA 20 is higher than the MA 200. +1
MA 50 trending down: The MA 50 is trending down. -1
Close > MA 50: The price is above the MA 50. +1
MA 50 < MA 100: The MA 50 is lower than the MA 100. -1
MA 50 > MA 200: The MA 50 is higher than the MA 200. +1
MA 100 trending down: The MA 100 is trending down. -1
Close < MA 100: The price is below the MA 100. -1
MA 100 > MA 200: The MA 100 is higher than the MA 200. +1
MA 200 trending up: The MA 200 is trending up. +1
Close > MA 200: The price is above the MA 200. +1

Directionalities and relatives.

Moving Average	Amount of candles	vs. MA 50	vs. MA 100	vs. MA 200
MA 20	20
MA 50	50	-
MA 100	100	-	-
MA 200	200	-	-	-

Explanation: https://www.youtube.com/watch?v=xwW8h0lrQ-I

Shows the moving average of the selected period.

There are four types of indicators:

Trend indicators
Momentum indicators
Volatility indicators
Volume indicators

There are various kinds of moving averages:

Simple moving average (SMA);
Exponential moving average (EMA);
Smoothed moving average (SMMA);
Linear weighted moving average (LWMA).

The moving average looks at a certain period of time and it calculates the price average. The various types of averages are using various formulas. Don’t worry, you don’t have to memorize any formula. All moving averages are calculated automatically by basically every charting software you use. But it’s good to know how moving averages are actually calculated.

Simple moving average

SMA is calculated by summing up the price closures of the selected period. The price is then divided by the selected period. For example, when using the 21 day moving average you sum up all the closing prices for each day and divide that by 21. The result is a line on the chart representing the average. Because it’s an average in the selected timeframe, the trend is always lagging. An moving average looks like this on the chart:

Source: Tradingview.com

In this case, the blue line represents a 21 day moving average. Because the average is based on results from the past, the indicator will always lag behind. For example, when price would suddenly go up, the moving average won't immediately follow.

All other moving averages discussed below look the same on the chart. The only difference is that the line will move in different directions based on the maths behind the used indicators and the amount of days used to determine the average.

Exponential moving average

The EMA gives more weight to the latest closing prices by giving them more value in the equation. EMA is calculated by adding a certain percentage to the latest closing prices:

EMA = (CLOSE (i) * P) + (EMA (i - 1) * (1 - P))

Where:

CLOSE (i) = current period close price.
EMA (i - 1) = value of the Moving Average of a preceding period.
P = the percentage of using the price value.

Smoothed moving average

A smoothed moving average is an exponential moving average with a long lookback period. Older prices are reduced in weight but are never left out in the calculation. Unlike SMA and EMA where prices are removed when they are beyond the selected period. SMMA is a combination of the SMA and EMA. The main advantage is that it smooths out fluctuations in price.

Linear weighted moving average

The LWMA gives the latest price the highest weight and then lineary scales down with each price before that. The result is that the LWMA reacts quicker to changes in price than the SMA or EMA. The formula:

LWMA = ((Pn∗W1)+(Pn−1∗W2)+(Pn−2∗W3)...) / ∑W

Where:

P = Price for the period.
n = The most recent period, n-1 is the prior period, and n-2 is two periods prior.
W = The assigned weight to each period, with the highest weight going first and then descending linearly based on the number of periods being used.

Moving averages are widely used by many traders. Which moving average you need depends on your trading strategy. Common practise is using a combination of multiple periods. For example, the EMA21, EMA50, EMA100 and EMA200. How does that look on a chart:

Source: Tradingview.com

The lowest (purple) line on the chart represents the EMA200 then following up the EMA100, EMA50 and EMA21.

You can use moving averages to determine a trend. The 200 moving average is mostly used as a baseline for determining the current trend:

When the 200 moving average is moving up it is considered a bullish trend.
When the 200 moving average is down it is considered a bearish trend.
When moving averages are flatlined, there is no clear trend so you should look for market structure, consolidation or trend reversals. Depending on how you want to trade.

This is not set in stone. Most trading strategies use multiple moving averages each with different settings. While one strategy might use the EMA20, the other uses the SMA21. There can be hundreds of different variations. Moving averages can also be used as support and resistance. More often than not, prices will bounce on moving averages.

Home Bancorp Inc Daily Moving Averages Chart

2.2 Moving Average Convergence/Divergence (MACD)

Shows the momentum of the selected period based on two moving averages.

