Highlands Bankshares (HBSI) Stock Overview

Operates as the bank holding company for The Grant County Bank and Capon Valley Bank that provides various banking products and services for individuals and businesses. More details

HBSI fundamental analysis
Snowflake Score
Valuation	0/6
Future Growth	0/6
Past Performance	0/6
Financial Health	0/6
Dividends	2/6

Risk Analysis

Latest financial reports are more than a year old

Shares are highly illiquid

Unstable dividend track record

Does not have a meaningful market cap ($63M)

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Highlands Bankshares, Inc. Competitors

Price History & Performance

Summary of share price highs, lows and changes for Highlands Bankshares
Historical stock prices
Current Share Price	US$47.75
52 Week High	US$47.75
52 Week Low	US$34.72
Beta	0
1 Month Change	6.82%
3 Month Change	6.09%
1 Year Change	37.53%
3 Year Change	13.69%
5 Year Change	27.33%
Change since IPO	276.97%

Recent updates

Shareholder Returns

	HBSI	US Banks	US Market
7D	2.7%	-0.6%	-2.0%
1Y	37.5%	20.8%	15.1%

Return vs Industry: HBSI exceeded the US Banks industry which returned 20.6% over the past year.

Return vs Market: HBSI exceeded the US Market which returned 16.4% over the past year.

Price Volatility

Is HBSI's price volatile compared to industry and market?
HBSI volatility
HBSI Average Weekly Movement	n/a
Banks Industry Average Movement	3.4%
Market Average Movement	7.1%
10% most volatile stocks in US Market	16.1%
10% least volatile stocks in US Market	3.2%

Stable Share Price: HBSI's share price has been volatile over the past 3 months compared to the US market.

Volatility Over Time: Insufficient data to determine HBSI's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1984	n/a	Jack Walters	www.grantcountybank.com

Highlands Bankshares, Inc. operates as the bank holding company for The Grant County Bank and Capon Valley Bank that provides various banking products and services for individuals and businesses. The company accepts checking, saving, club accounts, money market, plateau premium investment checking, and individual retirement accounts; and insured cash sweep and CDARS, as well as certificates of deposit. It also offers personal and business loans, such as home mortgage and equity, land and lot, mobile home, auto, personal and business term, agriculture, equipment, and commercial real estate loans, as well as business lines of credit.

Highlands Bankshares, Inc. Fundamentals Summary

How do Highlands Bankshares's earnings and revenue compare to its market cap?
HBSI fundamental statistics
Market cap	US$62.81m
Earnings (TTM)	US$4.85m
Revenue (TTM)	US$23.81m

0.0x

P/E Ratio

0.0x

P/B Ratio

Is HBSI overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
HBSI income statement (TTM)
Revenue	US$23.81m
Cost of Revenue	US$0
Gross Profit	US$23.81m
Other Expenses	US$18.96m
Earnings	US$4.85m

Last Reported Earnings

Dec 31, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	0
Gross Margin	0.00%
Net Profit Margin	0.00%
Debt/Equity Ratio	0.0%

How did HBSI perform over the long term?

See historical performance and comparison

Dividends

3.8%

Current Dividend Yield

n/a

Payout Ratio

Does HBSI pay a reliable dividends?

See HBSI dividend history and benchmarks

When do you need to buy HBSI by to receive an upcoming dividend?
Highlands Bankshares dividend dates
Ex Dividend Date	Jul 27 2026
Dividend Pay Date	Jul 31 2026
Days until Ex dividend	2 days
Days until Dividend pay date	6 days

Does HBSI pay a reliable dividends?

See HBSI dividend history and benchmarks

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2026/07/24 20:36
End of Day Share Price	2026/07/22 00:00
Earnings	2024/12/31
Annual Earnings	2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Highlands Bankshares, Inc. is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Highlands Bankshares, Inc.OTCPK:HBSI Stock Report