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Highlands Bankshares, Inc. HBSI

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Price alert · HBSI

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49.00 USD 0.00 0.00%

At close · Oct 30

49.00 Day range 49.00
38.66 52-week range 49.00
YTD
+13.95%
1 year
+26.75%
Open
49.00
Prev close
49.00
Mkt cap
64.58M
Vol
300
Avg vol
26
EPS
3.73
P/E
13.14
More statistics
Low
49.00
High
49.00

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Financial health

Altman Z-Score

0.34 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

6 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

A4 / 5 overall

  • DCF 4
  • Return on Equity 3
  • Return on Assets 3
  • Debt / Equity 4
  • P/E 4
  • P/B 4

Valuation

P/E 9.6×
FY 2016: 12.8×FY 2017: 22.3×FY 2018: 15.8×FY 2019: 14.8×FY 2020: 13.7×FY 2021: 11.9×FY 2022: 13.0×FY 2023: 14.5×FY 2024: 9.0×FY 2025: 9.6×
FY 2016 5y median 11.9× FY 2025
P/S 1.5×
FY 2016: 2.3×FY 2017: 2.7×FY 2018: 2.8×FY 2019: 2.3×FY 2020: 2.5×FY 2021: 2.7×FY 2022: 2.6×FY 2023: 2.5×FY 2024: 1.3×FY 2025: 1.5×
FY 2016 5y median 2.5× FY 2025
P/B 0.8×
FY 2016: 0.9×FY 2017: 1.1×FY 2018: 1.2×FY 2019: 1.0×FY 2020: 0.8×FY 2021: 1.0×FY 2022: 1.0×FY 2023: 0.9×FY 2024: 0.7×FY 2025: 0.8×
FY 2016 5y median 0.9× FY 2025
P/FCF 13.8×
FY 2016: 15.4×FY 2017: 51.7×FY 2018: 12.8×FY 2019: 18.7×FY 2020: 8.0×FY 2021: 9.5×FY 2022: 11.8×FY 2023: 13.4×FY 2024: 15.8×FY 2025: 13.8×
FY 2016 5y median 13.4× FY 2025
EV/EBITDA 7.1×
FY 2016: 7.1×FY 2017: 8.0×FY 2018: 9.8×FY 2019: 9.1×FY 2020: 5.9×FY 2021: 5.8×FY 2022: 7.1×FY 2023: 10.7×FY 2024: 8.0×FY 2025: 7.1×
FY 2016 5y median 7.1× FY 2025
EV/Sales 1.6×
FY 2016: 2.0×FY 2017: 2.3×FY 2018: 2.6×FY 2019: 2.1×FY 2020: 1.6×FY 2021: 1.9×FY 2022: 2.1×FY 2023: 2.7×FY 2024: 1.4×FY 2025: 1.6×
FY 2016 5y median 1.9× FY 2025
FCF Yield 7.2%
FY 2016: 6.5%FY 2017: 1.9%FY 2018: 7.8%FY 2019: 5.3%FY 2020: 12.4%FY 2021: 10.5%FY 2022: 8.5%FY 2023: 7.5%FY 2024: 6.3%FY 2025: 7.2%
FY 2016 5y median 7.5% FY 2025

Profitability

Gross Margin 71.4%
FY 2016: 91.0%FY 2017: 90.8%FY 2018: 89.0%FY 2019: 100.0%FY 2020: 100.0%FY 2021: 109.3%FY 2022: 103.7%FY 2023: 131.6%FY 2024: 71.2%FY 2025: 71.4%
FY 2016 5y median 103.7% FY 2025
Operating Margin 20.5%
FY 2016: 25.8%FY 2017: 25.1%FY 2018: 22.7%FY 2019: 22.6%FY 2020: 32.0%FY 2021: 37.5%FY 2022: 35.5%FY 2023: 33.3%FY 2024: 26.3%FY 2025: 20.5%
FY 2016 5y median 33.3% FY 2025
Net Margin 15.8%
FY 2016: 18.3%FY 2017: 12.0%FY 2018: 17.8%FY 2019: 15.4%FY 2020: 17.9%FY 2021: 22.7%FY 2022: 20.0%FY 2023: 17.2%FY 2024: 14.5%FY 2025: 15.8%
FY 2016 5y median 17.2% FY 2025
ROE 8.7%
FY 2016: 7.3%FY 2017: 4.8%FY 2018: 7.3%FY 2019: 6.4%FY 2020: 5.9%FY 2021: 8.3%FY 2022: 8.0%FY 2023: 6.4%FY 2024: 7.9%FY 2025: 8.7%
FY 2016 5y median 8.0% FY 2025
ROIC 0.9%
FY 2016: 6.4%FY 2017: 4.4%FY 2018: 6.1%FY 2019: 1.5%FY 2020: 1.7%FY 2021: 2.1%FY 2022: 1.9%FY 2023: 1.7%FY 2024: 1.9%FY 2025: 0.9%
FY 2016 5y median 1.9% FY 2025
ROA 0.9%
FY 2016: 0.9%FY 2017: 0.6%FY 2018: 0.9%FY 2019: 0.8%FY 2020: 0.7%FY 2021: 1.0%FY 2022: 0.8%FY 2023: 0.6%FY 2024: 0.8%FY 2025: 0.9%
FY 2016 5y median 0.8% FY 2025

