High Country BancorpHCBC 64 PB Ratio is 0.95 as of Jul. 01, 2026, which is 13% below its 10-year median of 1.09. 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. Among 1,517 Banks companies, High Country Bancorp ranks better than 62.49% on this metric.
High Country Bancorp Inc stock PB Ratio (=0.96) is close to 3-year high of 1.01.
The historical rank and industry rank for High Country Bancorp's PB Ratio or its related term are showing as below:
HCBC'
s PB Ratio Range Over the Past 10 Years
Min: 0.7 Med: 1.09 Max: 1.7
Current: 0.95
During the past 13 years, High Country Bancorp's highest PB Ratio was 1.70. The lowest was 0.70. And the median was 1.09.
HCBC's PB Ratio is ranked better than 62.49% of 1517
companies
in the Banks industry
Industry Median: 1.09
vs HCBC: 0.95
During the past 12 months, High Country Bancorp's average Book Value Per Share Growth Rate was 7.60% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 5.20% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 3.90% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 6.40% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of High Country Bancorp was 20.30% per year. The lowest was 2.00% per year. And the median was 9.00% per year.
Back to Basics: PB Ratio
High Country Bancorp (OTCPK:HCBC) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
High Country Bancorp PB Ratio Related Terms
High Country Bancorp PB Ratio Historical Data
* Premium members only.
The historical data trend for High Country Bancorp's PB Ratio 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 PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, High Country Bancorp's PB Ratio distribution charts can be found below:
* The bar in red indicates where High Country Bancorp's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
High Country Bancorp (HCBC) has a PB Ratio of 0.95 as of Jul. 01, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on High Country Bancorp and its competitors. This is 13% below median its historical median of 1.09. Over the past decade, High Country Bancorp's PB Ratio has ranged from 0.70 to 1.70. According to the industry distribution chart, High Country Bancorp ranks #569 out of 1517 companies in the Banks industry, placing it in the top 37.5%.
Is High Country Bancorp's PB Ratio too high?
High Country Bancorp's current PB Ratio of 0.95 is 13% below median its 10-year median of 1.09. Over the past 10 years, this metric has ranged from a low of 0.70 to a high of 1.70. The Banks industry median PB Ratio is 1.09. High Country Bancorp's value of 0.95 is 12.8% below this industry median. Based on the distribution chart, High Country Bancorp ranks #569 out of 1517 companies in the Banks industry, which is above the industry midpoint. 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 PB Ratio compare to PNBI and SCYT?
According to the Banks industry distribution chart, High Country Bancorp ranks #569 out of 1517 companies for PB Ratio. This puts High Country Bancorp in the upper half of its industry. The industry median PB Ratio is 1.09. High Country Bancorp's value of 0.95 is 12.8% below this benchmark. Historically, High Country Bancorp's own PB Ratio has ranged from 0.70 to 1.70 over the past decade. While the company's 10-year median is 1.09 vs. the industry median of 1.09, 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.09, based on 1,517 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. High Country Bancorp's current PB Ratio of 0.95 is 12.8% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on High Country Bancorp and its competitors. For the Banks industry, the median PB Ratio is 1.09 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. High Country Bancorp's current PB Ratio is 0.95, which is 13% below median its own 10-year median of 1.09. 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 PB Ratio is 0.95, which is 13% below median its 10-year median of 1.09 and 12.8% below the Banks industry median of 1.09. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For High Country Bancorp (HCBC), the current PB Ratio is 0.95 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:
PB Ratio: 0.95 (13% below median its 10-year median of 1.09)
GF Value™: $38.70 vs. price of $42.00 (8.5% above fair value)
Industry Position: 12.8% below the Banks median (#569 of 1517)
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
PB Ratio 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 
