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Highlands Bankshares, Inc.
HBSIFinancial ServicesOTCUS
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Estimates, scoring, valuation assumptions, and peer comparison in one research surface.
Change the assumptions to see how revenue growth, margins, and exit multiples can move fair value.
| Year | Revenue | Margin | Profit | Free cash flow | Present value |
|---|---|---|---|---|---|
| 2026 | $37.31M | 15.8% | $5.89M | $4.10M | N/A |
| 2027 | $41.04M | 15.8% | $6.48M | $4.51M | $4.10M |
| 2028 | $45.14M | 15.8% | $7.13M | $4.97M | $4.10M |
| 2029 | $49.65M | 15.8% | $7.85M | $5.46M | $4.10M |
| 2030 | $54.62M | 15.8% | $8.63M | $6.01M | $4.10M |
| 2031 | $60.08M | 15.8% | $9.49M | $6.61M | $4.10M |
Projects EPS forward, applies an exit P/E, then discounts the result back to today.
| Base EPS | $4.47 | 2025-12-31 |
| EPS growth | +23.1% | Forecast years: 5 |
| Future EPS | $12.636 | EPS × (1 + G)^5 |
| Base P/E | 9.6 | P/E |
| Future price | $121.30 | Future EPS × P/E |
| Fair value today | $75.319 | PV @ 10.0% |
| 30% safety price | $52.723 | Margin of safety |
| 50% safety price | $37.66 | Margin of safety |
| Discount rate \\ Terminal growth | 1.5% | 2.5% | 3.5% |
|---|---|---|---|
| 9.0% | $74.095 | $81.766 | $92.226 |
| 10.0% | $66.348 | $72.003 | $79.399 |
| 11.0% | $60.241 | $64.547 | $70.002 |