Highlands Bankshares, Inc. (HBSI)

OTCMKTS · Delayed Price · Currency is USD

48.00

0.00 (0.00%)

Jul 30, 2026, 4:00 PM EST

Highlands Bankshares Financials Overview

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec '24 Dec 31, 2024	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Revenue	23.81	23.81	20.7	22.09	21.77	18.69
Revenue Growth	7.77%	15.01%	-6.30%	1.46%	16.48%	-4.00%
Net Income	4.85	4.85	3.56	4.43	4.94	3.34
Earnings Per Share	3.63	3.63	2.66	3.31	3.69	2.50
EPS Growth	9.62%	36.44%	-19.65%	-10.29%	47.71%	-5.25%

Cash & Debt

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec '24 Dec 31, 2024	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Cash & Investments	25.44	25.44	27.11	36.45	49.2	56.09
Total Debt	13.92	13.92	15.41	12	5.18	6.78
Net Cash (Debt)	11.52	11.52	11.7	24.45	44.02	49.31
Net Cash Growth	-52.87%	-1.49%	-52.16%	-44.46%	-10.71%	188.93%
Net Cash Per Share	8.62	8.62	8.75	18.29	32.93	36.88

Cash Flow & CapEx

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec '24 Dec 31, 2024	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Operating Cash Flow	5.38	5.38	5.27	5.5	6.44	6.22
Capital Expenditures	-2.61	-2.61	-1.43	-0.63	-0.26	-0.51
Free Cash Flow	2.77	2.77	3.84	4.87	6.19	5.71
Free Cash Flow Growth	-43.09%	-27.74%	-21.24%	-21.28%	8.30%	104.26%

Margins

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec '24 Dec 31, 2024	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Profit Margin	20.38%	20.38%	17.18%	20.04%	22.67%	17.87%
FCF Margin	11.64%	11.64%	18.53%	22.04%	28.41%	30.55%

Dividends

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jul '26 Jul 31, 2026	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Dividend Per Share	1.800	1.710	1.740	1.800	1.670	1.700
Dividend Per Share Growth	5.65%	-1.72%	-3.33%	7.78%	-1.76%	-5.56%
Dividend Yield	3.75%	5.66%	5.16%	4.98%	4.71%	6.42%

Valuation

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jul '26 Jul 31, 2026	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
PE Ratio	13.22	9.04	14.47	13.00	11.92	13.75
P/FCF Ratio	22.78	15.83	13.42	11.82	9.51	8.05
PS Ratio	2.65	1.84	2.49	2.61	2.70	2.46