MACD is a lagging momentum indicator.
Uses two moving averages.
Can show buy or sell signals based on momentum.
Can show overbought. and oversold. levels.

Score

Let's take a look at the Moving Average Convergence/Divergence (MACD) of Home Bancorp Inc. The current macd is -0.24714424.

The long score for the Moving Average Convergence/Divergence (MACD) is 3/4.
The longshort score for the Moving Average Convergence/Divergence (MACD) is 2/(-4 +4).

MACD line > signal line: The MACD line is above the signal line, which indicates a bullish signal in the market. This means that the positive momentum is currently stronger than the average momentum, suggesting that buyers are more active than sellers, and there's a higher probability of the Home Bancorp Inc price going up in the near term. +2
MACD < 0: The MACD is below the zero line (centerline), it indicates a bearish signal for Home Bancorp Inc. This means that the short-term moving average is lower than the long-term moving average, signaling negative momentum and suggesting a higher likelihood of the Home Bancorp Inc price continuing to fall in the near future. It indicates that sellers are gaining control, and there is negativism in the market, leading to potential price decreases. -1
Trending up: The MACD line is trending up. This indicates that the short-term moving average is rising faster than the long-term moving average, suggesting positive momentum in the market. This signals that buyers are becoming more active and confident, leading to potential price increases as traders anticipate further gains and are willing to buy at higher prices. +1

Home Bancorp Inc Daily Moving Average Convergence/Divergence (MACD) Chart

2.3 Directional Movement Index (DMI)

The DMI is a collection of 3 indicators: +DI (Plus Direction Indicator), -DI (Minus Direction Indicator) and ADX (Average Directional Index). The ADX helps you determine the strength of a trend.

Score

Let's take a look at the Directional Movement Index (DMI) of Home Bancorp Inc. The current adx is 23.10.

The long score for the Directional Movement Index (DMI) is 2/7.
The longshort score for the Directional Movement Index (DMI) is 2/(-7 +7).

PLUS_ID > MINUS_DI: The +DI line is above the -DI line. This indicates a bullish signal in the market, as the positive directional movement is currently stronger than the negative directional movement, showing that buyers have the upper hand. Market psychology suggests that traders are optimistic, expecting further price increases, and are more willing to buy Home Bancorp Inc shares, leading to potential upward momentum in its price. +1
PLUS_ID > MINUS_DI && ADX < 25 && ADX trending up: The ADX is below 25 and indicates a weak or no trend. However, the ADX is rising and a new bullish trend could be forming. +1

Home Bancorp Inc Daily Directional Movement Index (DMI) Chart

2.4 Parabolic SAR

Shows the current trend and potential entry and exit signals.

Parabolic SAR (stop and reverse) is a lagging trend indicator.
Shows the current trend.
Shows potential entry signals.
Shows potential exit signals.
Can be used to place trailing stoplosses..

Score

Let's take a look at the Parabolic SAR of Home Bancorp Inc. The current sar is 33.38.

The long score for the Parabolic SAR is 1/1.
The longshort score for the Parabolic SAR is 1/(-1 +1).

Close > SAR: The price is above the SAR. It's generally considered a bullish signal. +1

Home Bancorp Inc Daily Parabolic SAR Chart

3. Momentum Indicators

3.1 Relative Strength Index (RSI)

Measures the speed and change of price movements.

Leading momentum indicator, meaning the signals are instant.
Ranges between 0 and 100.
Above 70 is considered overbought.
Below 30 is considered oversold.
Above or below 50 can also be used to determine price trend or support and resistance.
RSI divergence looks at a deviation between RSI and price movement. Penketrading automatically calculates RSI divergences.
Can be used in many different ways

Score

Let's take a look at the Relative Strength Index (RSI) of Home Bancorp Inc. The current rsi is 54.31. The current phase is Continuation in bull market.

The long score for the Relative Strength Index (RSI) is 4/13.
The longshort score for the Relative Strength Index (RSI) is 4/(-13 +13).

Continuation in bull market: Uptrend continues after a consolidation or pullback. Hold or add to existing positions.
Trending up: The RSI is trending up. +1

Measures the speed and change of price movements.

There are four types of indicators:

Trend indicators
Momentum indicators
Volatility indicators
Volume indicators

The RSI measures the magnitude of recent price changes to determine if the asset is overbought or oversold.

