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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 5/10

vs
industry
vs
history
Cash to Debt 0.13
HBIA's Cash to Debt is ranked lower than
91% of the 1421 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.30 vs. HBIA: 0.13 )
Ranked among companies with meaningful Cash to Debt only.
HBIA' s Cash to Debt Range Over the Past 10 Years
Min: 0.06  Med: 0.17 Max: N/A
Current: 0.13
Equity to Asset 0.11
HBIA's Equity to Asset is ranked higher than
55% of the 1603 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. HBIA: 0.11 )
Ranked among companies with meaningful Equity to Asset only.
HBIA' s Equity to Asset Range Over the Past 10 Years
Min: 0.07  Med: 0.08 Max: 0.13
Current: 0.11
0.07
0.13
Interest Coverage 2.67
HBIA's Interest Coverage is ranked higher than
63% of the 1537 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. HBIA: 2.67 )
Ranked among companies with meaningful Interest Coverage only.
HBIA' s Interest Coverage Range Over the Past 10 Years
Min: 0.45  Med: 1.36 Max: 2.73
Current: 2.67
0.45
2.73
F-Score: 4
M-Score: -2.61
WACC vs ROIC
2.47%
6.10%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 7/10

vs
industry
vs
history
Operating margin (%) 42.69
HBIA's Operating margin (%) is ranked higher than
76% of the 1633 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.85 vs. HBIA: 42.69 )
Ranked among companies with meaningful Operating margin (%) only.
HBIA' s Operating margin (%) Range Over the Past 10 Years
Min: 27.2  Med: 39.65 Max: 42.98
Current: 42.69
27.2
42.98
Net-margin (%) 29.55
HBIA's Net-margin (%) is ranked higher than
71% of the 1632 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.26 vs. HBIA: 29.55 )
Ranked among companies with meaningful Net-margin (%) only.
HBIA' s Net-margin (%) Range Over the Past 10 Years
Min: 20.03  Med: 27.86 Max: 30.6
Current: 29.55
20.03
30.6
ROE (%) 10.53
HBIA's ROE (%) is ranked higher than
66% of the 1628 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.38 vs. HBIA: 10.53 )
Ranked among companies with meaningful ROE (%) only.
HBIA' s ROE (%) Range Over the Past 10 Years
Min: 10.47  Med: 11.72 Max: 14.66
Current: 10.53
10.47
14.66
ROA (%) 1.18
HBIA's ROA (%) is ranked higher than
69% of the 1639 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. HBIA: 1.18 )
Ranked among companies with meaningful ROA (%) only.
HBIA' s ROA (%) Range Over the Past 10 Years
Min: 0.82  Med: 1.19 Max: 1.36
Current: 1.18
0.82
1.36
Revenue Growth (3Y)(%) 3.80
HBIA's Revenue Growth (3Y)(%) is ranked higher than
54% of the 1341 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.20 vs. HBIA: 3.80 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
HBIA' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -2.1  Med: 7.9 Max: 13.7
Current: 3.8
-2.1
13.7
EBITDA Growth (3Y)(%) 3.10
HBIA's EBITDA Growth (3Y)(%) is ranked lower than
59% of the 1228 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.90 vs. HBIA: 3.10 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
HBIA' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -2.7  Med: 6.15 Max: 22.4
Current: 3.1
-2.7
22.4
EPS Growth (3Y)(%) 2.30
HBIA's EPS Growth (3Y)(%) is ranked lower than
66% of the 1205 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. HBIA: 2.30 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
HBIA' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -1.7  Med: 7.1 Max: 24
Current: 2.3
-1.7
24
» HBIA's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow
Oprt. Cash Flow & Net Income

» Details

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Business Description

Industry: Banks » Banks - Regional - US
Compare:NAS:PEBO, NAS:AROW, NAS:MBWM, NAS:SNBC, NAS:HBNC, NAS:CUNB, NAS:TSC, NYSE:SCNB, NAS:FCBC, NAS:FFWM, NAS:PSTB, NAS:QCRH, NAS:GBNK, NAS:BHBK, NAS:LION, NAS:FISI, NAS:CACB, NAS:ACBI, NAS:FBNC, NYSE:BNK » details
Hills Bancorp is a holding company. The Company through its banking subsidiary is engaged in providing commercial banking services including acceptance of demand, savings and time deposits, making commercial, real estate, agricultural and consumer loans.

