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Highlands Bankshares (HBSI) Price & Analysis

HBSI Stock Chart & Stats

$49.00$0.00(0.00%)
At close: 4:00 PM EDT
$47$48$4921 Sep6 Oct14 Oct29 Oct
Day’s Range
$49.00 - $49.00
52-Week Range
$38.00 - $52.00
Previous Close
$49.00
Volume
100
Average Volume (3M)
58
Market Cap
$64.13M
Enterprise Value
$57.89M
Total Cash (Recent Filing)
$5.69M
Total Debt (Recent Filing)
$4.53M
Price to Earnings (P/E)
9.3
Beta
-0.01
Next Earnings
Feb 16, 2027
EPS Estimate
N/A
Next Dividend Ex-Date
N/A
Dividend Yield
3.88%

Bulls Say, Bears Say

Bulls Say

Revenue Growth

Sustained top-line expansion more than doubled revenue over 2023–2025, indicating durable customer demand and successful loan or deposit growth. This scale-up supports longer-term interest income expansion, improved capacity to invest in distribution, and higher absolute profits even if margins fluctuate.

Conservative Balance Sheet

Low leverage and rising equity provide structural resilience against credit stress and rate volatility. A conservatively levered balance sheet preserves regulatory capital headroom, supports continued lending capacity, and underpins improving ROE while limiting refinancing and liquidity pressure risks.

Improving Cash Generation

Consistent positive operating cash flow and recovering free cash flow provide durable internal funding for lending, branch or technology investment, and dividend support. Reliable cash generation reduces reliance on wholesale funding and gives flexibility to absorb credit loss cycles.

Bears Say

Earnings-to-Cash Conversion Variability

Material divergence between reported earnings and cash conversion undermines the reliability of profits to fund capital returns or growth. Variable conversion complicates forecasting, may force higher provisions or capital raises in stress, and constrains predictable dividend or reinvestment policy.

Profitability Volatility

Inconsistent profitability metrics and unclear margin trends suggest operating results are sensitive to one-offs, credit dynamics, or expense swings. This weakens predictability of sustainable margins and ROE, making long-term earnings visibility and planning for capital allocation harder.

Limited Scale And Revenue Diversification

Heavy reliance on net interest income and community-banking scale (assets ~ $632.7M) constrains fee diversification and economies of scale versus larger peers. Limited scale increases sensitivity to local market cycles and compresses long-term expense and technology leverage.

HBSI FAQ

What was Highlands Bankshares’s price range in the past 12 months?
Highlands Bankshares lowest stock price was $38.00 and its highest was $52.00 in the past 12 months.
What is Highlands Bankshares’s market cap?
Highlands Bankshares’s market cap is $64.13M.
When is Highlands Bankshares’s upcoming earnings report date?
The company’s upcoming earnings report date is not yet available.
How were Highlands Bankshares’s earnings last quarter?
Highlands Bankshares released its earnings results on Jul 14, 2026. The company reported $1.564 earnings per share for the quarter.
Is Highlands Bankshares overvalued?
Not enough analysts have published a price target to calculate whether the price is overvalued.
Does Highlands Bankshares pay dividends?
Highlands Bankshares pays a Quarterly dividend of $0.48 which represents an annual dividend yield of 3.88%. See more information on Highlands Bankshares dividends here
What is Highlands Bankshares’s EPS estimate?
Highlands Bankshares’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Highlands Bankshares have?
Highlands Bankshares has 1,308,789 shares outstanding.
What happened to Highlands Bankshares’s price movement after its last earnings report?
Highlands Bankshares reported an EPS of $1.564 in its last earnings report. Following the earnings report the stock price went same 0%.
Which hedge fund is a major shareholder of Highlands Bankshares?
Currently, no hedge funds are holding shares in HBSI
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology