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Highlands Bankshares (HBSI) AI Stock Analysis
Highlands Bankshares
(Other OTC:HBSI)
The score is driven primarily by solid financial performance, with growing revenue, earnings, equity, and dependable cash flow. Valuation is also favorable, while technicals are positive but only moderate, keeping the overall score in the low-70s.
Highlands Bankshares (HBSI) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $64.58M
- Dividend Yield
- 3.88%
- Average Volume (3M)
- 345
- Price to Earnings (P/E)
- 9.3
- Beta (1Y)
- -0.01
- Revenue Growth
- 12.21%
- EPS Growth
- 26.39%
- Country
- US
- Employees
- 125
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
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 individ...
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 consumers...
Highlands Bankshares Financial Statement Overview
Summary
Strong overall fundamentals: revenue and net income have grown steadily, equity has expanded to support a larger asset base, and cash generation remains reliable. Minor volatility in EBITDA and past free-cash-flow dips keep the score below the top tier.
Income Statement
82Very PositiveBalance Sheet
78PositiveCash Flow
75Positive| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 39.60M | 37.31M | 33.44M | 20.70M | 22.09M | 21.77M |
| Gross Profit | 29.09M | 26.62M | 23.81M | 27.25M | 22.90M | 23.79M |
| EBITDA | 8.92M | 8.54M | 5.95M | 5.20M | 6.55M | 7.23M |
| Net Income | 6.93M | 5.91M | 4.85M | 3.56M | 4.43M | 4.93M |
Balance Sheet | ||||||
| Total Assets | 649.25M | 632.68M | 580.33M | 549.01M | 528.25M | 519.34M |
| Cash, Cash Equivalents and Short-Term Investments | 5.69M | 22.39M | 9.98M | 7.83M | 22.78M | 22.27M |
| Total Debt | 4.53M | 8.84M | 13.92M | 11.91M | 12.00M | 5.18M |
| Total Liabilities | 579.61M | 565.04M | 519.05M | 493.49M | 473.22M | 459.92M |
| Stockholders Equity | 69.64M | 67.64M | 61.28M | 55.52M | 55.02M | 59.42M |
Cash Flow | ||||||
| Free Cash Flow | 0 | 4.11M | 2.77M | 3.83M | 4.87M | 6.18M |
| Operating Cash Flow | 0 | 6.35M | 5.38M | 5.26M | 5.50M | 6.44M |
| Investing Cash Flow | 0 | -48.65M | -29.70M | -23.33M | -19.35M | -46.95M |
| Financing Cash Flow | 0 | 42.81M | 23.30M | 18.76M | 13.33M | 39.61M |
Highlands Bankshares Technical Analysis
Price Trends
Market Momentum
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 49.00 is above the 20-day moving average (MA) of 46.72, above the 50-day MA of 46.65, and above the 200-day MA of 44.93, indicating a bullish trend. The MACD of 0.42 indicates Negative momentum. The RSI at 86.02 is Negative, neither overbought nor oversold. The STOCH value of 83.33 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for HBSI.
Highlands Bankshares Peers Comparison
Overall Rating
- HBSI73Outperform
ASRV70Outperform
CLST68Neutral
TCBS65Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| HBSI | 73Outperform | $64.13M | 9.31 | 10.22% | 3.88% | 12.21% | 26.39% |
| ASRV | 70Outperform | $83.42M | 9.14 | 7.48% | 2.44% | 2.43% | 75.47% |
| CLST | 68Neutral | $69.99M | 24.10 | 3.06% | ― | 31.73% | 17.80% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| TCBS | 65Neutral | $49.87M | 14.34 | 6.14% | 1.44% | 5.94% | 51.02% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| HBSI | Highlands Bankshares | 49.00 | 11.10 | 29.29% | |
| ASRV | AmeriServ Financial, Inc. | 4.91 | 1.88 | 62.15% | |
| TCBS | Texas Community Bancshares, Inc. | 17.36 | 1.70 | 10.83% | |
| CLST | Catalyst Bancorp, Inc. | 17.35 | 3.10 | 21.75% |
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.
Date of analysis: Aug 04, 2026