Highlands Bankshares, Inc (HBSI) Fair Value & Analysis

Financial Services · US · Market cap $59.0M

A solid business, screening 21% undervalued on our models.

What matters now

• Solid quality (58/100) at a price below fair value, the discount is the argument here, not the business quality.
• For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Price vs Fair Value (5 years)

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 26, 2026.

How to read this chart

60‑month range $14.43 – $52.00 · fair‑value band $43.64 – $72.73 · the $48.00 price screens below the $58.18 fair value. Dashed = 300-day average. As of Jul 26, 2026.

Full chart & analysis →

Which stocks are undervalued right now? Check free Discover now →

Analysis

Highlands Bankshares, Inc (HBSI) currently trades at $48.00, while our model-based Fair Value estimate is $58.18, implying the stock looks roughly 21.2% undervalued today. The Quality Score stands at 58/100 (solid 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.

Over the trailing twelve months, Highlands Bankshares, Inc generated revenue of $23.8M at a net margin of 20.4%. Revenue grew 16.6% year over year. It earns a return on equity of 8.3%. Net debt stands at $3.8M. Fundamentals as of Jul 26, 2026

Our scenario range runs from $43.64 (bear case) to $72.73 (bull case); at $48.00, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades near its 52-week high and 43% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 42% fair-value upside, at 21%, HBSI screens richer than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.

Widest divergence: Multiples ($58.18) versus Dividend Discount ($16.77). Highest evidence: Residual Income (76).

Key figures & financial health

Quality Score breakdown

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.

Full company description

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, credit monitoring, safe deposit box, and money wire transfer services. Further, it offers sells life and accident coverage insurance products. The company operates through a network of branches in Grant, Hardy, Hampshire, Mineral, Pendleton, Randolph, and Tucker counties in West Virginia, including the towns of Petersburg, Keyser, Moorefield, Davis, and Wardensville, as well as the county of Frederick and the town of Stephens City. Highlands Bankshares, Inc. was incorporated in 1984 and is based in Petersburg, West Virginia.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

Highlands Bankshares, Inc reported revenue of $37.3M in FY2025 versus $21.8M in FY2021, a compound +14.4%/yr. Reported net income was $5.9M in FY2025, compounding +4.6%/yr from FY2021.

Watch HBSI: get an alert when its fair value changes →

Peer Group

Banks - Regional · 1083 stocks

How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.

Valuation Multiples vs Banks - Regional median · lower = cheaper

Snowflake

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Jul 26, 2026).

Explore undervalued stocks

More undervalued Financial Services stocks →

Frequently asked questions

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.