Growth (YoY)

Revenue 11.6%
FY 2016: 1.2%FY 2017: 1.5%FY 2018: 5.8%FY 2019: 4.8%FY 2020: -18.3%FY 2021: 16.5%FY 2022: 1.5%FY 2023: -6.3%FY 2024: 61.6%FY 2025: 11.6%
FY 2016 FY 2025
Operating Income -13.1%
FY 2016: 8.6%FY 2017: -1.4%FY 2018: -4.0%FY 2019: 4.2%FY 2020: 15.4%FY 2021: 36.6%FY 2022: -3.9%FY 2023: -12.0%FY 2024: 27.5%FY 2025: -13.1%
FY 2016 FY 2025
EPS (diluted) 23.1%
FY 2016: 12.0%FY 2017: -33.7%FY 2018: 57.3%FY 2019: -9.3%FY 2020: -5.3%FY 2021: 47.6%FY 2022: -10.3%FY 2023: -19.6%FY 2024: 36.5%FY 2025: 23.1%
FY 2016 FY 2025
Free Cash Flow 48.1%
FY 2016: 8.9%FY 2017: -65.6%FY 2018: 351.3%FY 2019: -41.9%FY 2020: 104.3%FY 2021: 8.3%FY 2022: -21.3%FY 2023: -21.2%FY 2024: -27.7%FY 2025: 48.1%
FY 2016 FY 2025

Financial Health

Current Ratio 3.4×
FY 2016: 0.1×FY 2017: 0.1×FY 2018: 0.1×FY 2019: 0.2×FY 2020: 0.3×FY 2021: 0.2×FY 2022: 0.2×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 3.4×
FY 2016 5y median 0.2× FY 2025
Quick Ratio 3.4×
FY 2016: 0.1×FY 2017: 0.1×FY 2018: 0.1×FY 2019: 0.2×FY 2020: 0.3×FY 2021: 0.2×FY 2022: 0.2×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 3.4×
FY 2016 5y median 0.2× FY 2025
Debt / Equity 0.1×
FY 2016: 0.1×FY 2017: 0.1×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.1×FY 2021: 0.1×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 0.1×
FY 2016 5y median 0.2× FY 2025
Net Debt / EBITDA 0.5×
FY 2016: -1.1×FY 2017: -1.4×FY 2018: -1.0×FY 2019: -1.0×FY 2020: -3.1×FY 2021: -2.4×FY 2022: -1.6×FY 2023: 0.8×FY 2024: 0.7×FY 2025: 0.5×
FY 2016 5y median 0.5× FY 2025
Interest Coverage 0.8×
FY 2016: 3.1×FY 2017: 3.2×FY 2018: 2.4×FY 2019: 18.4×FY 2020: 26.2×FY 2021: 45.6×FY 2022: 52.6×FY 2023: 14.7×FY 2024: 0.0×FY 2025: 0.8×
FY 2016 5y median 14.7× FY 2025

Dividends

Dividend Yield 4.2%
FY 2016: 3.0%FY 2017: 2.8%FY 2018: 3.6%FY 2019: 4.6%FY 2020: 4.9%FY 2021: 3.8%FY 2022: 4.2%FY 2023: 4.6%FY 2024: 5.1%FY 2025: 4.2%
FY 2016 5y median 4.2% FY 2025
Payout Ratio 40.4%
FY 2016: 38.7%FY 2017: 61.8%FY 2018: 56.7%FY 2019: 68.2%FY 2020: 68.0%FY 2021: 45.2%FY 2022: 54.4%FY 2023: 66.5%FY 2024: 46.3%FY 2025: 40.4%
FY 2016 5y median 46.3% FY 2025

Annual · latest fiscal year ends 2025-12-31