Overbought (RSI above 70) means that the trading price is above its intrinsic value. This might indicate a sell or short signal.
Oversold (RSI below 30) means that the trading price is below its intrinsic value. This might indicate a buy or long signal.
RSI levels above or below 50 can also be used to determine a trend.
RSI divergence looks at a deviation between RSI and price movement.
Can be used in many different ways.

Original usage

Keep in mind that almost every indicator can be used in different ways. Even beyond the orginal settings. The relative strength index was developed by J. Welles Wilder. Wilder recommended a smoothing period of 14 days. That means a 14 day moving average (read more about this setting below). Another quote from the wikipedia page:

Wilders also considers the RSI 50 line as both support and resistance. I recommend to always read the original settings first before using an indicator. Many traders and websites are using their own version of the indicator which might be confusing.

How you can use RSI (Divergence)

First and foremost, there is no real right or wrong usage of the RSI indicator. You can use it in any way you want. Wilder recommends using a 14 day average but you can make it 50 or 100 if you like. Just keep in mind that using an indicator is just part of a larger trading plan. In other words, it’s not recommended to do any trading or investing based on a single indicator like the RSI.

The RSI is measured on a scale between 0 and 100. From 30 till 0 is considered oversold. and from 70 -100 is overbought. The RSI is a leading indicator, meaning the signals are instant.

I like to use the RSI as a trend\momentum indicator and not as an overbought or oversold indicator. I use the middle (50) as the baseline. When prices go above RSI 50 the trend is bullish and can indicate long positions. When below 50 it is considered bearish and can indicate short positions. Other traders use the 70 and 30 levels as overbought/oversold depending on the used strategy. The RSI indicator looks like this:

Source: Tradingview.com

The general concensus is that an RSI above 70 indicates that the security is overbought. In other words, the price this security is trading for is to high and should come down. So if RSI hits 70 or above this might indicate a sell signal or taking a short position (expecting the price will go down). Although RSI above 70 indicates the security is trading above it's fair value, that does not mean the price will go down.

Use tradingview to add indicators

I highly recommend using tradingview to add indicators to a chart. It has all the indicators you can think off and can add them for free (up to three indicators) to any chart you want. You can see that the levels 30 and 70 are marked with a dotted line. If you want you can remove these lines or give it another colour using Tradingview. You can also adjust the moving average used. You can also find RSI indicators made by the community that include other settings like RSI divergences.

Tradingview

Use Tradingview to (back)test your strategies and add hundreds of indicators created by the community.

View tool on Tradingview.com

RSI divergence

RSI is not only used to determine momentum but can also spot reversals or continuations of the trend. A reversal means that the trend is going in the opposite direction. From bullish to bearish or from bearish to bullish. These reversals can be spotted by looking at the price and the direction of the RSI. When the price is going up but the RSI is going down that means there is a divergence. This is also the case when RSI goes up but price is going down.

There are four types of divergences:

Regular bullish divergence
Regular bearish divergence
Hidden bullish divergence
Hidden bearish divergence

Regular bullish divergence

With a regular bullish divergence, the price is making lower highs but the oscillator (in this case the RSI) is making higher lows. A regular bullish divergence might indicate the end of the current trend. You’ll see regular bullish divergences mostly at the end of a downtrend. But that does not mean that every regular bullish divergence is a trend reversal.

Price is making lower highs
RSI is making higher lows
Indicating bullish reversal (price might go up)

Source: Tradingview.com

Regular bearish divergence

With a regular bearish divergence the price is making higher highs but the oscillator (in this case the RSI) is making lower highs. This might indicate the end of an uptrend.

Price is making higher highs
RSI is making lower highs
Indicating bearish reversal

Source: Tradingview.com

Hidden bullish divergence

With a hidden bullish divergence, the price is making a higher low while the RSI is making a lower low. This might indicate bullish trend continuation.

Price is making higher lows
RSI is making lower lows
Indicating bullish continuation

Source: Tradingview.com

As you have noticed, you can have multiple divergences in a row.

Hidden bearish divergence

With a hidden bearish divergence, price is making lower highs but RSI is making higher highs. This might indicate bearish trend continuation.

Price is making lower highs
RSI making higher highs
Indicating bearish continuation

Source: Tradingview.com

You can find many cheatsheets of RSI divergences online. Search for "RSI divergence overview" and you'll find a lot of examples. You can print these to learn the various types of divergences.

