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Highlands Bankshares(OTC) HBSI

Market Cap$62.82MMarket 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)+875%
5 Year+59%
1 Year+37%
1 Month+0%
$47.52
+0.52%
+0.25Today
Highlands Bankshares last closing stock price
MetricPriceDate
Last closeUSD 47.522026-08-31
Highlands Bankshares stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+0%USD 47.522026-08-10
1 month+0%USD 47.522026-07-31
3 month+5.91%USD 44.872026-06-01
Year to date+14.04%USD 41.672025-12-31
1 year+36.53%USD 34.812025-08-21
3 year+32.09%USD 35.982023-09-01
5 year+59.06%USD 29.872021-08-18
Since inception+874.54%USD 4.881995-08-10

Highlands Bankshares Financials at a Glance

Market Cap

$62.82MMarket 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)

$39.60M

Net Income (TTM)

$6.93M

EPS (TTM)

$5.26

P/E Ratio

9.13

Dividend

$1.87

Beta (Volatility)

0.05 (Low)

Price

$47.52

Volume

76

Open

$47.52

Previous Close

$47.52

Daily Range

$47.52 - $47.52

52-Week Range

$36.34 - $48.00

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 increased to $10.33 million, reflecting strong operational performance
  • Net income for Q2 2026 reached $2.06 million, showcasing profitability
  • Consistent dividend yield of approximately 3.90% indicates shareholder value focus
Financial Highlights
  • Trailing twelve months (TTM) revenue of $39.5 million demonstrates steady growth
  • Net profit margin of 17.51% indicates effective cost management
  • Price-to-earnings (P/E) ratio of 9.13 suggests potential undervaluation compared to peers
Highlands Bankshares, Inc. has established a solid foundation in the regional banking sector, with a focus on customer-centric services and a diverse product offering. The company's recent financial performance highlights its ability to generate revenue and maintain profitability, making it an attractive option for potential investors. The consistent dividend yield further emphasizes the commitment to returning value to shareholders. With a strong market presence in West Virginia and Virginia, Highlands Bankshares, Inc. is well-positioned for continued growth in the evolving financial landscape.
AI Generated • Sep 3, 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

73.46%

Operating Margin

22.52%

Net Income Margin

17.51%

Return on Equity

10.22%

Return on Capital

9.99%

Return on Assets

1.07%

Earnings Yield

10.95%

Dividend Yield

3.90%

Payout Ratio

0.00%

Stock Overview

Market Cap

$62.82MMarket 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

1.31M

Volume

76

Avg. Volume

54.688

Financials (TTM)

Gross Profit

$29.09M

Operating Income

$8.92M

EBITDA

$8.92M

Operating Cash Flow

$0.00

Capital Expenditure

$0.00

Free Cash Flow

$0.00

Cash & ST Invst.

$5.69M

Total Debt

$4.53M

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
Q32025-09-304.5%
Q42025-12-313.2%
Q12026-03-31-0.8%
Q22026-06-305.3%
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
Q32025-09-307.5%
Q42025-12-314.3%
Q12026-03-3112.5%
Q22026-06-3015.6%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q2 2026YOY CHG

Revenue

$10.33M

+12.7%

Gross Profit

$7.80M

+20.2%

Gross Margin

75.52%

N/A

Market Cap

$62.82MMarket 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

$502.58K

N/A

Employees

125

N/A

Net Income

$2.06M

+44.8%

EBITDA

$2.60M

+43.4%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

$5.69M

-19.5%

Total Debt

$4.53M

-53.0%

Accounts Receivable

$2.58M

N/A

Inventory

$0.00

N/A

Long Term Debt

$4.53M

-53.0%

Short Term Debt

$0.00

N/A

Return on Assets

1.07%

N/A

Return on Invested Capital

1.37%

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 $47.52 per share.

What is the 52-week range for Highlands Bankshares?

Over the past 52 weeks, Highlands Bankshares has traded between $36.34 and $48.00.

How much debt does Highlands Bankshares have?

As of the most recent reporting period, Highlands Bankshares reported total debt of $4.53M.

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 3.90%.

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