High Country Bancorp Past Earnings Performance

Past criteria checks 1/6

High Country Bancorp's earnings have been declining at an average annual rate of -4.6%, while the Banks industry saw earnings growing at 7% annually. Revenues have been growing at an average rate of 3.5% per year. High Country Bancorp's return on equity is 7.1%, and it has net margins of 14.5%.

Key information

-4.6%

Earnings growth rate

-6.8%

EPS growth rate

Banks Industry Growth	11.2%
Revenue growth rate	3.5%
Return on equity	7.1%
Net Margin	14.5%
Last Earnings Update	30 Sep 2024

Recent past performance updates

No updates

Recent updates

No updates

Revenue & Expenses Breakdown

How High Country Bancorp makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

OTCPK:HCBC Revenue, expenses and earnings (USD Millions)
Date	Revenue	Earnings	G+A Expenses
30 Sep 24	20	3	14
30 Jun 24	20	3	14
31 Mar 24	20	4	14
31 Dec 23	20	4	13
30 Sep 23	21	4	13
30 Jun 23	21	5	13
31 Mar 23	21	5	13
31 Dec 22	21	4	14
30 Sep 22	20	4	14
30 Jun 22	21	4	14
31 Mar 22	22	4	14
31 Dec 21	22	5	14
30 Sep 21	22	5	14
30 Jun 21	21	5	13
31 Mar 21	21	5	12
31 Dec 20	19	5	11
30 Sep 20	18	5	11
30 Jun 20	18	4	10
31 Mar 20	17	4	10
31 Dec 19	17	4	10
30 Sep 19	16	4	10
30 Jun 19	16	4	9
31 Mar 19	15	4	9
31 Dec 18	14	4	9
30 Sep 18	14	3	9
30 Jun 18	14	2	9
31 Mar 18	13	3	8
31 Dec 17	13	2	8
30 Sep 17	13	3	8
30 Jun 17	13	3	8
31 Mar 17	12	3	7
31 Dec 16	12	3	7
30 Sep 16	11	3	7
30 Jun 16	11	3	7
31 Mar 16	11	3	7
31 Dec 15	11	2	7
30 Sep 15	11	2	6
30 Jun 15	10	2	6
31 Mar 15	10	2	6
31 Dec 14	10	2	6
30 Sep 14	10	2	6
30 Jun 14	10	2	6
31 Mar 14	10	2	6

Quality Earnings: HCBC has high quality earnings.

Growing Profit Margin: HCBC's current net profit margins (14.5%) are lower than last year (21.3%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: HCBC's earnings have declined by 4.6% per year over the past 5 years.

Accelerating Growth: HCBC's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: HCBC had negative earnings growth (-34.2%) over the past year, making it difficult to compare to the Banks industry average (-11.7%).

Return on Equity

High ROE: HCBC's Return on Equity (7.1%) is considered low.

Return on Assets

Return on Capital Employed

Discover strong past performing companies

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/01/06 18:35
End of Day Share Price	2025/01/06 00:00
Earnings	2024/09/30
Annual Earnings	2024/06/30

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

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Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

High Country Bancorp, Inc. is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution