Highlands Bankshares, Inc.

OTCPK:HBSI Stock Report

Market Cap: US$42.8m

Highlands Bankshares Past Earnings Performance

Past criteria checks 2/6

Highlands Bankshares has been growing earnings at an average annual rate of 5.4%, while the Banks industry saw earnings growing at 7% annually. Revenues have been growing at an average rate of 3.2% per year. Highlands Bankshares's return on equity is 6.4%, and it has net margins of 17.2%.

Key information

5.4%

Earnings growth rate

5.4%

EPS growth rate

Banks Industry Growth11.2%
Revenue growth rate3.2%
Return on equity6.4%
Net Margin17.2%
Last Earnings Update31 Dec 2023

Recent past performance updates

No updates

Recent updates

No updates

Revenue & Expenses Breakdown

How Highlands Bankshares makes and spends money. Based on latest reported earnings, on an LTM basis.


Earnings and Revenue History

OTCPK:HBSI Revenue, expenses and earnings (USD Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
31 Dec 23214140
31 Dec 22224140
30 Sep 22224140
30 Jun 22225140
31 Mar 22225140
31 Dec 21225140
30 Sep 21215130
30 Jun 21204130
31 Mar 21194130
31 Dec 20193130
30 Sep 20193130
30 Jun 20194130
31 Mar 20204130
31 Dec 19194130
30 Sep 19193130
30 Jun 19193130
31 Mar 19194130
31 Dec 18194120
30 Sep 18193120
30 Jun 18193120
31 Mar 18193120
31 Dec 17192120
30 Sep 17194120
30 Jun 17183120
31 Mar 17184120
31 Dec 16194120
30 Sep 16194120
30 Jun 16194120
31 Mar 16193120
31 Dec 15183120
30 Sep 15193120
30 Jun 15194120
31 Mar 15193110
31 Dec 14193110
31 Dec 13162110

Quality Earnings: HBSI has high quality earnings.

Growing Profit Margin: HBSI's current net profit margins (17.2%) are lower than last year (20%).


Free Cash Flow vs Earnings Analysis


Past Earnings Growth Analysis

Earnings Trend: HBSI's earnings have grown by 5.4% per year over the past 5 years.

Accelerating Growth: HBSI's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: HBSI had negative earnings growth (-19.7%) over the past year, making it difficult to compare to the Banks industry average (-11.8%).


Return on Equity

High ROE: HBSI's Return on Equity (6.4%) is considered low.


Return on Assets


Return on Capital Employed


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