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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 0.54
HBIA's Cash to Debt is ranked higher than
64% of the 1259 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.42 vs. HBIA: 0.54 )
HBIA' s 10-Year Cash to Debt Range
Min: 0.06   Max: No Debt
Current: 0.54

Equity to Asset 0.11
HBIA's Equity to Asset is ranked higher than
81% of the 1649 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: 0.11
Current: 0.11

0.07
0.11
Interest Coverage 2.19
HBIA's Interest Coverage is ranked higher than
78% of the 1447 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. HBIA: 2.19 )
HBIA' s 10-Year Interest Coverage Range
Min: 0.41   Max: 2.19
Current: 2.19

0.41
2.19
F-Score: 5
Z-Score: 0.33
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 (%) 42.23
HBIA's Operating margin (%) is ranked higher than
88% of the 1594 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.40 vs. HBIA: 42.23 )
HBIA' s 10-Year Operating margin (%) Range
Min: 27.2   Max: 42.98
Current: 42.23

27.2
42.98
Net-margin (%) 29.72
HBIA's Net-margin (%) is ranked higher than
87% of the 1613 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.45 vs. HBIA: 29.72 )
HBIA' s 10-Year Net-margin (%) Range
Min: 20.03   Max: 30.6
Current: 29.72

20.03
30.6
ROE (%) 10.64
HBIA's ROE (%) is ranked higher than
84% of the 1615 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.13 vs. HBIA: 10.64 )
HBIA' s 10-Year ROE (%) Range
Min: 10.15   Max: 14.75
Current: 10.64

10.15
14.75
ROA (%) 1.20
HBIA's ROA (%) is ranked higher than
89% of the 1616 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.75 vs. HBIA: 1.20 )
HBIA' s 10-Year ROA (%) Range
Min: 0.79   Max: 1.33
Current: 1.2

0.79
1.33
ROC (Joel Greenblatt) (%) 123.49
HBIA's ROC (Joel Greenblatt) (%) is ranked higher than
84% of the 1569 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 73.85 vs. HBIA: 123.49 )
HBIA' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 19.51   Max: 123.49
Current: 123.49

19.51
123.49
Revenue Growth (%) -2.10
HBIA's Revenue Growth (%) is ranked higher than
65% of the 1443 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. HBIA: -2.10 )
HBIA' s 10-Year Revenue Growth (%) Range
Min: -2.1   Max: 13.7
Current: -2.1

-2.1
13.7
EBITDA Growth (%) 1.90
HBIA's EBITDA Growth (%) is ranked higher than
65% of the 1280 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. HBIA: 1.90 )
HBIA' s 10-Year EBITDA Growth (%) Range
Min: -2.7   Max: 22.5
Current: 1.9

-2.7
22.5
EPS Growth (%) 1.40
HBIA's EPS Growth (%) is ranked higher than
65% of the 1283 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 vs. HBIA: 1.40 )
HBIA' s 10-Year EPS Growth (%) Range
Min: -1.7   Max: 24
Current: 1.4

-1.7
24
» 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) 13.70
HBIA's P/E(ttm) is ranked higher than
77% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.40 vs. HBIA: 13.70 )
HBIA' s 10-Year P/E(ttm) Range
Min: 10.12   Max: 16.62
Current: 13.7

10.12
16.62
P/B 1.46
HBIA's P/B is ranked higher than
63% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. HBIA: 1.46 )
HBIA' s 10-Year P/B Range
Min: 1.37   Max: 1.89
Current: 1.46

1.37
1.89
P/S 4.07
HBIA's P/S is ranked higher than
60% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.10 vs. HBIA: 4.07 )
HBIA' s 10-Year P/S Range
Min: 2.81   Max: 4.07
Current: 4.07

2.81
4.07
PFCF 9.63
HBIA's PFCF is ranked higher than
77% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 26.04 vs. HBIA: 9.63 )
HBIA' s 10-Year PFCF Range
Min: 5.87   Max: 25.38
Current: 9.63

5.87
25.38
EV-to-EBIT 11.92
HBIA's EV-to-EBIT is ranked higher than
83% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.36 vs. HBIA: 11.92 )
HBIA' s 10-Year EV-to-EBIT Range
Min: 10.3   Max: 18.6
Current: 11.92

