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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 0.14
HBIA's Cash-to-Debt is ranked lower than
91% of the 1495 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.97 vs. HBIA: 0.14 )
Ranked among companies with meaningful Cash-to-Debt only.
HBIA' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.06  Med: 0.14 Max: 0.39
Current: 0.14
0.06
0.39
Equity-to-Asset 0.11
HBIA's Equity-to-Asset is ranked higher than
56% of the 1496 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: 0.08  Med: 0.08 Max: 0.11
Current: 0.11
0.08
0.11
Interest Coverage 2.86
HBIA's Interest Coverage is ranked higher than
66% of the 1758 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.61 vs. HBIA: 2.86 )
Ranked among companies with meaningful Interest Coverage only.
HBIA' s Interest Coverage Range Over the Past 10 Years
Min: 0.45  Med: 1.64 Max: 2.86
Current: 2.86
0.45
2.86
Piotroski F-Score: 5
Beneish M-Score: -2.39
WACC vs ROIC
3.06%
6.41%
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 : 8/10

vs
industry
vs
history
Operating Margin % 45.23
HBIA's Operating Margin % is ranked higher than
81% of the 1511 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.68 vs. HBIA: 45.23 )
Ranked among companies with meaningful Operating Margin % only.
HBIA' s Operating Margin % Range Over the Past 10 Years
Min: 27.2  Med: 41.82 Max: 45.23
Current: 45.23
27.2
45.23
Net Margin % 31.06
HBIA's Net Margin % is ranked higher than
76% of the 1510 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.91 vs. HBIA: 31.06 )
Ranked among companies with meaningful Net Margin % only.
HBIA' s Net Margin % Range Over the Past 10 Years
Min: 20.03  Med: 29.34 Max: 31.06
Current: 31.06
20.03
31.06
ROE % 11.29
HBIA's ROE % is ranked higher than
72% of the 1509 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.30 vs. HBIA: 11.29 )
Ranked among companies with meaningful ROE % only.
HBIA' s ROE % Range Over the Past 10 Years
Min: 10.47  Med: 11.15 Max: 14.66
Current: 11.29
10.47
14.66
ROA % 1.23
HBIA's ROA % is ranked higher than
75% of the 1518 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. HBIA: 1.23 )
Ranked among companies with meaningful ROA % only.
HBIA' s ROA % Range Over the Past 10 Years
Min: 0.82  Med: 1.21 Max: 1.36
Current: 1.23
0.82
1.36
3-Year Revenue Growth Rate 5.70
HBIA's 3-Year Revenue Growth Rate is ranked higher than
60% of the 1316 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.90 vs. HBIA: 5.70 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
HBIA' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -2.1  Med: 7.6 Max: 13.7
Current: 5.7
-2.1
13.7
3-Year EBITDA Growth Rate 7.60
HBIA's 3-Year EBITDA Growth Rate is ranked higher than
54% of the 1228 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.20 vs. HBIA: 7.60 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
HBIA' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -2.7  Med: 7.6 Max: 22.4
Current: 7.6
-2.7
22.4
3-Year EPS without NRI Growth Rate 7.30
HBIA's 3-Year EPS without NRI Growth Rate is ranked higher than
50% of the 1184 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. HBIA: 7.30 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
HBIA' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -1.7  Med: 7.3 Max: 24
Current: 7.3
-1.7
24
GuruFocus has detected 2 Warning Signs with Hills Bancorp $HBIA.
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» HBIA's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
Compare:AMEX:BHB, NYSE:SCNB, NYSE:OFG, NYSE:FSB, NAS:OKSB, NAS:PUB, NAS:ACBI, NAS:NCOM, NAS:FISI, OTCPK:FMCB, NAS:TBK, NAS:ABTX, NAS:AROW, NAS:BHBK, NAS:FRBK, NAS:FFWM, NAS:SNBC, NAS:HTBK, NAS:HEOP, NAS:MSBI » 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
PE Ratio 15.00
