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High Country Bancorp, Inc.
HCBCFinancial ServicesOTCUS
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Estimates, scoring, valuation assumptions, and peer comparison in one research surface.
Change the assumptions to see how revenue growth, margins, and exit multiples can move fair value.
| Year | Revenue | Margin | Profit | Free cash flow | Present value |
|---|---|---|---|---|---|
| 2026 | $30.73M | 11.6% | $3.56M | -$1.08M | N/A |
| 2027 | $33.80M | 11.6% | $3.92M | -$1.18M | -$1.08M |
| 2028 | $37.18M | 11.6% | $4.31M | -$1.30M | -$1.08M |
| 2029 | $40.90M | 11.6% | $4.74M | -$1.43M | -$1.08M |
| 2030 | $44.99M | 11.6% | $5.22M | -$1.57M | -$1.08M |
| 2031 | $49.49M | 11.6% | $5.74M | -$1.73M | -$1.08M |
Projects EPS forward, applies an exit P/E, then discounts the result back to today.
| Base EPS | $3.53 | 2025-06-30 |
| EPS growth | +9.6% | Forecast years: 5 |
| Future EPS | $5.582 | EPS × (1 + G)^5 |
| Base P/E | 7.9 | P/E |
| Future price | $44.102 | Future EPS × P/E |
| Fair value today | $27.384 | PV @ 10.0% |
| 30% safety price | $19.169 | Margin of safety |
| 50% safety price | $13.692 | Margin of safety |
| Discount rate \\ Terminal growth | 1.5% | 2.5% | 3.5% |
|---|---|---|---|
| 9.0% | -$43.285 | -$46.845 | -$51.699 |
| 10.0% | -$39.69 | -$42.314 | -$45.746 |
| 11.0% | -$36.855 | -$38.854 | -$41.385 |