What is Highlands Bankshares, Inc. (HBSI) stock price today?

Highlands Bankshares, Inc. (HBSI) is currently trading at $48.00, up 0.52% today.

What is HBSI P/E ratio?

Highlands Bankshares, Inc.'s P/E ratio is 10.06. This is below the market average, suggesting the stock may be undervalued relative to earnings.

What is HBSI return on equity (ROE)?

Highlands Bankshares, Inc.'s return on equity (ROE) is 9.48%, indicating how efficiently the company generates profit from shareholders' equity. This is below the typical market average of 12-15%.

What is Highlands Bankshares, Inc.'s market cap?

Highlands Bankshares, Inc. has a market capitalization of $64.18M.

OTC · Banks - Regional

Highlands Bankshares, Inc. (HBSI) Stock

$48.00 +0.52% OTC: HBSI Financial Services

Highlands Bankshares, Inc. serves as the parent company for two distinct banking subsidiaries, The Grant County Bank and Capon Valley Bank.

Valuation

Metric	Value
Price	$48.00
Market Cap	$64.18M
P/E Ratio	10.06
P/B Ratio	0.92
P/S Ratio	1.67
EPS (TTM)	$4.77
52-Week High	$48.00
52-Week Low	$34.85
Dividend Yield	4.00%

Financials & Margins

Metric	Value
ROE	9.48%
ROA	0.99%
ROCE	1.28%
Gross Margin	72.27%
Operating Margin	21.15%
Net Margin	16.38%
Debt/Equity	0.12
Current Ratio	3.57

Annual Financials (USD)

Metric	2021	2022	2023	2024	2025
Revenue	$22.0M	$22.0M	$21.0M	$33.0M	$37.0M
Operating Profit	$8.0M	$8.0M	$7.0M	$9.0M	$8.0M
Net Profit	$5.0M	$4.0M	$4.0M	$5.0M	$6.0M
EPS	$3.69	$3.31	$2.66	$3.63	$4.47
Op Margin	37.5%	35.5%	33.3%	26.3%	20.5%

Balance Sheet (USD)

Metric	2021	2022	2023	2024	2025
Total Assets	$519.0M	$528.0M	$549.0M	$580.0M	$633.0M
Total Liabilities	$460.0M	$473.0M	$493.0M	$519.0M	$565.0M
Cash	$22.0M	$23.0M	$8.0M	$10.0M	$5.0M
Borrowings	$5.0M	$12.0M	$12.0M	$14.0M	$9.0M

Cash Flow (USD)

Metric	2021	2022	2023	2024	2025
Operating Cash Flow	$6.0M	$5.0M	$5.0M	$5.0M	$6.0M
Investing Cash Flow	$-47.0M	$-20.0M	$-25.0M	$-32.0M	$-51.0M
Financing Cash Flow	$43.0M	$9.0M	$18.0M	$27.0M	$50.0M
Net Cash Flow	$-1.0M	$-1.0M	$1.0M	$-1.0M	$0
Free Cash Flow	$6.0M	$5.0M	$4.0M	$3.0M	$4.0M

Valuation & Return Ratios

Metric	Value
PEG Ratio	0.52
EV / EBITDA	—
FCF Yield	—
Quick Ratio	—
Interest Coverage	—
Return 1Y	41.75%
Return 3Y	31.77%
Return 5Y	—

Ownership

Insiders Held0.00%

Institutions Held0.00%

Institutions Float Held0.00%

Peer Comparison

Ticker	Price	Change	P/E	Market Cap	Div Yield
CBAFCITBA Financial Corporation	$38.65	+0.35%	9.22	$58.82M	2.69%
CCBCChino Commercial Bancorp	$17.70	-0.28%	9.27	$56.85M	0.00%
EQFNEquitable Financial Corp.	$18.25	-0.82%	11.48	$60.55M	0.00%
FBVIFCN Banc Corp.	$37.05	+0.14%	8.22	$63.81M	3.89%
FMFGFarmers and Merchants Bancshares, Inc.	$19.01	+0.00%	17.77	$61.51M	3.79%

About Highlands Bankshares, Inc.

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.

Highlands Bankshares, Inc. is headquartered in US.

Highlands Bankshares, Inc. (HBSI) stock trades at $48.00 with a market capitalization of $64.18M. The stock is valued at a price-to-earnings (P/E) ratio of 10.06, price-to-book of 0.92, price-to-sales of 1.67. Over the past 52 weeks the stock has ranged between $34.85 and $48.00, and currently trades at its 52-week high. It pays a dividend yielding 4.00%.

On profitability, Highlands Bankshares, Inc. generates a return on equity (ROE) of 9.48%, return on capital employed of 1.28%, an operating margin of 21.15%, a net profit margin of 16.38%.

Official website: www.highlandsbankshares.com