HBIA's PE Ratio is ranked lower than
57% of the 1941 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.56 vs. HBIA: 15.00 )
Ranked among companies with meaningful PE Ratio only.
HBIA' s PE Ratio Range Over the Past 10 Years
Min: 10.13  Med: 14.09 Max: 24.58
Current: 15
10.13
24.58
PE Ratio without NRI 15.00
HBIA's PE Ratio without NRI is ranked lower than
53% of the 1635 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.25 vs. HBIA: 15.00 )
Ranked among companies with meaningful PE Ratio without NRI only.
HBIA' s PE Ratio without NRI Range Over the Past 10 Years
Min: 10.08  Med: 14.09 Max: 24.58
Current: 15
10.08
24.58
Price-to-Owner-Earnings 16.49
HBIA's Price-to-Owner-Earnings is ranked lower than
61% of the 905 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.04 vs. HBIA: 16.49 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
HBIA' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 8.77  Med: 14.37 Max: 24.31
Current: 16.49
8.77
24.31
PB Ratio 1.63
HBIA's PB Ratio is ranked lower than
75% of the 1810 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. HBIA: 1.63 )
Ranked among companies with meaningful PB Ratio only.
HBIA' s PB Ratio Range Over the Past 10 Years
Min: 1.22  Med: 1.49 Max: 2.65
Current: 1.63
1.22
2.65
PS Ratio 4.67
HBIA's PS Ratio is ranked lower than
75% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.32 vs. HBIA: 4.67 )
Ranked among companies with meaningful PS Ratio only.
HBIA' s PS Ratio Range Over the Past 10 Years
Min: 2.81  Med: 4.16 Max: 7.31
Current: 4.67
2.81
7.31
Price-to-Free-Cash-Flow 21.51
HBIA's Price-to-Free-Cash-Flow is ranked lower than
81% of the 1008 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.76 vs. HBIA: 21.51 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
HBIA' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 5.87  Med: 13.89 Max: 30.84
Current: 21.51
5.87
30.84
Price-to-Operating-Cash-Flow 16.28
HBIA's Price-to-Operating-Cash-Flow is ranked lower than
74% of the 1096 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.62 vs. HBIA: 16.28 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
HBIA' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 5.68  Med: 12.38 Max: 24.51
Current: 16.28
5.68
24.51
EV-to-EBIT 15.37
HBIA's EV-to-EBIT is ranked lower than
66% of the 1558 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.64 vs. HBIA: 15.37 )
Ranked among companies with meaningful EV-to-EBIT only.
HBIA' s EV-to-EBIT Range Over the Past 10 Years
Min: 10.3  Med: 14 Max: 19.7
Current: 15.37
10.3
19.7
EV-to-EBITDA 14.51
HBIA's EV-to-EBITDA is ranked lower than
68% of the 1576 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.00 vs. HBIA: 14.51 )
Ranked among companies with meaningful EV-to-EBITDA only.
HBIA' s EV-to-EBITDA Range Over the Past 10 Years
Min: 9.7  Med: 13.1 Max: 18.5
Current: 14.51
9.7
18.5
PEG Ratio 4.81
HBIA's PEG Ratio is ranked lower than
85% of the 780 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.43 vs. HBIA: 4.81 )
Ranked among companies with meaningful PEG Ratio only.
HBIA' s PEG Ratio Range Over the Past 10 Years
Min: 0.71  Med: 5.4 Max: 16.98
Current: 4.81
0.71
16.98
Shiller PE Ratio 18.73
HBIA's Shiller PE Ratio is ranked higher than
57% of the 496 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.63 vs. HBIA: 18.73 )
Ranked among companies with meaningful Shiller PE Ratio only.
HBIA' s Shiller PE Ratio Range Over the Past 10 Years
Min: 14.55  Med: 16.87 Max: 29.47
Current: 18.73
14.55
29.47

Buy Back

vs
industry
vs
history
3-Year Average Share Buyback Ratio 0.70
HBIA's 3-Year Average Share Buyback Ratio is ranked higher than
83% of the 1010 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.60 vs. HBIA: 0.70 )
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: -0.1 Max: 1
Current: 0.7
-2.4
1

