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Highlands Bankshares (HBSI) Ratios
Highlands Bankshares Ratios
HBSI's free cash flow for Q2 2026 was $0.00. For the 2026 fiscal year, HBSI's free cash flow was increased by $0.00 and operating cash flow was $0.00. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 3.37 | 0.11 | 0.13 | 0.18 | 0.24 |
| Quick Ratio | 3.37 | 0.11 | 0.13 | 0.18 | 0.24 |
| Cash Ratio | 0.68 | 0.04 | 0.04 | 0.11 | 0.11 |
| Solvency Ratio | 0.01 | 0.01 | -0.00 | 0.01 | 0.01 |
| Operating Cash Flow Ratio | 0.86 | 0.02 | 0.02 | 0.03 | 0.03 |
| Short-Term Operating Cash Flow Coverage | 0.86 | 0.39 | 0.34 | 0.46 | 4.14 |
| Net Current Asset Value | $ -540.23M | $ -491.18M | $ -464.09M | $ -434.99M | $ -409.12M |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.01 | 0.02 | 0.02 | 0.02 | 0.01 |
| Debt-to-Equity Ratio | 0.13 | 0.23 | 0.21 | 0.22 | 0.09 |
| Debt-to-Capital Ratio | 0.12 | 0.19 | 0.18 | 0.18 | 0.08 |
| Long-Term Debt-to-Capital Ratio | 0.02 | 0.15 | 0.18 | 0.18 | 0.06 |
| Financial Leverage Ratio | 9.35 | 9.47 | 9.89 | 9.60 | 8.74 |
| Debt Service Coverage Ratio | 0.40 | 0.35 | -0.08 | 0.44 | 3.39 |
| Interest Coverage Ratio | 0.80 | 0.00 | 14.74 | 52.62 | 45.60 |
| Debt to Market Cap | 0.16 | 0.55 | 0.53 | 0.42 | 0.09 |
| Interest Debt Per Share | 13.91 | 10.41 | 9.26 | 9.09 | 4.01 |
| Net Debt to EBITDA | 0.45 | 0.66 | -7.64 | -1.65 | -2.36 |
| Profitability Margins | |||||
| Gross Profit Margin | 71.35% | 71.19% | 131.62% | 103.66% | 109.27% |
| EBIT Margin | 20.48% | 17.80% | 20.64% | 25.44% | 28.85% |
| EBITDA Margin | 22.89% | 17.80% | -2.58% | 29.64% | 33.20% |
| Operating Profit Margin | 20.48% | 26.29% | 33.33% | 35.49% | 37.49% |
| Pretax Profit Margin | 20.48% | 17.80% | 20.64% | 25.44% | 28.85% |
| Net Profit Margin | 15.83% | 14.51% | 17.18% | 20.04% | 22.67% |
| Continuous Operations Profit Margin | 15.83% | 14.51% | 17.18% | 20.04% | 22.67% |
| Net Income Per EBT | 77.30% | 81.51% | 83.26% | 78.79% | 78.57% |
| EBT Per EBIT | 100.00% | 67.71% | 61.92% | 71.66% | 76.95% |
| Return on Assets (ROA) | 0.93% | 0.84% | 0.65% | 0.84% | 0.95% |
| Return on Equity (ROE) | 8.73% | 7.92% | 6.41% | 8.05% | 8.30% |
| Return on Capital Employed (ROCE) | 1.22% | 2.65% | 2.12% | 2.44% | 2.63% |
| Return on Invested Capital (ROIC) | 0.93% | 1.92% | 1.68% | 1.86% | 2.06% |
| Return on Tangible Assets | 0.94% | 0.84% | 0.65% | 0.84% | 0.95% |
| Earnings Yield | 10.41% | 11.06% | 6.91% | 7.69% | 8.39% |
| Efficiency Ratios | |||||
| Receivables Turnover | 15.43 | 0.00 | 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 | 2.49 | 2.45 | 1.73 | 1.94 | 1.86 |
| Asset Turnover | 0.06 | 0.06 | 0.04 | 0.04 | 0.04 |
| Working Capital Turnover Ratio | -0.37 | -0.16 | -0.11 | -0.13 | -0.15 |
| Cash Conversion Cycle | 23.66 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Sales Outstanding | 23.66 | 0.00 | 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 | 23.66 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 4.81 | 4.03 | 3.94 | 4.11 | 4.82 |
| Free Cash Flow Per Share | 3.11 | 2.07 | 2.87 | 3.64 | 4.63 |
| Dividend Paid and CapEx Coverage Ratio | 1.37 | 1.11 | 1.39 | 1.81 | 2.59 |
| Capital Expenditure Coverage Ratio | 2.83 | 2.06 | 3.68 | 8.78 | 24.88 |
| Operating Cash Flow Coverage Ratio | 0.72 | 0.39 | 0.44 | 0.46 | 1.24 |
| Operating Cash Flow to Sales Ratio | 0.17 | 0.16 | 0.25 | 0.25 | 0.30 |
| Free Cash Flow Yield | 7.23% | 6.32% | 7.45% | 8.46% | 10.51% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 9.62 | 9.04 | 14.47 | 13.00 | 11.92 |
| Price-to-Sales (P/S) Ratio | 1.52 | 1.31 | 2.49 | 2.60 | 2.70 |
| Price-to-Book (P/B) Ratio | 0.84 | 0.72 | 0.93 | 1.05 | 0.99 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 13.82 | 15.83 | 13.42 | 11.82 | 9.51 |
| Price-to-Operating Cash Flow Ratio | 8.94 | 8.15 | 9.78 | 10.47 | 9.13 |
| Price-to-Earnings Growth (PEG) Ratio | 0.42 | 0.25 | -0.74 | -1.26 | 0.25 |
| Enterprise Value Multiple | 7.10 | 8.03 | -103.84 | 7.14 | 5.77 |
| Enterprise Value | 60.59M | 47.82M | 55.56M | 46.76M | 41.73M |
| EV to EBITDA | 7.10 | 8.03 | -103.84 | 7.14 | 5.77 |
| EV to Sales | 1.62 | 1.43 | 2.68 | 2.12 | 1.92 |
| EV to Free Cash Flow | 14.76 | 17.26 | 14.49 | 9.60 | 6.75 |
| EV to Operating Cash Flow | 9.55 | 8.88 | 10.55 | 8.51 | 6.48 |
| Tangible Book Value Per Share | 50.09 | 44.68 | 40.37 | 39.99 | 43.27 |
| Shareholders’ Equity Per Share | 51.26 | 45.84 | 41.53 | 41.16 | 44.45 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.23 | 0.18 | 0.17 | 0.21 | 0.21 |
| Revenue Per Share | 28.27 | 25.02 | 15.48 | 16.52 | 16.29 |
| Net Income Per Share | 4.47 | 3.63 | 2.66 | 3.31 | 3.69 |
| Tax Burden | 0.77 | 0.82 | 0.83 | 0.79 | 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 | 0.28 | 0.45 | 0.17 | 0.15 | 0.14 |
| Stock-Based Compensation to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Income Quality | 1.07 | 1.11 | 1.48 | 1.24 | 1.31 |
Currency in USD
