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Highlands Bankshares
(OTC:HBSI)
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Rating:77Outperform
Price Target:
$55.00
▲(17.72% Upside)
Action:Reiterated
Date:08/04/26
The score is driven primarily by solid financial performance (strong growth and conservative leverage) and supportive technical momentum (price above key moving averages with positive MACD). Valuation also contributes positively with a low P/E and a healthy dividend yield, partially offset by near-overbought RSI.
Positive Factors
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.
Negative Factors
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.
Read all positive and negative factors
Positive Factors
Negative Factors
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.
Read all positive factors
Highlands Bankshares (HBSI) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$61.15M
Dividend Yield3.88%
Average Volume (3M)0.00
Price to Earnings (P/E)9.1
Beta (1Y)<0.01
Revenue Growth12.21%
EPS Growth26.35%
CountryUS
Employees125
SectorFinancial
Sector Strength70
IndustryBanks - Regional
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
Highlands Bankshares Business Overview & Revenue Model
Company Description
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 indi...
How the Company Makes Money
HBSI primarily makes money through its banking subsidiary by earning (1) net interest income and (2) noninterest income. Net interest income is generated from the spread between interest earned on interest-earning assets (primarily loans to consum...
Highlands Bankshares Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
74
Positive
Cash Flow
70
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 9.09M | 37.31M | 33.44M | 20.70M | 22.09M | 21.77M |
| Gross Profit | 6.47M | 26.62M | 23.81M | 27.25M | 22.90M | 23.79M |
| EBITDA | 1.81M | 8.54M | 5.95M | 5.20M | 6.55M | 7.23M |
| Net Income | 1.59M | 5.91M | 4.85M | 3.56M | 4.43M | 4.93M |
Balance Sheet | ||||||
| Total Assets | 580.33M | 632.68M | 580.33M | 549.01M | 528.25M | 519.34M |
| Cash, Cash Equivalents and Short-Term Investments | 4.49M | 22.39M | 9.98M | 7.83M | 22.78M | 22.27M |
| Total Debt | 13.92M | 8.84M | 13.92M | 11.91M | 12.00M | 5.18M |
| Total Liabilities | 519.05M | 565.04M | 519.05M | 493.49M | 473.22M | 459.92M |
| Stockholders Equity | 61.28M | 67.64M | 61.28M | 55.52M | 55.02M | 59.42M |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 4.11M | 2.77M | 3.83M | 4.87M | 6.18M |
| Operating Cash Flow | 0.00 | 6.35M | 5.38M | 5.26M | 5.50M | 6.44M |
| Investing Cash Flow | 0.00 | -48.65M | -29.70M | -23.33M | -19.35M | -46.95M |
| Financing Cash Flow | 0.00 | 42.81M | 23.30M | 18.76M | 13.33M | 39.61M |
Highlands Bankshares Technical Analysis
Positive
46.72
Price Trends
46.49
Positive
45.55
Positive
44.22
Positive
Market Momentum
0.01
Positive
50.03
Neutral
49.80
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HBSI, the sentiment is Positive. The current price of 46.72 is above the 20-day moving average (MA) of 46.72, above the 50-day MA of 46.49, and above the 200-day MA of 44.22, indicating a bullish trend. The MACD of 0.01 indicates Positive momentum. The RSI at 50.03 is Neutral, neither overbought nor oversold. The STOCH value of 49.80 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for HBSI.
Highlands Bankshares Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
77 Outperform | $61.15M | 9.13 | 10.22% | 3.88% | 12.21% | 26.35% | |
73 Outperform | $85.92M | 9.97 | 7.13% | 2.37% | 4.91% | 127.20% | |
68 Neutral | $71.84M | 31.25 | 2.47% | ― | 0.82% | -2.26% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | $50.27M | 14.58 | 6.14% | 1.31% | 5.94% | 51.02% |
* Financial Sector Average
HBSI
Highlands Bankshares
46.73
10.67
29.59%
ASRV
Ameriserv Financial
5.06
2.29
82.94%
FSEA
First Seacoast Bancorp
17.19
5.52
47.38%
TCBS
Texas Community
17.50
1.55
9.72%
CLST
Catalyst Bancorp
17.81
4.80
36.89%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.