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High Country Bancorp, Inc. HCBC

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Price alert · HCBC

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45.05 USD 0.00 0.00%

At close · Oct 30

45.05 Day range 45.05
30.01 52-week range 47.00
YTD
+23.46%
1 year
+34.92%
Open
45.05
Prev close
45.05
Mkt cap
44.94M
Vol
910
Avg vol
895
EPS
4.60
P/E
9.79
More statistics
Low
45.05
High
45.05

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Financial health

Altman Z-Score

0.26 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

5 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B+3 / 5 overall

  • DCF 3
  • Return on Equity 3
  • Return on Assets 2
  • Debt / Equity 3
  • P/E 4
  • P/B 3

Valuation

P/E 8.6×
FY 2016: 13.0×FY 2017: 14.3×FY 2018: 10.2×FY 2019: 7.1×FY 2020: 8.8×FY 2021: 9.8×FY 2022: 8.0×FY 2023: 8.7×FY 2024: 7.9×FY 2025: 8.6×
FY 2016 5y median 8.6× FY 2025
P/S 1.2×
FY 2016: 3.0×FY 2017: 2.6×FY 2018: 2.6×FY 2019: 1.6×FY 2020: 2.0×FY 2021: 2.0×FY 2022: 1.6×FY 2023: 1.1×FY 2024: 0.9×FY 2025: 1.2×
FY 2016 5y median 1.2× FY 2025
P/B 0.9×
FY 2016: 1.5×FY 2017: 1.6×FY 2018: 1.5×FY 2019: 0.9×FY 2020: 1.1×FY 2021: 1.1×FY 2022: 0.9×FY 2023: 0.7×FY 2024: 0.7×FY 2025: 0.9×
FY 2016 5y median 0.9× FY 2025
P/FCF 0.0×
FY 2016: 8.9×FY 2017: 11.2×FY 2018: 27.2×FY 2019: 5.4×FY 2020: 7.6×FY 2021: 6.4×FY 2022: 8.1×FY 2023: 5.6×FY 2024: -26.0×FY 2025: 0.0×
FY 2016 5y median 5.6× FY 2025
EV/EBITDA 10.7×
FY 2016: 4.6×FY 2017: 5.3×FY 2018: 5.4×FY 2019: 2.9×FY 2020: -3.0×FY 2021: -5.7×FY 2022: 7.2×FY 2023: 12.7×FY 2024: 11.4×FY 2025: 10.7×
FY 2016 5y median 10.7× FY 2025
EV/Sales 2.0×
FY 2016: 1.7×FY 2017: 1.7×FY 2018: 1.9×FY 2019: 1.0×FY 2020: -1.0×FY 2021: -1.8×FY 2022: 2.2×FY 2023: 2.4×FY 2024: 2.0×FY 2025: 2.0×
FY 2016 5y median 2.0× FY 2025
FCF Yield 0.0%
FY 2016: 11.2%FY 2017: 8.9%FY 2018: 3.7%FY 2019: 18.4%FY 2020: 13.1%FY 2021: 15.5%FY 2022: 12.4%FY 2023: 17.9%FY 2024: -3.8%FY 2025: 0.0%
FY 2016 5y median 12.4% FY 2025

Profitability

Gross Margin 76.6%
FY 2016: 96.4%FY 2017: 95.3%FY 2018: 96.6%FY 2019: 90.9%FY 2020: 96.2%FY 2021: 98.1%FY 2022: 92.5%FY 2023: 75.3%FY 2024: 74.7%FY 2025: 76.6%
FY 2016 5y median 76.6% FY 2025
Operating Margin 18.2%
FY 2016: 34.2%FY 2017: 29.0%FY 2018: 32.7%FY 2019: 30.6%FY 2020: 29.5%FY 2021: 26.4%FY 2022: 26.7%FY 2023: 16.2%FY 2024: 15.0%FY 2025: 18.2%
FY 2016 5y median 18.2% FY 2025
Net Margin 14.2%
FY 2016: 22.8%FY 2017: 16.7%FY 2018: 25.1%FY 2019: 22.8%FY 2020: 22.1%FY 2021: 20.1%FY 2022: 20.6%FY 2023: 12.5%FY 2024: 11.6%FY 2025: 14.2%
FY 2016 5y median 14.2% FY 2025
ROE 10.4%
FY 2016: 11.6%FY 2017: 10.1%FY 2018: 15.1%FY 2019: 12.4%FY 2020: 13.0%FY 2021: 11.5%FY 2022: 11.9%FY 2023: 8.3%FY 2024: 8.5%FY 2025: 10.4%
FY 2016 5y median 10.4% FY 2025
ROIC 0.9%
FY 2016: 11.6%FY 2017: 8.7%FY 2018: 13.0%FY 2019: 8.6%FY 2020: 11.3%FY 2021: 10.0%FY 2022: 29.7%FY 2023: 3.6%FY 2024: 4.0%FY 2025: 0.9%
FY 2016 5y median 4.0% FY 2025
ROA 0.9%
FY 2016: 1.2%FY 2017: 0.9%FY 2018: 1.5%FY 2019: 1.3%FY 2020: 1.2%FY 2021: 0.9%FY 2022: 1.0%FY 2023: 0.7%FY 2024: 0.7%FY 2025: 0.9%
FY 2016 5y median 0.9% FY 2025