10.3
18.6
PEG 1.33
HBIA's PEG is ranked higher than
83% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. HBIA: 1.33 )
HBIA' s 10-Year PEG Range
Min: 0.66   Max: 1.3
Current: 1.33

0.66
1.3
Shiller P/E 14.50
HBIA's Shiller P/E is ranked higher than
91% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 98.15 vs. HBIA: 14.50 )
HBIA' s 10-Year Shiller P/E Range
Min: 13.47   Max: 17.91
Current: 14.5

13.47
17.91

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.47
HBIA's Price/Tangible Book is ranked higher than
67% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.35 vs. HBIA: 1.47 )
HBIA' s 10-Year Price/Tangible Book Range
Min: 1.41   Max: 1.64
Current: 1.47

1.41
1.64
Price/DCF (Projected) 0.68
HBIA's Price/DCF (Projected) is ranked higher than
83% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. HBIA: 0.68 )
HBIA' s 10-Year Price/DCF (Projected) Range
Min: 0.63   Max: 0.7
Current: 0.68

0.63
0.7
Price/Median PS Value 1.15
HBIA's Price/Median PS Value is ranked higher than
69% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. HBIA: 1.15 )
HBIA' s 10-Year Price/Median PS Value Range
Min: 0.8   Max: 1.13
Current: 1.15

0.8
1.13
Price/Peter Lynch Fair Value 1.29
HBIA's Price/Peter Lynch Fair Value is ranked higher than
89% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. HBIA: 1.29 )
HBIA' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.68   Max: 2.1
Current: 1.29

0.68
2.1
Price/Graham Number 0.95
HBIA's Price/Graham Number is ranked higher than
75% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.05 vs. HBIA: 0.95 )
HBIA' s 10-Year Price/Graham Number Range
Min: 0.84   Max: 0.94
Current: 0.95

0.84
0.94
Earnings Yield (Greenblatt) 8.40
HBIA's Earnings Yield (Greenblatt) is ranked higher than
78% of the 1588 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. HBIA: 8.40 )
HBIA' s 10-Year Earnings Yield (Greenblatt) Range
Min: 5.4   Max: 9.7
Current: 8.4

5.4
9.7
Forward Rate of Return (Yacktman) 16.57
HBIA's Forward Rate of Return (Yacktman) is ranked higher than
75% of the 1260 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.98 vs. HBIA: 16.57 )
HBIA' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 5.5   Max: 25.2
Current: 16.57

5.5
25.2

Business Description

Industry: Banks » Banks - Regional - US
Compare: » details
Hills Bancorporation was incorporated in 1982 in the State of Iowa. The Company is engaged in the business of banking activities. The Bank is a full-service commercial bank extending its services to individuals, businesses, governmental units and institutional customers in the communities of Hills, Iowa City, Coralville, North Liberty, Mount Vernon, Kalona, Wellman, Cedar Rapids and Marion, Iowa. The Company 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 and investment advisory and custodial services for individuals, corporations and nonprofit organizations. The Bank makes commercial and agricultural loans, real estate loans, automobile, installment and other consumer loans. Interest income on loans and investment securities is recognized on the accrual method. Loan origination fees are recognized when the loans are sold. Trust fees, deposit account service charges and other fees are recognized when the services are provided or when customers use the services. The Bank's net interest income is the largest component of the Bank's revenue, and it is a function of the average earning assets and the net interest margin percentage. Its most direct competition for deposits has come from commercial banks, savings institutions and credit unions doing business in its areas of operation. It has facing competition for deposits from nonbanking sources, such as securities firms, insurance companies, money market mutual funds and financial services subsidiaries of commercial and manufacturing companies. Competition for loans comes primarily from other commercial banks, savings institutions, consumer finance companies, credit unions, mortgage banking companies, insurance companies and other institutional lenders. The Company competes on the basis of products offered, customer service and price. As a bank holding company, the Company is registered with, and is subject to regulation by, the Federal Reserve under the Bank Holding Company Act, as amended 'BHCA'.

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