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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

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

» HBSI'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 4.16
HBSI's Dividend Yield is ranked higher than
73% of the 2204 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.60 vs. HBSI: 4.16 )
Ranked among companies with meaningful Dividend Yield only.
HBSI' s 10-Year Dividend Yield Range
Min: 0  Med: 0.00 Max: 3.95
Current: 4.16
Dividend Payout 0.17
HBSI's Dividend Payout is ranked higher than
81% of the 1287 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. HBSI: 0.17 )
Ranked among companies with meaningful Dividend Payout only.
HBSI' s 10-Year Dividend Payout Range
Min: 0  Med: 0.00 Max: 0
Current: 0.17
Yield on cost (5-Year) 3.95
HBSI's Yield on cost (5-Year) is ranked higher than
62% of the 2195 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.03 vs. HBSI: 3.95 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
HBSI' s 10-Year Yield on cost (5-Year) Range
Min: 0  Med: 0.00 Max: 3.87
Current: 3.95

Valuation & Return


Business Description

Industry: Banks » Banks - Regional - US
Compare: » details
Highlands Bankshares, Incorporated is a one-bank holding company organized under the laws of Virginia in 1995 and registered under the Bank Holding Company Act. The Company conducts its business operations through its wholly-owned bank subsidiary, Highlands Union Bank. It has two direct subsidiaries the Bank, and Highlands Capital Trust I 'HCTI', a statutory business trust. The Bank is a Virginia state chartered bank that was incorporated in 1985. The Bank operates a full-service banking business from its headquarters in Abingdon, Virginia, and its twelve area full service branch offices. The Bank offers general retail and commercial banking services to individuals, businesses and local government unit customers. These products and services include accepting deposits in the form of checking accounts, money market deposit accounts, interest-bearing demand deposit accounts, savings accounts and time deposits; making real estate, commercial, revolving, consumer, credit card and agricultural loans; offering letters of credit; providing other consumer financial services, such as automatic funds transfer, collections, night depository, safe deposit, travelers checks and savings bond sales; and providing other miscellaneous services normally offered by commercial banks. The Bank makes loans in all loan categories, including commercial, commercial and residential real estate, construction and consumer loans. The Company makes money by earning an interest rate spread between the interest rates it earns on loans and securities and interest rates it pays on deposits and other borrowed money. The Company also earns money through fees, service charges and other non-interest income. The Company plans to reduce the asset size of the bank in the next couple of years in an effort to increase its regulatory capital ratios. The Company plans to reduce its commercial real estate loan portfolio and its time deposits over the next several months. The Company also plans to make a concerted effort to reduce its non-performing assets. The banking and financial service business in the markets it serves is competitive. The increasingly competitive environment is a result of changes in regulation, changes in technology and product delivery systems and new competition from non-traditional financial services. The Bank competes for loans and deposits with other commercial banks, savings and loan associations, securities and brokerage companies, mortgage companies, money market funds, credit unions and other non-bank financial service providers. The Company and the Bank are subject to range of state and federal banking laws and regulations which impose specific requirements or restrictions on and provide for general regulatory oversight with respect to virtually all aspects of operations.

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