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High Country Bancorp (High Country Bancorp) Intrinsic Value: Projected FCF : $79.60 (As of May. 22, 2024)


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What is High Country Bancorp Intrinsic Value: Projected FCF?

Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company. The details of how we calculate the intrinsic value of stocks are described in detail here.

As of today (2024-05-22), High Country Bancorp's Intrinsic Value: Projected FCF is $79.60. The stock price of High Country Bancorp is $29.32. Therefore, High Country Bancorp's Price-to-Intrinsic-Value-Projected-FCF of today is 0.4.

The historical rank and industry rank for High Country Bancorp's Intrinsic Value: Projected FCF or its related term are showing as below:

HCBC' s Price-to-Projected-FCF Range Over the Past 10 Years
Min: 0.37   Med: 1.07   Max: 4.9
Current: 0.37

During the past 13 years, the highest Price-to-Intrinsic-Value-Projected-FCF of High Country Bancorp was 4.90. The lowest was 0.37. And the median was 1.07.

HCBC's Price-to-Projected-FCF is ranked better than
62.25% of 1229 companies
in the Banks industry
Industry Median: 0.45 vs HCBC: 0.37

High Country Bancorp Intrinsic Value: Projected FCF Historical Data

The historical data trend for High Country Bancorp's Intrinsic Value: Projected FCF can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

High Country Bancorp Intrinsic Value: Projected FCF Chart

High Country Bancorp Annual Data
Trend Jun02 Jun03 Jun16 Jun17 Jun18 Jun19 Jun20 Jun21 Jun22 Jun23
Intrinsic Value: Projected FCF
Get a 7-Day Free Trial Premium Member Only Premium Member Only 63.98 76.99 80.78 77.92 79.60

High Country Bancorp Quarterly Data
Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24
Intrinsic Value: Projected FCF Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only - 79.60 - - -

Competitive Comparison of High Country Bancorp's Intrinsic Value: Projected FCF

For the Banks - Regional subindustry, High Country Bancorp's Price-to-Projected-FCF, along with its competitors' market caps and Price-to-Projected-FCF data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


High Country Bancorp's Price-to-Projected-FCF Distribution in the Banks Industry

For the Banks industry and Financial Services sector, High Country Bancorp's Price-to-Projected-FCF distribution charts can be found below:

* The bar in red indicates where High Country Bancorp's Price-to-Projected-FCF falls into.



High Country Bancorp Intrinsic Value: Projected FCF Calculation

Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company.

The details of how we calculate the intrinsic value of stocks are described in detail here.

This method smooths out the free cash flow over the past 6-7 years, multiplies the results by a growth multiple, and adds a portion of Total Stockholders Equity.

Intrinsic Value: Projected FCF = ( Growth Multiple * Free Cash Flow (6 year avg) + 0.8 * Total Stockholders Equity (most recent) ) / Shares Outstanding (Diluted Average)

In the case of negative Total Stockholders Equity, the following formula is used (see Explanation section below for the reason):

Intrinsic Value: Projected FCF = ( Growth Multiple * Free Cash Flow (6 year avg) + Total Stockholders Equity (most recent) / 0.8 ) / Shares Outstanding (Diluted Average)


Add all the Free Cash Flow together and divide 6 will get High Country Bancorp's Free Cash Flow(6 year avg) = $4.50.

High Country Bancorp's Intrinsic Value: Projected FCF for today is calculated as

Intrinsic Value: Projected FCF=(Growth Multiple*Free Cash Flow (6 year avg)+Total Stockholders Equity (Jun23)*0.8)/Shares Outstanding (Diluted Average)
=(11.29937129898*4.503+38.291*0.8)/1.024
=79.60

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.


High Country Bancorp  (OTCPK:HCBC) Intrinsic Value: Projected FCF Explanation

The growth multiple is capped between 8.35 and 17.74.

Total Stockholders Equity weighting is more art than science and it should always be revisited in more detail when researching a company. Weightings from 0% to 100% to more than 100% are possible. 80% was chosen as a happy median after taking the above ideas into consideration.

High Country Bancorp's Price-to-Intrinsic-Value-Projected-FCF for today is calculated as

Price-to-Intrinsic-Value-Projected-FCF=Share Price/Intrinsic Value: Projected FCF
=29.32/79.603387655574
=0.37

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.


High Country Bancorp Intrinsic Value: Projected FCF Related Terms

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High Country Bancorp (High Country Bancorp) Business Description

Traded in Other Exchanges
N/A
Address
7360 West US Highway 50, P.O. Box 309, Salida, CO, USA, 81201
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.
Executives
Lorin D Smith director, officer: President & CEO
Scott G Erchul director, officer: Vice President
Frances Pasquale officer: Acting CFO 7360 WEST US HIGHWAY 50, SALIDA CO 81201
Young Richard A /co director
Philip W Harsh director 7360 WEST US HIGHWAY 50, SALIDA CO 81201

High Country Bancorp (High Country Bancorp) Headlines