Stock fact sheet · data as of
High Country Bancorp, Inc. (HCBC): fair value, margin of safety and Wheel Score
Financial Services · Banks - Regional · United States · High Yield Income
Is HCBC undervalued?
High Country Bancorp, Inc. (HCBC) closed at 45.18 on 16 Oct 2026, close to the GLS average fair value of 45.75 (1.3% below fair value). 4 of the 7 models that produced a number sit above the price, 3 below - the market and our models roughly agree. With little margin of safety either way, the case for or against the stock rests on the quality numbers and the option premium rather than on price.
The 7 models disagree widely: Lynch gives 3.09 while DCF gives 73.05. A spread that wide means the average is sensitive to which methods you trust; the model table below shows where each one lands, and the Quote page lets you switch any of them off.
The nightly engine files HCBC under High Yield Income: a dividend yield above 4%.
Nine valuation models for HCBC
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 73.05 | +62% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 71.64 | +59% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 46.42 | +3% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 3.09 | -93% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 42.67 | -6% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | - | - | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10%; no value tonight |
| Payback Time | - | - | Eight years of compounded free cash flow: the price at which the business pays for itself; no value tonight |
| DDM | 29.43 | -35% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 53.99 | +20% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -478.62 | -1159% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Financial health is average - HCBC passes 5 of the nine Piotroski tests, which falls one point short of the Sunday Scan's "6 or more" rule. The Financials tab on the Quote page shows which tests fail. The GLS Moat score is low at 4.8 out of 10, which says the ten-year record of revenue, earnings, margins and returns on capital has been inconsistent - growth and shocks rather than steady compounding.
Returns on capital are moderate - ROIC 6.3%, ROE 10.4%, ROA 0.9% - with debt at 0.65 times equity and negative free cash flow.
The dividend yield is high at 4.43% (payout ratio 0%). A yield this size is often the market's way of pricing a risk to the payout, so the health score and cash flow matter more than usual.
Institutional ownership scores 5/10, insider activity 5/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 5 / 9 | ROIC | 6.3% |
|---|---|---|---|
| GLS Moat | 4.8 / 10 | ROE | 10.4% |
| Debt / equity | 0.65 | ROA | 0.9% |
| Free-cash-flow yield | 0.0% | Payout ratio | 0% |
| Institutions | 5 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 37: No options
HCBC has no listed options in the nightly snapshot, so there is nothing to sell and the stock cannot be wheeled however good the business; the Wheel Score is capped at 39 and shown as "No options" (37 here). The valuation and quality numbers still apply to owning the shares outright.
Volume runs at 0k shares a day on a market cap of $45M, with a beta of 0.30 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score gives that 6 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 13 / 25 | 1% margin of safety | |
| Health | 11 / 20 | Piotroski 5/9 | |
| Moat | 7 / 15 | moat 4.8/10 | |
| Premium | 0 / 20 | no option data | |
| Stability | 6 / 20 | 0k shares/day, $45M cap, beta 0.30 |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls; it is updated nightly and is not a recommendation. The walkthrough lesson shows how the score fits into a trade, start to finish.
Upcoming events
No upcoming earnings date is recorded for HCBC in the nightly calendar.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to High Country Bancorp, Inc. by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| HCKG Hocking Valley Bancshares, Inc. | 36.00 | 65.70 | +45% | 39No options | $45M |
| BHDB Bank of Labor Bancshares, Inc. | 129.50 | 759.18 | +83% | 39No options | $44M |
| LUMB Lumbee Guaranty Bank | 13.80 | 14.01 | +1% | 34No options | $44M |
| MBBC Marathon Bancorp, Inc. | 14.70 | 16.09 | +9% | 39No options | $44M |
| SCYT Security Bancorp, Inc. | 122.00 | 409.26 | +70% | 39No options | $46M |
| ALBY Community Capital Bancshares, Inc. | 33.70 | 84.41 | +60% | 39No options | $44M |
| UNBK United National Bank | 54.50 | 75.37 | +28% | 39No options | $44M |
| KFFB Kentucky First Federal Bancorp | 5.41 | 5.15 | -5% | 39No options | $44M |
| MDVT Middlebury National Corporation | 49.70 | 117.87 | +58% | 39No options | $43M |
| HFBA HFB Financial Corporation | 36.90 | 54.21 | +32% | 39No options | $42M |
| CYSM Community Bancorp of Santa Maria | 19.10 | 29.28 | +35% | 39No options | $42M |
| HVLM Huron Valley Bancorp, Inc. | 56.05 | 66.11 | +15% | 36No options | $49M |
⚖ Compare HCBC with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about HCBC
Is HCBC undervalued right now?
Not meaningfully: at 45.18 the stock trades within a few percent of the GLS average fair value of 45.75 (1.3% below fair value, data as of 16 Oct 2026).
What is the Wheel Score of HCBC and what does it mean?
HCBC has no listed options in our nightly snapshot, so it cannot be wheeled; its Wheel Score is capped at 39 and shown as "No options".
What is the GLS fair value for HCBC?
45.75 per share as of 16 Oct 2026 - the simple average of the 7 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does High Country Bancorp, Inc. report earnings next?
No upcoming earnings date is recorded for HCBC in our calendar as of 16 Oct 2026; the Calendars page is refreshed every morning.
Does HCBC have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on HCBC, so the wheel strategy cannot be run on it and the Wheel Score is capped at 39.