HCBC (High Country Bancorp) ROE % Adjusted to Book Value: 13.73% (As of Mar. 2026)


HCBC High Country Bancorp Inc HCBC
64 GF Score
Price $41.88
GF Value $38.67
Valuation Fairly Valued
! 5 Warning Signs
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What is High Country Bancorp ROE % Adjusted to Book Value?

High Country Bancorp HCBC 64 ROE % Adjusted to Book Value is 13.73% as of Mar. 2026. 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.

High Country Bancorp's ROE % for the quarter that ended in Mar. 2026 was 11.12%. High Country Bancorp's PB Ratio for the quarter that ended in Mar. 2026 was 0.81. High Country Bancorp's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 was 13.73%.


High Country Bancorp ROE % Adjusted to Book Value Related Terms


High Country Bancorp ROE % Adjusted to Book Value Historical Data

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The historical data trend for High Country Bancorp's ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value Chart

High Country Bancorp Annual Data
Trend Jun16 Jun17 Jun18 Jun19 Jun20 Jun21 Jun22 Jun23 Jun24 Jun25
ROE % Adjusted to Book Value
Get a 7-Day Free Trial Premium Member Only Premium Member Only 10.86 9.41 11.98 10.74 12.22

High Country Bancorp Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
ROE % Adjusted to Book Value 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 15.90 12.18 9.58 16.72 13.73

HCBC vs LKSB, EXCH, ANDC: ROE % Adjusted to Book Value Comparison

For the Banks - Regional subindustry, High Country Bancorp's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value vs Banks Industry

For the Banks industry and Financial Services sector, High Country Bancorp's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where High Country Bancorp's ROE % Adjusted to Book Value falls into.


HCBC
64GF Score
High Country Bancorp Inc HCBC
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
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High Country Bancorp ROE % Adjusted to Book Value Calculation

High Country Bancorp's ROE % Adjusted to Book Value for the fiscal year that ended in Jun. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=8.80% / 0.72
=12.22%

High Country Bancorp's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=11.12% / 0.81
=13.73%

* 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.

What does a ROE % Adjusted to Book Value of 13.73% mean?
High Country Bancorp (HCBC) has a ROE % Adjusted to Book Value of 13.73% as of Mar. 2026. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on High Country Bancorp and its competitors.
Is High Country Bancorp's ROE % Adjusted to Book Value too high?
High Country Bancorp's current ROE % Adjusted to Book Value is 13.73%. 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 ROE % Adjusted to Book Value compare to LKSB and EXCH?
High Country Bancorp's ROE % Adjusted to Book Value of 13.73% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % Adjusted to Book Value for a Banks company?
A good ROE % Adjusted to Book Value depends on the Banks industry context. However, ROE % Adjusted to Book Value should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on High Country Bancorp and its competitors. High Country Bancorp's current ROE % Adjusted to Book Value is 13.73%. 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 ROE % Adjusted to Book Value is 13.73%. 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 ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For High Country Bancorp (HCBC), the current ROE % Adjusted to Book Value is 13.73% 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 $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:

  • ROE % Adjusted to Book Value: 13.73%
  • GF Value™: $38.67 vs. price of $41.88 (8.3% above fair value)
  • GF Score™: 64/100 with 5 warning signs

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 Business Description

Address 7360 West US Highway 50, P.O. Box 309, Salida, CO, USA, 81201
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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ROE % Adjusted to Book Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$41.88
Price
$38.67
GF Value