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High Country BancorpHCBC 61 Cash-to-Debt is 0.22 as of Mar. 2026, which is 100% below its 10-year median of 64.81. GuruFocus rates HCBC with a GF Score™ of 61/100 and a GF Value™ of $39.06 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,491 Banks companies, High Country Bancorp ranks worse than 88.26% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. High Country Bancorp's cash to debt ratio for the quarter that ended in Mar. 2026 was 0.22.
If Cash to Debt ratio is less than 1, the company cannot pay off its debt using the cash in hand. Here we can see, High Country Bancorpcouldn't pay off its debt using the cash in hand for the quarter that ended in Mar. 2026.
The historical rank and industry rank for High Country Bancorp's Cash-to-Debt or its related term are showing as below:
HCBC'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.2 Med: 64.81 Max: No Debt
Current: 0.22
During the past 13 years, High Country Bancorp's highest Cash to Debt Ratio was No Debt. The lowest was 0.20. And the median was 64.81.
HCBC's Cash-to-Debt is ranked worse than 88.26% of 1491
companies
in the Banks industry
Industry Median: 1.38
vs HCBC: 0.22
High Country Bancorp (OTCPK:HCBC) Cash-to-Debt Explanation
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
High Country Bancorp Cash-to-Debt Related Terms
High Country Bancorp Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for High Country Bancorp's Cash-to-Debt can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Banks - Regional subindustry, High Country Bancorp's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
High Country Bancorp Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, High Country Bancorp's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where High Country Bancorp's Cash-to-Debt falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
High Country Bancorp (HCBC) has a Cash-to-Debt of 0.22 as of Mar. 2026. This is 100% below median its historical median of 64.81. Over the past decade, High Country Bancorp's Cash-to-Debt has ranged from 0.20 to 10,000.00. According to the industry distribution chart, High Country Bancorp ranks #1316 out of 1491 companies in the Banks industry, placing it in the top 88.3%.
Is High Country Bancorp's Cash-to-Debt too high?
High Country Bancorp's current Cash-to-Debt of 0.22 is 100% below median its 10-year median of 64.81. Over the past 10 years, this metric has ranged from a low of 0.20 to a high of 10,000.00. The Banks industry median Cash-to-Debt is 1.38. High Country Bancorp's value of 0.22 is 84.1% below this industry median. Based on the distribution chart, High Country Bancorp ranks #1316 out of 1491 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, High Country Bancorp has a GF Score™ of 61/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does High Country Bancorp's Cash-to-Debt compare to SCYT and ESBS?
According to the Banks industry distribution chart, High Country Bancorp ranks #1316 out of 1491 companies for Cash-to-Debt. This places High Country Bancorp in the lower half of its industry. The industry median Cash-to-Debt is 1.38. High Country Bancorp's value of 0.22 is 84.1% below this benchmark. Historically, High Country Bancorp's own Cash-to-Debt has ranged from 0.20 to 10,000.00 over the past decade. While the company's 10-year median is 64.81 vs. the industry median of 1.38, High Country Bancorp has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash-to-Debt for a Banks company?
The median Cash-to-Debt among Banks companies is 1.38, based on 1,491 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. High Country Bancorp's current Cash-to-Debt of 0.22 is 84.1% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median Cash-to-Debt is 1.38 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. High Country Bancorp's current Cash-to-Debt is 0.22, which is 100% below median its own 10-year median of 64.81. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is High Country Bancorp stock overvalued right now?
Based on GuruFocus' analysis, High Country Bancorp (HCBC) is currently considered Modestly Overvalued. The stock's GF Value™ is $39.06, compared to a current price of $46.00 — trading 17.8% above its estimated fair value. The current Cash-to-Debt is 0.22, which is 100% below median its 10-year median of 64.81 and 84.1% below the Banks industry median of 1.38. High Country Bancorp's overall GF Score™ is 61/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For High Country Bancorp (HCBC), the current Cash-to-Debt is 0.22 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is High Country Bancorp (HCBC) Overvalued in 2026?
Based on GuruFocus' analysis, High Country Bancorp stock appears to be overvalued.
The current stock price of $46.00 is trading 17.8% above its estimated GF Value™ of $39.06.
GuruFocus considers High Country Bancorp to be Modestly Overvalued.
Key valuation signals for HCBC:
Cash-to-Debt: 0.22 (100% below median its 10-year median of 64.81)
GF Value™: $39.06 vs. price of $46.00 (17.8% above fair value)
Industry Position: 84.1% below the Banks median (#1316 of 1491)
No single metric tells the full story. See the HCBC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
High Country Bancorp Inc is a bank holding company. Through its subsidiaries, it provides a variety of financial services mainly in Salida, Buena Vista, Canon City, and Longmont, Colorado. The group's primary deposit products include non-interest-bearing and interest-bearing checking accounts, savings accounts, and time deposit accounts. Its primary lending products are real estate mortgages, construction loans, consumer loans, and commercial loans. Additionally, it also offers online banking services. The group serves both individuals and business clients.
61GF Score
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