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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 : 7/10

vs
industry
vs
history
Cash to Debt 0.46
HBIA's Cash to Debt is ranked higher than
61% of the 1748 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.86 vs. HBIA: 0.46 )
HBIA' s 10-Year Cash to Debt Range
Min: 0.06   Max: N/A
Current: 0.46

Equity to Asset 0.11
HBIA's Equity to Asset is ranked higher than
79% of the 2312 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. HBIA: 0.11 )
HBIA' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.13
Current: 0.11

0.07
0.13
Interest Coverage 2.53
HBIA's Interest Coverage is ranked higher than
79% of the 2185 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. HBIA: 2.53 )
HBIA' s 10-Year Interest Coverage Range
Min: 0.41   Max: 2.53
Current: 2.53

0.41
2.53
F-Score: 6
Z-Score: 0.38
WACC vs ROIC
3.45%
7.41%
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 (%) 42.35
HBIA's Operating margin (%) is ranked higher than
87% of the 2426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.22 vs. HBIA: 42.35 )
HBIA' s 10-Year Operating margin (%) Range
Min: 27.2   Max: 42.98
Current: 42.35

27.2
42.98
Net-margin (%) 29.68
HBIA's Net-margin (%) is ranked higher than
85% of the 2426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.12 vs. HBIA: 29.68 )
HBIA' s 10-Year Net-margin (%) Range
Min: 20.03   Max: 30.6
Current: 29.68

20.03
30.6
ROE (%) 10.44
HBIA's ROE (%) is ranked higher than
81% of the 2426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.98 vs. HBIA: 10.44 )
HBIA' s 10-Year ROE (%) Range
Min: 10.47   Max: 15.44
Current: 10.44

10.47
15.44
ROA (%) 1.20
HBIA's ROA (%) is ranked higher than
86% of the 2433 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. HBIA: 1.20 )
HBIA' s 10-Year ROA (%) Range
Min: 0.82   Max: 1.36
Current: 1.2

0.82
1.36
ROC (Joel Greenblatt) (%) 105.48
HBIA's ROC (Joel Greenblatt) (%) is ranked higher than
78% of the 2392 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 89.92 vs. HBIA: 105.48 )
HBIA' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 22.27   Max: 162.74
Current: 105.48

22.27
162.74
Revenue Growth (3Y)(%) -0.40
HBIA's Revenue Growth (3Y)(%) is ranked higher than
67% of the 2094 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.20 vs. HBIA: -0.40 )
HBIA' s 10-Year Revenue Growth (3Y)(%) Range
Min: -2.1   Max: 13.7
Current: -0.4

-2.1
13.7
EBITDA Growth (3Y)(%) -1.20
HBIA's EBITDA Growth (3Y)(%) is ranked higher than
62% of the 1872 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.10 vs. HBIA: -1.20 )
HBIA' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -2.7   Max: 22.4
Current: -1.2

-2.7
22.4
EPS Growth (3Y)(%) -1.50
HBIA's EPS Growth (3Y)(%) is ranked higher than
62% of the 1904 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.20 vs. HBIA: -1.50 )
HBIA' s 10-Year EPS Growth (3Y)(%) Range
Min: -1.6   Max: 23.8
Current: -1.5

-1.6
23.8
» HBIA's 10-Y Financials

Financials


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

» Details

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Ratios

vs
industry
vs
history
P/E(ttm) 14.10
HBIA's P/E(ttm) is ranked higher than
80% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.40 vs. HBIA: 14.10 )
HBIA' s 10-Year P/E(ttm) Range
Min: 10.12   Max: 24.62
Current: 14.1

10.12
24.62
PE(NRI) 14.10
HBIA's PE(NRI) is ranked higher than
81% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.40 vs. HBIA: 14.10 )
HBIA' s 10-Year PE(NRI) Range
Min: 10.08   Max: 24.66
Current: 14.1

10.08
24.66
P/B 1.52
HBIA's P/B is ranked higher than
65% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.40 vs. HBIA: 1.52 )
HBIA' s 10-Year P/B Range
Min: 1.22   Max: 2.65
Current: 1.52

1.22
2.65
P/S 4.18
HBIA's P/S is ranked higher than
58% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.73 vs. HBIA: 4.18 )
HBIA' s 10-Year P/S Range
Min: 2.81   Max: 7.3
Current: 4.18

2.81
7.3
PFCF 17.66
HBIA's PFCF is ranked higher than
78% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. HBIA: 17.66 )
HBIA' s 10-Year PFCF Range
Min: 5.87   Max: 30.85
Current: 17.66

5.87
30.85
POCF 14.07
HBIA's POCF is ranked higher than
78% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 194.36 vs. HBIA: 14.07 )
HBIA' s 10-Year POCF Range
Min: 5.67   Max: 24.58
Current: 14.07

5.67
24.58
EV-to-EBIT 12.35
HBIA's EV-to-EBIT is ranked higher than
83% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.17 vs. HBIA: 12.35 )
HBIA' s 10-Year EV-to-EBIT Range
Min: 10.3   Max: 19.7
Current: 12.35

10.3
19.7
PEG 1.88
HBIA's PEG is ranked higher than
89% of the 3226 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. HBIA: 1.88 )
HBIA' s 10-Year PEG Range
Min: 0.66   Max: 14.86
Current: 1.88

0.66
14.86
Shiller P/E 14.74
HBIA's Shiller P/E is ranked higher than
89% of the 3226 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. HBIA: 14.74 )
HBIA' s 10-Year Shiller P/E Range
Min: 13.45   Max: 25.71
Current: 14.74

13.45
25.71
Days Sales Outstanding 35.71
HBIA's Days Sales Outstanding is ranked higher than
88% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. HBIA: 35.71 )
HBIA' s 10-Year Days Sales Outstanding Range
Min: 32.11   Max: 79.71
Current: 35.71

32.11
79.71

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.53
HBIA's Price/Tangible Book is ranked higher than
69% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.66 vs. HBIA: 1.53 )
HBIA' s 10-Year Price/Tangible Book Range
Min: 1.27   Max: 1.64
Current: 1.53

1.27
1.64
Price/DCF (Projected) 0.81
HBIA's Price/DCF (Projected) is ranked higher than
84% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. HBIA: 0.81 )
HBIA' s 10-Year Price/DCF (Projected) Range
Min: 0.63   Max: 0.8
Current: 0.81

0.63
0.8
Price/Median PS Value 1.10
HBIA's Price/Median PS Value is ranked higher than
78% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. HBIA: 1.10 )
HBIA' s 10-Year Price/Median PS Value Range
Min: 0.74   Max: 1.11
Current: 1.1

0.74
1.11
Price/Graham Number 0.98
HBIA's Price/Graham Number is ranked higher than
77% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. HBIA: 0.98 )
HBIA' s 10-Year Price/Graham Number Range
Min: 0.84   Max: 0.97
Current: 0.98

0.84
0.97
Earnings Yield (Greenblatt) 8.10
HBIA's Earnings Yield (Greenblatt) is ranked higher than
78% of the 2417 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. HBIA: 8.10 )
HBIA' s 10-Year Earnings Yield (Greenblatt) Range
Min: 5.1   Max: 9.7
Current: 8.1

5.1
9.7
Forward Rate of Return (Yacktman) 9.57
HBIA's Forward Rate of Return (Yacktman) is ranked higher than
67% of the 1444 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.67 vs. HBIA: 9.57 )
HBIA' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 6   Max: 26.5
Current: 9.57

6
26.5

Business Description

Industry: Banks » Banks - Regional - US
Compare: » details
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.
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