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HBSI Stock Chart & Stats
$48.00
$0.25(0.52%)
At close: 4:00 PM EDT
$48.00
$0.25(0.52%)
Day’s Range― - ―
52-Week Range$35.01 - $52.00
Previous CloseN/A
Volume100.00
Average Volume (3M)371.00
Market Cap
$64.94M
Enterprise Value$63.99
Total Cash (Recent Filing)$4.49M
Total Debt (Recent Filing)$13.92M
Price to Earnings (P/E)10.1
Beta0.04
Next Earnings
Oct 13, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield3.73%
Share Statistics
EPS (TTM)1.19
Shares Outstanding1,337,000
10 Day Avg. Volume174
30 Day Avg. Volume371
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
Top-line GrowthConsistent, large revenue growth from ~$20.7M (2023) to ~$37.3M (2025) indicates durable top-line momentum. Sustained revenue expansion increases scale, supports net interest and fee income diversification, improves operating leverage and underpins longer-term profitability.
Conservative Capital StructureLow leverage (debt-to-equity ~0.21–0.23) with steadily growing equity (~$67.6M) provides a meaningful capital buffer. This conservative structure supports lending capacity, regulatory resilience, and the ability to absorb credit stress while funding measured growth without urgent external capital needs.
Positive Cash GenerationOperating cash flow rising to ~$6.3M and FCF ~ $4.1M in 2025 shows durable cash conversion ability. Reliable cash generation supports dividends, organic lending expansion and reinvestment, and reduces reliance on external funding over the medium term despite some prior variability.
Bears Say
Profitability VolatilityEarnings show signs of volatility (negative EBITDA in 2023 despite positive net income) and unclear margin consistency. Such variability complicates long-term forecasting, may reflect sensitivity to non-core items or expense swings, and can hinder consistent ROE improvement.
Earnings-to-Cash Conversion VariabilityFCF declines across 2022–2024 and FCF being ~50% of net income in 2024 point to uneven earnings-to-cash conversion. Persistent conversion gaps reduce flexibility for credit growth, capital spending or consistent dividends and raise sensitivity to working capital and accrual adjustments.
Moderate Return On EquityROE around ~8–9% is improving but remains moderate, indicating only fair capital efficiency. Over time, this limits excess shareholder returns versus higher-performing peers and means the bank must sustain growth or raise margins to materially enhance long-term value creation.
HBSI FAQ
What was Highlands Bankshares Inc’s price range in the past 12 months?
Highlands Bankshares Inc lowest stock price was $35.01 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 $64.94M.
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 72 days.
How were Highlands Bankshares Inc’s earnings last quarter?
Currently, no data Available
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 3.73%. 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 1,337,000 shares outstanding.
What happened to Highlands Bankshares Inc’s price movement after its last earnings report?
Currently, no data Available
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
1.10% Other Institutional Investors
98.90% Public Companies and
Individual Investors