Home Bancorp Inc Daily Relative Strength Index (RSI) Chart

3.2 Stochastic Oscillator

Compares a certain price to multiple prices ranging over time.

Leading momentum indicator, meaning the signals are instant.
Used to determine overbought and oversold areas much like the RSI.
Ranges between 0 and 100.
Above 80 is considered overbought.
Below 20 is considered oversold.
Consists of two lines named K and D.
K compares the highest high and lowest low on the selected price range.
The D line is a moving average of the K line.
Can be used to spot divergences

Score

Let's take a look at the Stochastic Oscillator of Home Bancorp Inc. The current phase is Continuation in bull market.

The long score for the Stochastic Oscillator is 4/6.
The longshort score for the Stochastic Oscillator is 4/(-6 +6).

STOCH > 50: The STOCH %K is above 50. There are more buyers than sellers. +1
STOCH %K line > STOCH %D line: The STOCH %K line is above the STOCH %D line, which indicates a bullish signal in the market. This means that the positive momentum is currently stronger than the average momentum, suggesting that buyers are more active than sellers, and there's a higher probability of the Home Bancorp Inc price going up in the near term. +2
Trending up: The STOCH %K is trending up. +1

Home Bancorp Inc Daily Stochastic Oscillator Chart

3.3 Commodity Channel Index (CCI)

Measures the difference between the current price and the historical average price.

Lagging or leading Momentum indicator
When the CCI is above zero, the price is above the historical average
When the CCI is below zero, the price is below the historical average
Used for spotting trends
- If the CCI moves from negative or near zero to positive 100 that might indicate an uptrend
- If the CCI moves from positive or near zero to negative -100 that might indicate a downtrend

Score

Let's take a look at the Commodity Channel Index (CCI) of Home Bancorp Inc. The current cci is 12.34.

Home Bancorp Inc Daily Commodity Channel Index (CCI) Chart

3.4 Chande Momentum Oscillator (CMO)

Measures the difference between the sum of recent gains and the sum of recent losses. Then divides the result by the sum of all price movements in that period.

Lagging momentum indicator
Ranges between +100 and -100
Considered overbought above +50
Considered oversold below -50
It's possible to add a moving average that acts as a signal line

Score

Let's take a look at the Chande Momentum Oscillator (CMO) of Home Bancorp Inc. The current cmo is 16.70.

The long score for the Chande Momentum Oscillator (CMO) is 1/1.
The longshort score for the Chande Momentum Oscillator (CMO) is 1/(-1 +1).

CMO > 0: The CMO is above 0, the momentum of the price is positive, indicating a potential uptrend in the price. +1

Home Bancorp Inc Daily Chande Momentum Oscillator (CMO) Chart

3.5 Williams %R

Shows the current price relative to the highest high over the last 14 days.

Lagging momentum indicator
Ranging between 0 and -100
Above -20 is considered overbought
Below -80 is considered oversold
Is prone to give false signals

Score

Let's take a look at the Williams %R of Home Bancorp Inc. The current willr is -35.7562779.

The long score for the Williams %R is 0/1.
The longshort score for the Williams %R is 0/(-1 +1).

WILLR between -80 and -20: The Williams %R is between -80 and -20. This indicates that Home Bancorp Inc is trading in a neutral price range, neither oversold nor overbought, suggesting a balanced market condition without any extreme price signals.

Home Bancorp Inc Daily Williams %R Chart

4. Volatility Indicators

4.1 Bollinger Bands

Shows if the price is to high or to low relative to an average.

Lagging volatility indicator
Uses 3 bands: one upper, one lower and one in the middle
Works best when the middle band reflects an intermediate trend (MA20).
When the price is moving closer to the upper band, the market might be overbought
When the price is moving closer to the lower band, the market might be oversold

Score

Let's take a look at the Bollinger Bands of Home Bancorp Inc.

Home Bancorp Inc Daily Bollinger Bands Chart

4.2 Average True Range (ATR)

Measures market volatility

Leading volatility indicator
Can be used to determine stop-loss positions
Calculated by:
- Current high minus the current low
- Current high minus the previous close
- Current low minus the previous close
The larger the range of the candles, the greater the ATR value

Score

Let's take a look at the Average True Range (ATR) of Home Bancorp Inc. The current atr is 1.14679649.

