HCB Financial (HCBN) Stock Analysis & Winston Score

HCB Financial Corp. is a small regional bank holding company based in the United States. It offers everyday banking services like checking and savings accounts, loans, and mortgages, mainly to individuals and small businesses in its local communities. Regional banks like this one compete by building close relationships with customers in areas that larger national banks may not serve as well.

The company makes money primarily through net interest income — it takes in deposits and lends that money out at higher interest rates, keeping the difference as profit. With a market cap of around $100 million, it is a very small bank operating in a limited geographic area. The main risk it faces is interest rate sensitivity — when rates shift, the gap between what it earns on loans and what it pays on deposits can shrink, squeezing profits. Slow loan growth in its local market could also limit how much the business expands over time.

Winston Score History

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

-4.2% YoY

YoY Growth Rate

Revenue declining

EPS Growth

-19.0% YoY

YoY Growth Rate

Earnings declining

Insider Activity

100.0%ownership

→ Flat

Insiders holding steady — not selling despite ability to

Cash Position

Cash flow positive

$159M cash & investments

Company generates more cash than it spends — no dilution risk from fundraising

Revenue declining

HCB Financial's revenue is actually shrinking. In a growth stock, that removes the core investment thesis. The low Winston Score here may be warranted — unless there's a turnaround story.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Quality

Gross Margin

69.3%

Premium pricing power — 69.3% gross margin

Operating Margin

16.1%

Healthy — 16.1% operating margin

ROCE

2.1%

Weak — 2.1% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY

+2.6%

Nearly flat sales (2.6% YoY)

EPS YoY

-0.2%

Earnings shrinking (-0.2% YoY)

Slight earnings drop. Typical near a cyclical low.

EPS Consistency

4/8 quarters

Earnings inconsistent quarter-to-quarter

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Cash Flow

Cash Conversion

0%

Weak — only 0% of profit becomes cash

FCF Margin

0.0%

Thin free cash flow (0.0%)

FCF margin between 0% and 10%. Some cash from sales, but not a lot.

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Stability

Debt / Equity

0.15

Conservative — low debt load (0.15)

Interest Cover

0.85x

Dangerous — barely covers interest (0.9x)

Interest coverage below 1. Their profits don't cover the interest bill.

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Valuation

P/E Ratio (TTM)

12.8x

no trend

Attractive valuation — P/E 12.8

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

P/E vs Forward

N/A

not available

Data not available

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Dividends

Dividend Yield

1.91%

no trend

Small dividend — 1.91% yield

Modest yield. The bulk of any return needs to come from price appreciation.

Dividend Growth

-4.1%

no trend

Dividend cut (-4.1% YoY) — warning sign

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