Fairvalue-Calculator Fairvalue-Calculator
EN DE

Highlands Bankshares, Inc (HBSI) Fair Value & Analysis

Financial Services · US · Market cap $59.0M

Price$44.70
Fair Value$58.18
Upside+30.2%
Quality95/100
Evidence: High Range $43.64 – $72.73

Fair value as of: Jun 26, 2026

✦ Find undervalued quality stocks — 34,000+ analysed Find stocks →

Analysis

Highlands Bankshares, Inc (HBSI) currently trades at $44.70, while our model-based Fair Value estimate is $58.18 — implying the stock looks roughly 30.2% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

About the company

Highlands Bankshares, Inc. operates as the bank holding company for The Grant County Bank and Capon Valley Bank that provides various banking products and services for individuals and businesses. The company accepts checking, saving, club accounts, money market, plateau premium investment checking, and individual retirement accounts; and insured cash sweep and CDARS, as well as certificates of deposit. It also offers personal and business loans, such as home mortgage and equity, land and lot, mobile home, auto, personal and business term, agriculture, equipment, and commercial real estate loans, as well as business lines of credit. In addition, the company provides investment checking, debit and credit cards, kasasa protect, automatic teller machines, business online banking and bill-pay, mobile and telephone banking, direct deposits, merchant cards, remote deposit capture, bank-by-mail, certified and cashier's checks, foreign currency exchange, GCB card secure, notify alerts, credi…

Open the full interactive analysis →

Similar stocks

HDFC Bank Limited (HDFCBANK) +77% PT Bank Central Asia Tbk (BBCA) +15% KB Financial Group (105560) +12% PT Bank Rakyat Indonesia (Persero) Tbk (BBRI) +100% Banco Bradesco S.A (BBD) +100% Shinhan Financial Group (055550) +21%

Frequently asked questions

Is Highlands Bankshares, Inc (HBSI) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $58.18 versus a price of $44.70 — about +30% (undervalued). Model-based estimate, not financial advice.
What is the fair value of HBSI?
Our 21-model fair value for Highlands Bankshares, Inc is $58.18 (as of Jun 26, 2026), built from audited fundamentals. The current price is $44.70.
What is the quality score of HBSI?
Highlands Bankshares, Inc has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.