HCBN

HCB Financial Corp

HCBN, USA

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. It also provides 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 comprising sweep, courier banking, merchant and business credit card, night depositor, and wire services, as well as health savings accounts and business mentoring; and digital services. In addition, the company provides trust services, such as personal trust, estate settlement, corporate retirement plan services, and individual retirement account; and investment services. Further, it provides annuities, bonds, IRAs, life insurance, long term care/insurance products, mutual funds, and stocks. HCB Financial Corp. was founded in 1886 and is headquartered in Hastings, Michigan.

https://www.highpointcommunitybank.com/hcb-financi

Stock Price

$0.00

0%

decrease compared to yesterday.

Dividend

Frequency:

N/A

Rate:

0.35

Next Payout:

Jan 28, 2026

Yield:

3.5897 %
HCBN
stock
HCBN

HCB Financial Corp. (OTC Pink: HCBN) and Highpoint Community Bank Announce Intent to Expand into Ottawa County Yahoo Finance

Read more →

Finn Analysis

(Last Updated 2025-09-30)

Health Score

Price to Earnings Ratio (P/E)

-

Very High

5.77

Low ≥ 50

High ≤ 10

Price to Book Ratio (P/B)

-

Very Low

0.89

Low ≤ 1

High ≥ 3

Return on Equity (ROE)

-

Very Low

4.10 %

Low ≤ 5%

High ≥ 25%

Return on Assets (ROA)

-

Very Low

0.32 %

Low ≤ 2%

High ≥ 10%

Debt to Equity

-

Very Low

11.81

Low ≥ 1

High ≤ 0.3

Investors

* Institutions hold a combined 0.00% of the total shares of HCB Financial Corp

* Investors data is estimated based on stocks listed on Finnton that are currently held by Institution/Fund.

Earnings History

EPS ActualEPS EstimateEPS DifferenceSurprise Percent

Upcoming Earnings Release

Date

—

EPS Estimate

—

Latest Release

Date

2025-09-30

EPS Actual

1.788

EPS Estimate

—

EPS Difference

0

Surprise Percent

0%

Investing Fit Scorecard

(Last Updated 2025-09-30)

Deep Value
Potential Value Candidate(5.5)
Defensive
Moderately Defensive(4.5)
Dividend
Weak Dividend Profile(2)
Economic Moat
Wide Moat Company(6.8)
GARP
Not Attractive for GARP(1)
Growth
Weak Growth Prospect(1.5)
Momentum
Moderate Momentum(5)
Net Net
Not Undervalued (Net-Net)(2)
Quality
Moderate Quality(4)
Value
Undervalued(6.5)

Income Statement

(Last Updated 2025-09-30)

Revenue

$ 0

Cost Of Revenue

$ 0

Gross Profit

$ 0

Operating Expenses

$ 0

Operating Income

$ 0

Interest Expense

$ 0

Pretax Income

$ 0

Net Income

$ 0

Income Tax Expense

$ 0

EBITDA

$ 0

Total Other Income Expense Net

$ 0

Earnings Per Share

0

Dividends Per Share

0

Shares Outstanding

0

Operating Margin

0%

Trend

Balance Sheet

(Last Updated 2025-09-30)

Cash

$ 0

Short Term Investments

$ 0

Receivables

$ 0

Inventories

$ 0

Total Current Assets

$ 0

Property Plant Equipment

$ 0

Total Assets

$ 0

Payables

$ 0

Short Term Debt

$ 0

Long Term Debt

$ 0

Total Liabilities

$ 0

Equity

$ 0

Trend

Cash Flow

(Last Updated 2025-09-30)

Net Income

$ 0

Depreciation

$ 0

Change In Working Capital

$ 0

Cash From Operations

$ 0

Capital Expenditures

$ 0

Cash From Investing

$ 0

Cash From Financing

$ 0

Net Change In Cash

$ 0

Trend

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