High Country Bancorp Inc (HCBC) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of High Country Bancorp Inc $40.42, price $45.10, upside -10.4%, quality 43 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
60‑month range $15.82 – $47.00 · fair‑value band $36.21 – $65.89 · the $45.10 price screens above the $40.42 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 2026.
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High Country Bancorp, Inc., a bank holding company, provides various banking products and services. The company accepts noninterest-bearing and interest-bearing checking accounts, savings, money market, and individual retirement accounts; time deposits; and certificates of deposits.
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High Country Bancorp, Inc., a bank holding company, provides various banking products and services. The company accepts noninterest-bearing and interest-bearing checking accounts, savings, money market, and individual retirement accounts; time deposits; and certificates of deposits. It provides personal loans; commercial real estate loans, equipment loans, and commercial lines of credit; home equity loans; and mortgage loans. In addition, the company offers credit and debit cards; and mobile banking, online, and merchant card services, as well as invests in notes receivables and real estate properties. The company was founded in 1886 and is based in Salida, Colorado.
Stock analysis
High Country Bancorp Inc (HCBC) currently trades at $45.10, while our model-based Fair Value estimate is $40.42, implying the stock looks roughly 11.6% overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $46.59 per share, and 2 of the 6 models we run sit above the $45.10 price.
Bear case: the Asset-Based group reads lowest at $28.15, and 4 of the 6 models stay below the price. Evidence for this calculation is medium.
Scenario range: $36.21 (bear) to $65.89 (bull), the price of $45.10 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 43/100 (below-average quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
High Country Bancorp Inc reported revenue of $23.4M in FY2025 versus $21.3M in FY2021, a compound +2.4%/yr. Reported net income was $3.6M in FY2025, compounding −7.4%/yr from FY2021.
Key figures
Market cap $45.3M · P/E ratio 10.1 · P/S ratio 1.54 · EPS (TTM) $4.47 · Dividend yield 4.4% · Net margin 15.3% · Return on equity 10.4% · Return on assets (EBIT) 1.7%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 32 out of 100 (low confidence).
What moves the price
The share trades about 4% below its 52-week high and 53% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −38% fair-value upside, at −10%, HCBC screens cheaper than that median.
Fair Value models
Bear $36.21Fair Value $40.42Bull $65.89
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 12 months old). Earnings retained since then ($2.47 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.29/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+13.7%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+4.2%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+4.9%
Start year 2020 (pandemic). Over 10 years: +10.9% a year
Revenue growth 25 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+3.4%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+0.3%
Earnings growth per share plus dividend.
Earnings per share, growth per year−4.1%
Dividend (yield on the price)4.4%
Profit margin 2014 to 2019 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.27% → 34%
Compare High Country Bancorp Inc with another stock
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 1074 stocks
Beats the industry median on 6/12 measures
A mixed picture versus its industry peers.
Valuation
Quality Score43 · Bottom 25%
Fair Value upside−10% · Above median
Profitability
Return on equity (TTM)10% · Above median
Return on assets1% · Below median
Net margin (TTM)15% · Bottom 25%
Operating margin (TTM)0% · Bottom 25%
Growth and dividend
Revenue growth7% · Below median
Dividend yield (TTM)4.4% · Top 25%
Balance sheet
Debt / equity1.05× · Highest 25%
Valuation Multiplesvs Banks - Regional median · lower = cheaper
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Cite: Fair Value Calculator (2026). "High Country Bancorp Inc Fair Value". https://www.fairvalue-calculator.com/stock/HCBC
Frequently asked questions
Is High Country Bancorp Inc (HCBC) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of $40.42 versus a price of $45.10, about −10% upside (overvalued).
What is the fair value of HCBC?
Our model-based fair value for High Country Bancorp Inc is $40.42 (as of Sep 24, 2026), built from audited fundamentals. The current price: $45.10.
What is the quality score of HCBC?
High Country Bancorp Inc has a Quality Score of 43/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for High Country Bancorp Inc (HCBC)?
Our model-based price target is the fair value of $40.42 (as of Sep 24, 2026) from 6 valuation models. Cautious scenario $36.21, optimistic scenario $65.89. It is a calculation from audited fundamentals, not an analyst target.
What is the High Country Bancorp Inc stock forecast for 2026?
Our models put fair value at $40.42, about −10% upside versus a price of $45.10 (overvalued). Cautious scenario $36.21, optimistic scenario $65.89. The calculation is refreshed regularly with new filings.