Home Bancorp Inc Daily Average True Range (ATR) Chart

5. Volume Indicators

5.1 On-Balance Volume (OBV)

Measures market volatility

Leading momentum indicator
Calculation:
- If the closing price is above the previous closing price: OBV = previous OBV + current volume
- If the closing price is below the previous closing price: OBV = previous OBV - current volume
- If the closing price is the same as the previous closing price than the OBV is the same.
Can be used to confirm price trends
Can be used with divergences

Score

Let's take a look at the On-Balance Volume (OBV) of Home Bancorp Inc. The current obv is 403,635.

Home Bancorp Inc Daily On-Balance Volume (OBV) Chart

5.2 Money Flow Index (MFI)

Measures the flow of money in and out of a security

Lagging momentum indicator
Looks like RSI but uses volume as an extra metric (RSI only considers price)
Above 80 is considered overbought
Below 20 is considered oversold
Can be used with divergences

Score

Let's take a look at the Money Flow Index (MFI) of Home Bancorp Inc. The current mfi is 55.31.

The long score for the Money Flow Index (MFI) is 1/2.
The longshort score for the Money Flow Index (MFI) is 1/(-2 +2).

MFI > 50: +1

Home Bancorp Inc Daily Money Flow Index (MFI) Chart

6. Summary

6.1. Notifications

Type	Notification	Date
Currently no notifications for Home Bancorp Inc.

6.2. Trading Signals

Below you will find trading signals as the indicator is commonly used. This doesn't mean you should use it that way. Learn from these, but don't use them blindly. I recommend using at least 4 indicators, 1 from each category: trend, momentum, volatility and volume.

