High Country Bancorp Inc is a full-service financial institution delivering banking and investment solutions for both consumers and businesses. Its primary deposit products are non interest-bearing and interest-bearing checking accounts, savings accounts and time deposit accounts, and its primary lending products are real estate mortgage loans, construction, consumer, and commercial loans.

Financial Strength

3/10

Name	Current	Vs Industry	Vs History
Cash-To-Debt	0.29
Equity-to-Asset	0.08
Debt-to-Equity	0.98
Debt-to-EBITDA	N/A	N/A	N/A
Interest Coverage	N/A	N/A	N/A
Piotroski F-Score	4/9	0 1 2 3 4 5 6 7 8 9
Beneish M-Score	-2.55	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

1/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	-0.7
	3-Year EPS without NRI Growth Rate	-12.2
	3-Year FCF Growth Rate	-3.1
	3-Year Book Growth Rate	2.1

Momentum Rank

2/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	95.1
	9-Day RSI	84.63
	14-Day RSI	75.83
	6-1 Month Momentum %	1.64
	12-1 Month Momentum %	-6.06

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Dividend Yield %	5.97
	Dividend Payout Ratio	0.7
	Forward Dividend Yield %	5.97
	5-Year Yield-on-Cost %	6.75
	3-Year Average Share Buyback Ratio	0.4
	Shareholder Yield %	-69.26

Profitability Rank

5/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	13.75
	FCF Margin %	23.97
	ROE %	7.4
	ROA %	0.62
	Years of Profitability over Past 10-Year	10

GF Value Rank

9/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	11.8
	PE Ratio without NRI	11.8
	Shiller PE Ratio	7.68
	PEG Ratio	2.31
	PS Ratio	1.63
	PB Ratio	0.83
	Price-to-Tangible-Book	0.83
	Price-to-Free-Cash-Flow	6.79
	Price-to-Operating-Cash-Flow	6.32
	EV-to-Revenue	2.97
	EV-to-FCF	12.21
	Price-to-Projected-FCF	0.43
	Price-to-DCF (Earnings Based)	0.87
	Price-to-DCF (FCF Based)	0.45
	Price-to-Graham-Number	0.66
	FCF Yield %	14.84
	Forward Rate of Return (Yacktman) %	19.7

GF Value: $37.68

HCBC

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