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HCBN (HCB Financial) PEG Ratio : 1.89 (As of Mar. 04, 2025)


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What is HCB Financial PEG Ratio?

PE Ratio without NRI / 5-Year Book Value Growth Rate*

PEG Ratio is defined as the PE Ratio without NRI divided by the growth ratio. The growth rate we use for banks is the 5-Year Book Value growth rate. As of today, HCB Financial's PE Ratio without NRI is 6.43. HCB Financial's 5-Year Book Value growth rate is 3.40%. Therefore, HCB Financial's PEG Ratio for today is 1.89.

* The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.


The historical rank and industry rank for HCB Financial's PEG Ratio or its related term are showing as below:

HCBN' s PEG Ratio Range Over the Past 10 Years
Min: 1.32   Med: 1.53   Max: 2.57
Current: 1.89


During the past 11 years, HCB Financial's highest PEG Ratio was 2.57. The lowest was 1.32. And the median was 1.53.


HCBN's PEG Ratio is ranked worse than
56.2% of 1169 companies
in the Banks industry
Industry Median: 1.55 vs HCBN: 1.89

Peter Lynch thinks a company with a P/E ratio equal to its growth rate is fairly valued.


HCB Financial PEG Ratio Historical Data

The historical data trend for HCB Financial's PEG 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.

* Premium members only.

HCB Financial PEG Ratio Chart

HCB Financial Annual Data
Trend Dec04 Dec05 Dec06 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23
PEG Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.43 0.78 1.42 2.40 1.53

HCB Financial Quarterly Data
Sep07 Dec17 Dec18 Dec19 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24
PEG Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only - 1.53 - - -

Competitive Comparison of HCB Financial's PEG Ratio

For the Banks - Regional subindustry, HCB Financial's PEG Ratio, along with its competitors' market caps and PEG 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.


HCB Financial's PEG Ratio Distribution in the Banks Industry

For the Banks industry and Financial Services sector, HCB Financial's PEG Ratio distribution charts can be found below:

* The bar in red indicates where HCB Financial's PEG Ratio falls into.



HCB Financial PEG Ratio Calculation

PEG Ratio is defined as the PE Ratio without NRI divided by the growth ratio. The ratio we use is the 5-Year Book Value growth rate.

HCB Financial's PEG Ratio for today is calculated as

PEG Ratio=PE Ratio without NRI/5-Year Book Value Growth Rate*
=6.426735218509/3.40
=1.89

* 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.

* Note: The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.


HCB Financial  (OTCPK:HCBN) PEG Ratio Explanation

To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the P/E ratio divided by the growth ratio. He thinks a company with a P/E ratio equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a P/E of 20, instead of a company growing 10% a year with a P/E of 10.


HCB Financial PEG Ratio Related Terms

Thank you for viewing the detailed overview of HCB Financial's PEG Ratio provided by GuruFocus.com. Please click on the following links to see related term pages.


HCB Financial Business Description

Traded in Other Exchanges
N/A
Address
150 West Court Street, Hastings, MI, USA, 49058
HCB Financial Corp is a commercial bank serving businesses and consumers. It operates six full-service banking offices and one loan production office in and around Barry County. The Bank offers a variety of deposit and lending services.

HCB Financial Headlines

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