HBSI (Highlands Bankshares (WV)) FCF Margin %: 24.33% (As of Dec. 2018)


HBSI Highlands Bankshares Inc (WV) HBSI
12 GF Score
Price $44.70
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What is Highlands Bankshares (WV) FCF Margin %?

Highlands Bankshares (WV) HBSI -1.89% 12 FCF Margin % is 24.33% as of Dec. 2018. GuruFocus rates HBSI with a GF Score™ of 12/100.

FCF Margin % is calculated as Free Cash Flow divided by its Revenue. Highlands Bankshares (WV)'s Free Cash Flow for the six months ended in Dec. 2018 was $4.82 Mil. Highlands Bankshares (WV)'s Revenue for the six months ended in Dec. 2018 was $19.79 Mil. Therefore, Highlands Bankshares (WV)'s FCF Margin % for the quarter that ended in Dec. 2018 was 24.33%.

As of today, Highlands Bankshares (WV)'s current FCF Yield % is 0.00%.

The historical rank and industry rank for Highlands Bankshares (WV)'s FCF Margin % or its related term are showing as below:

HBSI' s FCF Margin % Range Over the Past 10 Years
Min: 0   Med: 0   Max: 0
Current: 24.33

HBSI's FCF Margin % is not ranked
in the Banks industry.
Industry Median: 26.55 vs HBSI: 24.33

Highlands Bankshares (WV) FCF Margin % Related Terms

Highlands Bankshares (WV) FCF Margin % Historical Data

* Premium members only.

The historical data trend for Highlands Bankshares (WV)'s FCF Margin % 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.

Highlands Bankshares (WV) FCF Margin % Chart

Highlands Bankshares (WV) Annual Data
Trend Dec08 Dec09 Dec10 Dec11 Dec13 Dec14 Dec15 Dec16 Dec17 Dec18
FCF Margin %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 23.97 15.55 16.63 5.60 24.33

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
FCF Margin % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 23.97 15.55 16.63 5.60 24.33

HBSI vs LUMB, HLFN, BSPA: FCF Margin % Comparison

For the Banks - Regional subindustry, Highlands Bankshares (WV)'s FCF Margin %, along with its competitors' market caps and FCF Margin % 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) FCF Margin % vs Banks Industry

For the Banks industry and Financial Services sector, Highlands Bankshares (WV)'s FCF Margin % distribution charts can be found below:

* The bar in red indicates where Highlands Bankshares (WV)'s FCF Margin % falls into.


HBSI
12GF Score
Highlands Bankshares Inc (WV) HBSI
FCF Margin % is just one metric. See GF Score™, valuation, warning signs, and more.
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Highlands Bankshares (WV) FCF Margin % Calculation

FCF margin is the ratio of Free Cash Flow divided by net sales or Revenue, usually presented in percent.

Highlands Bankshares (WV)'s FCF Margin for the fiscal year that ended in Dec. 2018 is calculated as

FCF Margin=Free Cash Flow (A: Dec. 2018 )/Revenue (A: Dec. 2018 )
=4.815/19.792
=24.33 %

Highlands Bankshares (WV)'s FCF Margin for the quarter that ended in Dec. 2018 is calculated as

FCF Margin=Free Cash Flow (Q: Dec. 2018 )/Revenue (Q: Dec. 2018 )
=4.815/19.792
=24.33 %

* 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.

Frequently Asked Questions Learn more about FCF Margin % →
What does a FCF Margin % of 24.33% mean?
Highlands Bankshares (WV) (HBSI) has a FCF Margin % of 24.33% as of Dec. 2018. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Highlands Bankshares (WV) and its competitors.
Is Highlands Bankshares (WV)'s FCF Margin % too high?
Highlands Bankshares (WV)'s current FCF Margin % is 24.33%. The Banks industry median FCF Margin % is 26.55. Highlands Bankshares (WV)'s value of 24.33% is 8.4% 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 FCF Margin % compare to LUMB and HLFN?
Highlands Bankshares (WV)'s FCF Margin % of 24.33% can be compared against companies in the Banks industry. The industry median FCF Margin % is 26.55. Highlands Bankshares (WV)'s value of 24.33% is 8.4% 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.55, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Highlands Bankshares (WV)'s current FCF Margin % of 24.33% is 8.4% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Highlands Bankshares (WV) and its competitors. For the Banks industry, the median FCF Margin % is 26.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Highlands Bankshares (WV)'s current FCF Margin % is 24.33%. 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 FCF Margin % of 24.33%. The current FCF Margin % is 24.33% and 8.4% below the Banks industry median of 26.55. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Highlands Bankshares (WV) (HBSI), the current FCF Margin % is 24.33% 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 (WV) Business Description

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