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Highlands Bankshares(OTC) HBSI

Current Price$47.75
Market Cap$63.84MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (1995)+869%
5 Year+60%
1 Year+43%
1 Month+7%
Highlands Bankshares last closing stock price
MetricPriceDate
Last closeUSD 47.752026-07-22
Highlands Bankshares stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+2.69%USD 46.502026-07-15
1 month+6.82%USD 44.702026-06-18
3 month+7.21%USD 44.542026-04-23
Year to date+13.44%USD 42.092025-12-31
1 year+42.85%USD 33.432025-07-16
3 year+28.79%USD 37.082023-07-17
5 year+60.04%USD 29.842021-07-22
Since inception+869.46%USD 4.931995-08-10

Highlands Bankshares Financials at a Glance

Market Cap

$63.84MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$38.44M

Net Income (TTM)

$6.30M

EPS (TTM)

$4.77

P/E Ratio

10.02

Dividend

$1.39

Beta (Volatility)

0.05 (Low)

Price

$47.75

Volume

200

Open

$47.65

Previous Close

$47.75

Daily Range

$47.65 - $47.75

52-Week Range

$34.72 - $47.75

Estimated Earnings Date

Mar 30, 2026

HBSI News

No articles available.

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About Highlands Bankshares

Highlands Bankshares, Inc. operates as the parent company for The Grant County Bank and Capon Valley Bank, providing a comprehensive range of financial products and services. The company focuses on serving both individual consumers and business enterprises through its banking subsidiaries.

Products and Services
  • Diverse deposit options including checking, savings, and retirement accounts
  • Comprehensive lending solutions for personal and commercial needs
  • Supplementary services such as online banking, debit and credit cards, and insurance products
Growth Outlook
  • Recent quarterly revenue reached $9.8 million, indicating strong operational performance
  • Trailing twelve months (TTM) net income of $6.5 million reflects consistent profitability
  • Dividend yield of 4.09% suggests attractive returns for investors
Financial Highlights
  • Net income for Q1 2026 was $1.78 million, up from $1.58 million in Q4 2025
  • Operating income margin improved to 23.06% in Q1 2026
  • Price-to-earnings (P/E) ratio stands at 9.43, indicating potential value
Highlands Bankshares, Inc. has established a solid foundation in the regional banking sector, with a focus on customer-centric services. The company’s diverse product offerings cater to a wide range of financial needs, enhancing its appeal to both individual and business clients. Recent financial performance demonstrates a positive trajectory, with increasing revenues and net income, which may attract potential investors looking for stability and growth in the banking industry. The attractive dividend yield further enhances the investment proposition, making Highlands Bankshares, Inc. a noteworthy consideration for those interested in regional banking opportunities.
AI Generated • Jul 4, 2026

Industry

Banks

Sector

Financials

CEO

Jack H. Walters

Website

highlandsbankshares.com

Headquarters

Petersburg, WV 26847, US

HBSI Financials

Key Financial Metrics (TTM)

Gross Margin

72.27%

Operating Margin

21.15%

Net Income Margin

16.38%

Return on Equity

9.48%

Return on Capital

9.99%

Return on Assets

0.99%

Earnings Yield

9.98%

Dividend Yield

2.91%

Payout Ratio

0.00%

Stock Overview

Market Cap

$63.84MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

1.34M

Volume

200

Avg. Volume

144.548

Financials (TTM)

Gross Profit

$27.78M

Operating Income

$8.13M

EBITDA

$8.13M

Operating Cash Flow

$0.00

Capital Expenditure

$0.00

Free Cash Flow

$0.00

Cash & ST Invst.

$4.47M

Total Debt

$8.44M

Highlands Bankshares Performance Analysis

Highlands Bankshares annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 22,900,000-3.7%
20232023-12-31USD 27,245,00019.0%
20242024-12-31USD 33,442,00022.7%
20252025-12-31USD 37,306,00011.6%
Highlands Bankshares sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-305.6%
Q32025-09-304.5%
Q42025-12-313.2%
Q12026-03-31-0.8%
Highlands Bankshares annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 3.31-10.3%
20232023-12-31USD 2.66-19.7%
20242024-12-31USD 3.6336.4%
20252025-12-31USD 4.4723.3%
Highlands Bankshares sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-302.9%
Q32025-09-307.5%
Q42025-12-314.3%
Q12026-03-3112.5%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q1 2026YOY CHG

Revenue

$9.81M

+13.0%

Gross Profit

$7.38M

+18.7%

Gross Margin

75.27%

N/A

Market Cap

$63.84MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$510.73K

N/A

Employees

125

N/A

Net Income

$1.78M

+28.3%

EBITDA

$2.26M

+27.8%

Quarterly Fundamentals

Name
Q1 2026YOY CHG

Total Cash

$4.47M

-26.8%

Total Debt

$8.44M

-37.6%

Accounts Receivable

$2.51M

N/A

Inventory

$0.00

N/A

Long Term Debt

$8.44M

-37.6%

Short Term Debt

$0.00

N/A

Return on Assets

0.99%

N/A

Return on Invested Capital

1.28%

N/A

Free Cash Flow

$0.00

N/A

Operating Cash Flow

$0.00

N/A

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Questions About HBSI

What is the current price of Highlands Bankshares?

Highlands Bankshares is trading at $47.75 per share.

What is the 52-week range for Highlands Bankshares?

Over the past 52 weeks, Highlands Bankshares has traded between $34.72 and $47.75.

How much debt does Highlands Bankshares have?

As of the most recent reporting period, Highlands Bankshares reported total debt of $8.44M.

How much cash does Highlands Bankshares have on hand?

Highlands Bankshares does not have cash on hand data available.

What is Highlands Bankshares’s dividend yield?

Highlands Bankshares currently has a dividend yield of 2.91%.

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