High Country BancorpHCBC 63 5-Year Yield-on-Cost % is 5.85 as of Jul. 05, 2026, which is 4% below its 10-year median of 6.11. GuruFocus rates HCBC with a GF Score™ of 63/100 and a GF Value™ of $38.72 (Fairly Valued). The stock has 5 warning signs investors should review. Among 1,256 Banks companies, High Country Bancorp ranks better than 71.42% on this metric.
High Country Bancorp's yield on cost for the quarter that ended in Mar. 2026 was 5.85.
The historical rank and industry rank for High Country Bancorp's 5-Year Yield-on-Cost % or its related term are showing as below:
HCBC'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.76 Med: 6.11 Max: 8.54
Current: 5.85
During the past 13 years, High Country Bancorp's highest Yield on Cost was 8.54. The lowest was 2.76. And the median was 6.11.
HCBC's 5-Year Yield-on-Cost % is ranked better than 71.42% of 1256
companies
in the Banks industry
Industry Median: 3.905
vs HCBC: 5.85
High Country Bancorp (OTCPK:HCBC) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
High Country Bancorp 5-Year Yield-on-Cost % Related Terms
HCBC vs PNBI, SCYT, QNTO: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, High Country Bancorp's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, High Country Bancorp's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where High Country Bancorp's 5-Year Yield-on-Cost % falls into.
High Country Bancorp 5-Year Yield-on-Cost % Calculation
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
High Country Bancorp (HCBC) has a 5-Year Yield-on-Cost % of 5.85 as of Jul. 05, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on High Country Bancorp and its competitors. This is near median its historical median of 6.11. Over the past decade, High Country Bancorp's 5-Year Yield-on-Cost % has ranged from 2.76 to 8.54. According to the industry distribution chart, High Country Bancorp ranks #359 out of 1256 companies in the Banks industry, placing it in the top 28.6%.
Is High Country Bancorp's 5-Year Yield-on-Cost % too high?
High Country Bancorp's current 5-Year Yield-on-Cost % of 5.85 is near median its 10-year median of 6.11. Over the past 10 years, this metric has ranged from a low of 2.76 to a high of 8.54. The Banks industry median 5-Year Yield-on-Cost % is 3.91. High Country Bancorp's value of 5.85 is 49.8% above this industry median. Based on the distribution chart, High Country Bancorp ranks #359 out of 1256 companies in the Banks industry, which is above 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 5-Year Yield-on-Cost % compare to PNBI and SCYT?
According to the Banks industry distribution chart, High Country Bancorp ranks #359 out of 1256 companies for 5-Year Yield-on-Cost %. This puts High Country Bancorp in the upper half of its industry. The industry median 5-Year Yield-on-Cost % is 3.91. High Country Bancorp's value of 5.85 is 49.8% above this benchmark. Historically, High Country Bancorp's own 5-Year Yield-on-Cost % has ranged from 2.76 to 8.54 over the past decade. While the company's 10-year median is 6.11 vs. the industry median of 3.91, High Country Bancorp has consistently been above 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.91, based on 1,256 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. High Country Bancorp's current 5-Year Yield-on-Cost % of 5.85 is 49.8% above 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on High Country Bancorp and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.91 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. High Country Bancorp's current 5-Year Yield-on-Cost % is 5.85, which is near median its own 10-year median of 6.11. 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 $38.72, compared to a current price of $42.00 — trading 8.5% above its estimated fair value. The current 5-Year Yield-on-Cost % is 5.85, which is near median its 10-year median of 6.11 and 49.8% above the Banks industry median of 3.91. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For High Country Bancorp (HCBC), the current 5-Year Yield-on-Cost % is 5.85 as of Jul. 05, 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 $38.72.
GuruFocus considers High Country Bancorp to be Fairly Valued.
Key valuation signals for HCBC:
5-Year Yield-on-Cost %: 5.85 (near median its 10-year median of 6.11)
GF Value™: $38.72 vs. price of $42.00 (8.5% above fair value)
Industry Position: 49.8% above the Banks median (#359 of 1256)
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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