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Equity
HCB Financial Corp(HCBN)
USD --+0.00%
Reward79High
Risk37Moderate
📊75%Data
Strong 30% profit margin · 3.4% dividend yield · Revenue growing 22% YoY
HCBN
+0.0 · +0.00%
USD · PINK
HCB Financial Corp | Financial Services
Quality Compounder
Market Cap:41.51M
ℹ️
Reward Rating
79
High
Top 5% (model universe)
75% data coverage
ℹ️
Risk Rating
37
Moderate
Risk Assessment
ℹ️

Educational tool only – Scores are based on historical data and financial metrics for informational purposes. This is not financial advice or a recommendation to buy or sell any security. Always conduct your own research or consult a qualified financial adviser.

ℹ️ Educational tool only · More
Limited data coverage
We don't have enough public data on HCBN to score it reliably yet — Reward, Risk, Forecasts and Dividends tabs aren't available for this stock. The price chart and basic profile are still shown.
OTC / ADR stock — scores and fundamentals use data tagged in USD by our provider. The issuer may report in a different home currency (e.g. JPY), so treat figures as directional rather than precise.
Not available for limited-coverage stocks
The overview tab requires fundamentals and price history we don't have for this stock. The price chart is the most reliable view we have — try the Chart tab.

Market Performance

Stock returned +10.0% over the past year, broadly in line with market conditions.

What is HCB Financial Corp?

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

HCBN · Verdict

Strong reward · moderate risk

HCBN scores well on growth and profitability with no major weaknesses flagged in the model.

Based on 88% data coverage

HCBN · Verdict

What’s working & what to watch

Strengths 5

  • Growth96/100

    Rev +24.4% CAGR · earnings +36.5%

  • Profitability87/100

    20% net margin · 15% ROE

  • Volatility80/100

    Top decile vs peers

  • Valuation72/100

    Above average

  • Cash flow70/100

    20% free-cash-flow margin

No major weaknesses flagged.

Model-based scoring. For information only — not financial advice.

What is 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. The company is listed on the PINK in USA, operating in the Financial Services sector, with a market capitalisation of 41.51M, and a P/E ratio of 6.0x.

Financial Highlights

Investment Breakdown

📈 Growth
Revenue and earnings growing steadily, indicating improving operating performance.
💰 Profitability
Strong margins and consistent earnings support financial stability.
⚠️ Risk
Risk profile appears balanced versus broad market conditions.
💸 Valuation
Currently trading below intrinsic value estimates, suggesting upside potential.

OpenBook Logo Analysis

Reward: High (79)

The scoring profile indicates a strong reward potential, driven primarily by growth and profitability. Risk indicators are moderate, consistent with typical market exposure.

For informational purposes only. Not financial advice.

Company Information
SectorFinancial Services
Market Cap41.51M
P/E Ratio6.0207
Dividend Yield3.44%
52 Week High44
52 Week Low32.459
Last AnnualDecember
IPO DateN/A
IncorporatedUSA
Shares Outstanding1M
No. of EmployeesN/A
IndustryBanks - Regional
ExchangePINK
Beta0.377
CurrencyUSD
Websitewww.highpointcommunitybank.com/hcb-financi
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