HCB Financial Corp.

HCBNOTCFinancial Services● Active

$73.19

+$0.89(+1.23%)

Market Cap$73190000

P/E Ratio—

52W High$73.39

52W Low$34.6

Avg Volume2K

Open$72.96

Beta0.04

Overview

HCB Financial Corp. (HCBN) Free Cash Flow & Analysis

Annual & trailing free cash flow, FCF margin, YoY change, valuation ratios, and peer context.

HCBN · free cash flow · updated Jun 13, 2026

Core FCF metrics

HCBN · FCF · TTM · margin & CAGR

Free cash flow was $4.5M for FY2025 (fiscal year ending 2025-12-31), down 24.9% year-over-year The FCF margin was 14.3%. Five-year CAGR stands at +1.3%.

FY2025 Free Cash Flow$4.5M▼ -24.9% YoY

Trailing 12M (TTM)$0trailing 4 quarters sum

FCF Margin14.3%$4.5M ÷ revenue

3-Year CAGR+5.3%FY2022 → FY2025

5-Year CAGR+1.3%FY2020 → FY2025

FormulaFCF = Operating Cash Flow − Capital ExpendituresTTM = trailing 4 quarters sumCAGR → N/A if either endpoint ≤ 0

Source: FMP /cash-flow-statement · SEC 10-K / 10-Q · USDUpdated: Jun 13, 2026

Annual free cash flow history

FCF ($B, upper) · YoY Growth % (lower)

Positive FCFNegative FCF

Free Cash Flow

YoY Growth %

Annual free cash flow data

HCBN · free cash flow history · annual / quarterly

Fiscal YearOperating CFCapExFree Cash FlowYoY ChangeFCF Margin

FY2025Latest$7.6M(3M)$4.5M▼ 24.9%14.3%

FY2024$6.4M(0M)$6.0M▼ 14.2%20.0%

FY2023$7.2M(0M)$6.9M▲ +81.3%28.2%

FY2022$4.1M(0M)$3.8M▲ +85.3%22.7%

FY2021$2.5M(0M)$2.1M▼ 50.8%13.4%

FCF = Operating Cash Flow − Capital Expenditures · CapEx shown as (negative) · Source: SEC filings via FMP

FCF valuation metrics

HCBN · P/FCF · FCF yield · FCF per share

HCB Financial Corp. (HCBN) valuation ratios are currently unavailable — market cap, share count, or TTM data could not be retrieved from our data provider.

FCF Yield (TTM)

N/A

Free Cash Flow ÷ Market Cap

per FMP freeCashFlowYieldTTM definition

FCF per Share (TTM)

N/A

TTM FCF ÷ Shares Outstanding

Price / FCF

N/A

Share Price ÷ FCF per Share

EV / FCF (TTM)

N/A

Enterprise Value basis

Valuation ratios are unavailable — market cap, share count, or TTM data could not be retrieved. Individual metrics are shown where available.

Source: FMP /key-metrics-ttm · /cash-flow-statement Q · /income-statementFY2025 · 2025-12-31

Cash flow statement summary

HCBN · cash flow statement · operating / investing / financing

For FY2025, HCB Financial Corp. generated $7.6M in operating cash flow and spent 3M in capital expenditures, yielding $4.5M in free cash flow.

Operating Activities

+$7.6M

Cash from core business operations

2025-12-31

Investing Activities

−$25.7M

CapEx, acquisitions & investments

2025-12-31

Financing Activities

−$45.7M

Buybacks, dividends & debt

2025-12-31

FCF FormulaOperating CF ($7.6M) − |CapEx| (3M) = FCF ($4.5M)

For the complete Operating / Investing / Financing line-item breakdown:

View Full Cash Flow Statement →

Free cash flow vs peers (Financial Services)

HCBN vs peers · FCF

#CompanyFree Cash FlowYoYFCF MarginRelative

HCB Financial Corp.YOU

HCBN

$4.5M-24.9%14.3%

Berkshire Hathaway Inc.

BRK-B

$25.04B+115.6%6.7%

25%

Berkshire Hathaway Inc.

Mastercard Incorporated

$16.91B+18.2%51.6%

17%

Financial Services · Sorted by FCF · FMP /cash-flow-statementFull FCF Rankings →

About Free Cash Flow & Methodology

HCB Financial Corp. (HCBN) reported free cash flow of $4.5M for FY2025 (fiscal year ending 2025-12-31), down 24.9% year-over-year. The FCF margin was 14.3%.

Based on available data, HCB Financial Corp. has maintained positive free cash flow for at least 14 fiscal year(s). FCF peaked at $6.9M in FY2023. The 5-year CAGR stands at +1.3%.

Data sourced from FMP /cash-flow-statement · SEC 10-K / 10-Q · USD.

Q&A and summaries align with SEC 10-K/10-Q cash flow disclosures and FMP /cash-flow-statement where noted.

Revenue Financial statements Net income Earnings Forecast Price history Market cap Cash on hand P/E ratio

Frequently asked questions

HCBN free cash flow · 8 questions

HCB Financial Corp. free cash flow was $4.5M for FY2025, down 24.9% year-over-year. On a trailing twelve-month (TTM) basis, free cash flow stands at $0.

HCBN free cash flowHCBN FCFHCBN FCF 2025HCBN free cash flow TTM

▸ Source: FMP /cash-flow-statement · US GAAP · HCB Financial Corp. · HCB Financial Corp. SEC 10-K & 10-Q filings · US GAAP · Last updated: Jun 13, 2026