High Country Bancorp (HCBC) Stock Price, News & Analysis

Company Overview

High Country Bancorp, Inc. (OTCMKTS: HCBC) is the bank holding company for High Country Bank, a community‐focused financial institution headquartered in West Jefferson, North Carolina. As a locally owned and operated bank, it specializes in delivering personalized banking solutions to individuals, families and small businesses across the High Country region.

The company’s subsidiary, High Country Bank, offers a comprehensive range of deposit products, including checking accounts, savings accounts, certificates of deposit and money market accounts. On the lending side, it provides consumer loans, residential real estate mortgages, home equity lines of credit, commercial and agricultural financing, as well as SBA-guaranteed loans. These products are supported by online and mobile banking platforms, remote deposit capture and treasury management services.

High Country Bank maintains multiple branch locations throughout Ashe, Avery and Watauga counties in North Carolina. By keeping decision-making close to the communities it serves, the bank emphasizes responsive customer service, local credit decisions and involvement in regional economic development initiatives.

Since its founding by local residents, High Country Bancorp has upheld a commitment to community banking principles. Its governance structure comprises an experienced board of directors and an executive management team with deep roots in the region, all dedicated to supporting the financial needs and growth of the mountain communities it serves.

Key Stats

• Today's Range: $31.31 to $31.50
• 50-Day Range: $29.99 to $31.75
• 52-Week Range: $28.76 to $35.00
• Volume: 6,000 shs
• Average Volume: 798 shs
• Market Capitalization: $31.31 million
• P/E Ratio: 8.84
• Dividend Yield: 6.39%
• Price Target: N/A
• Consensus Rating: N/A

HCBC Stock Analysis - Frequently Asked Questions

How have HCBC shares performed this year?

High Country Bancorp's stock was trading at $30.75 at the beginning of 2025. Since then, HCBC stock has increased by 1.8% and is now trading at $31.31.

How were High Country Bancorp's earnings last quarter?

High Country Bancorp Inc. (OTCMKTS:HCBC) posted its quarterly earnings results on Monday, September, 15th. The company reported $0.91 EPS for the quarter. The company earned $6.24 million during the quarter.

How do I buy shares of High Country Bancorp?

Shares of HCBC stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

Company Calendar

• Last Earnings: 9/15/2025
• Today: 10/09/2025
• Fiscal Year End: 6/30/2026

Industry, Sector and Symbol

• Stock Exchange: OTCMKTS
• Sector: Finance
• Industry: FIN - SVGS & LOAN
• Sub-Industry: Banking
• Current Symbol: OTCMKTS:HCBC
• CIK: 1044676
• Web: www.highcountrybank.net
• Phone: (719) 539-2516
• Fax: 719-539-6216
• Employees: 82
• Year Founded: N/A

Profitability

• EPS (Trailing Twelve Months): $3.54
• Trailing P/E Ratio: 8.84
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $3.58 million
• Net Margins: 11.66%
• Pretax Margin: N/A
• Return on Equity: N/A
• Return on Assets: N/A

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: N/A
• Quick Ratio: N/A

Sales & Book Value

• Annual Sales: $30.73 million
• Price / Sales: 1.02
• Cash Flow: N/A
• Price / Cash Flow: N/A
• Book Value: N/A
• Price / Book: N/A

Miscellaneous

• Outstanding Shares: 1,000,000
• Free Float: 758,000
• Market Cap: $31.31 million
• Optionable: Not Optionable
• Beta: 0.32