HCBN Financials: HCB Financial Corp AI Analysis

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Financials

HCBN Financial

HCB Financial Corp

$68.95

-1.49%

$-1.04

At close: May 14, 16:00:00 GMT-4

$68.95

Post-market: May 14, 20:00:00 GMT-4

Overview Forecast Earnings Dividends Financials

Income

Balance sheet

Cash flow

Annual

Quarterly

HCBN Income

Financials in millions USD. Fiscal year is February - January.

Breakdown	TTM	12/31/2025	09/30/2025	06/30/2025	03/31/2025	12/31/2024
Revenue	5,142	1,428	1,307	1,329	1,076	1,231
Revenue Growth (YoY)	-4%	16%	-3%	-7%	-21%	-48%
Cost of Revenue	4,474	1,230	1,190	1,133	920	1,093
Gross Profit	668	197	117	196	156	138
Selling, General & Admin	548	152	133	137	124	133
Research & Development	51	12	12	12	14	20
Operating Expenses	600	165	146	149	138	153
Other Non Operating Income (Expenses)	-3	-32	20	-6	15	96
Pretax Income	-552	-284	-239	-8	-18	76
Income Tax Expense	156	157	-30	34	-3	10
Net Income	-677	-455	-202	-18	0	33
Net Income Growth	-49%	-1,479%	-82%	-92%	-100%	-105%
Shares Outstanding (Diluted)	117.7	117.7	117.68	117.66	117.6	117.54
Shares Change (YoY)	0%	0%	0%	0%	0%	0%
EPS (Diluted)	-5.75	-3.87	-1.71	-0.15	0	0.28
EPS Growth	-49%	-1,455%	-82%	-92%	-96%	-105%
Free Cash Flow	692	233	223	-126	362	-355
Free Cash Flow Per Share	--	--	--	--	--	--
Gross Margin	12.99%	13.79%	8.95%	14.74%	14.49%	11.21%
Operating Margin	1.32%	2.24%	-2.14%	3.53%	1.57%	-1.21%
Profit Margin	-13.16%	-31.86%	-15.45%	-1.35%	0%	2.68%
Free Cash Flow Margin	13.45%	16.31%	17.06%	-9.48%	33.64%	-28.83%
EBITDA	726	195	136	215	178	148
EBITDA Margin	14.11%	13.65%	10.4%	16.17%	16.54%	12.02%
D&A For EBITDA	658	163	164	168	161	163
EBIT	68	32	-28	47	17	-15
EBIT Margin	1.32%	2.24%	-2.14%	3.53%	1.57%	-1.21%
Effective Tax Rate	-28.26%	-55.28%	12.55%	-425%	16.66%	13.15%

Follow-Up Questions

What are HCB Financial Corp's key financial statements?



According to the latest financial statement (Form-10K), Albemarle Corp has a total asset of $0, Net loss of $0

What are the key financial ratios for HCBN?



Albemarle Corp's Current ratio is 0, has a Net margin is 0, sales per share of $0.

How is HCB Financial Corp's revenue broken down by segment or geography?



Currently Albemarle Corp data is not available.

Is HCB Financial Corp profitable?



no, according to the latest financial statements, Albemarle Corp has a net loss of $0

Does HCB Financial Corp have any liabilities?



no, Albemarle Corp has liability of 0

How many outstanding shares for HCB Financial Corp?



Albemarle Corp has a total outstanding shares of 0

Key Stats

Prev.Close

$70

Open

$69

Day's Range

$68.95 - $69.1

52 week range

$33.94 - $72

Volume

2.1K

Avg.Volume

2.2K

Dividend yield

EPS (TTM)

Market Cap

$73.5M

What is HCBN?

The company is headquartered in Hastings, Michigan. The company went IPO on 2001-08-29.

Features

Markets

News

HCB Financial Corp (HCBN) Financial

HCBN Financial

HCB Financial Corp

$68.95

-1.49%

$-1.04

At close: May 14, 16:00:00 GMT-4

$68.95

Post-market: May 14, 20:00:00 GMT-4

Overview Forecast Earnings Dividends Financials

Income

Balance sheet

Cash flow

Annual

Quarterly

HCBN Income

Financials in millions USD. Fiscal year is February - January.

