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Highlands Bankshares Inc (HBSI)
OTHER OTC:HBSI
US Market
HBSI
Highlands Bankshares
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Highlands Bankshares (HBSI) Ratios

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Highlands Bankshares Ratios

HBSI's free cash flow for Q2 2026 was $0.76. For the 2026 fiscal year, HBSI's free cash flow was decreased by $ and operating cash flow was $0.25. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 0.00 3.37 0.11 0.13 0.18
Quick Ratio
 0.00 3.37 0.11 0.13 0.18
Cash Ratio
 0.00 0.68 0.04 0.04 0.11
Solvency Ratio
 0.01 0.01 <0.01 >-0.01 0.01
Operating Cash Flow Ratio
 0.00 0.86 0.02 0.02 0.03
Short-Term Operating Cash Flow Coverage
 0.00 0.86 0.39 0.34 0.46
Net Current Asset Value
$ -571.34M$ -540.23M$ -491.18M$ -464.09M$ -434.99M
Leverage Ratios
Debt-to-Assets Ratio
 <0.01 0.01 0.02 0.02 0.02
Debt-to-Equity Ratio
 0.06 0.13 0.23 0.21 0.22
Debt-to-Capital Ratio
 0.06 0.12 0.19 0.18 0.18
Long-Term Debt-to-Capital Ratio
 0.06 0.02 0.15 0.18 0.18
Financial Leverage Ratio
 9.32 9.35 9.47 9.89 9.60
Debt Service Coverage Ratio
 0.73 0.40 0.35 -0.08 0.44
Interest Coverage Ratio
 0.94 0.80 0.00 14.74 52.62
Debt to Market Cap
 0.07 0.16 0.55 0.53 0.42
Interest Debt Per Share
 10.65 13.91 10.41 9.26 9.09
Net Debt to EBITDA
 -0.13 0.45 0.66 -7.64 -1.65
Profitability Margins
Gross Profit Margin
73.46%71.35%71.19%131.62%103.66%
EBIT Margin
22.52%20.48%17.80%20.64%25.44%
EBITDA Margin
22.52%22.89%17.80%-2.58%29.64%
Operating Profit Margin
22.52%20.48%26.29%33.33%35.49%
Pretax Profit Margin
22.52%20.48%17.80%20.64%25.44%
Net Profit Margin
17.51%15.83%14.51%17.18%20.04%
Continuous Operations Profit Margin
17.51%15.83%14.51%17.18%20.04%
Net Income Per EBT
77.74%77.30%81.51%83.26%78.79%
EBT Per EBIT
100.00%100.00%67.71%61.92%71.66%
Return on Assets (ROA)
1.07%0.93%0.84%0.65%0.84%
Return on Equity (ROE)
10.22%8.73%7.92%6.41%8.05%
Return on Capital Employed (ROCE)
1.37%1.22%2.65%2.12%2.44%
Return on Invested Capital (ROIC)
1.07%0.93%1.92%1.68%1.86%
Return on Tangible Assets
1.07%0.94%0.84%0.65%0.84%
Earnings Yield
11.35%10.41%11.06%6.91%7.69%
Efficiency Ratios
Receivables Turnover
 15.35 15.43 0.00 0.00 0.00
Payables Turnover
 0.00 0.00 0.00 0.00 0.00
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 2.46 2.49 2.45 1.73 1.94
Asset Turnover
 0.06 0.06 0.06 0.04 0.04
Working Capital Turnover Ratio
 5.19 -0.37 -0.16 -0.11 -0.13
Cash Conversion Cycle
 23.78 23.66 0.00 0.00 0.00
Days of Sales Outstanding
 23.78 23.66 0.00 0.00 0.00
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 0.00 0.00 0.00 0.00 0.00
Operating Cycle
 23.78 23.66 0.00 0.00 0.00
Cash Flow Ratios
Operating Cash Flow Per Share
 0.00 4.81 4.03 3.94 4.11
Free Cash Flow Per Share
 0.00 3.11 2.07 2.87 3.64
CapEx Per Share
 0.00 1.70 1.95 1.07 0.47
Free Cash Flow to Operating Cash Flow
 0.00 0.65 0.51 0.73 0.89
Dividend Paid and CapEx Coverage Ratio
 0.00 1.37 1.11 1.39 1.81
Capital Expenditure Coverage Ratio
 0.00 2.83 2.06 3.68 8.78
Operating Cash Flow Coverage Ratio
 0.00 0.72 0.39 0.44 0.46
Operating Cash Flow to Sales Ratio
 0.00 0.17 0.16 0.25 0.25
Free Cash Flow Yield
0.00%7.23%6.32%7.45%8.46%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 8.80 9.62 9.04 14.47 13.00
Price-to-Sales (P/S) Ratio
 1.56 1.52 1.31 2.49 2.60
Price-to-Book (P/B) Ratio
 0.88 0.84 0.72 0.93 1.05
Price-to-Free Cash Flow (P/FCF) Ratio
 0.00 13.82 15.83 13.42 11.82
Price-to-Operating Cash Flow Ratio
 0.00 8.94 8.15 9.78 10.47
Price-to-Earnings Growth (PEG) Ratio
 0.33 0.42 0.25 -0.74 -1.26
Enterprise Value Multiple
 6.81 7.10 8.03 -103.84 7.14
Enterprise Value
 60.76M 60.59M 47.82M 55.56M 46.76M
EV to EBITDA
 6.81 7.10 8.03 -103.84 7.14
EV to Sales
 1.53 1.62 1.43 2.68 2.12
EV to Free Cash Flow
 0.00 14.76 17.26 14.49 9.60
EV to Operating Cash Flow
 0.00 9.55 8.88 10.55 8.51
Tangible Book Value Per Share
 51.62 50.09 44.68 40.37 39.99
Shareholders’ Equity Per Share
 52.78 51.26 45.84 41.53 41.16
Tax and Other Ratios
Effective Tax Rate
 0.22 0.23 0.18 0.17 0.21
Revenue Per Share
 30.02 28.27 25.02 15.48 16.52
Net Income Per Share
 5.26 4.47 3.63 2.66 3.31
Tax Burden
 0.78 0.77 0.82 0.83 0.79
Interest Burden
 1.00 1.00 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.30 0.28 0.45 0.17 0.15
Stock-Based Compensation to Revenue
 0.00 0.00 0.00 0.00 0.00
Income Quality
 0.00 1.07 1.11 1.48 1.24
Currency in USD