HCB Financial
Market Cap
US$32.1m
Last Updated
2019/08/19 23:37 UTC
Data Sources
Company Financials
Executive Summary
HCB Financial Corp. operates as a bank holding company for Hastings City Bank that provides various banking products and services in Michigan, the United States.
Snowflake
Fundamentals
Flawless balance sheet second-rate dividend payer.
Risks
- HCB Financial is not covered by any analysts.
Share Price & News
How has HCB Financial's share price performed over time and what events caused price changes?
Latest Share Price and Events
Market Performance
7 Day Return
0.3%
OTCPK:HCBN
0.3%
US Banks
0.9%
US Market
1 Year Return
4.0%
OTCPK:HCBN
-13.6%
US Banks
0.3%
US Market
HCBN outperformed the Banks industry which returned -14.2% over the past year.
HCBN outperformed the Market in United States of America which returned -0.5% over the past year.
Share holder returns
| HCBN | Industry | Market | |
|---|---|---|---|
| 7 Day | 0.3% | 0.3% | 0.9% |
| 30 Day | -0.2% | -5.1% | -1.9% |
| 90 Day | 0.6% | -3.5% | 1.6% |
| 1 Year | 6.6%4.0% | -11.2%-13.6% | 2.6%0.3% |
| 3 Year | 51.4%39.8% | 43.6%33.7% | 41.0%31.8% |
| 5 Year | 84.1%60.7% | 53.7%37.0% | 55.2%38.0% |
Price Volatility Vs. Market
How volatile is HCB Financial's share price compared to the market and industry in the last 5 years?
Simply Wall St News
No news available
Valuation
Is HCB Financial undervalued based on future cash flows and its price relative to the stock market?
15.15x
Price to Earnings (PE) ratio
Intrinsic Value Based on Future Cash Flows
HCB Financial's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).
HCB Financial's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).
Price Based on Earnings
HCB Financial is overvalued based on earnings compared to the US Banks industry average.
HCB Financial is good value based on earnings compared to the United States of America market.
Price Based on Expected Growth
Unable to calculate PEG ratio for HCB Financial, we can't assess if its growth is good value.
Price Based on Value of Assets
HCB Financial is good value based on assets compared to the US Banks industry average.
Next Steps
Future Growth
How is HCB Financial expected to perform in the next 1 to 3 years based on estimates from 0 analysts?
10.5%
Forecasted annual earnings growth
Earnings and Revenue Growth Estimates
Future Annual Growth Analysis
Unable to determine if HCB Financial is high growth as no revenue estimate data is available.
HCB Financial's earnings are expected to grow by 10.5% yearly, however this is not considered high growth (20% yearly).
Unable to compare HCB Financial's revenue growth to the United States of America market average as no estimate data is available.
HCB Financial's earnings growth is positive but not above the United States of America market average.
HCB Financial's earnings growth is expected to exceed the low risk savings rate of 2.7%.
Earnings per Share Growth Estimates
Future Return on Equity
Unable to establish if HCB Financial will efficiently use shareholders’ funds in the future without estimates of Return on Equity.
Next Steps
Past Performance
How has HCB Financial performed over the past 5 years?
9.6%
Historical annual earnings growth
Earnings and Revenue History
Past Earnings Growth Analysis
HCB Financial's year on year earnings growth rate has been positive over the past 5 years.
HCB Financial's 1-year earnings growth is negative, it can't be compared to the 5-year average.
HCB Financial's 1-year earnings growth is negative, it can't be compared to the US Banks industry average.
Return on Equity
HCB Financial has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
Return on Assets
HCB Financial used its assets less efficiently than the US Banks industry average last year based on Return on Assets.
Return on Capital Employed
Unable to establish if HCB Financial improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.
Next Steps
Financial Health
How is HCB Financial's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Information is not available.
Information is not available.
Financial Institutions Analysis
HCB Financial has an acceptable proportion of non-loan assets held.
HCB Financial has a sufficient allowance for bad loans.
