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Highlands Bankshares, Inc. · OTC
Price: $45.32 · Annual div: $1.84/share · Frequency: quarterly · Payout ratio: 50% · Ex-div: TBD
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Year your monthly dividend income covers each expense (based on current settings)
$10,000 in HBSI → $10.72M in 10 years · $65.23/month
Highlands Bankshares, Inc. operates as the bank holding company for The Grant County Bank and Capon Valley Bank that provide various banking products and services for individuals and businesses. The company accepts checking, saving, money market, NOW, individual retirement, and club accounts; and insured cash sweep and CDARS interest-bearing deposits, 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 debit and credit cards, kasasa protect, automatic teller machines, business online banking and bill-pay, mobile banking, CardValet, POP money, telephone banking, direct deposits, remote deposit capture, bank-by-mail, certified and cashier's checks, foreign currency exchange, safe deposit box, and wire transfer services. Further, it offers merchant card processing services; and sells life and accident coverage insurance products. The company operates through ten locations in West Virginia and two locations in Virginia. Highlands Bankshares, Inc. was incorporated in 1984 and is based in Petersburg, West Virginia.
This calculation uses the DividendFlow Engine v6.0. Data is verified daily against SEC filings and FMP real-time feeds to ensure projection accuracy.
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Real after-tax yield depends on where you live and how you hold HBSI.
| Account/Country | Tax Rate | After-tax Yield | Real Yield | $10K Annual Income |
|---|---|---|---|---|
| 🇺🇸 Roth IRA / 401k | 0% | 4.06% | 1.26% | $406 / yr |
| 🇺🇸 US Taxable (15%) ✓ | 15% | 3.45% | 0.65% | $345 / yr |
| 🇺🇸 US Taxable (20%) | 20% | 3.25% | 0.45% | $325 / yr |
| 🇬🇧 UK ISA | 0% | 4.06% | 1.26% | $406 / yr |
| 🇬🇧 UK Taxable | 8.75% | 3.70% | 0.90% | $370 / yr |
| 🇨🇦 TFSA | 0% | 4.06% | 1.26% | $406 / yr |
| 🇨🇦 CA Taxable | 25% | 3.04% | 0.25% | $305 / yr |
| 🇦🇺 Super (pension) | 15% | 3.45% | 0.65% | $345 / yr |
| 🇦🇺 AU Taxable | 30% | 2.84% | 0.04% | $284 / yr |
| 🇩🇪 DE Taxable | 26.375% | 2.99% | 0.19% | $299 / yr |
| 🇫🇷 FR Taxable | 30% | 2.84% | 0.04% | $284 / yr |
Real yield = after-tax yield minus US CPI of 2.8%. 12-month CPI (US BLS via FMP economic-indicators). Click any row to select. US withholding tax (30%, reducible by treaty) applies to non-US residents holding US stocks in taxable accounts.
12-month CPI (US BLS via FMP economic-indicators).
Based on current dividend of $1.84/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
HBSI pays quarterly — 4 times per year. Next ex-div: TBD.
How HBSI compares to typical Financial Services averages.
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for HBSI sourced from FMP /financial-growth endpoint — real data, not estimates.
Altman Z-Score predicts bankruptcy risk. Piotroski F-Score measures financial strength across 9 criteria. High scores → lower dividend cut risk. Data via FMP financial statements.
Dividend yields, payout ratios, and financial metrics are sourced from Financial Modeling Prep (FMP) and cross-referenced with SEC EDGAR filings. Data is cached and updated every 24 hours via our nightly refresh. DRIP projections are forward-looking estimates, not guarantees.
Educational purposes only. Not financial advice. DividendFlow is not a registered investment advisor. Projections generated by the HBSI dividend calculator are estimates based on historical data and user inputs. Actual future returns, stock prices, and dividend payments will vary. Dividends can be cut or suspended at any time. All investments carry risk, including the loss of principal. Please consult a qualified financial professional before making any investment decisions. Full disclaimer →
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