Date	Indicator	Signal
2023-12-01	CMO	LONG ENTRY	SHORT CLOSE	Zero line crossover to upside
2023-12-04	STOCH	SHORT EXIT		The %K line crosses above the %D line.
2023-12-07	CCI	LONG ENTRY	SHORT CLOSE	100 crossover to upside
	WILLR	LONG ENTRY	SHORT CLOSE	-20 crossover to upside
2023-12-08	MACD	LONG ENTRY	SHORT CLOSE	The MACD line crosses above the signal line.
2023-12-11	STOCH	LONG EXIT		The %K line crosses below the %D line.
2023-12-14	STOCH	SHORT EXIT		The %K line crosses above the %D line.
	WILLR	LONG ENTRY	SHORT CLOSE	-20 crossover to upside
	BB	SHORT ENTRY	LONG CLOSE	Price closed above the lower band.
	ATR	LONG ENTRY	SHORT CLOSE	Price closed above (close + ATR).
	MFI	LONG ENTRY	SHORT CLOSE	80 crossover to upside
2023-12-15	ATR	LONG ENTRY	SHORT CLOSE	Price closed above (close + ATR).
2023-12-18	STOCH	LONG EXIT		The %K line crosses below the %D line.
2023-12-19	WILLR	LONG ENTRY	SHORT CLOSE	-20 crossover to upside
2023-12-22	STOCH	SHORT EXIT		The %K line crosses above the %D line.
2023-12-26	WILLR	LONG ENTRY	SHORT CLOSE	-20 crossover to upside
2023-12-29	SAR	SHORT ENTRY	LONG CLOSE	The price broke the SAR to the downside
	RSI	SHORT ENTRY	LONG CLOSE	70 crossover to downside
	STOCH	LONG EXIT		The %K line crosses below the %D line.
	ATR	SHORT ENTRY	LONG CLOSE	Price closed below (close - ATR).
2024-01-02	MACD	SHORT ENTRY	LONG CLOSE	The MACD line crosses below the signal line.
2024-01-03	CMO	SHORT ENTRY	LONG CLOSE	Zero line crossover to downside
	ATR	SHORT ENTRY	LONG CLOSE	Price closed below (close - ATR).
2024-01-04	MFI	SHORT ENTRY	LONG CLOSE	80 crossover to downside
2024-01-05	CMO	LONG ENTRY	SHORT CLOSE	Zero line crossover to upside
2024-01-08	CMO	SHORT ENTRY	LONG CLOSE	Zero line crossover to downside
2024-01-09	WILLR	SHORT ENTRY	LONG CLOSE	-80 crossover to downside
2024-01-10	DMI	SHORT ENTRY	LONG CLOSE	The +DI crossed the -DI to the downside. The trend is reversing to a down trend.
	STOCH	SHORT EXIT		The %K line crosses above the %D line.
2024-01-11	DMI	LONG ENTRY	SHORT CLOSE	The +DI crossed the -DI to the upside. The trend is reversing to an up trend.
2024-01-12	CMO	LONG ENTRY	SHORT CLOSE	Zero line crossover to upside
2024-01-16	DMI	SHORT ENTRY	LONG CLOSE	The +DI crossed the -DI to the downside. The trend is reversing to a down trend.
	STOCH	LONG EXIT		The %K line crosses below the %D line.
	CCI	SHORT ENTRY	LONG CLOSE	-100 crossover to downside
	CMO	SHORT ENTRY	LONG CLOSE	Zero line crossover to downside
	WILLR	SHORT ENTRY	LONG CLOSE	-80 crossover to downside
	BB	LONG ENTRY	SHORT CLOSE	Price closed below the lower band.
	ATR	SHORT ENTRY	LONG CLOSE	Price closed below (close - ATR).
2024-01-17	STOCH	SHORT EXIT		The %K line crosses above the %D line.
2024-01-22	SAR	LONG ENTRY	SHORT CLOSE	The price broke the SAR to the upside.
	CMO	LONG ENTRY	SHORT CLOSE	Zero line crossover to upside
2024-01-23	DMI	LONG ENTRY	SHORT CLOSE	The +DI crossed the -DI to the upside. The trend is reversing to an up trend.
	WILLR	LONG ENTRY	SHORT CLOSE	-20 crossover to upside
2024-01-24	DMI	SHORT ENTRY	LONG CLOSE	The +DI crossed the -DI to the downside. The trend is reversing to a down trend.
2024-01-25	MACD	LONG ENTRY	SHORT CLOSE	The MACD line crosses above the signal line.
	DMI	LONG ENTRY	SHORT CLOSE	The +DI crossed the -DI to the upside. The trend is reversing to an up trend.
2024-01-26	STOCH	LONG EXIT		The %K line crosses below the %D line.
2024-01-29	DMI	SHORT ENTRY	LONG CLOSE	The +DI crossed the -DI to the downside. The trend is reversing to a down trend.
	STOCH	SHORT EXIT		The %K line crosses above the %D line.
	CCI	LONG ENTRY	SHORT CLOSE	100 crossover to upside
	WILLR	LONG ENTRY	SHORT CLOSE	-20 crossover to upside
	ATR	LONG ENTRY	SHORT CLOSE	Price closed above (close + ATR).
2024-01-30	STOCH	LONG EXIT		The %K line crosses below the %D line.
2024-01-31	MACD	SHORT ENTRY	LONG CLOSE	The MACD line crosses below the signal line.
	SAR	SHORT ENTRY	LONG CLOSE	The price broke the SAR to the downside
	CMO	SHORT ENTRY	LONG CLOSE	Zero line crossover to downside
	ATR	SHORT ENTRY	LONG CLOSE	Price closed below (close - ATR).
2024-02-01	CCI	SHORT ENTRY	LONG CLOSE	-100 crossover to downside
2024-02-02	WILLR	SHORT ENTRY	LONG CLOSE	-80 crossover to downside
2024-02-05	STOCH	SHORT EXIT		The %K line crosses above the %D line.
	BB	LONG ENTRY	SHORT CLOSE	Price closed below the lower band.
2024-02-07	STOCH	LONG EXIT		The %K line crosses below the %D line.
2024-02-08	STOCH	SHORT EXIT		The %K line crosses above the %D line.
2024-02-13	STOCH	LONG EXIT		The %K line crosses below the %D line.
	CCI	SHORT ENTRY	LONG CLOSE	-100 crossover to downside
	WILLR	SHORT ENTRY	LONG CLOSE	-80 crossover to downside
