Highlands Bankshares, Inc. (HBSI)

Highlands Bankshares Ratios and Metrics

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

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Feb 24, 2026	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Market Capitalization	60	44	51	58	59	46
Market Cap Growth	2.29%	-14.75%	-10.55%	-2.18%	28.02%	-12.10%
Last Close Price	45.50	30.84	34.44	36.92	36.19	27.02
PE Ratio	12.53	9.04	14.47	13.00	11.92	13.75
PS Ratio	2.52	1.84	2.49	2.61	2.70	2.46
PB Ratio	0.98	0.72	0.93	1.05	0.99	0.82
P/FCF Ratio	21.66	15.83	13.42	11.82	9.51	8.05
P/OCF Ratio	11.15	8.15	9.78	10.47	9.13	7.38
Debt / Equity Ratio	0.23	0.23	0.28	0.22	0.09	0.12
Debt / FCF Ratio	5.02	5.02	4.02	2.47	0.84	1.19
Net Debt / Equity Ratio	-0.19	-0.19	-0.21	-0.44	-0.74	-0.87
Net Debt / FCF Ratio	-4.16	-4.16	-3.05	-5.02	-7.12	-8.63
Return on Equity (ROE)	8.31%	8.31%	6.44%	7.74%	8.53%	6.02%
Return on Assets (ROA)	0.86%	0.86%	0.66%	0.85%	0.99%	0.75%
Earnings Yield	8.08%	11.06%	6.91%	7.69%	8.39%	7.27%
FCF Yield	4.62%	6.32%	7.45%	8.46%	10.51%	12.43%
Dividend Yield	3.96%	5.54%	5.05%	4.88%	4.61%	6.29%
Payout Ratio	46.28%	46.28%	66.52%	54.37%	45.21%	68.03%
Total Shareholder Return	3.96%	5.54%	5.05%	4.88%	4.61%	6.29%

Updated Dec 31, 2024. Source: S&P Global Market Intelligence. Banks template. Financial Sources.