HBSI (Highlands Bankshares (WV)) Net Margin %: 19.65% (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) Net Margin %?

Highlands Bankshares (WV) HBSI -1.89% 12 Net Margin % is 19.65% as of Dec. 2018. GuruFocus rates HBSI with a GF Score™ of 12/100.

Net margin is calculated as Net Income divided by its Revenue. Highlands Bankshares (WV)'s Net Income for the six months ended in Dec. 2018 was $3.89 Mil. Highlands Bankshares (WV)'s Revenue for the six months ended in Dec. 2018 was $19.79 Mil. Therefore, Highlands Bankshares (WV)'s net margin for the quarter that ended in Dec. 2018 was 19.65%.

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


HBSI's Net Margin % is not ranked *
in the Banks industry.
Industry Median: 26.97
* Ranked among companies with meaningful Net Margin % only.

Highlands Bankshares (WV)  (OTCPK:HBSI) Net Margin % Explanation

Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.

But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.

Highlands Bankshares (WV) Net Margin % Related Terms

Highlands Bankshares (WV) Net Margin % Historical Data

* Premium members only.

The historical data trend for Highlands Bankshares (WV)'s Net 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) Net Margin % Chart

Highlands Bankshares (WV) Annual Data
Trend Dec08 Dec09 Dec10 Dec11 Dec13 Dec14 Dec15 Dec16 Dec17 Dec18
Net Margin %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 18.41 18.20 20.01 12.96 19.65

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
Net 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 18.41 18.20 20.01 12.96 19.65

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

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

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

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


HBSI
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Highlands Bankshares Inc (WV) HBSI
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Highlands Bankshares (WV) Net Margin % Calculation

Net margin - also known as net profit margin is the ratio of Net Income divided by net sales or Revenue, usually presented in percent.

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

Net Margin=Net Income (A: Dec. 2018 )/Revenue (A: Dec. 2018 )
=3.889/19.792
=19.65 %

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

Net Margin=Net Income (Q: Dec. 2018 )/Revenue (Q: Dec. 2018 )
=3.889/19.792
=19.65 %

* 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 Net Margin % →
What does a Net Margin % of 19.65% mean?
Highlands Bankshares (WV) (HBSI) has a Net Margin % of 19.65% as of Dec. 2018. Net margin is the ratio of total net income to net sales. View historical data on Highlands Bankshares (WV) and its competitors.
Is Highlands Bankshares (WV)'s Net Margin % too high?
Highlands Bankshares (WV)'s current Net Margin % is 19.65%. The Banks industry median Net Margin % is 26.97. Highlands Bankshares (WV)'s value of 19.65% is 27.1% 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 Net Margin % compare to LUMB and HLFN?
Highlands Bankshares (WV)'s Net Margin % of 19.65% can be compared against companies in the Banks industry. The industry median Net Margin % is 26.97. Highlands Bankshares (WV)'s value of 19.65% is 27.1% 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.97, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Highlands Bankshares (WV)'s current Net Margin % of 19.65% is 27.1% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Highlands Bankshares (WV) and its competitors. For the Banks industry, the median Net Margin % is 26.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Highlands Bankshares (WV)'s current Net Margin % is 19.65%. 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 Net Margin % of 19.65%. The current Net Margin % is 19.65% and 27.1% below the Banks industry median of 26.97. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Highlands Bankshares (WV) (HBSI), the current Net Margin % is 19.65% 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.
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