HCB Financial Corp
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. … Read more
HCB Financial Corp (HCBN) - Net Assets
Latest net assets as of September 2025: $46.54 Million USD
Based on the latest financial reports, HCB Financial Corp (HCBN) has net assets worth $46.54 Million USD as of September 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($596.09 Million) and total liabilities ($549.55 Million). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $46.54 Million |
| % of Total Assets | 7.81% |
| Annual Growth Rate | 2.42% |
| 5-Year Change | 18.45% |
| 10-Year Change | 50.27% |
| Growth Volatility | 208.97 |
HCB Financial Corp - Net Assets Trend (2003–2024)
This chart illustrates how HCB Financial Corp's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for HCB Financial Corp (2003–2024)
The table below shows the annual net assets of HCB Financial Corp from 2003 to 2024.
| Year | Net Assets | Change |
|---|---|---|
| 2024-12-31 | $42.36 Million | +13.78% |
| 2023-12-31 | $37.23 Million | +13.09% |
| 2022-12-31 | $32.92 Million | -6.90% |
| 2021-12-31 | $35.36 Million | -1.12% |
| 2020-12-31 | $35.76 Million | +7.31% |
| 2019-12-31 | $33.32 Million | +8.76% |
| 2018-12-31 | $30.64 Million | +2.43% |
| 2017-12-31 | $29.91 Million | +4.54% |
| 2016-12-31 | $28.61 Million | +1.51% |
| 2015-12-31 | $28.19 Million | +3.93% |
| 2014-12-31 | $27.12 Million | +7.21% |
| 2013-12-31 | $25.30 Million | -89.82% |
| 2012-12-31 | $248.46 Million | +855.69% |
| 2006-12-31 | $26.00 Million | +3.20% |
| 2005-12-31 | $25.19 Million | -3.16% |
| 2004-12-31 | $26.01 Million | +1.46% |
| 2003-12-31 | $25.64 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to HCB Financial Corp's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 93.9% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2024)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $40.54 Million | 95.72% |
| Common Stock | $1.55 Million | 3.67% |
| Other Comprehensive Income | $-2.23 Million | -5.26% |
| Other Components | $2.49 Million | 5.88% |
| Total Equity | $42.36 Million | 100.00% |
HCB Financial Corp Competitors by Market Cap
The table below lists competitors of HCB Financial Corp ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Seafarer Exploration
PINK:SFRX
|
$25.57 Million |
|
Fairchem Organics Limited
NSE:FAIRCHEMOR
|
$25.58 Million |
|
Raffles Education Corporation Limited
PINK:RFLFF
|
$25.58 Million |
|
360350
KQ:360350
|
$25.58 Million |
|
Buana Finance Tbk
JK:BBLD
|
$25.56 Million |
|
Korea Steel Co Ltd
KO:007280
|
$25.55 Million |
|
Royalty Management Holding Corporation
NASDAQ:RMCO
|
$25.55 Million |
|
Shin Yang Shipping Corporation Bhd
KLSE:5173
|
$25.55 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in HCB Financial Corp's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2023 to 2024, total equity changed from 37,226,929 to 42,357,916, a change of 5,130,987 (13.8%).
- Net income of 6,006,029 contributed positively to equity growth.
- Dividend payments of 1,316,500 reduced retained earnings.
- Share repurchases of 537,029 reduced equity.
- Other comprehensive income increased equity by 1,062,652.