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.65
HBIA's Price-to-Tangible-Book is ranked lower than
68% of the 1798 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.25 vs. HBIA: 1.65 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
HBIA' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 1.41  Med: 1.51 Max: 1.65
Current: 1.65
1.41
1.65
Price-to-Intrinsic-Value-Projected-FCF 0.93
HBIA's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
62% of the 1104 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. HBIA: 0.93 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
HBIA' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.66  Med: 0.77 Max: 0.93
Current: 0.93
0.66
0.93
Price-to-Intrinsic-Value-DCF (Earnings Based) 1.16
HBIA's Price-to-Intrinsic-Value-DCF (Earnings Based) is ranked lower than
72% of the 170 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. HBIA: 1.16 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-DCF (Earnings Based) only.
N/A
Price-to-Median-PS-Value 1.12
HBIA's Price-to-Median-PS-Value is ranked higher than
54% of the 1693 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. HBIA: 1.12 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
HBIA' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.86  Med: 1.01 Max: 1.12
Current: 1.12
0.86
1.12
Price-to-Graham-Number 1.05
HBIA's Price-to-Graham-Number is ranked lower than
60% of the 1556 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.93 vs. HBIA: 1.05 )
Ranked among companies with meaningful Price-to-Graham-Number only.
HBIA' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.86  Med: 0.97 Max: 1.05
Current: 1.05
0.86
1.05
Earnings Yield (Greenblatt) % 6.51
HBIA's Earnings Yield (Greenblatt) % is ranked higher than
50% of the 2086 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.41 vs. HBIA: 6.51 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
HBIA' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 5.1  Med: 7.1 Max: 9.7
Current: 6.51
5.1
9.7
Forward Rate of Return (Yacktman) % 9.06
HBIA's Forward Rate of Return (Yacktman) % is ranked lower than
59% of the 891 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.45 vs. HBIA: 9.06 )
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: 9.5 Max: 24.8
Current: 9.06
6.3
24.8

More Statistics

Revenue (TTM) (Mil) $101.6
EPS (TTM) $ 3.40
Beta-0.01
Short Percentage of Float0.00%
52-Week Range $44.00 - 59.00
Shares Outstanding (Mil)9.32
» More Articles for HBIA

Headlines

Articles On GuruFocus.com
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Hills Bancorp :HBIA-US: Earnings Analysis: Q4, 2016 By the Numbers : March 14, 2017 Mar 14 2017
Hills Bancorp :HBIA-US: Earnings Analysis: 2016 By the Numbers : March 10, 2017 Mar 10 2017
HILLS BANCORPORATION Financials Mar 09 2017
HILLS BANCORPORATION Files SEC form 10-K, Annual Report Mar 03 2017
Hills Bancorp breached its 50 day moving average in a Bullish Manner : HBIA-US : February 23, 2017 Feb 23 2017
Berkshire Hills misses 4Q profit forecasts Jan 30 2017
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Blue Hills posts 4Q profit Jan 26 2017
Blue Hills posts 4Q profit Jan 26 2017
Hills Bancorp breached its 50 day moving average in a Bullish Manner : HBIA-US : January 24, 2017 Jan 24 2017
Hills Bancorp breached its 50 day moving average in a Bearish Manner : HBIA-US : January 6, 2017 Jan 06 2017
Hills Bancorp breached its 50 day moving average in a Bullish Manner : HBIA-US : December 26, 2016 Dec 26 2016
Hills Bancorp breached its 50 day moving average in a Bullish Manner : HBIA-US : December 14, 2016 Dec 14 2016
Hills Bancorp : One of the better choices within its peer group Dec 08 2016
Hills Bancorp: Leads amongst peers with strong fundamentals Dec 05 2016
Hills Bancorp breached its 50 day moving average in a Bearish Manner : HBIA-US : December 1, 2016 Dec 01 2016
Hills Bancorp :HBIA-US: Earnings Analysis: Q3, 2016 By the Numbers : November 22, 2016 Nov 22 2016
Hills Bancorp breached its 50 day moving average in a Bullish Manner : HBIA-US : November 4, 2016 Nov 04 2016
HILLS BANCORPORATION Files SEC form 10-Q, Quarterly Report Nov 03 2016
Hills Bancorp breached its 50 day moving average in a Bearish Manner : HBIA-US : October 20, 2016 Oct 20 2016

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