Hills Bancorporation was incorporated in the State of Iowa on December 12, 1982. It is a holding company, through its subsidiary bank it is engaged in the business of banking. The Bank is a full-service commercial bank extending its services to individuals, businesses, governmental units and institutional customers. The Bank is actively engaged in all areas of commercial banking, including acceptance of demand, savings and time deposits; making commercial, real estate, agricultural and consumer loans; maintaining night and safe deposit facilities; and performing collection, exchange and other banking services tailored for individual customers. The Bank administers estates, personal trusts, and pension plans and provides farm management, investment advisory and custodial services for individuals, corporations and nonprofit organizations. In addition, the Bank earns substantial fees from originating mortgages that are sold in the secondary residential real estate market without mortgage servicing rights being retained. The Bank's real estate loans include construction loans and mortgage loans. The Bank offers residential, commercial and agricultural real estate loans. The Bank's commercial and financial loans include loans to contractors, retailers and other businesses. Agricultural loans include loans made to finance agricultural production and other loans to farmers and farming operations. The Bank offers consumer loans including personal loans and automobile loans. As a bank holding company, the Company is subject to regulation by, the Federal Reserve under the Bank Holding Company Act.

Ratios

vs
industry
vs
history
P/E(ttm) 14.54
HBIA's P/E(ttm) is ranked lower than
56% of the 1488 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.25 vs. HBIA: 14.54 )
Ranked among companies with meaningful P/E(ttm) only.
HBIA' s P/E(ttm) Range Over the Past 10 Years
Min: 10.13  Med: 13.95 Max: 24.58
Current: 14.54
10.13
24.58
PE(NRI) 14.54
HBIA's PE(NRI) is ranked lower than
56% of the 1488 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.29 vs. HBIA: 14.54 )
Ranked among companies with meaningful PE(NRI) only.
HBIA' s PE(NRI) Range Over the Past 10 Years
Min: 10.08  Med: 13.95 Max: 24.58
Current: 14.54
10.08
24.58
Price/Owner Earnings (ttm) 18.06
HBIA's Price/Owner Earnings (ttm) is ranked lower than
73% of the 830 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.71 vs. HBIA: 18.06 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
HBIA' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 8.77  Med: 13.97 Max: 24.31
Current: 18.06
8.77
24.31
P/B 1.52
HBIA's P/B is ranked lower than
77% of the 1591 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. HBIA: 1.52 )
Ranked among companies with meaningful P/B only.
HBIA' s P/B Range Over the Past 10 Years
Min: 1.22  Med: 1.49 Max: 2.65
Current: 1.52
1.22
2.65
P/S 4.29
HBIA's P/S is ranked lower than
74% of the 1588 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.92 vs. HBIA: 4.29 )
Ranked among companies with meaningful P/S only.
HBIA' s P/S Range Over the Past 10 Years
Min: 2.81  Med: 4.12 Max: 7.31
Current: 4.29
2.81
7.31
PFCF 16.32
HBIA's PFCF is ranked lower than
72% of the 803 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.53 vs. HBIA: 16.32 )
Ranked among companies with meaningful PFCF only.
HBIA' s PFCF Range Over the Past 10 Years
Min: 5.87  Med: 13.47 Max: 30.84
Current: 16.32
5.87
30.84
POCF 14.03
HBIA's POCF is ranked lower than
73% of the 905 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.13 vs. HBIA: 14.03 )
Ranked among companies with meaningful POCF only.
HBIA' s POCF Range Over the Past 10 Years
Min: 5.68  Med: 11.66 Max: 24.51
Current: 14.03
5.68
24.51
EV-to-EBIT 15.88
HBIA's EV-to-EBIT is ranked lower than
61% of the 1293 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.80 vs. HBIA: 15.88 )
Ranked among companies with meaningful EV-to-EBIT only.
HBIA' s EV-to-EBIT Range Over the Past 10 Years
Min: 10.3  Med: 13.7 Max: 19.7
Current: 15.88
10.3
19.7
EV-to-EBITDA 14.88
HBIA's EV-to-EBITDA is ranked lower than
63% of the 1293 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.32 vs. HBIA: 14.88 )
Ranked among companies with meaningful EV-to-EBITDA only.
HBIA' s EV-to-EBITDA Range Over the Past 10 Years
Min: 9.7  Med: 12.8 Max: 18.5
Current: 14.88
9.7
18.5
PEG 7.20
HBIA's PEG is ranked lower than
92% of the 736 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. HBIA: 7.20 )
Ranked among companies with meaningful PEG only.
HBIA' s PEG Range Over the Past 10 Years
Min: 0.71  Med: 2.23 Max: 16.98
Current: 7.2
0.71
16.98
Shiller P/E 17.20
HBIA's Shiller P/E is ranked higher than
52% of the 487 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.59 vs. HBIA: 17.20 )
Ranked among companies with meaningful Shiller P/E only.
HBIA' s Shiller P/E Range Over the Past 10 Years
Min: 14.61  Med: 16.7 Max: 29.59
Current: 17.2
14.61
29.59

