HBSI

Highlands Bankshares Inc

HBSI, USA

Highlands Bankshares, Inc. operates as the bank holding company for The Grant County Bank and Capon Valley Bank that provides various banking products and services for individuals and businesses. The company accepts checking, saving, club accounts, money market, plateau premium investment checking, and individual retirement accounts; and insured cash sweep and CDARS, as well as certificates of deposit. It also offers personal and business loans, such as home mortgage and equity, land and lot, mobile home, auto, personal and business term, agriculture, equipment, and commercial real estate loans, as well as business lines of credit. In addition, the company provides investment checking, debit and credit cards, kasasa protect, automatic teller machines, business online banking and bill-pay, mobile and telephone banking, direct deposits, merchant cards, remote deposit capture, bank-by-mail, certified and cashier's checks, foreign currency exchange, GCB card secure, notify alerts, credit monitoring, safe deposit box, and money wire transfer services. Further, it offers sells life and accident coverage insurance products. The company operates through a network of branches in Grant, Hardy, Hampshire, Mineral, Pendleton, Randolph, and Tucker counties in West Virginia, including the towns of Petersburg, Keyser, Moorefield, Davis, and Wardensville, as well as the county of Frederick and the town of Stephens City. Highlands Bankshares, Inc. was incorporated in 1984 and is based in Petersburg, West Virginia.

https://www.grantcountybank.com

Stock Price

$0.00

0%

decrease compared to yesterday.

Dividend

Frequency:

N/A

Rate:

N/A

Next Payout:

N/A

Finn Analysis

(Last Updated 2025-09-30)

Health Score

Price to Earnings Ratio (P/E)

-

Very High

12.29

Low ≥ 50

High ≤ 10

Price to Book Ratio (P/B)

-

Very Low

0.87

Low ≤ 1

High ≥ 3

Return on Equity (ROE)

-

Very Low

2.31 %

Low ≤ 5%

High ≥ 25%

Return on Assets (ROA)

-

Very Low

0.25 %

Low ≤ 2%

High ≥ 10%

Debt to Equity

-

Very Low

8.36

Low ≥ 1

High ≤ 0.3

Investors

* Institutions hold a combined 0.00% of the total shares of Highlands Bankshares Inc

* Investors data is estimated based on stocks listed on Finnton that are currently held by Institution/Fund.

Earnings History

EPS ActualEPS EstimateEPS DifferenceSurprise Percent

Upcoming Earnings Release

Date

—

EPS Estimate

—

Latest Release

Date

2025-09-30

EPS Actual

1.1503

EPS Estimate

—

EPS Difference

0

Surprise Percent

0%

Investing Fit Scorecard

(Last Updated 2025-09-30)

Deep Value
Potential Value Candidate(4.5)
Defensive
Moderately Defensive(5)
Dividend
Weak Dividend Profile(1.5)
Economic Moat
Some Competitive Advantage(5.8)
GARP
Not Attractive for GARP(2.5)
Growth
Weak Growth Prospect(2)
Momentum
Moderate Momentum(4.5)
Net Net
Not Undervalued (Net-Net)(2)
Quality
Low Quality Business(3)
Value
Fair Value(6)

Income Statement

(Last Updated 2025-09-30)

Revenue

$ 0

Cost Of Revenue

$ 0

Gross Profit

$ 0

Operating Expenses

$ 0

Operating Income

$ 0

Interest Expense

$ 0

Pretax Income

$ 0

Net Income

$ 0

Income Tax Expense

$ 0

EBITDA

$ 0

Total Other Income Expense Net

$ 0

Earnings Per Share

0

Dividends Per Share

0

Shares Outstanding

0

Operating Margin

0%

Trend

Balance Sheet

(Last Updated 2025-09-30)

Cash

$ 0

Short Term Investments

$ 0

Receivables

$ 0

Inventories

$ 0

Total Current Assets

$ 0

Property Plant Equipment

$ 0

Total Assets

$ 0

Payables

$ 0

Short Term Debt

$ 0

Long Term Debt

$ 0

Total Liabilities

$ 0

Equity

$ 0

Trend

Cash Flow

(Last Updated 2025-09-30)

Net Income

$ 0

Depreciation

$ 0

Change In Working Capital

$ 0

Cash From Operations

$ 0

Capital Expenditures

$ 0

Cash From Investing

$ 0

Cash From Financing

$ 0

Net Change In Cash

$ 0

Trend

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