Equity Change Factors (2023 to 2024)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $6.01 Million | +14.18% |
| Dividends Paid | $1.32 Million | -3.11% |
| Share Repurchases | $537.03K | -1.27% |
| Other Comprehensive Income | $1.06 Million | +2.51% |
| Other Changes | $-84.17K | -0.2% |
| Total Change | $- | 13.78% |
Book Value vs Market Value Analysis
This analysis compares HCB Financial Corp's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.81x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has decreased from 1.49x to 0.81x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2003-12-31 | $22.39 | $33.25 | x |
| 2004-12-31 | $22.99 | $33.25 | x |
| 2005-12-31 | $22.32 | $33.25 | x |
| 2006-12-31 | $23.04 | $33.25 | x |
| 2012-12-31 | $20.69 | $33.25 | x |
| 2013-12-31 | $23.73 | $33.25 | x |
| 2014-12-31 | $25.44 | $33.25 | x |
| 2015-12-31 | $26.44 | $33.25 | x |
| 2016-12-31 | $26.84 | $33.25 | x |
| 2017-12-31 | $28.06 | $33.25 | x |
| 2018-12-31 | $28.74 | $33.25 | x |
| 2019-12-31 | $31.26 | $33.25 | x |
| 2020-12-31 | $33.55 | $33.25 | x |
| 2021-12-31 | $34.11 | $33.25 | x |
| 2022-12-31 | $31.76 | $33.25 | x |
| 2023-12-31 | $35.91 | $33.25 | x |
| 2024-12-31 | $41.28 | $33.25 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently HCB Financial Corp utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 14.18%
- The company shows good efficiency in utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 20.21%
- • Asset Turnover: 0.05x
- • Equity Multiplier: 14.82x
- Recent ROE (14.18%) is above the historical average (7.64%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2003 | 9.36% | 17.13% | 0.06x | 9.28x | $-163.97K |
| 2004 | 8.27% | 17.47% | 0.05x | 9.18x | $-451.29K |
| 2005 | 4.05% | 11.16% | 0.04x | 9.14x | $-1.50 Million |
| 2006 | 7.79% | 22.17% | 0.04x | 8.90x | $-574.80K |
| 2012 | 5.99% | 13.46% | 0.04x | 11.74x | $-885.03K |
| 2013 | 4.26% | 11.13% | 0.04x | 10.70x | $-1.45 Million |
| 2014 | 5.69% | 14.64% | 0.03x | 11.22x | $-1.17 Million |
| 2015 | 6.12% | 14.88% | 0.04x | 10.72x | $-1.09 Million |
| 2016 | 6.23% | 14.72% | 0.04x | 10.82x | $-1.08 Million |
| 2017 | 6.96% | 16.39% | 0.04x | 10.90x | $-909.69K |
| 2018 | 7.07% | 15.90% | 0.04x | 10.40x | $-897.88K |
| 2019 | 6.84% | 15.94% | 0.04x | 9.73x | $-1.05 Million |
| 2020 | 7.57% | 17.04% | 0.04x | 11.05x | $-868.20K |
| 2021 | 6.68% | 15.29% | 0.03x | 13.06x | $-1.18 Million |
| 2022 | 9.30% | 18.19% | 0.04x | 14.34x | $-229.25K |
| 2023 | 13.47% | 20.39% | 0.04x | 15.08x | $1.29 Million |
| 2024 | 14.18% | 20.21% | 0.05x | 14.82x | $1.77 Million |
Industry Comparison
This section compares HCB Financial Corp's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $25,670,820,700
- Average return on equity (ROE) among peers: 9.44%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| HCB Financial Corp (HCBN) | $46.54 Million | 9.36% | 11.81x | $25.57 Million |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $4.91 Billion |
| ACNB Corporation (ACNB) | $2.75 Billion | 1.01% | 0.01x | $462.57 Million |
| Addiko Bank AG (ADBKF) | $839.50 Million | 5.41% | 6.63x | $210.07 Million |
| Affinity Bancshares Inc (AFBI) | $120.97 Million | 6.26% | 5.51x | $79.94 Million |
| Absa Group Limited (AGRPF) | $19.52 Billion | 23.08% | 14.72x | $6.72 Billion |
| AIB Group plc (AIBGY) | $14.46 Billion | -16.17% | 8.45x | $21.72 Billion |
| Akbank Turk Anonim Sirketi (AKBTY) | $211.22 Billion | 31.48% | 8.02x | $8.60 Billion |
| Alpha Bank SA (ALBKY) | $7.32 Billion | 8.44% | 8.89x | $1.12 Billion |
| Community Capital Bancshares Inc (ALBY) | $9.19 Million | 7.09% | 8.66x | $19.76 Million |
| Alpine Banks of Colorado (ALPIB) | $342.89 Million | 16.92% | 10.27x | $248.47 Million |