High Country BancorpHCBC 63 Return-on-Tangible-Asset is 0.93% as of Mar. 2026, which is 18% below its 10-year median of 1.13. GuruFocus rates HCBC with a GF Score™ of 63/100 and a GF Value™ of $38.73 (Fairly Valued). The stock has 5 warning signs investors should review. Among 1,530 Banks companies, High Country Bancorp ranks worse than 59.67% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. High Country Bancorp's annualizedNet Income for the quarter that ended in Mar. 2026 was $4.91 Mil. High Country Bancorp's average total tangible assets for the quarter that ended in Mar. 2026 was $529.06 Mil. Therefore, High Country Bancorp's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2026 was 0.93%.
The historical rank and industry rank for High Country Bancorp's Return-on-Tangible-Asset or its related term are showing as below:
HCBC'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.71 Med: 1.13 Max: 1.5
Current: 0.85
During the past 13 years, High Country Bancorp's highest Return-on-Tangible-Asset was 1.50%. The lowest was 0.71%. And the median was 1.13%.
HCBC's Return-on-Tangible-Asset is ranked worse than 59.67% of 1530
companies
in the Banks industry
Industry Median: 0.99
vs HCBC: 0.85
High Country Bancorp (OTCPK:HCBC) Return-on-Tangible-Asset Explanation
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
High Country Bancorp Return-on-Tangible-Asset Related Terms
High Country Bancorp Return-on-Tangible-Asset Historical Data
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The historical data trend for High Country Bancorp's Return-on-Tangible-Asset 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.
High Country Bancorp Return-on-Tangible-Asset Chart
HCBC vs PNBI, SCYT, QNTO: Return-on-Tangible-Asset Comparison
For the Banks - Regional subindustry, High Country Bancorp's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, High Country Bancorp's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where High Country Bancorp's Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
What does a Return-on-Tangible-Asset of 0.93% mean?
High Country Bancorp (HCBC) has a Return-on-Tangible-Asset of 0.93% as of Mar. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on High Country Bancorp and its competitors. This is 18% below median its historical median of 1.13. Over the past decade, High Country Bancorp's Return-on-Tangible-Asset has ranged from 0.71 to 1.50. According to the industry distribution chart, High Country Bancorp ranks #913 out of 1530 companies in the Banks industry, placing it in the top 59.7%.
Is High Country Bancorp's Return-on-Tangible-Asset too high?
High Country Bancorp's current Return-on-Tangible-Asset of 0.93% is 18% below median its 10-year median of 1.13. Over the past 10 years, this metric has ranged from a low of 0.71 to a high of 1.50. The Banks industry median Return-on-Tangible-Asset is 0.99. High Country Bancorp's value of 0.93% is 6.1% below this industry median. Based on the distribution chart, High Country Bancorp ranks #913 out of 1530 companies in the Banks industry, which is below the industry midpoint. Overall, High Country Bancorp has a GF Score™ of 63/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does High Country Bancorp's Return-on-Tangible-Asset compare to PNBI and SCYT?
According to the Banks industry distribution chart, High Country Bancorp ranks #913 out of 1530 companies for Return-on-Tangible-Asset. This places High Country Bancorp in the lower half of its industry. The industry median Return-on-Tangible-Asset is 0.99. High Country Bancorp's value of 0.93% is 6.1% below this benchmark. Historically, High Country Bancorp's own Return-on-Tangible-Asset has ranged from 0.71 to 1.50 over the past decade. While the company's 10-year median is 1.13 vs. the industry median of 0.99, 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 Return-on-Tangible-Asset for a Banks company?
The median Return-on-Tangible-Asset among Banks companies is 0.99, based on 1,530 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. High Country Bancorp's current Return-on-Tangible-Asset of 0.93% is 6.1% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on High Country Bancorp and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 0.99 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. High Country Bancorp's current Return-on-Tangible-Asset is 0.93%, which is 18% below median its own 10-year median of 1.13. 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 $38.73, compared to a current price of $42.00 — trading 8.4% above its estimated fair value. The current Return-on-Tangible-Asset is 0.93%, which is 18% below median its 10-year median of 1.13 and 6.1% below the Banks industry median of 0.99. High Country Bancorp's overall GF Score™ is 63/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For High Country Bancorp (HCBC), the current Return-on-Tangible-Asset is 0.93% 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 $42.00 is trading 8.4% above its estimated GF Value™ of $38.73.
GuruFocus considers High Country Bancorp to be Fairly Valued.
Key valuation signals for HCBC:
Return-on-Tangible-Asset: 0.93% (18% below median its 10-year median of 1.13)
GF Value™: $38.73 vs. price of $42.00 (8.4% above fair value)
Industry Position: 6.1% below the Banks median (#913 of 1530)
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.
63GF Score
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