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HBSI Stock Chart & Stats
$46.72
$0.25(0.52%)
At close: 4:00 PM EDT
$46.72
$0.25(0.52%)
Day’s Range― - ―
52-Week Range$37.25 - $52.00
Previous CloseN/A
Volume100.00
Average Volume (3M)0.00
Market Cap
$61.15M
Enterprise Value$57.95
Total Cash (Recent Filing)$4.49M
Total Debt (Recent Filing)$13.92M
Price to Earnings (P/E)9.1
Beta<0.01
Next Earnings
Oct 13, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield3.88%
Share Statistics
EPS (TTM)1.19
Shares Outstanding1,308,789
10 Day Avg. Volume0
30 Day Avg. Volume0
Financial Highlights & Ratios
PEG Ratio0.42
Price to Book (P/B)0.84
Price to Sales (P/S)1.52
P/FCF Ratio13.82
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
Revenue GrowthSustained 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 SheetLow 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 GenerationConsistent 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 VariabilityMaterial 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 VolatilityInconsistent 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 DiversificationHeavy 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 Inc’s price range in the past 12 months?
Highlands Bankshares Inc lowest stock price was $37.25 and its highest was $52.00 in the past 12 months.
What is Highlands Bankshares Inc’s market cap?
Highlands Bankshares Inc’s market cap is $61.15M.
When is Highlands Bankshares Inc’s upcoming earnings report date?
Highlands Bankshares Inc’s upcoming earnings report date is Oct 13, 2026 which is in 27 days.
How were Highlands Bankshares Inc’s earnings last quarter?
Highlands Bankshares Inc released its earnings results on Jul 14, 2026. The company reported $1.563 earnings per share for the quarter.
Is Highlands Bankshares Inc overvalued?
According to Wall Street analysts Highlands Bankshares Inc’s price is currently Overvalued.
Does Highlands Bankshares Inc pay dividends?
Highlands Bankshares Inc pays a Quarterly dividend of $0.48 which represents an annual dividend yield of 3.88%. See more information on Highlands Bankshares Inc dividends here
What is Highlands Bankshares Inc’s EPS estimate?
Highlands Bankshares Inc’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Highlands Bankshares Inc have?
Highlands Bankshares Inc has 1,308,789 shares outstanding.
What happened to Highlands Bankshares Inc’s price movement after its last earnings report?
Highlands Bankshares Inc reported an EPS of $1.563 in its last earnings report. Following the earnings report the stock price went up 0.15%.
Which hedge fund is a major shareholder of Highlands Bankshares Inc?
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
Company Description
Highlands Bankshares Inc
Highlands Bankshares, Inc. serves as the parent company for two distinct banking subsidiaries, The Grant County Bank and Capon Valley Bank. Together, these institutions deliver a wide array of financial products and services designed for both individual consumers and business enterprises. Their deposit options include diverse account types like checking, savings, money market, NOW, individual retirement, and club accounts. They also manage insured cash sweep and CDARS interest-bearing deposits, in addition to offering certificates of deposit. The company provides an extensive portfolio of lending solutions, covering both personal and commercial needs. These encompass financing for home mortgages and equity, land and lot purchases, mobile homes, automobiles, general personal and business term loans, agricultural financing, equipment acquisition, and commercial real estate. Business clients can also access lines of credit. Beyond its core banking activities, Highlands Bankshares, Inc. offers numerous supplementary services. Customers have access to debit and credit cards, Kasasa Protect, automated teller machines (ATMs), online banking with bill payment for businesses, mobile banking, CardValet, POP money, and telephone banking. Additional conveniences feature direct deposits, remote deposit capture, bank-by-mail, certified and cashier's checks, foreign currency exchange, safe deposit boxes, and wire transfer capabilities. Furthermore, the organization facilitates merchant card processing services and offers insurance products, specifically life and accident coverage. Highlands Bankshares, Inc. operates a total of twelve branch locations, with ten situated in West Virginia and two in Virginia. The company was founded in 1984 and is headquartered in Petersburg, West Virginia.
Technical Analysis
Ownership Overview
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Insiders
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Mutual Funds
1.13% Other Institutional Investors
98.87% Public Companies and
Individual Investors