Growth (YoY)

Revenue 5.7%
FY 2016: 11.4%FY 2017: 11.4%FY 2018: 10.8%FY 2019: 17.9%FY 2020: 15.9%FY 2021: -4.2%FY 2022: 4.9%FY 2023: 17.6%FY 2024: 18.1%FY 2025: 5.7%
FY 2016 FY 2025
Operating Income 28.5%
FY 2016: 9.4%FY 2017: -5.8%FY 2018: 25.1%FY 2019: 10.5%FY 2020: 11.5%FY 2021: -14.2%FY 2022: 6.2%FY 2023: -28.9%FY 2024: 9.7%FY 2025: 28.5%
FY 2016 FY 2025
EPS (diluted) 30.3%
FY 2016: 6.8%FY 2017: -12.4%FY 2018: 52.2%FY 2019: 2.5%FY 2020: 3.8%FY 2021: -12.2%FY 2022: 8.3%FY 2023: -28.8%FY 2024: 11.4%FY 2025: 30.3%
FY 2016 FY 2025
Free Cash Flow 100.0%
FY 2016: 67.1%FY 2017: -21.8%FY 2018: -55.5%FY 2019: 277.2%FY 2020: -0.9%FY 2021: 14.5%FY 2022: -30.6%FY 2023: 12.8%FY 2024: -121.5%FY 2025: 100.0%
FY 2016 FY 2025

Financial Health

Current Ratio 0.0×
FY 2016: 0.3×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.3×FY 2021: 0.3×FY 2022: 4308×FY 2023: 0.2×FY 2024: 0.1×FY 2025: 0.0×
FY 2016 5y median 0.2× FY 2025
Quick Ratio 0.0×
FY 2016: 0.3×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.3×FY 2021: 0.3×FY 2022: 10817×FY 2023: 0.2×FY 2024: 0.1×FY 2025: 0.0×
FY 2016 5y median 0.2× FY 2025
Debt / Equity 0.7×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.3×FY 2020: 0.0×FY 2021: 0.0×FY 2022: 0.6×FY 2023: 1.2×FY 2024: 1.1×FY 2025: 0.7×
FY 2016 5y median 0.7× FY 2025
Net Debt / EBITDA 4.0×
FY 2016: -3.4×FY 2017: -2.9×FY 2018: -1.8×FY 2019: -2.0×FY 2020: -8.8×FY 2021: -12.0×FY 2022: 1.9×FY 2023: 6.9×FY 2024: 6.2×FY 2025: 4.0×
FY 2016 5y median 4.0× FY 2025
Interest Coverage 0.8×
FY 2016: 9.4×FY 2017: 9.3×FY 2018: 11.6×FY 2019: 11.2×FY 2020: 9.4×FY 2021: 13.8×FY 2022: 4.4×FY 2023: 0.8×FY 2024: 0.7×FY 2025: 0.8×
FY 2016 5y median 0.8× FY 2025

Dividends

Dividend Yield 4.8%
FY 2016: 4.7%FY 2017: 4.8%FY 2018: 4.5%FY 2019: 4.4%FY 2020: 4.6%FY 2021: 4.7%FY 2022: 5.3%FY 2023: 6.8%FY 2024: 6.8%FY 2025: 4.8%
FY 2016 5y median 5.3% FY 2025
Payout Ratio 41.1%
FY 2016: 61.1%FY 2017: 75.8%FY 2018: 45.6%FY 2019: 31.0%FY 2020: 40.2%FY 2021: 45.7%FY 2022: 42.1%FY 2023: 59.3%FY 2024: 53.8%FY 2025: 41.1%
FY 2016 5y median 45.7% FY 2025

Annual · latest fiscal year ends 2026-06-30