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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: 0.58 * Ranked among companies with meaningful Debt-to-Equity only.
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
Highlands Bankshares (WV) Debt-to-Equity Historical Data
* 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.
HBSI vs LUMB, HLFN, BSPA: Debt-to-Equity Comparison
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) Debt-to-Equity vs 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.
* 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.
Highlands Bankshares (WV) (HBSI) has a Debt-to-Equity of 0.20 as of Dec. 2018. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Highlands Bankshares (WV) and its competitors.
Is Highlands Bankshares (WV)'s Debt-to-Equity too high?
Highlands Bankshares (WV)'s current Debt-to-Equity is 0.20. The Banks industry median Debt-to-Equity is 0.58. Highlands Bankshares (WV)'s value of 0.20 is 65.5% below this industry median. Overall, Highlands Bankshares (WV) has a GF Score™ of 12/100, reflecting its overall financial health beyond just this single metric.
How does Highlands Bankshares (WV)'s Debt-to-Equity compare to LUMB and HLFN?
Highlands Bankshares (WV)'s Debt-to-Equity of 0.20 can be compared against companies in the Banks industry. The industry median Debt-to-Equity is 0.58. Highlands Bankshares (WV)'s value of 0.20 is 65.5% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.58, based on 1,410 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Highlands Bankshares (WV)'s current Debt-to-Equity of 0.20 is 65.5% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Highlands Bankshares (WV) and its competitors. For the Banks industry, the median Debt-to-Equity is 0.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Highlands Bankshares (WV)'s current Debt-to-Equity is 0.20. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Highlands Bankshares (WV) stock overvalued right now?
Highlands Bankshares (WV) (HBSI) has a current Debt-to-Equity of 0.20. The current Debt-to-Equity is 0.20 and 65.5% below the Banks industry median of 0.58. Highlands Bankshares (WV)'s overall GF Score™ is 12/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Highlands Bankshares (WV) (HBSI), the current Debt-to-Equity is 0.20 as of Dec. 2018. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
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.
12GF Score
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