OTCPK:HSBK

Stock Analysis Report

Executive Summary

Highlands Bancorp, Inc. operates as the holding company for Highlands State Bank that provides personal and business banking services.

Snowflake

Fundamentals

Flawless balance sheet and overvalued.

Risks

  • Highlands Bancorp is not covered by any analysts.

Similar Companies

Share Price & News

How has Highlands Bancorp's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

0%

OTCPK:HSBK

-2.6%

US Banks

-1.0%

US Market


1 Year Return

18.2%

OTCPK:HSBK

-14.2%

US Banks

-0.4%

US Market

HSBK outperformed the Banks industry which returned -17.8% over the past year.

HSBK outperformed the Market in United States of America which returned -7.7% over the past year.


Share holder returns

HSBKIndustryMarket
7 Day0%-2.6%-1.0%
30 Day5.9%-6.3%-3.3%
90 Day-8.8%-3.5%0.8%
1 Year18.8%18.2%-11.8%-14.2%1.9%-0.4%
3 Year100.7%96.2%42.2%32.4%39.4%30.4%
5 Year196.3%186.2%53.3%36.7%54.2%37.1%

Price Volatility Vs. Market

How volatile is Highlands Bancorp's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Highlands Bancorp undervalued based on future cash flows and its price relative to the stock market?

15.72x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

Highlands Bancorp's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).

Highlands Bancorp's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).


Price Based on Earnings

Highlands Bancorp is overvalued based on earnings compared to the US Banks industry average.

Highlands Bancorp is good value based on earnings compared to the United States of America market.


Price Based on Expected Growth

Unable to calculate PEG ratio for Highlands Bancorp, we can't assess if its growth is good value.


Price Based on Value of Assets

Highlands Bancorp is overvalued based on assets compared to the US Banks industry average.


Next Steps

Future Growth

How is Highlands Bancorp expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

6.6%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Unable to determine if Highlands Bancorp is high growth as no revenue estimate data is available.

Highlands Bancorp's earnings are expected to grow by 6.6% yearly, however this is not considered high growth (20% yearly).

Unable to compare Highlands Bancorp's revenue growth to the United States of America market average as no estimate data is available.

Highlands Bancorp's earnings growth is positive but not above the United States of America market average.

Highlands Bancorp's earnings growth is expected to exceed the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

Unable to establish if Highlands Bancorp will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

How has Highlands Bancorp performed over the past 5 years?

10.0%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Highlands Bancorp's year on year earnings growth rate has been positive over the past 5 years.

Highlands Bancorp's 1-year earnings growth is less than its 5-year average (9.3% vs 10%)

Highlands Bancorp's earnings growth has not exceeded the US Banks industry average in the past year (9.3% vs 15.8%).


Return on Equity

Highlands Bancorp has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

Highlands Bancorp used its assets less efficiently than the US Banks industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if Highlands Bancorp improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


Next Steps

Financial Health

How is Highlands Bancorp's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet


Financial Institutions Analysis

Highlands Bancorp has an acceptable proportion of non-loan assets held.

Highlands Bancorp has a sufficient allowance for bad loans.

Highlands Bancorp's liabilities are made up of primarily low risk sources of funding.

Highlands Bancorp's level of assets compared to its equity is moderate (i.e. an appropriate level of borrowing to fund lending).

Loans at Highlands Bancorp are broadly funded by customer deposits.

Highlands Bancorp has an acceptable level of bad loans (less than 2%).


Next Steps

Dividend

What is Highlands Bancorp's current dividend yield, its reliability and sustainability?

0.51%

Current Dividend Yield


Dividend Yield and Payments Analysis

Highlands Bancorp's pays a lower dividend yield than the bottom 25% of dividend payers in United States of America (1.49%).

Highlands Bancorp's dividend is below the markets top 25% of dividend payers in United States of America (3.76%).

Highlands Bancorp is not paying a notable dividend for United States of America, therefore no need to check if the payments are stable.

Highlands Bancorp is not paying a notable dividend for United States of America, therefore no need to check if the payments are increasing.


Current Payout to Shareholders

No need to calculate the sustainability of Highlands Bancorp's dividends as it is not paying a notable one for United States of America.


Future Payout to Shareholders

Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.


Next Steps

Management

What is the CEO of Highlands Bancorp's salary, the management and board of directors tenure and is there insider trading?

9.0yrs

Average board tenure


CEO

Steve Ackmann (66yo)

4.3yrs

Tenure

Mr. Steven C. Ackmann, also known as Steve, has been Chief Executive Officer and President of Highlands State Bank and Highlands Bancorp, Inc. since October 3, 2014. Mr. Ackmann served as the Chief Operati ...


Board Age and Tenure

9.0yrs

Average Tenure

60.5yo

Average Age

The tenure for the Highlands Bancorp board of directors is about average.


Insider Trading

No 3 month insider trading information.


Ownership Breakdown


Management Team

  • Eileen Piersa (57yo)

    Executive VP

    • Tenure: 9.0yrs
  • Steve Ackmann (66yo)

    President

    • Tenure: 4.3yrs
  • Alexis Schoerner

    Senior Vice President

  • Edward Poolas

    Senior Vice President

  • Robert Heigl

    Senior Vice President

  • Carol Hults

    VP & Corporate Secretary

  • Donald Estes

    Senior Vice President

  • Kathryn Rosa

    Senior Vice President

  • Julianne DePue

    Senior Vice President

  • Laurie Gutierrez

    VP & Controller


Board Members

  • Andrew Mulvihill (55yo)

    Director

    • Tenure: 9.0yrs
    • Compensation: $950.00
  • Steve Ackmann (66yo)

    President

    • Tenure: 7.0yrs
  • Harold Wirths (51yo)

    Director

    • Tenure: 3.7yrs
  • John Bosma (51yo)

    Director

    • Tenure: 9.0yrs
    • Compensation: $1.00k
  • Steve Oroho (59yo)

    Director

    • Tenure: 9.0yrs
    • Compensation: $500.00
  • Douglas Verduin (62yo)

    Director

    • Tenure: 9.0yrs
    • Compensation: $600.00
  • Bruce Zaretsky (73yo)

    Vice Chairman of the Board

    • Tenure: 4.3yrs
    • Compensation: $750.00
  • Martin Theobald (66yo)

    Director

    • Tenure: 9.0yrs
    • Compensation: $850.00
  • George Irwin (74yo)

    Chairman and Chairman of Highlands State Bank

    • Tenure: 4.3yrs
    • Compensation: $213.50k
  • Dov Perlysky (56yo)

    Director

    • Tenure: 9.0yrs
    • Compensation: $600.00

Company Information

Highlands Bancorp, Inc.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Highlands Bancorp, Inc.
  • Ticker: HSBK
  • Exchange: OTCPK
  • Founded: 2005
  • Industry: regional banks
  • Sector: banks
  • Market Cap: US$43.615m
  • Shares outstanding: 2.80m
  • Website: Click here

Location

  • Highlands Bancorp, Inc.
  • 310 Route 94
  • PO Box 160
  • Vernon
  • New Jersey
  • 7462
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
HSBKOTCPK (Pink Sheets LLC)YesCommon StockUSUSDOct 2007

Biography

Highlands Bancorp, Inc. operates as the holding company for Highlands State Bank that provides personal and business banking services. The company offers various deposit products, including checking, savin ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/01/15 00:13
End of Day Share Price2019/01/04 00:00
Earnings2018/09/30
Annual Earnings2017/12/31


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 here.