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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 2/10

» HBKS's 10-Y Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

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Dividend & Buy Back

Dividend Yield 3.09
HBKS's Dividend Yield is ranked higher than
65% of the 2226 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.49 vs. HBKS: 3.09 )
HBKS' s 10-Year Dividend Yield Range
Min: 0   Max: 0
Current: 3.09

Dividend Payout 0.26
HBKS's Dividend Payout is ranked higher than
85% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.68 vs. HBKS: 0.26 )
HBKS' s 10-Year Dividend Payout Range
Min: 0   Max: 0
Current: 0.26

Yield on cost (5-Year) 3.10
HBKS's Yield on cost (5-Year) is ranked higher than
57% of the 2235 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.84 vs. HBKS: 3.10 )
HBKS' s 10-Year Yield on cost (5-Year) Range
Min: 0   Max: 0
Current: 3.1

Valuation & Return


Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Heritage Bankshares, Inc. is a bank holding company incorporated under the laws of the Commonwealth of Virginia in 1983. It serves as the holding company for its wholly-owned subsidiary, Heritage Bank. The Company, through the Bank, engages in a general community and commercial banking business, targeting the banking needs of individuals and small to medium sized businesses in its main service area which includes Chesapeake, Norfolk, and Virginia Beach, Virginia. The main business of the company is to attract deposits and to lend or invest those deposits on profitable terms. These deposits are in varied forms of both demand and time accounts including checking accounts, interest checking, money market accounts, savings accounts, certificates of deposit, and IRA accounts. The Company is involved in the construction and real estate lending market and actively extends both consumer and commercial credit. Loans consist of varying terms and might be secured or unsecured. Loans to individuals are for personal, household, and family purposes. Loans to businesses are made for purposes such as working capital, plant expansion, and equipment purchases. The banking business in the MSA, and the Company's main market area, is highly competitive, and the Company faces competition both in making loans and in attracting deposits. Bank holding companies and banks are regulated under both federal and state law.

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