Financial Services
Highlands Bankshares, Inc.(HBSI)
Live Price
Offline$44.70
-1.89% today
1Y Change
+30.97%
Window
Jun 26, 2025 โ Jun 18, 2026
- Market Cap
- $60.00M
- Revenue Growth
- +11.6%
- EPS Growth
- +23.1%
- Dividend Yield
- 4.1%
Coverage: 246 bars ยท Jun 26, 2025 โ Jun 18, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
Highlands Bankshares, Inc. (HBSI) is a Financial Services stock with a market cap of $60.00M and listed on OTC. The stock last traded around $44.70 and up 31.0% across the available one-year price window (Jun 26, 2025 โ Jun 18, 2026). Baseline metrics include revenue growth of +11.6%, EPS growth of +23.1%, a dividend yield of 4.1%. What stands out right now is revenue +11.6%, EPS +23.1%, free cash flow +48.1% with operating margin 20.5% and ROIC 0.9%. The dividend matters to the case here, with a current yield around 4.1%. Valuation is more restrained than many high-expectation growth names at P/E 10.0 and price/sales 1.6. Overall, the current profile looks closer to a income-oriented value setup than a generic broad-market placeholder. Stock Foundry combines HBSI price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Sector Context
How this name stacks up against nearby peers on first-pass metrics.
Revenue Growth
Above sector median
+11.6% vs +3.4% peer median
Operating Margin
Above sector median
+20.5% vs +4.7% peer median
What Changed This Quarter
Latest report context and the signals most likely to have changed the story.
Latest report is on the board
2026 was reported on Mar 30, 2026, but the surprise data is still limited.
The operating story is still moving forward
Revenue is running at +11.6% and EPS at +23.1%, with operating margin around 20.5%.
Shareholder return is still part of the story
The stock is still offering a dividend yield around 4.1%, which matters if the thesis depends on income as much as growth.
Earnings Reaction Memory
How the stock has tended to move after recent reports.
Across the last 3 reported quarters, the stock averaged -0.3% over the next 5 trading days and finished higher after 1 of those reports.
View quarter-by-quarter reaction table
| Quarter | EPS ฮ | 1D | 5D | 20D |
|---|---|---|---|---|
2026 Mar 30, 2026 | โ | -1.0% | -1.0% | -3.2% |
2025 Oct 6, 2025 | โ | +0.0% | +0.0% | +3.2% |
2025 Jul 7, 2025 | โ | +0.0% | +0.0% | +0.2% |
Benchmark Edge
HBSI vs SPY, QQQ, and Sector ETFs
Normalized return, excess return, max drawdown, and calendar-year wins against the benchmarks investors actually use.
HBSI
โ
Normalized return
SPY
--
S&P 500
Excess Return
--
Relative to SPY
HBSI Max Drawdown
-6.44%
Trailing 1Y
SPY Max Drawdown
โ
Trailing 1Y
Calendar-Year Returns
Uses the longest available daily history for HBSI and SPY.
Company Overview
Highlands Bankshares, Inc.
Other OTC
Highlands Bankshares, Inc. operates as the bank holding company for The Grant County Bank and Capon Valley Bank that provide various banking products and services for individuals and businesses. The company accepts checking, saving, money market, NOW, individual retirement, and club accounts; and insured cash sweep and CDARS interest-bearing deposits, 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. In addition, the company provides debit and credit cards, kasasa protect, automatic teller machines, business online banking and bill-pay, mobile banking, CardValet, POP money, telephone banking, direct deposits, remote deposit capture, bank-by-mail, certified and cashier's checks, foreign currency exchange, safe deposit box, and wire transfer services. Further, it offers merchant card processing services; and sells life and accident coverage insurance products. The company operates through ten locations in West Virginia and two locations in Virginia. Highlands Bankshares, Inc. was incorporated in 1984 and is based in Petersburg, West Virginia.
- Leadership
- Jack H. Walters
- IPO Date
- Jan 12, 1999
- Employees
- 125
- Street Address
- 3 North Main Street
- Mailing
- Petersburg, WV, 26847
- Region
- Petersburg, WV, US
- Reporting Currency
- USD
- Investor Line
- 304 257 4111
- Last Updated
- Apr 29, 2026
Key Fundamentals
Valuation, growth, profitability, and balance sheet signals.
Valuation
- P/E
- 10.0
- EV/EBITDA
- 8.3
- Price/Sales
- 1.6
- Price/Book
- 0.9
Growth
- Revenue
- +11.6%
- EPS
- +23.1%
- Free Cash Flow
- +48.1%
Profitability
- Gross Margin
- 37.3%
- Operating Margin
- 20.5%
- Net Margin
- 15.8%
- ROE
- 9.1%
- ROIC
- 0.9%
Balance Sheet
- Debt/Equity
- 0.13
- Current Ratio
- 1.01
Earnings Reports
Latest News
Official Releases
Company announcements and filings-style updates.
Next Step
Keep the research moving
After the overview, the strongest next step is usually chart context or a tighter compare set.