High Country BancorpHCBC 64 OCF Yield % is 0.39 as of Jun. 25, 2026, which is 88% below its 10-year median of 3.18. 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 1,501 Banks companies, High Country Bancorp ranks worse than 75.28% on this metric.
OCF Yield % is calculated as Cash Flow from Operations divided by Market Capitalization. It is a financial solvency ratio that compares the operating cash flow a company is expected to earn against its market value.
Similar to Earnings Yield %, OCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high operating cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
High Country Bancorp OCF Yield % Related Terms
High Country Bancorp OCF Yield % Historical Data
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The historical data trend for High Country Bancorp's OCF Yield % 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 OCF Yield %, along with its competitors' market caps and OCF Yield % 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 OCF Yield % vs Banks Industry
For the Banks industry and Financial Services sector, High Country Bancorp's OCF Yield % distribution charts can be found below:
* The bar in red indicates where High Country Bancorp's OCF Yield % 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 OCF Yield % of 0.39 as of Jun. 25, 2026. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on High Country Bancorp and its competitors. This is 88% below median its historical median of 3.18. Over the past decade, High Country Bancorp's OCF Yield % has ranged from 0.39 to 5.47. According to the industry distribution chart, High Country Bancorp ranks #1130 out of 1501 companies in the Banks industry, placing it in the top 75.3%.
Is High Country Bancorp's OCF Yield % too high?
High Country Bancorp's current OCF Yield % of 0.39 is 88% below median its 10-year median of 3.18. Over the past 10 years, this metric has ranged from a low of 0.39 to a high of 5.47. The Banks industry median OCF Yield % is 9.25. High Country Bancorp's value of 0.39 is 95.8% below this industry median. Based on the distribution chart, High Country Bancorp ranks #1130 out of 1501 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 OCF Yield % compare to LKSB and EXCH?
According to the Banks industry distribution chart, High Country Bancorp ranks #1130 out of 1501 companies for OCF Yield %. This places High Country Bancorp in the lower half of its industry. The industry median OCF Yield % is 9.25. High Country Bancorp's value of 0.39 is 95.8% below this benchmark. Historically, High Country Bancorp's own OCF Yield % has ranged from 0.39 to 5.47 over the past decade. While the company's 10-year median is 3.18 vs. the industry median of 9.25, 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 OCF Yield % for a Banks company?
The median OCF Yield % among Banks companies is 9.25, based on 1,501 companies in the industry. Companies in the top quartile (top 25%) have a OCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, OCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. High Country Bancorp's current OCF Yield % of 0.39 is 95.8% 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 OCF Yield % mean?
A high OCF Yield % can signal that a stock is expensive relative to its fundamentals. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on High Country Bancorp and its competitors. For the Banks industry, the median OCF Yield % is 9.25 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. High Country Bancorp's current OCF Yield % is 0.39, which is 88% below median its own 10-year median of 3.18. 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 OCF Yield % is 0.39, which is 88% below median its 10-year median of 3.18 and 95.8% below the Banks industry median of 9.25. 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 OCF Yield % calculated?
OCF Yield % is calculated from a company's financial statements. For High Country Bancorp (HCBC), the current OCF Yield % is 0.39 as of Jun. 25, 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:
OCF Yield %: 0.39 (88% below median its 10-year median of 3.18)
GF Value™: $38.67 vs. price of $41.88 (8.3% above fair value)
Industry Position: 95.8% below the Banks median (#1130 of 1501)
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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