High Country BancorpHCBC 64 Return-on-Tangible-Equity is 11.12% as of Mar. 2026, which is 7% below its 10-year median of 11.99. 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 1,523 Banks companies, High Country Bancorp ranks worse than 56.34% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. High Country Bancorp's annualized net income for the quarter that ended in Mar. 2026 was $4.91 Mil. High Country Bancorp's average shareholder tangible equity for the quarter that ended in Mar. 2026 was $44.16 Mil. Therefore, High Country Bancorp's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 11.12%.
The historical rank and industry rank for High Country Bancorp's Return-on-Tangible-Equity or its related term are showing as below:
HCBC'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 8.38 Med: 11.99 Max: 15.93
Current: 10.26
During the past 13 years, High Country Bancorp's highest Return-on-Tangible-Equity was 15.93%. The lowest was 8.38%. And the median was 11.99%.
HCBC's Return-on-Tangible-Equity is ranked worse than 56.34% of 1523
companies
in the Banks industry
Industry Median: 11.2
vs HCBC: 10.26
High Country Bancorp (OTCPK:HCBC) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
High Country Bancorp Return-on-Tangible-Equity Related Terms
High Country Bancorp Return-on-Tangible-Equity Historical Data
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The historical data trend for High Country Bancorp's Return-on-Tangible-Equity 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-Equity Chart
HCBC vs PNBI, SCYT, QNTO: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, High Country Bancorp's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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-Equity vs Banks Industry
For the Banks industry and Financial Services sector, High Country Bancorp's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where High Country Bancorp's Return-on-Tangible-Equity 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-Equity, the net income of the last fiscal year and the average total shareholder tangible equity 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.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 11.12% mean?
High Country Bancorp (HCBC) has a Return-on-Tangible-Equity of 11.12% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on High Country Bancorp and its competitors. This is near median its historical median of 11.99. Over the past decade, High Country Bancorp's Return-on-Tangible-Equity has ranged from 8.38 to 15.93. According to the industry distribution chart, High Country Bancorp ranks #858 out of 1523 companies in the Banks industry, placing it in the top 56.3%.
Is High Country Bancorp's Return-on-Tangible-Equity too high?
High Country Bancorp's current Return-on-Tangible-Equity of 11.12% is near median its 10-year median of 11.99. Over the past 10 years, this metric has ranged from a low of 8.38 to a high of 15.93. The Banks industry median Return-on-Tangible-Equity is 11.20. High Country Bancorp's value of 11.12% is 0.7% below this industry median. Based on the distribution chart, High Country Bancorp ranks #858 out of 1523 companies in the Banks industry, which is below 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 Return-on-Tangible-Equity compare to PNBI and SCYT?
According to the Banks industry distribution chart, High Country Bancorp ranks #858 out of 1523 companies for Return-on-Tangible-Equity. This places High Country Bancorp in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.20. High Country Bancorp's value of 11.12% is 0.7% below this benchmark. Historically, High Country Bancorp's own Return-on-Tangible-Equity has ranged from 8.38 to 15.93 over the past decade. While the company's 10-year median is 11.99 vs. the industry median of 11.20, 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-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.20, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity 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-Equity of 11.12% is 0.7% 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-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on High Country Bancorp and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.20 — 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-Equity is 11.12%, which is near median its own 10-year median of 11.99. 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 Return-on-Tangible-Equity is 11.12%, which is near median its 10-year median of 11.99 and 0.7% below the Banks industry median of 11.20. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For High Country Bancorp (HCBC), the current Return-on-Tangible-Equity is 11.12% 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 8.5% above its estimated GF Value™ of $38.70.
GuruFocus considers High Country Bancorp to be Fairly Valued.
Key valuation signals for HCBC:
Return-on-Tangible-Equity: 11.12% (near median its 10-year median of 11.99)
GF Value™: $38.70 vs. price of $42.00 (8.5% above fair value)
Industry Position: 0.7% below the Banks median (#858 of 1523)
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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