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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 : 6/10

vs
industry
vs
history
Cash to Debt 0.47
HBIA's Cash to Debt is ranked lower than
72% of the 1134 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.18 vs. HBIA: 0.47 )
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: 0.47
Equity to Asset 0.10
HBIA's Equity to Asset is ranked lower than
56% of the 1602 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. HBIA: 0.10 )
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: 0.1
0.07
0.13
Interest Coverage 2.69
HBIA's Interest Coverage is ranked higher than
64% of the 1585 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.62 vs. HBIA: 2.69 )
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: 2.69
0.45
2.73
F-Score: 4
M-Score: -2.69
WACC vs ROIC
2.53%
6.47%
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 : 6/10

vs
industry
vs
history
Operating margin (%) 41.83
HBIA's Operating margin (%) is ranked higher than
75% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.11 vs. HBIA: 41.83 )
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: 41.83
27.2
42.98
Net-margin (%) 29.03
HBIA's Net-margin (%) is ranked higher than
69% of the 1620 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.40 vs. HBIA: 29.03 )
Ranked among companies with meaningful Net-margin (%) only.
HBIA' s Net-margin (%) Range Over the Past 10 Years
Min: 20.01  Med: 27.86 Max: 30.6
Current: 29.03
20.01
30.6
ROE (%) 10.52
HBIA's ROE (%) is ranked higher than
66% of the 1615 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.20 vs. HBIA: 10.52 )
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: 10.52
10.47
14.66
ROA (%) 1.17
HBIA's ROA (%) is ranked higher than
69% of the 1625 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. HBIA: 1.17 )
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: 1.17
0.82
1.36
Revenue Growth (3Y)(%) 3.80
HBIA's Revenue Growth (3Y)(%) is ranked higher than
56% of the 1336 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.80 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: 7.95 Max: 13.3
Current: 3.8
-2.1
13.3
EBITDA Growth (3Y)(%) 3.10
HBIA's EBITDA Growth (3Y)(%) is ranked lower than
59% of the 1226 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 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 1211 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: 7.10 Max: 23.9
Current: 2.3
-1.7
23.9
» 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:CUNB, NAS:TSC, NAS:SNBC, NAS:AROW, NAS:FLIC, NAS:UVSP, NAS:PSTB, NAS:MBWM, NAS:BHBK, NAS:PEBO, NAS:CACB, NAS:FCBC, NYSE:OFG, NYSE:SCNB, NAS:FISI, NAS:LION, NAS:CAC, NAS:THFF, NYSE:BNK, NAS:FBNC » 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) 14.48
HBIA's P/E(ttm) is ranked lower than
60% of the 1682 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.67 vs. HBIA: 14.48 )
Ranked among companies with meaningful P/E(ttm) only.
HBIA' s P/E(ttm) Range Over the Past 10 Years
Min: 9.88  Med: 13.10 Max: 49.15
Current: 14.48
9.88
49.15
PE(NRI) 14.48
HBIA's PE(NRI) is ranked lower than
59% of the 1537 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.86 vs. HBIA: 14.48 )
Ranked among companies with meaningful PE(NRI) only.
HBIA' s PE(NRI) Range Over the Past 10 Years
Min: 9.89  Med: 13.14 Max: 49.32
Current: 14.48
9.89
49.32
Price/Owner Earnings (ttm) 16.67
HBIA's Price/Owner Earnings (ttm) is ranked lower than
69% of the 851 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.62 vs. HBIA: 16.67 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
HBIA' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 0.92  Med: 12.57 Max: 48.63
Current: 16.67
0.92
48.63
P/B 1.53
HBIA's P/B is ranked lower than
79% of the 1759 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. HBIA: 1.53 )
Ranked among companies with meaningful P/B only.
HBIA' s P/B Range Over the Past 10 Years
Min: 1.22  Med: 1.45 Max: 5.3
Current: 1.53
1.22
5.3
P/S 4.22
HBIA's P/S is ranked lower than
75% of the 1761 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.94 vs. HBIA: 4.22 )
Ranked among companies with meaningful P/S only.
HBIA' s P/S Range Over the Past 10 Years
Min: 2.74  Med: 3.77 Max: 14.63
Current: 4.22
2.74
14.63
PFCF 13.53
HBIA's PFCF is ranked lower than
66% of the 918 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.16 vs. HBIA: 13.53 )
Ranked among companies with meaningful PFCF only.
HBIA' s PFCF Range Over the Past 10 Years
Min: 5.87  Med: 12.12 Max: 61.68
Current: 13.53
5.87
61.68
POCF 11.73
HBIA's POCF is ranked lower than
67% of the 1025 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.89 vs. HBIA: 11.73 )
Ranked among companies with meaningful POCF only.
HBIA' s POCF Range Over the Past 10 Years
Min: 5.55  Med: 9.73 Max: 49.02
Current: 11.73
5.55
49.02
EV-to-EBIT 13.67
HBIA's EV-to-EBIT is ranked lower than
55% of the 1650 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.90 vs. HBIA: 13.67 )
Ranked among companies with meaningful EV-to-EBIT only.
HBIA' s EV-to-EBIT Range Over the Past 10 Years
Min: 10.2  Med: 13.10 Max: 37
Current: 13.67
10.2
37
EV-to-EBITDA 12.81
HBIA's EV-to-EBITDA is ranked lower than
56% of the 1649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.75 vs. HBIA: 12.81 )
Ranked among companies with meaningful EV-to-EBITDA only.
HBIA' s EV-to-EBITDA Range Over the Past 10 Years
Min: 9.6  Med: 12.30 Max: 34.7
Current: 12.81
9.6
34.7
PEG 7.40
HBIA's PEG is ranked lower than
92% of the 731 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. HBIA: 7.40 )
Ranked among companies with meaningful PEG only.
HBIA' s PEG Range Over the Past 10 Years
Min: 0.7  Med: 1.41 Max: 16.98
Current: 7.4
0.7
16.98
Shiller P/E 17.07
HBIA's Shiller P/E is ranked lower than
51% of the 491 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.16 vs. HBIA: 17.07 )
Ranked among companies with meaningful Shiller P/E only.
HBIA' s Shiller P/E Range Over the Past 10 Years
Min: 14.21  Med: 15.61 Max: 59.18
Current: 17.07
14.21
59.18