HCB Financial's liabilities are made up of primarily low risk sources of funding.
HCB Financial's level of assets compared to its equity is moderate (i.e. an appropriate level of borrowing to fund lending).
Loans at HCB Financial are broadly funded by customer deposits.
HCB Financial has an acceptable level of bad loans (less than 2%).
Next Steps
Dividend
What is HCB Financial's current dividend yield, its reliability and sustainability?
2.56%
Current Dividend Yield
Dividend Yield and Payments Analysis
HCB Financial's pays a higher dividend yield than the bottom 25% of dividend payers in United States of America (1.49%).
HCB Financial's dividend is below the markets top 25% of dividend payers in United States of America (3.84%).
Dividends per share have been volatile in the past 10 years (annual drop of over 20%).
Dividends per share have increased over the past 10 years.
Current Payout to Shareholders
Dividends paid are well covered by earnings (3.2x coverage).
Future Payout to Shareholders
Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.
Next Steps
Management
What is the CEO of HCB Financial's salary, the management and board of directors tenure and is there insider trading?
6.6yrs
Average board tenure
CEO
Mark Kolanowski 0
0.0yrs
Tenure
Mr. Mark A. Kolanowski serves as the Chief Executive Officer and President at Highpoint Community Bank. Mr. Kolanowski serves as the Chief Executive Officer, President and Director of HCB Financial Corp. H ...
Board Age and Tenure
6.6yrs
Average Tenure
The tenure for the HCB Financial board of directors is about average.
Insider Trading
No 3 month open market individual insider trading information.
Management Team
Rick Zwiernikowski
Senior VP & CFO
- Tenure: 3.7yrs
Mark Kolanowski
President
- Tenure: 0.0yrs
Randy Teegardin
Senior Vice President of Highpoint Wealth Management
- Tenure: 0.0yrs
Nancy Goodin
Vice President of Marketing
- Tenure: 0.0yrs
Julie Palmatier
Assistant VP & Human Resources Director
- Tenure: 0.0yrs
Amanda Currier
VP, Controller & Compliance Officer
- Tenure: 0.0yrs
Kimberly Finkbeiner
Vice President of Operations
- Tenure: 0.0yrs
Board Members
Neil Gardner (72yo)
Director
- Tenure: 6.6yrs
Mark Kolanowski
President
- Tenure: 0.0yrs
Joan Heffelbower
Director
- Tenure: 1.6yrs
Matthew Garber
Director
- Tenure: 0.0yrs
W. McKeown
Director
- Tenure: 0.0yrs
Archie Warner
Director
- Tenure: 0.0yrs
Barbara Hunt
Director
- Tenure: 0.0yrs
Joe Babiak
Director
- Tenure: 6.6yrs
James Fisher
Director
- Tenure: 8.1yrs
Brian Calley
Director
- Tenure: 0.6yrs
Company Information
HCB Financial Corp.'s company bio, employee growth, exchange listings and data sources
Key Information
- Name: HCB Financial Corp.
- Ticker: HCBN
- Exchange: OTCPK
- Founded: 1886
- Industry: Regional Banks
- Sector: Banks
- Market Cap: US$32.094m
- Shares outstanding: 1.03m
- Website: https://www.highpointcommunitybank.com
Location
- HCB Financial Corp.
- 150 West Court Street
- Hastings
- Michigan
- 49058
- United States
Listings
| Ticker | Exchange | Primary Security | Security Type | Country | Currency | Listed on |
|---|---|---|---|---|---|---|
| HCBN | OTCPK (Pink Sheets LLC) | Yes | Common Stock | US | USD | Sep 1995 |
Biography
HCB Financial Corp. operates as a bank holding company for Hastings City Bank that provides various banking products and services in Michigan, the United States. The company offers various personal banking ...
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2019/08/19 23:37 |
| End of Day Share Price | 2019/08/19 00:00 |
| Earnings | 2019/06/30 |
| Annual Earnings | 2018/12/31 |
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.