High Country BancorpHCBC 64 Net Margin % is 19.44% as of Mar. 2026, which is 13% below its 10-year median of 22.40. GuruFocus rates HCBC with a GF Score™ of 64/100 and a GF Value™ of $38.67 (Fairly Valued). The stock has 5 warning signs investors should review. Among 1,526 Banks companies, High Country Bancorp ranks worse than 76.47% on this metric.
The historical rank and industry rank for High Country Bancorp's Net Margin % or its related term are showing as below:
HCBC'
s Net Margin % Range Over the Past 10 Years
Min: 15.28 Med: 22.4 Max: 25.85
Current: 17.43
HCBC's Net Margin % is ranked worse than 76.47% of 1526
companies
in the Banks industry
Industry Median: 26.97
vs HCBC: 17.43
High Country Bancorp (OTCPK:HCBC) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
High Country Bancorp Net Margin % Related Terms
High Country Bancorp Net Margin % Historical Data
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The historical data trend for High Country Bancorp's Net 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 Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, High Country Bancorp's Net Margin % distribution charts can be found below:
* The bar in red indicates where High Country Bancorp's Net 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 Net Margin % of 19.44% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on High Country Bancorp and its competitors. This is 13% below median its historical median of 22.40. Over the past decade, High Country Bancorp's Net Margin % has ranged from 15.28 to 25.85. According to the industry distribution chart, High Country Bancorp ranks #1167 out of 1526 companies in the Banks industry, placing it in the top 76.5%.
Is High Country Bancorp's Net Margin % too high?
High Country Bancorp's current Net Margin % of 19.44% is 13% below median its 10-year median of 22.40. Over the past 10 years, this metric has ranged from a low of 15.28 to a high of 25.85. The Banks industry median Net Margin % is 26.97. High Country Bancorp's value of 19.44% is 27.9% below this industry median. Based on the distribution chart, High Country Bancorp ranks #1167 out of 1526 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 Net Margin % compare to LKSB and EXCH?
According to the Banks industry distribution chart, High Country Bancorp ranks #1167 out of 1526 companies for Net Margin %. This places High Country Bancorp in the lower half of its industry. The industry median Net Margin % is 26.97. High Country Bancorp's value of 19.44% is 27.9% below this benchmark. Historically, High Country Bancorp's own Net Margin % has ranged from 15.28 to 25.85 over the past decade. While the company's 10-year median is 22.40 vs. the industry median of 26.97, 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.97, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. High Country Bancorp's current Net Margin % of 19.44% is 27.9% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on High Country Bancorp and its competitors. For the Banks industry, the median Net Margin % is 26.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. High Country Bancorp's current Net Margin % is 19.44%, which is 13% below median its own 10-year median of 22.40. 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 Net Margin % is 19.44%, which is 13% below median its 10-year median of 22.40 and 27.9% below the Banks industry median of 26.97. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For High Country Bancorp (HCBC), the current Net Margin % is 19.44% 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:
Net Margin %: 19.44% (13% below median its 10-year median of 22.40)
GF Value™: $38.67 vs. price of $41.88 (8.3% above fair value)
Industry Position: 27.9% below the Banks median (#1167 of 1526)
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
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