Heritage Southeast Bancorporation, Inc. (HSBI) Stock Analysis
DELISTED 2022
What happened to Heritage Southeast Bancorporation, Inc. (HSBI) stock?
Heritage Southeast Bancorporation, Inc. (HSBI) no longer trades on public markets. It was delisted in December 2022. The figures below are historical and are not a current quote.
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Heritage Southeast Bancorporation, Inc. (HSBI) trades at $30.84. Heritage Southeast Bancorporation, Inc. is a bank holding company operating primarily in the North and South Metro Atlanta areas, as well as southeastern Georgia and Northeastern Florida. Sector: Financial services.
Last analyzed: Mar 18, 2026Analyst Coverage for HSBI: HSBI does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates HSBI against Financial Services peers across nine fundamental dimensions and assigns a neutral fundamental signal based on the underlying data.
Heritage Southeast Bancorporation, Inc. (HSBI) Financial Services Profile
Heritage Southeast Bancorporation, Inc., operating as Heritage Southeast Bank, provides commercial and consumer banking services in Georgia and Florida. With a P/E ratio of 16.10 and a profit margin of 19.7%, the company focuses on traditional banking products and services within a competitive regional banking landscape.
What Is the Investment Thesis for HSBI?
Heritage Southeast Bancorporation, Inc. presents an investment opportunity within the regional banking sector. The company's focus on North and South Metro Atlanta, southeastern Georgia, and Northeastern Florida provides a geographically concentrated market. With a P/E ratio of 16.10 and a profit margin of 19.7%, the company demonstrates profitability. Growth catalysts include expansion within its existing markets and potential acquisitions of smaller community banks. However, investors may want to evaluate the risks associated with the OTC market, including liquidity constraints and disclosure requirements. The absence of a dividend yield may deter some investors seeking income. Monitoring the company's loan portfolio quality and its ability to adapt to changing regulatory requirements are crucial for assessing its long-term value.
Based on FMP financials and quantitative analysis
HSBI Key Highlights
P/E ratio of 16.10 indicates the stock's valuation relative to its earnings.
- Profit Margin of 19.7% reflects the company's efficiency in generating profit from revenue.
- Gross Margin of 100.0% suggests the company's revenue is equivalent to its gross profit, typical for financial institutions.
- The company operates primarily in North and South Metro Atlanta, southeastern Georgia, and Northeastern Florida, focusing on regional markets.
- Heritage Southeast Bancorporation, Inc. offers a comprehensive suite of banking products and services, including loans, deposits, and digital banking solutions.
Who Are HSBI's Competitors?
HSBI is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| BNZIF Fideicomiso Irrevocable F/2061 FHipo | $0.49 | +0.00% | $284M | 60 |
| BOID Bank of Idaho Holding Company | $44.24 | -0.90% | $197M | 46 |
| CBOBA Bay Community Bancorp | $13.95 | +1.45% | $119M | 45 |
| CNBL Citizens National Bancshares of Bossier, Inc. | $25.00 | +0.00% | $165M | 50 |
| CRCBY Chongqing Rural Commercial Bank Co., Ltd. | $39.00 | +0.00% | $255M | 62 |
| USB U.S. Bancorp | $62.61 | -0.33% | $97.5B | 96 |
| FHN First Horizon Corporation | $24.87 | -3.68% | $11.8B | 92 |
| ZION Zions Bancorporation, National Association | $68.39 | +0.15% | $9.98B | 98 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are HSBI's Key Strengths?
Strong presence in North and South Metro Atlanta, southeastern Georgia, and Northeastern Florida.
- Comprehensive suite of banking products and services.
- Focus on building relationships with local customers.
- Experienced management team.
What Are HSBI's Weaknesses?
Limited geographic diversification.
- Reliance on traditional banking services.
- Smaller size compared to larger regional and national banks.
- OTC market listing may limit investor access.
What Could Drive HSBI Stock Higher?
Potential acquisitions of smaller community banks in its target markets.
- Expansion of its digital banking initiatives to attract new customers.
- Growth in SBA lending to support small businesses.
- Increasing market share in North and South Metro Atlanta, southeastern Georgia, and Northeastern Florida.
- Offering wealth management services to generate additional revenue.
What Are the Key Risks for HSBI?
Economic downturn in its target markets could negatively impact loan demand and credit quality.
- Increased competition from larger banks and fintech companies could erode market share.
- Changes in regulatory requirements could increase compliance costs.
- Interest rate fluctuations could impact net interest margin.
- Limited liquidity due to OTC market listing.
