HCBC Stock — High Country Bancorp Inc

High Country Bancorp Inc (HCBC)

Updated October 15, 2026.

HCBC is a Stock. its distribution rate is 1.11%, its trailing-12-month yield is 1.11%. Dividend Vision Distribution Safety Score™ is 50/100 (Unproven). Total return is 979.5% over the past 28.8 years, 226.1 points behind SPY at 1205.6%.

High Country Bancorp is a bank holding company based in Colorado that provides retail and commercial banking services, including deposit accounts, personal and commercial loans, mortgage services, and credit card products. The company currently distributes at a moderate rate, though its most recent distribution was special and may not recur on a regular basis. This equity is primarily of interest to income-focused investors seeking exposure to regional banking.

HCBC performance versus SPY

Price and return data through 2026-10-15.

Total return is 979.5% over the past 28.8 years, 226.1 points behind SPY at 1205.6%. Over the past year its total return — price change plus distributions reinvested — is 49.8%. Its deepest 1-year drawdown was 9.2%.

HCBC key facts

Distribution Safety Score™

50 · Unproven

Asset type

Stock

Asset class

Equity

Inception date

12/10/1997

Distribution rate

1.11%

Trailing yield

1.11%

5-year average yield

5.53

Last close

$45.18 (as of 2026-10-15)

Market cap

$45,066,237

Average volume

0.0

Dividend

$0.50

Ex-dividend date

08/07/2026

Payment date

08/21/2026

Beta

0.308

Payout ratio

43.5%

P/E ratio

9.82

EPS

$4.60

How Dividend Vision calculates yield and returns

Distribution rate (1.11%) uses calculation basis unavailable. Issuer rates can use a different denominator and date, including ex-date NAV. Trailing-12-month yield (1.11%) is the sum of split-adjusted cash distributions with ex-dates in the last 12 months, divided by the published price. It lags a recent raise or cut. Total return uses split-adjusted close with distributions reinvested on the ex-dividend date (a modeling convention, not the cash-settlement date) from the first stored bar on or after inception through the latest bar, compared with the same window on the benchmark. That is the security's total return, not your personal gain/loss.

Yield and safety methodology · Distribution rate methodology · Distribution Safety Score methodology

Sources and review

Primary sources: prices and distributions from Dividend Vision, derived from vendor EOD data.

Reviewed by Bert Sweet, CEO and Co-owner of Dividend Vision. Methodology: Distribution Safety Score.

HCBC risks and drawbacks

HCBC's current distribution rate is moderate, not a high-yield payout — the strategy is dividend quality more than maximum income. Total return has trailed SPY over the available window. The deepest 1-year drawdown on record here is 9.2%.

Who may consider HCBC — and who may not

It is a weaker fit for investors hunting double-digit covered-call yields; investors whose main goal is matching SPY total return. This is educational context, not a recommendation to buy or sell.

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Tagged: Financials, Dividend.

Frequently asked questions