	ATR	SHORT ENTRY	LONG CLOSE	Price closed below (close - ATR).
2024-02-14	STOCH	SHORT EXIT		The %K line crosses above the %D line.
	ATR	LONG ENTRY	SHORT CLOSE	Price closed above (close + ATR).
2024-02-15	SAR	LONG ENTRY	SHORT CLOSE	The price broke the SAR to the upside.
	CMO	LONG ENTRY	SHORT CLOSE	Zero line crossover to upside
2024-02-16	STOCH	LONG EXIT		The %K line crosses below the %D line.
	CMO	SHORT ENTRY	LONG CLOSE	Zero line crossover to downside
2024-02-21	STOCH	SHORT EXIT		The %K line crosses above the %D line.
2024-02-22	STOCH	LONG EXIT		The %K line crosses below the %D line.
2024-02-23	STOCH	SHORT EXIT		The %K line crosses above the %D line.
2024-02-26	STOCH	LONG EXIT		The %K line crosses below the %D line.
2024-02-29	STOCH	SHORT EXIT		The %K line crosses above the %D line.
2024-03-01	MACD	LONG ENTRY	SHORT CLOSE	The MACD line crosses above the signal line.
	STOCH	LONG EXIT		The %K line crosses below the %D line.
2024-03-04	MACD	SHORT ENTRY	LONG CLOSE	The MACD line crosses below the signal line.
	SAR	SHORT ENTRY	LONG CLOSE	The price broke the SAR to the downside
	CCI	SHORT ENTRY	LONG CLOSE	-100 crossover to downside
	WILLR	SHORT ENTRY	LONG CLOSE	-80 crossover to downside
2024-03-06	STOCH	SHORT EXIT		The %K line crosses above the %D line.
2024-03-07	MACD	LONG ENTRY	SHORT CLOSE	The MACD line crosses above the signal line.
2024-03-08	STOCH	LONG EXIT		The %K line crosses below the %D line.
	WILLR	SHORT ENTRY	LONG CLOSE	-80 crossover to downside
2024-03-11	CCI	SHORT ENTRY	LONG CLOSE	-100 crossover to downside
2024-03-12	MACD	SHORT ENTRY	LONG CLOSE	The MACD line crosses below the signal line.
2024-03-13	MACD	LONG ENTRY	SHORT CLOSE	The MACD line crosses above the signal line.
	STOCH	SHORT EXIT		The %K line crosses above the %D line.
2024-03-14	MACD	SHORT ENTRY	LONG CLOSE	The MACD line crosses below the signal line.
	STOCH	LONG EXIT		The %K line crosses below the %D line.
	CCI	SHORT ENTRY	LONG CLOSE	-100 crossover to downside
	WILLR	SHORT ENTRY	LONG CLOSE	-80 crossover to downside
2024-03-15	MACD	LONG ENTRY	SHORT CLOSE	The MACD line crosses above the signal line.
	STOCH	SHORT EXIT		The %K line crosses above the %D line.
2024-03-18	MACD	SHORT ENTRY	LONG CLOSE	The MACD line crosses below the signal line.
	STOCH	LONG EXIT		The %K line crosses below the %D line.
	WILLR	SHORT ENTRY	LONG CLOSE	-80 crossover to downside
2024-03-19	MACD	LONG ENTRY	SHORT CLOSE	The MACD line crosses above the signal line.
	STOCH	SHORT EXIT		The %K line crosses above the %D line.
2024-03-21	DMI	LONG ENTRY	SHORT CLOSE	The +DI crossed the -DI to the upside. The trend is reversing to an up trend.
	CMO	LONG ENTRY	SHORT CLOSE	Zero line crossover to upside
	WILLR	LONG ENTRY	SHORT CLOSE	-20 crossover to upside
2024-03-25	STOCH	LONG EXIT		The %K line crosses below the %D line.
2024-03-26	SAR	LONG ENTRY	SHORT CLOSE	The price broke the SAR to the upside.
	STOCH	SHORT EXIT		The %K line crosses above the %D line.
2024-03-27	CCI	LONG ENTRY	SHORT CLOSE	100 crossover to upside
	BB	SHORT ENTRY	LONG CLOSE	Price closed above the lower band.
	ATR	LONG ENTRY	SHORT CLOSE	Price closed above (close + ATR).
2024-04-01	STOCH	LONG EXIT		The %K line crosses below the %D line.
	ATR	SHORT ENTRY	LONG CLOSE	Price closed below (close - ATR).
2024-04-03	STOCH	SHORT EXIT		The %K line crosses above the %D line.
2024-04-05	STOCH	LONG EXIT		The %K line crosses below the %D line.
2024-04-10	SAR	SHORT ENTRY	LONG CLOSE	The price broke the SAR to the downside
	CMO	SHORT ENTRY	LONG CLOSE	Zero line crossover to downside
	WILLR	SHORT ENTRY	LONG CLOSE	-80 crossover to downside
	ATR	SHORT ENTRY	LONG CLOSE	Price closed below (close - ATR).
2024-04-11	MACD	SHORT ENTRY	LONG CLOSE	The MACD line crosses below the signal line.
2024-04-12	DMI	SHORT ENTRY	LONG CLOSE	The +DI crossed the -DI to the downside. The trend is reversing to a down trend.
	STOCH	SHORT EXIT		The %K line crosses above the %D line.
	CCI	SHORT ENTRY	LONG CLOSE	-100 crossover to downside
2024-04-16	STOCH	LONG EXIT		The %K line crosses below the %D line.
2024-04-17	BB	LONG ENTRY	SHORT CLOSE	Price closed below the lower band.
2024-04-18	DMI	LONG ENTRY	SHORT CLOSE	The +DI crossed the -DI to the upside. The trend is reversing to an up trend.
2024-04-19	STOCH	SHORT EXIT		The %K line crosses above the %D line.
	CMO	LONG ENTRY	SHORT CLOSE	Zero line crossover to upside
	ATR	LONG ENTRY	SHORT CLOSE	Price closed above (close + ATR).
2024-04-22	SAR	LONG ENTRY	SHORT CLOSE	The price broke the SAR to the upside.
	CMO	SHORT ENTRY	LONG CLOSE	Zero line crossover to downside
2024-04-23	CMO	LONG ENTRY	SHORT CLOSE	Zero line crossover to upside
2024-04-24	MACD	LONG ENTRY	SHORT CLOSE	The MACD line crosses above the signal line.

