HCBC (High Country Bancorp) Margin of Safety % (DCF Dividends Based): 16.25% (As of Jul. 01, 2026)


HCBC High Country Bancorp Inc HCBC
64 GF Score
Price $42.00
GF Value $38.70
Valuation Fairly Valued
! 5 Warning Signs
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What is High Country Bancorp Margin of Safety % (DCF Dividends Based)?

High Country Bancorp HCBC 64 Margin of Safety % (DCF Dividends Based) is 16.25% as of Jul. 01, 2026. GuruFocus rates HCBC with a GF Score™ of 64/100 and a GF Value™ of $38.70 (Fairly Valued). The stock has 5 warning signs investors should review.

Margin of Safety % (DCF Dividends Based) = (Intrinsic Value: DCF (Dividends Based) - Current Price) / Intrinsic Value: DCF (Dividends Based).

Note: Discounted Dividend model is only suitable for companies who have a consistant distribution history with more than 5 years. If the company's dividends does not remain steady over a long period, results may not be accurate due to the low consistency. The model is also only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, the data will not be stored into our database.

As of today (2026-07-01), High Country Bancorp's Predictability Rank is 2-Stars. High Country Bancorp's intrinsic value calculated from the Discounted Dividend model is $50.55 and current share price is $42.00. Consequently,

High Country Bancorp's Margin of Safety % (DCF Dividends Based) using Discounted Dividend model is 16.25%.

HCBC vs PNBI, SCYT, QNTO: Margin of Safety % (DCF Dividends Based) Comparison

For the Banks - Regional subindustry, High Country Bancorp's Margin of Safety % (DCF Dividends Based), along with its competitors' market caps and Margin of Safety % (DCF Dividends Based) 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 Margin of Safety % (DCF Dividends Based) vs Banks Industry

For the Banks industry and Financial Services sector, High Country Bancorp's Margin of Safety % (DCF Dividends Based) distribution charts can be found below:

* The bar in red indicates where High Country Bancorp's Margin of Safety % (DCF Dividends Based) falls into.


HCBC
64GF Score
High Country Bancorp Inc HCBC
Margin of Safety % (DCF Dividends Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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High Country Bancorp Margin of Safety % (DCF Dividends Based) Calculation

High Country Bancorp's Margin of Safety % (DCF Dividends Based) for today is calculated as

Margin of Safety % (DCF Dividends Based)=(Intrinsic Value: DCF (Dividends Based)-Current Price)/Intrinsic Value: DCF (Dividends Based)
=(50.15-42.00)/50.15
=16.25 %

* 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.

The intrinsic value is calculated from the Discounted Dividend model with default parameters.

What does a Margin of Safety % (DCF Dividends Based) of 16.25% mean?
High Country Bancorp (HCBC) has a Margin of Safety % (DCF Dividends Based) of 16.25% as of Jul. 01, 2026. Margin of Safety % (DCF Dividends Based) is the percent difference between the current price and the intrinsic DCF Dividends price. View historical data on High Country Bancorp.
Is High Country Bancorp's Margin of Safety % (DCF Dividends Based) too high?
High Country Bancorp's current Margin of Safety % (DCF Dividends Based) is 16.25%. 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 Margin of Safety % (DCF Dividends Based) compare to PNBI and SCYT?
High Country Bancorp's Margin of Safety % (DCF Dividends Based) of 16.25% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Margin of Safety % (DCF Dividends Based) for a Banks company?
A good Margin of Safety % (DCF Dividends Based) depends on the Banks industry context. However, Margin of Safety % (DCF Dividends Based) 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 Margin of Safety % (DCF Dividends Based) mean?
A high Margin of Safety % (DCF Dividends Based) can signal that a stock is expensive relative to its fundamentals. Margin of Safety % (DCF Dividends Based) is the percent difference between the current price and the intrinsic DCF Dividends price. View historical data on High Country Bancorp. High Country Bancorp's current Margin of Safety % (DCF Dividends Based) is 16.25%. 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 $38.70, compared to a current price of $42.00 — trading 8.5% above its estimated fair value. The current Margin of Safety % (DCF Dividends Based) is 16.25%. 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 Margin of Safety % (DCF Dividends Based) calculated?
Margin of Safety % (DCF Dividends Based) is calculated from a company's financial statements. For High Country Bancorp (HCBC), the current Margin of Safety % (DCF Dividends Based) is 16.25% as of Jul. 01, 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 $42.00 is trading 8.5% above its estimated GF Value™ of $38.70. GuruFocus considers High Country Bancorp to be Fairly Valued.

Key valuation signals for HCBC:

  • Margin of Safety % (DCF Dividends Based): 16.25%
  • GF Value™: $38.70 vs. price of $42.00 (8.5% above fair value)
  • GF Score™: 64/100 with 5 warning signs

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 Business Description

Address 7360 West US Highway 50, P.O. Box 309, Salida, CO, USA, 81201
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

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Margin of Safety % (DCF Dividends Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$42.00
Price
$38.70
GF Value