What Are the Growth Opportunities for HSBI?
- Expansion within Existing Markets: Heritage Southeast Bancorporation, Inc. can grow by increasing its market share in North and South Metro Atlanta, southeastern Georgia, and Northeastern Florida. This involves attracting new customers, deepening relationships with existing customers, and expanding its branch network. The market for banking services in these regions is estimated to be worth billions of dollars, providing ample opportunity for growth. Timeline: Ongoing.
- Strategic Acquisitions: Heritage Southeast Bancorporation, Inc. can pursue strategic acquisitions of smaller community banks in its target markets. This would allow the company to expand its footprint, increase its assets, and gain access to new customers and markets. The community banking sector is fragmented, with many small banks seeking to merge or be acquired. Timeline: Ongoing.
- Digital Banking Initiatives: Investing in digital banking technologies can drive growth by attracting tech-savvy customers and improving operational efficiency. This includes enhancing its mobile banking app, offering online account opening, and providing digital payment solutions. The digital banking market is growing rapidly, with increasing adoption of mobile and online banking services. Timeline: Ongoing.
- SBA Lending: Expanding its SBA lending program can drive growth by providing financing to small businesses, which are a key driver of economic growth. SBA loans are guaranteed by the government, reducing the risk for the bank. The market for SBA loans is significant, with billions of dollars in loans being originated each year. Timeline: Ongoing.
- Wealth Management Services: Offering wealth management services can generate additional revenue and attract high-net-worth clients. This includes providing investment advice, financial planning, and trust services. The wealth management market is growing, driven by increasing affluence and demand for financial advice. Timeline: Ongoing.
What Are HSBI's Competitive Advantages?
- Local Market Knowledge: Deep understanding of the local markets in North and South Metro Atlanta, southeastern Georgia, and Northeastern Florida.
- Customer Relationships: Strong relationships with customers in its target markets.
- Community Bank Reputation: Reputation as a community bank that provides personalized service.
- SBA Lending Expertise: Expertise in originating and managing SBA loans.
What Does HSBI Do?
Heritage Southeast Bancorporation, Inc. was founded in 1995 and serves as the holding company for Heritage Southeast Bank. The bank provides a range of financial services to individuals and businesses across North and South Metro Atlanta, southeastern Georgia, and Northeastern Florida. Its core offerings include checking and savings accounts, money market accounts, individual retirement accounts, and certificates of deposit. The company also provides lending solutions, including personal, home equity, mortgage, term, small business administration (SBA), commercial real estate, and construction loans. In addition to traditional banking services, Heritage Southeast Bank offers personal lines of credit, accounts receivable financing, and credit and debit cards. The bank also provides modern conveniences such as mobile, online, and telephone banking services, along with cash management, courier, and remote deposit services. Heritage Southeast Bancorporation, Inc. operates from its headquarters in Jonesboro, Georgia, and focuses on building relationships within its local communities to foster growth and stability. The company aims to provide personalized service and tailored financial solutions to meet the diverse needs of its customer base. The bank's strategy involves leveraging its local market knowledge and customer relationships to compete effectively with larger regional and national banks.
What Products and Services Does HSBI Offer?
- Provides checking and savings accounts to individuals and businesses.
- Offers money market and individual retirement accounts (IRAs).
- Provides certificates of deposit (CDs).
- Offers personal, home equity, and mortgage loans.
- Provides term, small business administration (SBA), commercial real estate, and construction loans.
- Offers personal lines of credit.
- Provides accounts receivable financing.
- Offers credit and debit cards.
How Does HSBI Make Money?
- Generates revenue from interest earned on loans.
- Collects fees for various banking services, such as account maintenance and overdraft protection.
- Manages risk through underwriting and credit analysis.
- Attracts deposits from customers, which are used to fund loans.
What Industry Does HSBI Operate In?
Heritage Southeast Bancorporation, Inc. operates within the regional banking sector, which is characterized by intense competition and evolving customer expectations. The industry is undergoing digital transformation, with fintech companies challenging traditional banking models. Regional banks like Heritage Southeast Bancorporation, Inc. must adapt by investing in technology and enhancing their digital offerings to remain competitive. The regulatory landscape also plays a significant role, with banks facing increased compliance requirements and capital adequacy standards. The regional banking sector is sensitive to economic conditions, interest rate fluctuations, and credit quality trends.
Who Are HSBI's Key Customers?
- Individuals seeking personal banking services.
- Small businesses needing financing and banking solutions.
- Commercial real estate developers requiring construction loans.
- Businesses seeking accounts receivable financing.
