Highlands Bankshares Ratios and Metrics

Market cap in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	2018 - 2014
Period Ending	Jan '25 Jan 29, 2025	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020	Dec '19 Dec 31, 2019	2018 - 2014
Market Capitalization	44	51	58	59	46	52	Upgrade
Market Cap Growth	-31.60%	-10.55%	-2.18%	28.02%	-12.10%	-15.00%	Upgrade
Last Close Price	32.83	36.65	39.29	38.51	28.75	31.23	Upgrade
PE Ratio	9.91	14.47	13.00	11.92	13.75	14.82	Upgrade
PS Ratio	1.92	2.49	2.60	2.70	2.46	2.68	Upgrade
PB Ratio	0.74	0.93	1.05	0.99	0.82	0.96	Upgrade
P/FCF Ratio	-	13.42	11.82	9.51	8.05	18.70	Upgrade
P/OCF Ratio	-	9.78	10.47	9.13	7.38	11.06	Upgrade
Debt / Equity Ratio	0.24	0.28	0.22	0.09	0.12	0.16	Upgrade
Debt / FCF Ratio	-	4.02	2.46	0.84	1.19	3.12	Upgrade
Return on Equity (ROE)	-	6.44%	7.74%	8.53%	6.02%	6.53%	Upgrade
Return on Assets (ROA)	-	0.66%	0.85%	0.99%	0.75%	0.85%	Upgrade
Earnings Yield	10.09%	6.91%	7.69%	8.39%	7.27%	6.75%	Upgrade
FCF Yield	7.45%	8.46%	10.51%	12.43%	5.35%	Upgrade
Dividend Yield	5.12%	4.75%	4.58%	4.34%	5.91%	5.76%	Upgrade
Payout Ratio	0.00%	66.52%	54.37%	45.21%	68.03%	68.24%	Upgrade
Total Shareholder Return	5.12%	4.75%	4.58%	4.34%	5.91%	5.76%	Upgrade

Source: S&P Capital IQ. Banks template. Financial Sources.