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  3. •

    Banks - Regional
Highlands Bankshares, Inc.

Highlands Bankshares, Inc.

HBSI
Highlands Bankshares, Inc.US flagOther OTC
45.32
USD
- -
- -
60.59MMarket Cap
Highlands Bankshares, Inc.
HBSI
(Other OTC)

Recent

price

45.32

P/E

ratio

- -

div

yld

- -

ROIC.AI

2002
2003
2004
2005
2006
2007
2008
2009
2010
2011
2013
2014
2015
2016
2017
2018
TTM
FRC
8.64
9.26
10.17
10.94
12.51
13.25
14.49
14.19
14.08
13.99
13.58
13.43
13.69
13.94
14.25
14.8
14.8
Revenue per Share
1.8
1.55
2.23
2.65
3.14
3.24
3.59
2.51
1.19
1.04
1.78
2.47
2.49
2.79
1.85
2.91
2.91
Basic EPS, GAAP
2.34
3.6
3.8
3.5
4.15
3.47
3.33
0.87
4.41
5.03
4.97
3.22
2.13
2.32
0.8
3.6
3.6
Free Cash Flow per Basic Share
0.51
0.56
0.63
0.82
0.94
1
1.08
1.16
1.04
0.45
0.4
0.74
1
1.08
1.14
1.65
1.65
Dividend per Share
18.57
19.42
21.03
22.85
25.05
27.29
30.61
33.02
33.17
33.76
36.78
38.52
40.01
41.72
42.96
44.22
44.22
Book Value per Share
19.87
20.56
21.99
21.42
23.69
26.09
26.5
29.07
29.18
29.53
32.82
33.73
35.49
36.96
37.48
38.67
38.67
Tangible Book Value per Share
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
Basic Weighted Avg Shares
13
13
15
16
18
19
20
19
19
19
18
18
18
19
19
20
20
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
Depreciation Expense
3
2
3
4
5
5
5
3
2
1
2
3
3
4
2
4
4
Net Income, GAAP
32.09
31.19
32.6
33.51
34.62
35.84
35.52
33.52
28.67
27.88
31.56
29.92
31.05
28.94
52.27
21.7
21.7
Effective Tax Rate (%)
20.88
16.77
21.94
24.18
25.11
24.44
24.81
17.7
8.46
7.44
13.12
18.41
18.2
20.01
12.96
19.65
19.65
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
4
5
8
15
15
12
11
11
9
11
4
4
6
7
5
10
10
LT Debt
29
30
32
34
37
41
39
41
41
42
46
47
49
51
52
53
53
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
9.65
8.13
11.03
12.06
13.12
12.37
12.19
7.76
3.6
3.11
5.05
6.57
6.35
6.83
4.36
6.67
6.67
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Jun'18
Sep'18
Dec'18
ST Debt
- -
- -
- -
LT Borrowings
5
5
10
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
1
1
1
Market Capitalization
44
48
47

Working Capital

FRC

•

in mil. unless spec.
Jun'18
Sep'18
Dec'18
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
42
40
43
Accounts Receivable, Net
1
1
1
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
7
7
8
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
2.81%
3.11%
3.11%
Free Cash Flow
56.35%
45.09%
351.27%
Net Income, GAAP
5.56%
15.06%
57.51%
Sales/Revenue/Turnover
0.43%
1.76%
3.93%
Total Cash Common Dividend
10.78%
35.65%
44.59%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
No data availableFinancial data will appear here once available

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
No data availableFinancial data will appear here once available

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
No data availableFinancial data will appear here once available
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Business
Highlands Bankshares, Inc. operates as a bank holding company providing comprehensive community banking services primarily through its two wholly owned subsidiaries, The Grant County Bank and Capon Valley Bank. The Grant County Bank manages six branch offices located in various towns in West Virginia, while Capon Valley Bank operates four branches across West Virginia and Virginia, collectively maintaining twelve banking locations across seven counties in these two states. The company offers a wide range of banking products and services including checking, savings, club accounts, money market accounts, investment checking accounts under its Plateau Premium brand, individual retirement accounts, and certificates of deposit, along with insured cash sweep and the Certificate of Deposit Account Registry Service (CDARS). It provides diverse lending products such as personal and business loans encompassing home mortgages, home equity, land and lot loans, mobile home loans, auto loans, personal and business term loans, agricultural loans, equipment financing, commercial real estate loans, and business lines of credit. Additional service offerings include debit and credit cards, Kasasa Protect, ATM services, business online banking with bill pay, mobile and telephone banking, remote deposit capture, merchant processing, direct deposit services, insured cash sweeps, foreign currency exchange, certified and cashier's checks, money wire transfers, safe deposit boxes, credit monitoring, and insurance products like life and accident coverage. Founded in 1984 and headquartered in Petersburg, West Virginia, Highlands Bankshares, Inc. recently continues to expand its digital banking capabilities and merchant services, focusing on enhancing customer experience and operational efficiency. The company also maintains a focus on community banking within its geographic regions of West Virginia and Virginia with a workforce of approximately 125 employees. Recent developments include the continuation of dividend payments and a stable performance outlook bolstered by its diverse banking portfolio and strategic regional presence. Highlands Bankshares, Inc. operates in the regional banking industry with a commitment to serving individuals and businesses within its operational footprint.