HCBC (High Country Bancorp) Margin of Safety % (DCF FCF Based): N/A (As of Jun. 25, 2026)


HCBC High Country Bancorp Inc HCBC
64 GF Score
Price $41.88
GF Value $38.67
Valuation Fairly Valued
! 5 Warning Signs
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What is High Country Bancorp Margin of Safety % (DCF FCF Based)?

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

Note: Discounted FCF model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.

As of today (2026-06-25), High Country Bancorp's Predictability Rank is 2-Stars. High Country Bancorp's intrinsic value calculated from the Discounted FCF model is $50.55 and current share price is $41.87947. Consequently,

High Country Bancorp's Margin of Safety % (DCF FCF Based) using Discounted FCF model is N/A.

HCBC vs LKSB, EXCH, ANDC: Margin of Safety % (DCF FCF Based) Comparison

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

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

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


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

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

Margin of Safety % (DCF FCF Based)=(Intrinsic Value: DCF (FCF Based)-Current Price)/Intrinsic Value: DCF (FCF Based)
=(-12.37-41.87947)/-12.37
=N/A

* 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 FCF model with default parameters. The calculation method is the same as Discounted Earnings model except free cash flow are used in the calculation instead of earnings per share.

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:

  • Margin of Safety % (DCF FCF Based): N/A
  • GF Value™: $38.67 vs. price of $41.88 (8.3% 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

Get the complete analysis for HCBC

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

$41.88
Price
$38.67
GF Value