HBSI (Highlands Bankshares (WV)) GF Score: 12/100 (As of Jul. 09, 2026) — 66% Below Median


HBSI Highlands Bankshares Inc (WV) HBSI
12 GF Score
Price $45.00
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What is Highlands Bankshares (WV) GF Score?

Highlands Bankshares (WV) HBSI 12 GF Score is 12 as of Jul. 09, 2026, which is 66% below its 10-year median of 35.00. GuruFocus rates HBSI with a GF Score™ of 12/100.

Highlands Bankshares (WV) has the GF Score of 12, which implies that the company might have Worst future performance potential, or not enough data.

The GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation, which has been found to be closely correlated to the long-term performances of stocks by backtesting from 2006 to 2021. The stocks with a higher GF Score generally generate higher returns than those with lower GF Scores. Therefore, when picking stocks, investors should invest in companies with high GF Scores. The GF Score ranges from 0 to 100, with 100 as the highest rank.

GF Score takes following five key aspects into consideration:

1. Financial Strength : 0/10
2. Profitability Rank : 0/10
3. Growth Rank : 0/10
4. GF Value Rank : 2/10
5. Momentum Rank : 0/10

Each one of these components is ranked and the ranks also have positive correlation with the long term performances of stocks. The GF score is calculated using the five key aspects of analysis. Through backtesting, we know that each of these key aspects has a different impact on the stock price performance. Thus, they are weighted differently when calculating the total score. The Profitability Rank and the Growth Rank are weighted fully, while other parameters have less weight.

Based on research and backtesting result, GuruFocus believes Highlands Bankshares (WV) might have Worst future performance potential, or not enough data.

Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.

Highlands Bankshares (WV)  (OTCPK:HBSI) GF Score Explanation

Based on the historical long-term performances among five valuation aspects, the GF Score is found to be closely correlated to the long-term performances of stocks. It ranges from 0 to 100, with 100 as the highest. GuruFocus divided GF Score into following 5 categories:

GF Score Performance Potential and All-in-One Screener Examples (1)
91 - 100Highest outperformance potential
81 - 90Good outperformance potential
71 - 80Likely to have average performance
51 - 70Poor future performance potential
0 - 50Worst future performance potential, or not enough data

(1) These are some simple examples. You can access our GF Score filter under All-in-One Screener’s Fundamental tab.

Highlands Bankshares (WV) GF Score Related Terms

HBSI vs LUMB, HLFN, BSPA: GF Score Comparison

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

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

* The bar in red indicates where Highlands Bankshares (WV)'s GF Score falls into.


HBSI
12GF Score
Highlands Bankshares Inc (WV) HBSI
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Frequently Asked Questions Learn more about GF Score →
What does a GF Score of 12 mean?
Highlands Bankshares (WV) (HBSI) has a GF Score of 12 as of Jul. 09, 2026. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on Highlands Bankshares (WV) and its competitors. This is 66% below median its historical median of 35.00. Over the past decade, Highlands Bankshares (WV)'s GF Score has ranged from 8.00 to 62.00.
Is Highlands Bankshares (WV)'s GF Score too high?
Highlands Bankshares (WV)'s current GF Score of 12 is 66% below median its 10-year median of 35.00. Over the past 10 years, this metric has ranged from a low of 8.00 to a high of 62.00. 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 GF Score compare to LUMB and HLFN?
Highlands Bankshares (WV)'s GF Score of 12 can be compared against companies in the Banks industry. Historically, Highlands Bankshares (WV)'s own GF Score has ranged from 8.00 to 62.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good GF Score for a Banks company?
A good GF Score depends on the Banks industry context. However, GF Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high GF Score mean?
A high GF Score can signal that a stock is expensive relative to its fundamentals. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on Highlands Bankshares (WV) and its competitors. Highlands Bankshares (WV)'s current GF Score is 12, which is 66% below median its own 10-year median of 35.00. 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 GF Score of 12. The current GF Score is 12, which is 66% below median its 10-year median of 35.00. 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 GF Score calculated?
GF Score is calculated from a company's financial statements. For Highlands Bankshares (WV) (HBSI), the current GF Score is 12 as of Jul. 09, 2026. 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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