Breakdown	TTM	12/31/2025	09/30/2025	06/30/2025	03/31/2025	12/31/2024
Revenue	5,142	1,428	1,307	1,329	1,076	1,231
Revenue Growth (YoY)	-4%	16%	-3%	-7%	-21%	-48%
Cost of Revenue	4,474	1,230	1,190	1,133	920	1,093
Gross Profit	668	197	117	196	156	138
Selling, General & Admin	548	152	133	137	124	133
Research & Development	51	12	12	12	14	20
Operating Expenses	600	165	146	149	138	153
Other Non Operating Income (Expenses)	-3	-32	20	-6	15	96
Pretax Income	-552	-284	-239	-8	-18	76
Income Tax Expense	156	157	-30	34	-3	10
Net Income	-677	-455	-202	-18	0	33
Net Income Growth	-49%	-1,479%	-82%	-92%	-100%	-105%
Shares Outstanding (Diluted)	117.7	117.7	117.68	117.66	117.6	117.54
Shares Change (YoY)	0%	0%	0%	0%	0%	0%
EPS (Diluted)	-5.75	-3.87	-1.71	-0.15	0	0.28
EPS Growth	-49%	-1,455%	-82%	-92%	-96%	-105%
Free Cash Flow	692	233	223	-126	362	-355
Free Cash Flow Per Share	--	--	--	--	--	--
Gross Margin	12.99%	13.79%	8.95%	14.74%	14.49%	11.21%
Operating Margin	1.32%	2.24%	-2.14%	3.53%	1.57%	-1.21%
Profit Margin	-13.16%	-31.86%	-15.45%	-1.35%	0%	2.68%
Free Cash Flow Margin	13.45%	16.31%	17.06%	-9.48%	33.64%	-28.83%
EBITDA	726	195	136	215	178	148
EBITDA Margin	14.11%	13.65%	10.4%	16.17%	16.54%	12.02%
D&A For EBITDA	658	163	164	168	161	163
EBIT	68	32	-28	47	17	-15
EBIT Margin	1.32%	2.24%	-2.14%	3.53%	1.57%	-1.21%
Effective Tax Rate	-28.26%	-55.28%	12.55%	-425%	16.66%	13.15%

Follow-Up Questions

What are HCB Financial Corp's key financial statements?



According to the latest financial statement (Form-10K), Albemarle Corp has a total asset of $0, Net loss of $0

What are the key financial ratios for HCBN?



Albemarle Corp's Current ratio is 0, has a Net margin is 0, sales per share of $0.

How is HCB Financial Corp's revenue broken down by segment or geography?



Currently Albemarle Corp data is not available.

Is HCB Financial Corp profitable?



no, according to the latest financial statements, Albemarle Corp has a net loss of $0

Does HCB Financial Corp have any liabilities?



no, Albemarle Corp has liability of 0

How many outstanding shares for HCB Financial Corp?



Albemarle Corp has a total outstanding shares of 0

Key Stats

Prev.Close

$70

Open

$69

Day's Range

$68.95 - $69.1

52 week range

$33.94 - $72

Volume

2.1K

Avg.Volume

2.2K

Dividend yield

EPS (TTM)

Market Cap

$73.5M

What is HCBN?

The company is headquartered in Hastings, Michigan. The company went IPO on 2001-08-29.

HCB Financial Corp (HCBN) Financial

HCBN Stock Price Chart

HCBN Income

Follow-Up Questions

What are HCB Financial Corp's key financial statements?

What are the key financial ratios for HCBN?

How is HCB Financial Corp's revenue broken down by segment or geography?

Is HCB Financial Corp profitable?

Does HCB Financial Corp have any liabilities?

How many outstanding shares for HCB Financial Corp?

Key Stats

Prev.Close

Open

Day's Range

52 week range

Volume

Avg.Volume

Dividend yield

EPS (TTM)

Market Cap

What is HCBN?

HCB Financial Corp (HCBN) Financial

HCBN Stock Price Chart

HCBN Income

Follow-Up Questions

What are HCB Financial Corp's key financial statements?

What are the key financial ratios for HCBN?

How is HCB Financial Corp's revenue broken down by segment or geography?

Is HCB Financial Corp profitable?

Does HCB Financial Corp have any liabilities?

How many outstanding shares for HCB Financial Corp?

Key Stats

Prev.Close

Open

Day's Range

52 week range

Volume

Avg.Volume

Dividend yield

EPS (TTM)

Market Cap

What is HCBN?