Financial Services
HCB Financial Corp.(HCBN)
Live Price
Offline$72.50
+0.00% today
1Y Change
+107.20%
Window
Jun 25, 2025 → Jun 22, 2026
- Market Cap
- $70.00M
- Revenue Growth
- +5.5%
- EPS Growth
- +3.9%
- Dividend Yield
- 2.0%
Coverage: 248 bars · Jun 25, 2025 → Jun 22, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
HCB Financial Corp. (HCBN) is a Financial Services stock with a market cap of $70.00M and listed on OTC. The stock last traded around $72.50 and up 107.2% across the available one-year price window (Jun 25, 2025 → Jun 22, 2026). Baseline metrics include revenue growth of +5.5%, EPS growth of +3.9%, a dividend yield of 2.0%. What stands out right now is revenue +5.5%, EPS +3.9%, free cash flow -24.9% with operating margin 22.9% and ROIC 1.0%. The dividend is present but secondary, with a yield around 2.0%. Valuation is more restrained than many high-expectation growth names at P/E 11.2 and price/sales 2.2. Stock Foundry combines HCBN price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Sector Context
How this name stacks up against nearby peers on first-pass metrics.
Revenue Growth
Above sector median
+5.5% vs +3.4% peer median
Operating Margin
Above sector median
+22.9% vs +4.7% peer median
What Changed This Quarter
Latest report context and the signals most likely to have changed the story.
The operating story is still moving forward
Revenue is running at +5.5% and EPS at +3.9%, with operating margin around 22.9%.
Shareholder return is still part of the story
The stock is still offering a dividend yield around 2.0%, which matters if the thesis depends on income as much as growth.
Benchmark Edge
HCBN vs SPY, QQQ, and Sector ETFs
Normalized return, excess return, max drawdown, and calendar-year wins against the benchmarks investors actually use.
HCBN
—
Normalized return
SPY
--
S&P 500
Excess Return
--
Relative to SPY
HCBN Max Drawdown
-5.48%
Trailing 1Y
SPY Max Drawdown
—
Trailing 1Y
Calendar-Year Returns
Uses the longest available daily history for HCBN and SPY.
Company Overview
HCB Financial Corp.
Other OTC
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; and overdraft services. It also provides business banking services comprising 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 consisting of sweep and courier banking services, merchant credit card services, night depository services, wire services, health savings accounts, and business mentoring; and overdraft and digital services. In addition, the company offers trust and investment services; electronic banking services, including mobile, telephone, and online banking, mobile deposit, eStatements, and bill pay services; and debit and ATM, credit, gift, and reloadable cards. Further, it provides wealth management services, including investment management, personal trust administration, estate administration, individual retirement account, asset protection and risk management, investment and retirement planning, financial planning, and asset accumulation. Additionally, the company offers insurance services, which include life, health, and disability insurance, and education planning; and annuities, bonds, IRAs, mutual funds, and stocks products. The company operates seven full-service banking offices in Barry County. HCB Financial Corp. was founded in 1886 and is headquartered in Hastings, Michigan.
- Leadership
- Mark Allan Kolanowski
- IPO Date
- May 13, 2004
- Employees
- 89
- Street Address
- 150 West Court Street
- Mailing
- Hastings, MI, 49058
- Region
- Hastings, MI, US
- Reporting Currency
- USD
- Investor Line
- 269 945 2401
- Last Updated
- Apr 29, 2026
Key Fundamentals
Valuation, growth, profitability, and balance sheet signals.
Valuation
- P/E
- 11.2
- EV/EBITDA
- —
- Price/Sales
- 2.2
- Price/Book
- 1.5
Growth
- Revenue
- +5.5%
- EPS
- +3.9%
- Free Cash Flow
- -24.9%
Profitability
- Gross Margin
- 74.0%
- Operating Margin
- 22.9%
- Net Margin
- 19.6%
- ROE
- 14.0%
- ROIC
- 1.0%
Balance Sheet
- Debt/Equity
- 0.15
- Current Ratio
- 23.01
Earnings Reports
Latest News
Official Releases
Company announcements and filings-style updates.
Next Step
Keep the research moving
After the overview, the strongest next step is usually chart context or a tighter compare set.