HCBN Stock Overview

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

HCBN fundamental analysis
Snowflake Score
Valuation	4/6
Future Growth	0/6
Past Performance	5/6
Financial Health	6/6
Dividends	5/6

Rewards

Trading at 33.2% below our estimate of its fair value

Earnings grew by 24.6% over the past year

Pays a high and reliable dividend of 4.6%

Risk Analysis

Shares are highly illiquid

Does not have a meaningful market cap ($32M)

My Notes

Capture your thoughts, links and company narrative

HCB Financial Corp. Competitors

PB Bankshares

NasdaqCM:PBBK

US$36.2m

Infinity Bancorp

OTCPK:INFT

US$30.4m

Coeur d'Alene Bancorp

OTCPK:CDAB

US$31.6m

Community Capital Bancshares

OTCPK:ALBY

US$27.0m

Price History & Performance

Summary of share price highs, lows and changes for HCB Financial
Historical stock prices
Current Share Price	US$31.49
52 Week High	US$32.00
52 Week Low	US$23.40
Beta	0.68
1 Month Change	4.97%
3 Month Change	12.46%
1 Year Change	25.96%
3 Year Change	12.46%
5 Year Change	6.21%
Change since IPO	145.31%

Recent News & Updates

No updates

Recent updates

No updates

Shareholder Returns

	HCBN	US Banks	US Market
7D	3.9%	0.8%	0.6%
1Y	26.0%	29.4%	23.7%

Return vs Industry: HCBN underperformed the US Banks industry which returned 29.4% over the past year.

Return vs Market: HCBN exceeded the US Market which returned 23.7% over the past year.

Price Volatility

Is HCBN's price volatile compared to industry and market?
HCBN volatility
HCBN Average Weekly Movement	n/a
Banks Industry Average Movement	5.2%
Market Average Movement	6.3%
10% most volatile stocks in US Market	17.5%
10% least volatile stocks in US Market	3.1%

Stable Share Price: HCBN's share price has been volatile over 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/

HCB Financial Corp. operates as the bank holding company for Highpoint Community Bank that provides various banking products and services in Michigan. The company offers various personal banking services, including checking and savings accounts; mortgage, home equity, and personal loans. It also provides business banking services, including 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 that consists of sweep and courier banking services, merchant credit card services, night depository and wire services, 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$32.12m
Earnings (TTM)	US$5.64m
Revenue (TTM)	US$20.73m

5.7x

P/E Ratio

0.9x

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$20.73m
Cost of Revenue	US$0
Gross Profit	US$20.73m
Other Expenses	US$15.09m
Earnings	US$5.64m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	5.53
Gross Margin	100.00%
Net Profit Margin	27.22%
Debt/Equity Ratio	37.6%

How did HCBN perform over the long term?

See historical performance and comparison

Dividends

4.6%

Current Dividend Yield

19%

Payout Ratio

Does HCBN pay a reliable dividends?

See HCBN dividend history and benchmarks

When do you need to buy HCBN by to receive an upcoming dividend?
HCB Financial dividend dates
Ex Dividend Date	Jan 02 2025
Dividend Pay Date	Jan 29 2025
Days until Ex dividend	2 days
Days until Dividend pay date	29 days

Does HCBN pay a reliable dividends?

See HCBN dividend history and benchmarks

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/30 12:15
End of Day Share Price	2024/12/27 00:00
Earnings	2024/09/30
Annual Earnings	2023/12/31

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 here.

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 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

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.

Analyst	Institution