Buy Back

vs
industry
vs
history
3-Year Average Share Buyback Ratio 0.50
HBIA's 3-Year Average Share Buyback Ratio is ranked higher than
82% of the 1039 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. HBIA: 0.50 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
HBIA' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -2.4  Med: -0.2 Max: 1
Current: 0.5
-2.4
1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.53
HBIA's Price/Tangible Book is ranked lower than
71% of the 1582 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. HBIA: 1.53 )
Ranked among companies with meaningful Price/Tangible Book only.
HBIA' s Price/Tangible Book Range Over the Past 10 Years
Min: 1.27  Med: 1.48 Max: 1.64
Current: 1.53
1.27
1.64
Price/Projected FCF 0.83
HBIA's Price/Projected FCF is ranked lower than
68% of the 850 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.67 vs. HBIA: 0.83 )
Ranked among companies with meaningful Price/Projected FCF only.
HBIA' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.63  Med: 0.69 Max: 0.86
Current: 0.83
0.63
0.86
Price/DCF (Earnings Based) 1.14
HBIA's Price/DCF (Earnings Based) is ranked lower than
76% of the 105 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.72 vs. HBIA: 1.14 )
Ranked among companies with meaningful Price/DCF (Earnings Based) only.
N/A
Price/Median PS Value 1.04
HBIA's Price/Median PS Value is ranked higher than
50% of the 1510 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.03 vs. HBIA: 1.04 )
Ranked among companies with meaningful Price/Median PS Value only.
HBIA' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.68  Med: 0.96 Max: 1.08
Current: 1.04
0.68
1.08
Price/Graham Number 0.99
HBIA's Price/Graham Number is ranked lower than
64% of the 1370 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. HBIA: 0.99 )
Ranked among companies with meaningful Price/Graham Number only.
HBIA' s Price/Graham Number Range Over the Past 10 Years
Min: 0.82  Med: 0.93 Max: 1.03
Current: 0.99
0.82
1.03
Earnings Yield (Greenblatt) (%) 6.26
HBIA's Earnings Yield (Greenblatt) (%) is ranked higher than
51% of the 1597 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.20 vs. HBIA: 6.26 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
HBIA' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 5.1  Med: 7.3 Max: 9.7
Current: 6.26
5.1
9.7
Forward Rate of Return (Yacktman) (%) 7.56
HBIA's Forward Rate of Return (Yacktman) (%) is ranked lower than
62% of the 850 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.09 vs. HBIA: 7.56 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
HBIA' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: 6.3  Med: 13.2 Max: 24.8
Current: 7.56
6.3
24.8

More Statistics

Revenue (TTM) (Mil) $98.94
EPS (TTM) $ 3.13
Beta-0.03
Short Percentage of Float0.00%
52-Week Range $42.20 - 47.00
Shares Outstanding (Mil)9.28
» More Articles for HBIA

Headlines

Articles On GuruFocus.com

More From Other Websites
HILLS BANCORPORATION Financials Aug 11 2016
Hills Bancorp :HBIA-US: Earnings Analysis: Q2, 2016 By the Numbers : August 10, 2016 Aug 10 2016
Hills Bancorp breached its 50 day moving average in a Bearish Manner : HBIA-US : August 8, 2016 Aug 08 2016
HILLS BANCORPORATION Files SEC form 10-Q, Quarterly Report Aug 04 2016
Hills Bancorp breached its 50 day moving average in a Bearish Manner : HBIA-US : July 27, 2016 Jul 27 2016
Berkshire Hills meets 2Q profit forecasts Jul 25 2016
Berkshire Hills meets 2Q profit forecasts Jul 25 2016
Hills Bancorp: Leads amongst peers with strong fundamentals Jul 22 2016
Hills Bancorp : Overvalued relative to peers, but may deserve another look Jul 21 2016
Blue Hills posts 2Q profit Jul 21 2016
Blue Hills posts 2Q profit Jul 21 2016
Hills Bancorp breached its 50 day moving average in a Bearish Manner : HBIA-US : July 12, 2016 Jul 12 2016
Hills Bancorp breached its 50 day moving average in a Bearish Manner : HBIA-US : June 21, 2016 Jun 21 2016
Hills Bancorp breached its 50 day moving average in a Bullish Manner : HBIA-US : June 10, 2016 Jun 10 2016
Hills Bancorp :HBIA-US: Earnings Analysis: Q1, 2016 By the Numbers : June 1, 2016 Jun 01 2016
Hills Bancorp breached its 50 day moving average in a Bearish Manner : HBIA-US : May 16, 2016 May 16 2016
Hills Bancorp breached its 50 day moving average in a Bearish Manner : HBIA-US : May 5, 2016 May 05 2016
HILLS BANCORPORATION Files SEC form 10-Q, Quarterly Report May 05 2016
Blue Hills posts 1Q profit Apr 26 2016
Blue Hills posts 1Q profit Apr 26 2016

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