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: $31.30 to $31.34
• 50-Day Range: $29.87 to $31.74
• 52-Week Range: $28.76 to $35.00
• Volume: 241 shs
• Average Volume: 168 shs
• Market Capitalization: $31.34 million
• P/E Ratio: 10.45
• Dividend Yield: 6.38%
• Price Target: N/A
• Consensus Rating: N/A

High Country Bancorp Stock Analysis - MarketRank™

High Country Bancorp scored higher than 25% of companies evaluated by MarketBeat. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: N/A
• Analyst Rating: N/A

Consensus Rating

There is not enough analysis data for High Country Bancorp.

Earnings and Valuation

• Score: 1.3 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of High Country Bancorp is 10.45, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 267.95.

Price to Earnings Ratio vs. Sector

The P/E ratio of High Country Bancorp is 10.45, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 236.70.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.01% of the float of High Country Bancorp has been sold short.

Short Interest Ratio / Days to Cover

High Country Bancorp has a short interest ratio ("days to cover") of 0.2, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Leadership

High Country Bancorp is a leading dividend payer. It pays a dividend yield of 6.35%, putting its dividend yield in the top 25% of dividend-paying stocks.

Dividend Growth

High Country Bancorp does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of High Country Bancorp is 66.67%. This payout ratio is at a healthy, sustainable level, below 75%.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

0.01% of the float of High Country Bancorp has been sold short.

Short Interest Ratio / Days to Cover

High Country Bancorp has a short interest ratio ("days to cover") of 0.2, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

News and Social Media

• Score: 0.0 / 5
• News Sentiment: N/A

News Coverage This Week

MarketBeat has tracked 1 news article for High Country Bancorp this week, compared to 0 articles on an average week.

Company Ownership

• Score: 1.7 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, High Country Bancorp insiders have not sold or bought any company stock.

Percentage Held by Insiders

24.58% of the stock of High Country Bancorp is held by insiders. A high percentage of insider ownership can be a sign of company health.

HCBC Stock Analysis - Frequently Asked Questions

How have HCBC shares performed this year?

High Country Bancorp's stock was trading at $30.75 on January 1st, 2025. Since then, HCBC stock has increased by 1.9% and is now trading at $31.34.

How were High Country Bancorp's earnings last quarter?

High Country Bancorp Inc. (OTCMKTS:HCBC) posted its earnings results on Monday, September, 15th. The company reported $0.91 earnings per share (EPS) for 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

• Today: 9/15/2025
• Last Earnings: 9/15/2025
• Next Earnings (Estimated): 9/23/2025
• 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): $3.00
• Trailing P/E Ratio: 10.45
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $3.25 million
• Net Margins: 10.23%
• 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: $26.37 million
• Price / Sales: 1.19
• 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: $31.34 million
• Optionable: Not Optionable
• Beta: 0.30