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.54
HBIA's Price/Tangible Book is ranked lower than
72% of the 1747 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. HBIA: 1.54 )
Ranked among companies with meaningful Price/Tangible Book only.
HBIA' s Price/Tangible Book Range Over the Past 10 Years
Min: 1.27  Med: 1.46 Max: 1.64
Current: 1.54
1.27
1.64
Price/Projected FCF 0.82
HBIA's Price/Projected FCF is ranked lower than
66% of the 973 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.67 vs. HBIA: 0.82 )
Ranked among companies with meaningful Price/Projected FCF only.
HBIA' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.55  Med: 0.67 Max: 0.81
Current: 0.82
0.55
0.81
Price/DCF (Earnings Based) 1.14
HBIA's Price/DCF (Earnings Based) is ranked lower than
77% of the 113 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.73 vs. HBIA: 1.14 )
Ranked among companies with meaningful Price/DCF (Earnings Based) only.
N/A
Price/Median PS Value 1.12
HBIA's Price/Median PS Value is ranked lower than
68% of the 1684 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.01 vs. HBIA: 1.12 )
Ranked among companies with meaningful Price/Median PS Value only.
HBIA' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.73  Med: 0.98 Max: 1.14
Current: 1.12
0.73
1.14
Price/Graham Number 1.00
HBIA's Price/Graham Number is ranked lower than
65% of the 1552 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. HBIA: 1.00 )
Ranked among companies with meaningful Price/Graham Number only.
HBIA' s Price/Graham Number Range Over the Past 10 Years
Min: 0.8  Med: 0.91 Max: 1.01
Current: 1
0.8
1.01
Earnings Yield (Greenblatt) (%) 7.31
HBIA's Earnings Yield (Greenblatt) (%) is ranked higher than
50% of the 1803 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. HBIA: 7.31 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
HBIA' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 2.7  Med: 7.60 Max: 9.8
Current: 7.31
2.7
9.8
Forward Rate of Return (Yacktman) (%) 8.18
HBIA's Forward Rate of Return (Yacktman) (%) is ranked lower than
62% of the 844 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.22 vs. HBIA: 8.18 )
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: 5.8  Med: 16.20 Max: 24.8
Current: 8.18
5.8
24.8

More Statistics

Revenue (TTM) (Mil) $98.98
EPS (TTM) $ 3.08
Beta-0.02
Short Percentage of Float0.00%
52-Week Range $42.00 - 46.50
Shares Outstanding (Mil)9.29

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