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HCB Financial (HCBN) Stock Overview

Operates as the bank holding company for Highpoint Community Bank that provides various banking products and services in the United States. More details

HCBN fundamental analysis
Snowflake Score
Valuation	3/6
Future Growth	0/6
Past Performance	2/6
Financial Health	6/6
Dividends	3/6

Rewards

Trading at 36.4% below our estimate of its fair value

Earnings have grown 21.7% per year over the past 5 years

Risk Analysis

Unstable dividend track record

Does not have a meaningful market cap ($73M)

HCBN Community Fair Values

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HCB Financial Corp. Competitors

Price History & Performance

Summary of share price highs, lows and changes for HCB Financial
Historical stock prices
Current Share Price	US$73.11
52 Week High	US$73.39
52 Week Low	US$34.60
Beta	0.038
1 Month Change	2.91%
3 Month Change	6.96%
1 Year Change	108.89%
3 Year Change	261.04%
5 Year Change	170.28%
Change since IPO	469.54%

Recent updates

Shareholder Returns

	HCBN	US Banks	US Market
7D	0%	-0.7%	-1.0%
1Y	108.9%	17.9%	14.1%

Return vs Industry: HCBN exceeded the US Banks industry which returned 19.3% over the past year.

Return vs Market: HCBN exceeded the US Market which returned 20.3% over the past year.

Price Volatility

Is HCBN's price volatile compared to industry and market?
HCBN volatility
HCBN Average Weekly Movement	2.6%
Banks Industry Average Movement	3.1%
Market Average Movement	6.9%
10% most volatile stocks in US Market	15.3%
10% least volatile stocks in US Market	2.9%

Stable Share Price: HCBN has not had significant price volatility in the past 3 months compared to the US market.

Volatility Over Time: Insufficient data to determine HCBN's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1886	n/a	Mark Kolanowski	www.highpointcommunitybank.com

HCB Financial Corp. operates as the bank holding company for Highpoint Community Bank that provides various banking products and services in the United States. The company offers personal and premier checking accounts; savings accounts; mortgage loans; and personal loans, including automobile, recreational vehicle, unsecured, credit builder, and student loans, as well as personal line of credit. It also provides business checking and savings accounts; business loan services, such as real estate lending, lines of credit, and term loans; small business administration loans; other services comprising sweep, courier banking, merchant and business credit card, night depositor, and wire services, as well as health savings accounts and business mentoring; and digital services.

HCB Financial Corp. Fundamentals Summary

How do HCB Financial's earnings and revenue compare to its market cap?
HCBN fundamental statistics
Market cap	US$73.11m
Earnings (TTM)	US$5.89m
Revenue (TTM)	US$22.31m

12.4x

P/E Ratio

1.5x

P/B Ratio

Is HCBN overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
HCBN income statement (TTM)
Revenue	US$22.31m
Cost of Revenue	US$0
Gross Profit	US$22.31m
Other Expenses	US$16.43m
Earnings	US$5.89m

Last Reported Earnings

Mar 31, 2026

Next Earnings Date

n/a

Earnings per share (EPS)	5.89
Gross Margin	100.00%
Net Profit Margin	26.38%
Debt/Equity Ratio	14.7%

How did HCBN perform over the long term?

See historical performance and comparison

Dividends

1.9%

Current Dividend Yield

24%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2026/07/01 18:01
End of Day Share Price	2026/06/23 00:00
Earnings	2026/03/31
Annual Earnings	2025/12/31

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the 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 Github.

Analyst Sources

HCB Financial Corp. 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.

HCB Financial Corp.OTCPK:HCBN Stock Report