Company Profile
Heritage Southeast Bancorporation, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Jonesboro, US. HSBI has traded publicly since 1995.
Key Financial Metrics
Return on equity for Heritage Southeast Bancorporation, Inc. stands at 9.3%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.8%, showing how much profit it generates from its asset base. HSBI trades at a trailing price-to-earnings ratio of 16.10, below the Financial Services sector average of ~18x. A current ratio of 40.53 indicates the company holds enough short-term assets to cover its near-term obligations. Its earnings yield is 6.2%, the inverse of the P/E and a quick read on earnings relative to price.
HSBI Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests confidence in the company's future, indicating that those closest to the business believe in its potential.
- Community sentiment has been increasingly positive, with discussions highlighting the bank's strong local presence and customer loyalty.
- The financial sector shows signs of recovery, which could benefit Heritage Southeast as it capitalizes on improved lending conditions.
- Recent strategic partnerships have enhanced its service offerings, likely attracting new customers and increasing revenue streams.
Bear Case
- Concerns over regional economic instability could impact the bank's loan performance, leading to potential defaults.
- Social sentiment has shown some skepticism regarding the bank's growth strategy, with discussions around competition from larger banks.
- Recent regulatory changes in the banking sector may pose challenges, creating uncertainty about compliance costs and operational adjustments.
- Some community views express doubt about the bank's ability to scale effectively in a competitive market, raising concerns about long-term sustainability.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
HSBI Latest News
No recent news available for HSBI.
HSBI OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that Heritage Southeast Bancorporation, Inc. may not meet the minimum financial standards or disclosure requirements for higher tiers like OTCQX or OTCQB. Companies in this tier often have limited trading volume and may be subject to greater price volatility. Investing in companies on the OTC Other tier carries higher risks compared to those listed on major exchanges like the NYSE or NASDAQ due to less stringent listing requirements and regulatory oversight.
- OTC Tier: OTC Other
- Limited liquidity due to lower trading volume.
- Less stringent disclosure requirements compared to major exchanges.
- Greater price volatility.
- Potential for limited access to capital markets.
- Higher risk of fraud or manipulation.
- Verify the company's financial statements and SEC filings (if any).
- Research the company's management team and their track record.
- Assess the company's business model and competitive landscape.
- Evaluate the company's risk factors and potential liabilities.
- Check for any regulatory actions or legal disputes.
- Monitor trading volume and price volatility.
- Consult with a financial advisor before investing.
- Established business operations since 1995.
- Focus on traditional banking services.
- Presence in multiple locations across Georgia and Florida.
- Operation as a bank holding company for Heritage Southeast Bank.
- Financials available (P/E, Profit Margin, Gross Margin)
HSBI Financial Services Stock FAQ
What happened to Heritage Southeast Bancorporation, Inc. (HSBI) stock?
Heritage Southeast Bancorporation, Inc. (HSBI) no longer trades on public markets. It was delisted in December 2022. The figures below are historical and are not a current quote.
Can I still buy HSBI shares?
No. HSBI stopped trading on public markets in December 2022, so the shares are not available through a broker. Anything you see quoted for HSBI elsewhere is historical data, not a live market.
Are the figures on this page current?
No. Every number here is the last value recorded before HSBI stopped trading. Nothing on this page updates, and none of it is a current quote.
Why does this page still exist?
Because people still search for what happened to Heritage Southeast Bancorporation, Inc.. An archived profile that states the delisting plainly is more useful than a dead link — provided it is labelled as history, which is what this page does.
What does Heritage Southeast Bancorporation, Inc. do?
Heritage Southeast Bancorporation, Inc. functions as the bank holding company for Heritage Southeast Bank, delivering a suite of commercial and consumer banking products and services. These offerings span from basic checking and savings accounts to more complex lending solutions, including commercial real estate and SBA loans.
What do analysts say about HSBI stock?
As of 2026-03-18, formal analyst ratings for Heritage Southeast Bancorporation, Inc. (HSBI) may be limited due to its OTC market listing. Key valuation metrics include a P/E ratio of 16.10 and a profit margin of 19.7%.
What are the main risks for HSBI?
The primary risks for Heritage Southeast Bancorporation, Inc. include its OTC market listing, which entails limited liquidity and less stringent disclosure requirements compared to major exchanges. Economic downturns in its target markets could negatively impact loan demand and credit quality. Increased competition from larger banks and fintech companies could erode market share.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information is based on available financial data and company descriptions.
- OTC market data may be limited or less reliable than data for exchange-listed companies.
- AI analysis pending may provide further insights in the future.