6.3. Candlestick Patterns

Home Bancorp Inc Daily Candlestick Chart

Date	Candlestick Pattern

6.4. Technical Score

Let's check the technical score of Home Bancorp Inc based on Penke's default Symbol scanner.

Penke's Symbol Scanner

Indicator	Condition		Value
Rsi	Greater than	50	54.312
Ma 20	Greater than	Ma 50	36.009
Ma 50	Greater than	Ma 100	35.979
Ma 100	Greater than	Ma 200	38.062
Open	Greater than	Close	35.870
Total			3/5 (60.0%)

Create your own Symbol Scanner

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Home Bancorp Inc Buy, Hold or Sell?

Let's analyse Home Bancorp Inc together

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Quick analysis of Home Bancorp Inc (30 sec.)

What can you expect buying and holding a share of Home Bancorp Inc? (30 sec.)

How much money do you get?

What is your share worth?

+ What do you gain per year?

For what price can you sell your share?

1. Valuation of Home Bancorp Inc (5 min.)

$36.48

$45.09

$-80.06 - $62.79

$-34.97 - $107.88

2. Growth of Home Bancorp Inc (5 min.)

Is Home Bancorp Inc growing?

How much money is Home Bancorp Inc making?

How much money comes from the company's main activities?

3. Financial Health of Home Bancorp Inc (5 min.)

4. Comparing to competitors in the Banks - Regional industry (5 min.)

Industry Rankings (Banks - Regional)

What can you expect buying and holding a share of Home Bancorp Inc? (5 min.)

What can you expect buying and holding a share of Home Bancorp Inc?

Speculation

Investing

How much money are you going to get?

When do you get the money?

How sure are you?

Linear %

Fundamentals of Home Bancorp Inc

About Home Bancorp Inc

Financial Health

Valuation

1.1. Profitability of Home Bancorp Inc.

1.1. Profitability

1.1.1. Net Profit Margin

Trends

Compared to industry (Banks - Regional)

1.1.2. Return on Assets

Trends

Compared to industry (Banks - Regional)

1.1.3. Return on Equity

Trends

Compared to industry (Banks - Regional)

1.2. Operating Efficiency of Home Bancorp Inc.

1.2. Operating Efficiency

1.2.1. Operating Margin

Trends

1.2.2. Operating Ratio

Trends

1.3. Liquidity of Home Bancorp Inc.

1.3. Liquidity

1.3.1. Current Ratio

Trends

Compared to industry (Banks - Regional)

1.3.2. Quick Ratio

Trends

1.4. Solvency of Home Bancorp Inc.

1.3. Liquidity

1.4.1. Debt to Asset Ratio

Trends

Compared to industry (Banks - Regional)

1.4.2. Debt to Equity Ratio

Trends

Compared to industry (Banks - Regional)

2. Market Valuation of Home Bancorp Inc

2.1. Earnings Per Share

2.1. Price to Earnings Ratio

Trends

Compared to industry (Banks - Regional)

Home Bancorp Inc
Buy, Hold or Sell?