HCBC (High Country Bancorp) Scaled Net Operating Assets: 0.03 (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 Scaled Net Operating Assets?

High Country Bancorp HCBC 64 Scaled Net Operating Assets is 0.03 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.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

High Country Bancorp's operating assets for the quarter that ended in Mar. 2026 was $460.47 Mil. High Country Bancorp's operating liabilities for the quarter that ended in Mar. 2026 was $442.36 Mil. High Country Bancorp's Total Assets for the quarter that ended in Dec. 2025 was $533.61 Mil. Therefore, High Country Bancorp's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.03.

HCBC
64GF Score
High Country Bancorp Inc HCBC
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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High Country Bancorp Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

High Country Bancorp's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Jun. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Jun. 2025 )
=(Operating Assets (A: Jun. 2025 )-Operating Liabilities (A: Jun. 2025 ))/Total Assets (A: Jun. 2024 )
=(503.785-427.889)/480.432
=0.16

where

Operating Assets(A: Jun. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=513.904 - 10.119
=503.785

Operating Liabilities(A: Jun. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=471.989 - 44.1 - 0
=427.889

High Country Bancorp's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(460.47-442.358)/533.606
=0.03

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=524.523 - 64.053
=460.47

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=480.358 - 38 - 0
=442.358

* 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 Scaled Net Operating Assets of 0.03 mean?
High Country Bancorp (HCBC) has a Scaled Net Operating Assets of 0.03 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on High Country Bancorp and its competitors.
Is High Country Bancorp's Scaled Net Operating Assets too high?
High Country Bancorp's current Scaled Net Operating Assets is 0.03. 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 Scaled Net Operating Assets compare to LKSB and EXCH?
High Country Bancorp's Scaled Net Operating Assets of 0.03 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 Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on High Country Bancorp and its competitors. High Country Bancorp's current Scaled Net Operating Assets is 0.03. 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 Scaled Net Operating Assets is 0.03. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For High Country Bancorp (HCBC), the current Scaled Net Operating Assets is 0.03 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:

  • Scaled Net Operating Assets: 0.03
  • 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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$41.88
Price
$38.67
GF Value