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

Cash on Hand Financials Revenue

HCB Financial Corp. (HCBN) Cash on Hand — Cash & Short-Term Investments

Cash & cash equivalents plus short-term investments from the balance sheet, YoY change, and net cash vs debt context.

HCBN · cash on hand · updated Dec 31, 2025

Core cash position

as of Dec 31, 2025

Cash & Short-Term Investments (CCE + ST Investments)

$159.2M▼ -28.9% vs prior year

FY · as of Dec 31, 2025 · Reported in USD

Cash & Cash Equiv. (CCE)

$159.2M

cashAndCashEquivalents

Short-Term Investments

shortTermInvestments

YoY Change vs Prior Year

-28.9%

vs prior fiscal year

Latest Quarter

$159.2M

Q4 2025

Data Scope & Methodology

Cash on Hand = Cash & Cash Equivalents (CCE) + Short-Term Investments, as reported on the balance sheet (10-K/10-Q). Also referred to as cash reserves or cash position. Not free cash flow.

Source: FMP /balance-sheet-statement · SEC 10-K / 10-Q · Reported in USD

Source: FMP /balance-sheet-statement · SEC 10-K / 10-Q · USDUpdated: December 31, 2025

Net cash vs debt

Cash vs Debt · Balance Sheet Health

Cash & ST Investments$159.2MCash on Hand

Total Debt$7.0MTotal Debt

Net Cash / Net Debt+$152.2MNet Cash Position

Cash vs Debt Ratio

Cash 96%HCB Financial Corp. cash as % of market cap: 217.58%% · MCap $0BDebt 4%

HCB Financial Corp. has a net cash position of $152.2M, holding more cash than debt.

Net Cash = Cash & ST Investments − Total Debt$159.2M − $7.0M = +$152.2M

Cash on hand history

annual cash on hand trend · Cash & Short-Term Investments

YoY Increase

YoY Decrease

Latest Year

HCBN annual cash on hand history · Cash & Short-Term Investments · Source: FMP /balance-sheet-statement

Annual cash on hand by year

HCBN cash & short-term investments history

DatePeriodCash & ST InvestmentsYoY Change

Dec 31, 2025LatestFY$159.2M-28.9%

Dec 31, 2024FY$223.8M+43.8%

Dec 31, 2023FY$155.7M+218.2%

Dec 31, 2022FY$48.9M-59.3%

Dec 31, 2021FY$120.2M+63.9%

HCBN cash on hand annual historical data · Cash & Short-Term Investments per balance sheet (10-K/10-Q) · Reported in USD · Source: FMP /balance-sheet-statement

Financial Services Sector Cash Reserves Comparison

HCBN vs peers · cash on hand

#CompanyCash & ST Inv.Market CapCash/MCapRelative

Berkshire Hathaway Inc.

Mastercard Incorporated

$10.90B$433B2.5%

HCB Financial Corp.YOU

HCBN

$159.2M$73M217.6%

Financial Services sector cash reserves · Source: FMP /balance-sheet-statement + /profile · Sorted by Cash desccompanies with most cash on hand →

About cash on hand & methodology

HCB Financial Corp. (HCBN) cash on hand as of December 31, 2025 is $159.2M, comprising $159.2M in cash and cash equivalents (CCE) plus $0 in short-term investments — reported as HCB Financial Corp. cash and short-term investments on the balance sheet (10-K filing). Also referred to as HCB Financial Corp. cash reserves or cash position.

HCB Financial Corp. annual cash on hand history shows decreased -28.9% in 2025: decreased -28.9% in 2025. HCB Financial Corp. cash reserves in 2025 reflect the company's capital allocation strategy.

HCB Financial Corp. carries total debt of $7.0M against cash of $159.2M, resulting in a net cash position of +$152.2M. For the full balance sheet, see the Financials → Balance Sheet tab.

Figures tie to SEC 10-K/10-Q balance sheet disclosures and FMP /balance-sheet-statement where noted.

Financial statements Free cash flow Net income Revenue Market cap P/E ratio Earnings Price history

Frequently asked questions

HCBN cash on hand · 5 questions

As of December 31, 2025, HCB Financial Corp. (HCBN) has $159,246,660 in cash on hand — defined as cash and short-term investments on the balance sheet. This includes $159,246,660 in cash and cash equivalents (CCE) plus $0 in short-term investments. Latest quarter (December 31, 2025): $159,246,660. Data sourced from the annual 10-K filing via FMP.

HCBN cash on handHCBN cash reservesHCBN cash 2025how much cash does HCBN have

▸ Source: FMP /balance-sheet-statement · US GAAP · HCB Financial Corp. · HCB Financial Corp. SEC 10-K & 10-Q filings · US GAAP · Last updated: December 31, 2025