The historical rank and industry rank for High Country Bancorp's FCF Margin % or its related term are showing as below:
HCBC'
s FCF Margin % Range Over the Past 10 Years
Min: -4.64 Med: 24.34 Max: 34.5
Current: -4.3
During the past 13 years, the highest FCF Margin % of High Country Bancorp was 34.50%. The lowest was -4.64%. And the median was 24.34%.
HCBC's FCF Margin % is ranked worse than 75.73% of 1504
companies
in the Banks industry
Industry Median: 26.5
vs HCBC: -4.30
High Country Bancorp FCF Margin % Related Terms
High Country Bancorp FCF Margin % Historical Data
* Premium members only.
The historical data trend for High Country Bancorp's FCF Margin % 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.
For the Banks - Regional subindustry, High Country Bancorp's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, High Country Bancorp's FCF Margin % distribution charts can be found below:
* The bar in red indicates where High Country Bancorp's FCF Margin % 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 FCF Margin % of 0.00% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on High Country Bancorp and its competitors. According to the industry distribution chart, High Country Bancorp ranks #1139 out of 1504 companies in the Banks industry, placing it in the top 75.7%.
Is High Country Bancorp's FCF Margin % too high?
High Country Bancorp's current FCF Margin % is 0.00%. Based on the distribution chart, High Country Bancorp ranks #1139 out of 1504 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, High Country Bancorp has a GF Score™ of 64/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does High Country Bancorp's FCF Margin % compare to LKSB and EXCH?
According to the Banks industry distribution chart, High Country Bancorp ranks #1139 out of 1504 companies for FCF Margin %. This places High Country Bancorp in the lower half of its industry. The industry median FCF Margin % is 26.50. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.50, based on 1,504 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on High Country Bancorp and its competitors. For the Banks industry, the median FCF Margin % is 26.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. High Country Bancorp's current FCF Margin % is 0.00%. 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 Fairly Valued. The stock's GF Value™ is $38.67, compared to a current price of $41.88 — trading 8.3% above its estimated fair value. The current FCF Margin % is 0.00%. High Country Bancorp's overall GF Score™ is 64/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For High Country Bancorp (HCBC), the current FCF Margin % is 0.00% 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 $41.88 is trading 8.3% above its estimated GF Value™ of $38.67.
GuruFocus considers High Country Bancorp to be Fairly Valued.
Key valuation signals for HCBC:
FCF Margin %: 0.00%
GF Value™: $38.67 vs. price of $41.88 (8.3% above fair value)
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.
64GF Score
Get the complete analysis for HCBC
FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
HCBC has been successfully added to your 
