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  2. •

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    Banks - Regional
High Country Bancorp, Inc.

High Country Bancorp, Inc.

HCBC
High Country Bancorp, Inc.US flagOther OTC
43.75
USD
+0.25
- -
43.64MMarket Cap
High Country Bancorp, Inc.
HCBC
(Other OTC)

Recent

price

43.75

P/E

ratio

- -

div

yld

- -

ROIC.AI

1998
1999
2000
2001
2002
2003
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
0.3
0.34
0.73
1.48
2.39
3.19
12.52
13.93
16.88
18.64
20.93
22.33
21.61
21.76
21.85
- -
25.04
Revenue per Share
0.51
0.69
0.96
1.17
1.9
2.28
3.09
3.3
2.92
4.82
4.91
5.1
4.43
4.77
3.45
- -
3.79
Basic EPS, GAAP
0.95
0.33
-1.73
1.43
2.12
2.71
2.9
4.81
4.07
1.8
6.45
5.91
6.75
4.7
5.37
- -
- -
Free Cash Flow per Basic Share
0.07
0.4
0.44
0.45
0.48
0.49
2
2.01
2.21
2.2
1.52
2.05
2.03
2.01
2.05
- -
- -
Dividend per Share
5.13
5.64
6.83
7.55
10.79
12.84
20.7
21.79
23.24
25.66
27.79
28.74
31.06
33.91
34.87
- -
36.53
Book Value per Share
14.34
14.75
14.75
15.18
18.37
20.7
27.39
28.36
28.74
31.9
39.53
39.24
38.67
40.12
41.79
- -
44.37
Tangible Book Value per Share
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
- -
1
Basic Weighted Avg Shares
- -
- -
1
2
2
3
11
13
14
16
18
21
21
21
21
23
24
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
1
1
1
1
1
1
- -
Depreciation Expense
1
1
1
1
2
2
3
3
2
4
4
5
4
5
3
4
4
Net Income, GAAP
39.62
37.67
37.15
38.9
38.05
38.81
32.3
33.38
42.19
23.17
25.45
24.85
23.74
22.88
22.58
22.45
22.42
Effective Tax Rate (%)
173.03
200.29
130.86
79.04
79.63
71.34
24.68
23.65
17.28
25.85
23.47
22.85
20.51
21.94
15.8
15.28
15.14
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
18
23
36
44
43
39
- -
- -
- -
- -
10
- -
- -
23
45
44
44
LT Debt
18
18
16
17
16
18
24
26
24
27
35
37
37
38
39
42
42
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
12.52
14.61
16.24
18.89
19.04
18.72
15.58
12.46
19.76
18.82
18.76
14.85
14.68
9.97
10.61
10.55
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Dec'25
Mar'25
Jun'25
ST Debt
- -
- -
- -
LT Borrowings
40
34
44
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
1
1
1
Market Capitalization
29
28
28

Working Capital

FRC

•

in mil. unless spec.
Dec'25
Mar'25
Jun'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
66
70
34
Accounts Receivable, Net
2
2
2
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
9.73%
3.8%
6.45%
Free Cash Flow
15.31%
-25.12%
-121.46%
Net Income, GAAP
9.28%
-2.35%
9.9%
Sales/Revenue/Turnover
38.89%
5.15%
13.67%
Total Cash Common Dividend
- -
8.81%
-0.26%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
5
5
5
5
21
2025
6
6
6
6
23
2026
6
6
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1.19
0.97
0.89
0.4
3.45
2025
0.81
0.77
1.24
0.97
- -
2026
1.59
1.29
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
2.05
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
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Business
High Country Bancorp, Inc. functions as a bank holding entity, delivering a broad spectrum of banking products and services. The institution offers diverse deposit options, including checking, savings, money market, and individual retirement accounts, alongside time deposits and certificates of deposit. It provides a range of lending solutions, encompassing personal loans, commercial real estate and equipment loans, commercial lines of credit, home equity loans, and mortgage financing. Furthermore, the company facilitates financial transactions with credit and debit cards, and supports modern banking with mobile and online services, remote deposit capture, and merchant card processing capabilities. The holding company also strategically invests in notes receivables and real estate assets. Operating from its base in Salida, Colorado, the company serves its regional clientele through a network of five branches located in Salida, Buena Vista, Canon City, and Longmont, Colorado. High Country Bancorp, Inc. traces its origins to 1886 in Salida, Colorado, having recently reported consolidated net income of $913,000 for the fourth fiscal quarter ending June 30, 2025, with total assets reaching $513.9 million.