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HCB Financial Corp.

HCB Financial Corp.

HCBN
HCB Financial Corp.US flagOther OTC
69.10
USD
-0.90
- -
69.10MMarket Cap
HCB Financial Corp.
HCBN
(Other OTC)

Recent

price

69.10

P/E

ratio

- -

div

yld

- -

ROIC.AI

2003
2004
2005
2006
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
8.84
8.12
8.1
8.1
11.36
12.02
12.32
13.75
13.64
15.18
19.24
21.1
- -
22.83
Revenue per Share
2.1
1.91
0.9
1.8
1.95
2.03
2.14
2.54
2.24
2.95
4.84
5.85
- -
6.03
Basic EPS, GAAP
3.93
3.21
- -
- -
1.96
2.65
1.85
4.65
2.44
3.69
6.69
5.8
- -
- -
Free Cash Flow per Basic Share
0.82
0.85
- -
- -
0.65
0.7
0.78
0.78
0.92
0.86
0.97
1.28
- -
- -
Dividend per Share
19.7
20.81
12.9
13.57
25.33
26.64
28
29.69
30.74
33.25
36.65
41.02
- -
45.26
Book Value per Share
22.41
23.1
22.27
23
28.06
28.74
31.26
33.55
33.6
31.76
35.91
41.28
- -
46.58
Tangible Book Value per Share
1
1
1
1
1
1
1
1
1
1
1
1
- -
1
Basic Weighted Avg Shares
10
9
9
9
12
13
13
15
14
16
20
22
23
23
Sales/Revenue/Turnover
30.65
29.09
9.85
26.66
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
- -
- -
- -
- -
- -
- -
1
1
1
1
1
1
1
- -
Depreciation Expense
2
2
1
2
2
2
2
3
2
3
5
6
6
6
Net Income, GAAP
22.58
19.17
- -
16.84
8.85
10.16
3.6
5.61
6.12
6.42
10.83
13.18
14.37
14.37
Effective Tax Rate (%)
23.73
23.52
11.16
22.17
17.19
16.91
17.34
18.48
16.44
19.46
25.14
27.73
26.43
26.43
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
21
22
25
26
30
26
24
24
24
19
14
7
7
7
LT Debt
26
26
25
26
30
31
33
36
35
33
37
42
48
48
Total Equity
- -
4.47
- -
3.96
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
9.35
5.37
13.57
9.84
7.82
7.82
8.81
7.38
9.17
13.84
15
13.94
26.66
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Jun'25
Sep'25
Dec'25
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
1
1
1
Market Capitalization
36
38
40

Working Capital

FRC

•

in mil. unless spec.
Jun'25
Sep'25
Dec'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
- -
- -
160
Accounts Receivable, Net
- -
- -
- -
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
6.78%
6.2%
12.17%
Free Cash Flow
- -
8.67%
-24.46%
Net Income, GAAP
23.25%
20.58%
2.46%
Sales/Revenue/Turnover
10.3%
10.09%
7.51%
Total Cash Common Dividend
- -
15.11%
23.43%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
4
5
5
5
20
2024
5
5
5
6
22
2025
5
6
6
6
23

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
0.84
- -
- -
- -
4.84
2024
1.37
- -
- -
- -
5.85
2025
1.26
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
0.97
2024
- -
- -
- -
- -
1.28
2025
- -
- -
- -
- -
- -
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Security Bank Corporation (SYBJF)
Business
HCB Financial Corp. (OTC Pink: HCBN) operates as the bank holding company for Highpoint Community Bank, a full-service commercial bank providing deposit, lending, and wealth management services to consumers, businesses, and local communities in West Michigan. Founded in 1886 and headquartered at 150 West Court Street in Hastings, Michigan, the bank offers personal banking products including checking and savings accounts, personal loans such as automobile, recreational vehicle, unsecured, credit builder, and student loans, personal lines of credit, mortgage loans encompassing 30-year fixed, 15-year fixed, 10-year balloon, and 7/1 ARM options, credit cards, health savings accounts, and digital banking services via mobile app and online platforms; business banking products and services comprise checking and savings accounts, real estate lending, lines of credit, term loans, Small Business Administration (SBA) loans including 504 and 7(a) programs, sweep services, courier banking, merchant and business credit card services, night depository, wire services, and business mentoring through SCORE; additional offerings include wealth management advisory services and trust services. Highpoint Community Bank maintains seven locations comprising six full-service offices in Hastings, Middleville, Caledonia, Nashville, Wayland, and Marshall, plus a loan production office in Kalamazoo, primarily serving Barry County and surrounding areas. In July 2025, HCB Financial Corp. and Highpoint Community Bank announced plans to expand into Ottawa County with a new full-service branch in Hudsonville at 4675 32nd Avenue, pending FDIC regulatory approval, with an anticipated opening in early first-quarter 2026 to offer consumer and commercial deposit accounts and loan products, reflecting a strategic growth initiative in West Michigan.

Company News

APIChat

  • gurufocus.com

    $HAREHOLDER ALERT: The M&A Class Action Firm Encourages $hareholders to Act Before the Vote--HCBN, NFBK, CLBK, and TBRG

  • globenewswire.com

    URGENT: The M&A Class Action Firm Launches Legal Inquiry for the Merger—LSTA, IBCP, HCBN, and SILA