Highlands Bankshares (WV) (Highlands Bankshares (WV)) Debt-to-Equity : 0.20 (As of Dec. 2018)

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What is Highlands Bankshares (WV) Debt-to-Equity?

Highlands Bankshares (WV)'s Short-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2018 was $0.00 Mil. Highlands Bankshares (WV)'s Long-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2018 was $10.49 Mil. Highlands Bankshares (WV)'s Total Stockholders Equity for the quarter that ended in Dec. 2018 was $53.28 Mil. Highlands Bankshares (WV)'s debt to equity for the quarter that ended in Dec. 2018 was 0.20.

A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.

The historical rank and industry rank for Highlands Bankshares (WV)'s Debt-to-Equity or its related term are showing as below:

HBSI's Debt-to-Equity is not ranked ^*
in the Banks industry.
Industry Median: 0.69
* Ranked among companies with meaningful Debt-to-Equity only.

Highlands Bankshares (WV) Debt-to-Equity Historical Data

The historical data trend for Highlands Bankshares (WV)'s Debt-to-Equity can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

Highlands Bankshares (WV) Debt-to-Equity Chart

Highlands Bankshares (WV) Annual Data

Trend

Dec08

Dec09

Dec10

Dec11

Dec13

Dec14

Dec15

Dec16

Dec17

Dec18

Debt-to-Equity

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0.08

0.12

0.14

0.10

0.20

Highlands Bankshares (WV) Semi-Annual Data
	Dec98	Dec99	Dec00	Dec01	Dec02	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec13	Dec14	Dec15	Dec16	Dec17	Dec18
Debt-to-Equity	Get a 7-Day Free Trial															0.08	0.12	0.14	0.10	0.20

Competitive Comparison of Highlands Bankshares (WV)'s Debt-to-Equity

For the Banks - Regional subindustry, Highlands Bankshares (WV)'s Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Highlands Bankshares (WV)'s Debt-to-Equity Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Highlands Bankshares (WV)'s Debt-to-Equity distribution charts can be found below:

* The bar in red indicates where Highlands Bankshares (WV)'s Debt-to-Equity falls into.

Highlands Bankshares (WV) Debt-to-Equity Calculation

Debt to Equity measures the financial leverage a company has.

Highlands Bankshares (WV)'s Debt to Equity Ratio for the fiscal year that ended in Dec. 2018 is calculated as

Debt to Equity	=	Total Debt			/	Total Stockholders Equity
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	Total Stockholders Equity
	=	(0	+	10.492)	/	53.28
	=	0.20

Highlands Bankshares (WV)'s Debt to Equity Ratio for the quarter that ended in Dec. 2018 is calculated as

Debt to Equity	=	Total Debt			/	Total Stockholders Equity
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	Total Stockholders Equity
	=	(0	+	10.492)	/	53.28
	=	0.20

Highlands Bankshares (WV) (OTCPK:HBSI) Debt-to-Equity Explanation

In the calculation of Debt to Equity, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by Total Stockholders Equity. In some calculations, Total Liabilities is used to for calculation.

Be Aware

Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.

Highlands Bankshares (WV) Debt-to-Equity Related Terms

Thank you for viewing the detailed overview of Highlands Bankshares (WV)'s Debt-to-Equity provided by GuruFocus.com. Please click on the following links to see related term pages.

Highlands Bankshares (WV) (Highlands Bankshares (WV)) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Highlands Bankshares Inc (WV) (OTCPK:HBSI) » Definitions » Debt-to-Equity

Comparable Companies

Traded in Other Exchanges

N/A

Address

3 North Main Street, P.O. Box 929, Petersburg, WV, USA, 26847

Website

https://www.highlandsbankshares.com

Highlands Bankshares Inc (WV) operates as a holding company, which engages in the provision of financial and banking services through its subsidiaries. It offers a variety of services, including commercial and individual demand and time deposit accounts, commercial and individual loans, drive-in banking services, and automatic teller machine banking. The banks provide services to customers located mainly in Grant, Hardy, Hampshire, Mineral, Pendleton, Randolph, and Tucker counties of West Virginia, including the towns of Petersburg, Keyser, Moorefield, Davis, and Wardensville.

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