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HCBC

High Country Bancorp, Inc.

Financial Services · $45M market cap

Verdict

Share price

$46.50

close of Oct 2, 2026

Fair value

$52.05

Sticker Price

Payback Price

$20.82

buy price

Undervalued

HCBC is Undervalued: at $46.50 it trades 11% below its fair value of $52.05. Its buy price (Payback Price) is $20.82, 55% below today's price. Business quality is limited: only 1 of 5 key numbers clears the 10% bar.

How we valued it

Justified P/B (Financials). A bank or insurer. These are best valued on their book value and how much they earn on it.

Business quality

1 of 5 clear the 10% bar. What are the Big Five?

Earnings per share growth6.0% a year✗
Equity per share growth4.2% a year✗
Sales growth7.6% a year✗
Free cash flow growth5.7% a year✗
Return on invested capital12.4%✓

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About High Country Bancorp, Inc.

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…

Banks - Regional

Fair value and Payback Price are estimates from the company's reported financials, not investment advice. Prices as of the close of Oct 2, 2026. How the Payback Price works