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Highlands Bankshares, Inc. (HBSI)
OTCMKTS · Delayed Price · Currency is USD
50.90
+0.90 (1.80%)
At close: Nov 13, 2026

Highlands Bankshares Cash Flow Statement

Millions USD. Fiscal year is Jan - Dec.

Operating Activities

Fiscal Year
FY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Net Income
5.914.853.564.434.94
Depreciation & Amortization
0.90.910.930.930.95
Gain (Loss) on Sale of Assets
--0.02-0-0.07-0.21
Gain (Loss) on Sale of Investments
0.13-0.431.121.540.63
Total Asset Writedown
0.1--0.010.05
Provision for Credit Losses
1.170.970.87-0.930.03
Accrued Interest Receivable
-0.15-0.14-0.38-0.30.01
Change in Other Net Operating Assets
-1.390.19-0.380.070.18
Other Operating Activities
-0.32-1.06-0.45-0.18-0.13
Operating Cash Flow
6.355.285.275.56.44
Operating Cash Flow Growth
20.12%0.34%-4.19%-14.73%3.55%

Investing Activities

Fiscal Year
FY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Capital Expenditures
-2.24-2.61-1.43-0.63-0.26
Investment in Securities
3.5712.930.6515.54-53.06
Net Decrease (Increase) in Loans Originated / Sold - Investing
-38.03-37.23-36.3-33.35.73
Other Investing Activities
-11.95-2.7913.75-0.970.64
Investing Cash Flow
-48.65-29.7-23.33-19.35-46.95

Financing Activities

Fiscal Year
FY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Long-Term Debt Issued
--3.416.82-
Long-Term Debt Repaid
-5.07-1.5---1.6
Net Debt Issued (Repaid)
-5.07-1.53.416.82-1.6
Repurchase of Common Stock
-0.6----
Common Dividends Paid
-2.38-2.25-2.37-2.41-2.23
Net Increase (Decrease) in Deposit Accounts
50.8727.0417.718.9243.44
Financing Cash Flow
42.8123.318.7613.3339.61

Net Cash Flow

Fiscal Year
FY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Net Cash Flow
0.51-1.020.69-0.53-0.9

Free Cash Flow

Fiscal Year
FY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Free Cash Flow
4.112.673.844.876.19
Free Cash Flow Growth
53.69%-30.35%-21.24%-21.28%8.30%
Free Cash Flow Margin
15.42%11.22%18.53%22.04%28.41%
Free Cash Flow Per Share
3.112.002.873.644.63

Additional Metrics

Fiscal Year
FY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash Interest Paid
9.628.545.041.41.65
Cash Income Tax Paid
1.730.90.740.920.87