What is the revenue of High Country Bancorp Inc (HCBC)?
High Country Bancorp Inc reported trailing-twelve-month revenue of about $24.4M (latest available figure, as of Sep 24, 2026).
Does High Country Bancorp Inc pay a dividend?
High Country Bancorp Inc currently shows a dividend yield of about 4.43% relative to its recent price (as of Sep 24, 2026).
What is the intrinsic value of High Country Bancorp Inc (HCBC)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For High Country Bancorp Inc it is $40.42 per share (as of Sep 24, 2026), against a price of $45.10. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is High Country Bancorp Inc stock overvalued or undervalued in 2026?
As of Sep 24, 2026, HCBC trades above its calculated fair value: price $45.10, fair value $40.42, a gap of about −10% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of HCBC?
No. The price is what the market pays today ($45.10); the fair value is what the company's own numbers justify ($40.42). For High Country Bancorp Inc the two are $4.68 per share apart. That gap is exactly why we show both numbers side by side.
How much is High Country Bancorp Inc worth?
The market values High Country Bancorp Inc at about $45.3M (market capitalisation, as of Sep 24, 2026). Per share that is $45.10; our models calculate a fair value of $40.42 per share.
What do the bullish and bearish scenarios say about HCBC?
Our models span a range for High Country Bancorp Inc: cautious scenario $36.21, base $40.42, optimistic $65.89 per share (as of Sep 24, 2026, price $45.10). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of HCBC?
High Country Bancorp Inc trades at a price-to-earnings ratio of 10.1 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $40.42 is built from several models across several years. Other multiples: P/B 1.1, P/S 1.9.
How solid is the balance sheet of High Country Bancorp Inc (HCBC)?
Balance-sheet figures for High Country Bancorp Inc (as of Sep 24, 2026): return on equity 10.4%, debt of 1.05 per unit of equity. They feed the Quality Score of 43/100, which measures business quality independently of the share price.
How far is HCBC from its 52-week high?
High Country Bancorp Inc trades at $45.10, about 4% below its 52-week high of $47.00 and 53% above the low of $29.49 (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of $40.42 is for.
Which stocks are comparable to High Country Bancorp Inc?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, Intesa Sanpaolo S.p.A, HDFC Bank Limited, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is High Country Bancorp Inc stock attractive at the current price?
The data as of Sep 24, 2026: price $45.10, calculated fair value $40.42 (−10%), Quality Score 43/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of HCBC calculated?
We run High Country Bancorp Inc through 6 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $40.42, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.1 % above its aggregate fair value. High Country Bancorp Inc itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of High Country Bancorp Inc (HCBC)?
The closing price on Sep 23, 2026 was $45.10. Our model-based fair value is $40.42, about −10% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with High Country Bancorp Inc right now?
A fairly wide model range ($36.21 to $65.89) leaves room in how you read the outcome. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of High Country Bancorp Inc
How large is the market capitalisation of High Country Bancorp Inc (HCBC)?
The market capitalisation of High Country Bancorp Inc is $45.3M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of High Country Bancorp Inc (HCBC)?
The price-to-sales ratio of High Country Bancorp Inc is 1.54 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of High Country Bancorp Inc (HCBC)?
Earnings per share at High Country Bancorp Inc are $4.47 (price ÷ EPS = P/E 10.1). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of High Country Bancorp Inc (HCBC)?
The dividend yield of High Country Bancorp Inc is 4.4% (payout 44.7%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of High Country Bancorp Inc (HCBC)?
The net margin of High Country Bancorp Inc is 15.3% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of High Country Bancorp Inc (HCBC)?
The return on equity (ROE) of High Country Bancorp Inc is 10.4% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of High Country Bancorp Inc (HCBC)?
On an EBIT basis the return on assets of High Country Bancorp Inc is 1.7% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
How fast is revenue growing at High Country Bancorp Inc (HCBC)?
Revenue at High Country Bancorp Inc is growing +6.7% versus a year earlier (3y avg +4.2%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at High Country Bancorp Inc (HCBC)?
Earnings per share at High Country Bancorp Inc are growing +6.1% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does High Country Bancorp Inc (HCBC) generate?
The free cash flow of High Country Bancorp Inc is −$1.1M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does High Country Bancorp Inc (HCBC) carry?
The net debt of High Country Bancorp Inc is $34.0M (fiscal year 2025). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Sep 24, 2026