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Highlands Bankshares(OTC) HBSI

Market Cap$64.18MMarket 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+41%
1 Month+4%
$47.52
+0.52%
+0.25Today
Highlands Bankshares last closing stock price
MetricPriceDate
Last closeUSD 47.522026-08-10
Highlands Bankshares stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+0%USD 47.522026-07-31
1 month+4.35%USD 45.542026-07-10
3 month+5.49%USD 45.052026-05-08
Year to date+14.04%USD 41.672025-12-31
1 year+41.47%USD 33.592025-08-05
3 year+30.36%USD 36.452023-08-11
5 year+59.06%USD 29.872021-08-10
Since inception+874.54%USD 4.881995-08-10

Highlands Bankshares Financials at a Glance

Market Cap

$64.18MMarket 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

10.07

Dividend

$1.87

Beta (Volatility)

0.05 (Low)

Price

$47.52

Volume

22

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 across West Virginia and Virginia.

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 $7.1 million reflects consistent profitability
  • Dividend yield of approximately 3.9% showcases commitment to returning value to shareholders
Financial Highlights
  • Net income for Q1 2026 was $1.775 million, up from $1.579 million in Q4 2025
  • Operating income margin improved to 23% in Q1 2026, demonstrating operational efficiency
  • Price-to-earnings (P/E) ratio stands at 10.06, suggesting potential value for investors
Highlands Bankshares, Inc. has established a solid foundation in the regional banking sector, with a focus on customer-centric services and a diverse product portfolio. The company's recent financial performance indicates a positive trajectory, with increasing revenues and profitability. The commitment to shareholder returns through dividends further enhances its appeal to potential investors. With a stable market presence and a strategic approach to growth, Highlands Bankshares, Inc. represents an interesting opportunity in the regional banking industry.
AI Generated • Aug 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

9.93%

Dividend Yield

3.90%

Payout Ratio

0.00%

Stock Overview

Market Cap

$64.18MMarket 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

22

Avg. Volume

86.111

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

$64.18MMarket 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

$513.41K

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 $47.52 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 $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 3.90%.

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