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High Country Bancorp, Inc. (HCBC)

USD42.00 +0.00 (+0.00%)
US OTC Financial Services Banks - Regional
Address 7360 West Highway 50 81201
Salida, CO, US
CEO Nicole Stotler
IPO 1997-12-11
CIK 1044676 ISIN US42965Q1076

Explore sections of this company profile

Description

High Country Bancorp, Inc. functions as a bank holding company, delivering a comprehensive array of financial products and services. Its deposit offerings encompass checking, savings, money market, and individual retirement accounts, alongside time deposits and certificates of deposit. The institution also extends diverse lending solutions, ranging from personal and mortgage loans to various commercial financing options such as real estate, equipment, and lines of credit. Moreover, it provides credit and debit cards, in addition to digital conveniences like mobile banking, online services, and merchant card processing. The company strategically invests in both notes receivable and real estate properties. Established in 1886, High Country Bancorp, Inc. maintains its headquarters and primary office in Salida, Colorado, complemented by branch locations in Buena Vista, Canon City, and Longmont, Colorado.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
USD42.00 +0.00 (+0.00%)
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Volume Profile
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Liquidity & share structure
Average Volume
630
Beta
0.30
Float Shares
1.01M
Free Float %
101.2%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+1.28% +1.28% +2.62% +5.17% +9.75% +8.25% +31.67% +27.46% -12.12% +9.72% +173.55%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
42.00
DCF (Unlevered) 79.99 +90.5%
DCF (Levered) 77.22 +83.9%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Quality scores
Altman Z-Score
-0.61
Distress
Piotroski F-Score
5 / 9
Average
Composite Rating
B+
Overall Score
3 / 5
Medium
DCF Score
5 / 5
High
ROE Score
3 / 5
Medium
ROA Score
3 / 5
Medium
D/E Score
2 / 5
Medium
P/E Score
3 / 5
Medium
P/Book Score
3 / 5
Medium
Operational MOAT
  • Revenue growth
    +18.1% Q1'26: +5.9% (vs Q1'25)
  • EPS growth
    +11.4% Q1'26: +6.1% (vs Q1'25)
  • FCF margin
    Q1'26: +0.0% (vs Q1'25)
  • EBIT margin
    Q1'26: +20.0% (vs Q1'25)
  • ROIC
    Q1'26: +27.1% (vs Q1'25)
  • Share dilution
    -1.3% Q1'26: -0.8% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: 5.92× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.29) × ERP
WACC = 48% × Ke + 52% × Kd (16.0%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 78.45 Current price: 42.00
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-27 B+ 3/5 5/5 3/5 3/5 2/5 3/5 3/5
2026-05-22 B+ 3/5 5/5 3/5 3/5 2/5 3/5 3/5
2026-05-20 B+ 3/5 5/5 3/5 3/5 2/5 3/5 3/5
2026-05-19 B+ 3/5 5/5 3/5 3/5 2/5 3/5 3/5
2026-05-18 B+ 3/5 5/5 3/5 3/5 2/5 3/5 3/5
2026-05-15 B+ 3/5 4/5 3/5 3/5 2/5 3/5 4/5
2026-05-14 B+ 3/5 4/5 3/5 3/5 2/5 3/5 4/5
2026-05-13 B+ 3/5 4/5 3/5 3/5 2/5 3/5 4/5
2026-05-08 A- 4/5 4/5 3/5 3/5 2/5 4/5 4/5
2026-05-05 A- 4/5 4/5 3/5 3/5 2/5 4/5 4/5
2026-04-30 B+ 3/5 4/5 3/5 3/5 1/5 4/5 4/5
2026-04-29 A- 4/5 5/5 3/5 3/5 1/5 4/5 4/5
2026-04-28 A- 4/5 5/5 3/5 3/5 1/5 4/5 4/5
2026-04-27 A- 4/5 5/5 3/5 4/5 1/5 4/5 4/5
2026-04-24 A- 4/5 5/5 3/5 4/5 1/5 4/5 3/5
2026-04-23 A- 4/5 5/5 3/5 4/5 1/5 4/5 4/5
2026-04-22 A- 4/5 5/5 3/5 4/5 1/5 4/5 4/5
2026-04-20 A 4/5 5/5 3/5 4/5 2/5 4/5 4/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
1.47M
OE per share TTM
1.44
Owner's Yield
3.93%
Maintenance CapEx ratio
31.88%
Maint CapEx / Avg PPE
30.3%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
2
Beneficial owners (>5%)
# Reporting person Amount owned % of class Sole voting Shared voting Sole dispositive Shared dispositive Type Citizenship Filing date SEC filing
1 SCOTT G. ERCHUL 46.4K 4.97% IN UNITED STATES OF AMERICA 2002-10-30
2 PATRICIA S. ERCHUL 593.00 11.00% IN UNITED STATES OF AMERICA 2002-10-30

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock

This company is not held by any ETF in our universe.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions From To
Date Person Role Transaction A/D Security Shares Price Value Owned after D/I Filing
2004-04-27 SMITH LORIN D Director / Officer M-Exempt A Common Stock 1,000 13.13 13.1K 11,000
2004-02-11 SMITH LORIN D Director / Officer S-Sale D Common Stock 8,049 30.00 241.5K 10,000

Executive team

Top executives
EBIT / Employee
131.7K
Shares Outstanding
997.5K

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)
Filing date Form type Filing
2003-10-10 DEF 14A
2002-10-02 DEF 14A
2001-10-04 DEF 14A
2000-09-26 DEF 14A
1999-09-23 DEF 14A
1998-11-17 DEF 14A

Recent SEC filings

Recent SEC filings
Filing date Form type Filing
2020-02-24 D
2010-02-16 SC 13G
2009-02-10 SC 13G/A
2008-03-24 SC 13G/A
2007-02-09 SC 13G/A
2006-02-14 SC 13G/A
2005-02-11 SC 13G/A
2004-04-29 4
2004-02-17 SC 13G/A
2004-02-17 SC 13G/A

Executive team

NameTitleCompensationGender
Chelsea J. Ringo-Sack Vice President of Finance & Chief Accounting Officer female
Dennis Weber Chief Financial Officer male
Gail A. Granzella Executive Vice President female
Linda C. Rush HR Department Manager female
Nicole Stotler Chief Executive Officer, President & Director female
Richard A. Young Director, Treasurer & Secretary male
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.

Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits