Highlands Bankshares, Inc. (HBSI)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 18 | 22 | 22 | 20 | 33 | 28 | 30 | - |
| Operating profit | $m | 8 | 9 | ||||||
| Net profit | $m | 3 | 5 | 4 | 4 | 5 | 6 | 7 | - |
| EPS reported | $ | 4.47 | 5.26 | ||||||
| Operating cashflow per share | $ | 4.81 | 0.00 | ||||||
| Capex per share | $ | 1.70 | 0.00 | ||||||
| FCF per share | $ | 3.11 | 0.00 | ||||||
| Free cash flow | $m | 4 | 0 | ||||||
| Net debt | $m | -14 | -1 | ||||||
| Book value equity | $m | 68 | 70 | ||||||
| Book value per share | $ | 51.26 | 52.78 | ||||||
| Number of shares | m | 1.32 | 1.32 | ||||||
| DPS (TTM paid) | $ | 1.80 | 1.87 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 9.62 | 10.02 | ||||||
| P/B LTM | x | 0.84 | 0.81 | ||||||
| P/S LTM | x | 2.04 | 1.89 | ||||||
| P/FCF LTM | x | 13.82 | 0.00 | ||||||
| EV/EBITDA LTM | x | 7.10 | 6.79 | ||||||
| EV/Sales LTM | x | 1.62 | 1.76 | ||||||
| Earnings Yield LTM | % | +10.40% | +9.98% | ||||||
| FCF Yield | % | +7.23% | 0.00% | ||||||
| Quality | |||||||||
| ROE | % | +8.73% | +9.48% | ||||||
| ROIC | % | +0.93% | +0.99% | ||||||
| Operating margin | % | +20.48% | +21.15% | ||||||
| Gross margin | % | +71.35% | +72.27% | ||||||
| FCF/Sales | % | +11.00% | 0.00% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +23.14% | +44.90% | ||||||
| Sales Growth YoY | % | -16.90% | -10.05% | ||||||
| Net Income Growth YoY | % | +21.68% | +42.88% | ||||||
| FCF Growth | % | +48.14% | -100.00% | ||||||
| Operating Profit Growth | % | -13.12% | +1.43% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +4.20% | +3.85% | ||||||
| Dividend Growth | % | +7.14% | +11.31% | ||||||
| Payout Ratio | % | +40.42% | +40.37% | ||||||
| FCF/Debt | x | 0.46 | 0.00 | ||||||
| Net Debt/EBITDA | x | 0.45 | 0.49 | ||||||
| EBIT/Net interest | x | 0.80 | 1.13 | ||||||
| Net debt/market cap | % | +15.58% | +13.22% | ||||||
| Net debt/Equity | x | -0.20 | -0.02 | ||||||
| Gross debt/equity | x | 0.13 | 0.06 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
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.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Highlands Bankshares, Inc. (HBSI)
No price history available.
Not enough data to calculate KvantraRank
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
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.
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