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High Country Bancorp, Inc. HCBC OTC

Other OTC • Financial Services • Banks - Regional • US • USD

SharesGrow Score

SharesGrow Intrinsic Value

Negative cash flow

High Country Bancorp, Inc. (HCBC) is a Banks - Regional company in the Financial Services sector, currently trading at $36.26. It has a SharesGrow Score of 57/100, indicating a above average investment profile with 2 out of 7 criteria passed.

Financials: revenue is $31M, +16.5%/yr average growth. Net income is $4M, growing at -3.8%/yr. Net profit margin is 11.6% (healthy). Gross margin is 74.7% (-23.4 pp trend).

Balance sheet: total debt is $44M against $42M equity (Debt-to-Equity (D/E) ratio 1.05, moderate). Current ratio is 0.09 (tight liquidity). Debt-to-assets is 8.6%. Total assets: $514M.

SharesGrow 7-Criteria breakdown: Value 100/100 (Pass), Growth 48/100 (Partial), Past 100/100 (Pass), Health 17/100 (Fail), Moat 35/100 (Fail), Future ?/100 (Fail), Income 55/100 (Partial).

HCBC SharesGrow Score Overview

59/100

SharesGrow Score

Above average fundamentals

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VALUE 100/100

Valuation — P/E, PEG, Forward PEG

GROWTH 48/100

Financials — average growth

PAST 100/100

strong — trend

HEALTH 17/100

Balance sheet — Debt-to-Equity (D/E) ratio, Current ratio is

MOAT 35/100

Gross margin is + market cap

FUTURE 0/100

Analyst outlook — as buy

INCOME 55/100

Net profit margin is

Scores derived from financial statements, analyst ratings, and balance sheet data.

Score Breakdown — HCBC

HCBC trades at a trailing Price-to-Earnings (P/E) of N/A (S&P 500 average ~25). Composite: Price-to-Earnings (20%) + Forward Price/Earnings-to-Growth (35%) + upside (25%) + trailing PEG (20%). ≥ 60 = Pass.

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HCBC: +16.5%/yr revenue is, -3.8%/yr Net income is average growth. mixed. Score: >20%/yr = 100, >10% = 80, >5% = 65, >0% = 45, < 0 = 15.

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HCBC: 4 / 4 years profitable. strong — 100%. Score = 4 / 4 × 100. ≥ 80 = Pass.

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Balance sheet HCBC: Debt-to-Equity (D/E) ratio 1.05 (moderate), Current ratio is 0.09 (tight liquidity). Debt-to-Equity < 0.5, Current Ratio > 1.5, Interest Coverage > 8x = ideal. ≥ 70 = Pass.

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HCBC: Gross margin is 74.7% (-23.4 pp trend), N/A market cap. Moat (0-100): margin (35%) + trend (15%) + market cap (30%) + revenue is (20%). Score 35/100. ≥ 70 = Pass.

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No analyst coverage available for this stock.

HCBC: Net profit margin is 11.6%. thin (5-15%). Score: ≥30% = 100, ≥20% = 85, ≥15% = 70, ≥10% = 55, ≥5% = 45, ≥0% = 30, < 0 = 10.

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Stock Chart & Stats

Market Data

52-Week Range28.79-40.25

Volume1.7K

Avg Volume (30D)730

Market Cap$36.49M

Beta (1Y)0.24

Dividend Yield$2.0000

Share Statistics

EPS (TTM)3.78

Shares Outstanding$944.66K

IPO Date1997-12-11

CEONicole Stotler

Financial Highlights & Ratios

Revenue (TTM)$30.73M

Gross Profit$22.96M

EBITDA$5.44M

Net Income$3.58M

Operating Income$4.61M

Total Cash$34.26M

Total Debt$44.1M

Net Debt$33.98M

Total Assets$513.9M

Price / Earnings (P/E)9.6

Price / Sales (P/S)1.19

Analyst Forecast

Company Info

CountryUS

ExchangeOther OTC

CurrencyUSD

ISINUS42965Q1076

Price Chart

HCBC

High Country Bancorp, Inc. ↗ · Other OTC

Financial Services • Banks - Regional

28.79 52WK RANGE 40.25

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