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HCBN (HCB Financial) Cyclically Adjusted PS Ratio : 2.16 (As of May. 28, 2025)


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What is HCB Financial Cyclically Adjusted PS Ratio?

As of today (2025-05-28), HCB Financial's current share price is $34.50. HCB Financial's Cyclically Adjusted Revenue per Share for the fiscal year that ended in Dec24 was $15.96. HCB Financial's Cyclically Adjusted PS Ratio for today is 2.16.

The historical rank and industry rank for HCB Financial's Cyclically Adjusted PS Ratio or its related term are showing as below:

HCBN' s Cyclically Adjusted PS Ratio Range Over the Past 10 Years
Min: 1.6   Med: 1.84   Max: 2.32
Current: 2.16

During the past 12 years, HCB Financial's highest Cyclically Adjusted PS Ratio was 2.32. The lowest was 1.60. And the median was 1.84.

HCBN's Cyclically Adjusted PS Ratio is ranked better than
63.93% of 1242 companies
in the Banks industry
Industry Median: 2.725 vs HCBN: 2.16

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted revenue per share of a company over the past 10 years.

HCB Financial's adjusted revenue per share data of for the fiscal year that ended in Dec24 was $21.109. Add all the adjusted revenue per share for the past 10 years together and divide 10 will get our Cyclically Adjusted Revenue per Share, which is $15.96 for the trailing ten years ended in Dec24.

Shiller PE for Stocks: The True Measure of Stock Valuation


HCB Financial Cyclically Adjusted PS Ratio Historical Data

The historical data trend for HCB Financial's Cyclically Adjusted PS Ratio 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.

* Premium members only.

HCB Financial Cyclically Adjusted PS Ratio Chart

HCB Financial Annual Data
Trend Dec05 Dec06 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Cyclically Adjusted PS Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only - - 1.72 1.69 1.97

HCB Financial Quarterly Data
Dec17 Dec18 Dec19 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24
Cyclically Adjusted PS Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 1.69 - - - 1.97

Competitive Comparison of HCB Financial's Cyclically Adjusted PS Ratio

For the Banks - Regional subindustry, HCB Financial's Cyclically Adjusted PS Ratio, along with its competitors' market caps and Cyclically Adjusted PS Ratio 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.


HCB Financial's Cyclically Adjusted PS Ratio Distribution in the Banks Industry

For the Banks industry and Financial Services sector, HCB Financial's Cyclically Adjusted PS Ratio distribution charts can be found below:

* The bar in red indicates where HCB Financial's Cyclically Adjusted PS Ratio falls into.


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HCB Financial Cyclically Adjusted PS Ratio Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted PS Ratio takes the Revenue per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/S calculation. Because it considers this 10-year average, it's often referred to as the CAPS Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio.

HCB Financial's Cyclically Adjusted PS Ratio for today is calculated as

Cyclically Adjusted PS Ratio=Share Price/ Cyclically Adjusted Revenue per Share
=34.50/15.96
=2.16

* 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.

HCB Financial's Cyclically Adjusted Revenue per Share for the fiscal year that ended in Dec24 is calculated as:

For example, HCB Financial's adjusted Revenue per Share data for the fiscal year that ended in Dec24 was:

Adj_RevenuePerShare=Revenue per Share/CPI of Dec24 (Change)*Current CPI (Dec24)
=21.109/133.1571*133.1571
=21.109

Current CPI (Dec24) = 133.1571.

HCB Financial Annual Data

Revenue per Share CPI Adj_RevenuePerShare
200512 8.092 83.032 12.977
200612 8.097 85.142 12.663
201712 11.361 104.011 14.545
201812 12.018 105.998 15.097
201912 12.321 108.420 15.132
202012 13.746 109.897 16.655
202112 13.649 117.630 15.451
202212 15.178 125.222 16.140
202312 19.236 129.419 19.792
202412 21.109 133.157 21.109

Add all the adjusted revenue per share together and divide 10 will get our Cyclically Adjusted Revenue per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.


HCB Financial  (OTCPK:HCBN) Cyclically Adjusted PS Ratio Explanation

Compared with the regular PS Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PS Ratio smoothed out the fluctuations of revenue during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted PS Ratio should give similar results to regular PS Ratio.


HCB Financial Cyclically Adjusted PS Ratio Related Terms

Thank you for viewing the detailed overview of HCB Financial's Cyclically Adjusted PS Ratio provided by GuruFocus.com. Please click on the following links to see related term pages.


HCB Financial Business Description

Traded in Other Exchanges
N/A
Address
150 West Court Street, Hastings, MI, USA, 49058
HCB Financial Corp is a commercial bank serving businesses and consumers. It operates six full-service banking offices and one loan production office in and around Barry County. The Bank offers a variety of deposit and lending services.

HCB Financial Headlines

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