HBIA (Hills Bancorp) Net Loan: $3,603.0 Mil (As of Jun. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

HBIA Hills Bancorp HBIA
71 GF Score
Price $46.66
GF Value $48.55
Valuation Fairly Valued
! 5 Warning Signs
View Full Analysis

What is Hills Bancorp Net Loan?

Hills Bancorp HBIA 71 Net Loan is $3,603.0 Mil as of Jun. 2026. GuruFocus rates HBIA with a GF Score™ of 71/100 and a GF Value™ of $48.55 (Fairly Valued). The stock has 5 warning signs investors should review.

Hills Bancorp's quarterly net loan increased from Dec. 2025 ($3,514.9 Mil) to Mar. 2026 ($3,527.3 Mil) and increased from Mar. 2026 ($3,527.3 Mil) to Jun. 2026 ($3,603.0 Mil).

Hills Bancorp's annual net loan increased from Dec. 2023 ($3,391.4 Mil) to Dec. 2024 ($3,527.3 Mil) and increased from Dec. 2024 ($3,527.3 Mil) to Dec. 2025 ($3,603.0 Mil).

Hills Bancorp Net Loan Historical Data

* Premium members only.

The historical data trend for Hills Bancorp's Net Loan can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Hills Bancorp Net Loan Chart

Hills Bancorp Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Loan
Get a 7-Day Free Trial Premium Member Only Premium Member Only 2,630.78 3,068.64 3,391.40 3,391.49 3,514.87

Hills Bancorp Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Net Loan Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 3,467.89 3,500.83 3,514.87 3,527.33 3,602.96
HBIA
71GF Score
Hills Bancorp HBIA
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Hills Bancorp Net Loan Calculation

Total loans on banks' book. These are the fund that banks have lent out. The loans contribute to banks' income. Some borrower of the loans may stop paying their payment. In this case, the loan is called non-performing loans.

Loans can be divided into residential loans, commercial loans or consumer loans. Peter Lynch loved

Frequently Asked Questions Learn more about Net Loan →
What does a Net Loan of $3,603.0 Mil mean?
Hills Bancorp (HBIA) has a Net Loan of $3,603.0 Mil as of Jun. 2026. The total net loans as recorded on a bank's balance sheet. View historical data on Hills Bancorp and its competitors.
Is Hills Bancorp's Net Loan too high?
Hills Bancorp's current Net Loan is $3,603.0 Mil. Overall, Hills Bancorp has a GF Score™ of 71/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Hills Bancorp's Net Loan compare to SMBC and IBCP?
Hills Bancorp's Net Loan of $3,603.0 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Loan for a Banks company?
A good Net Loan depends on the Banks industry context. However, Net Loan should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Loan mean?
A high Net Loan can signal that a stock is expensive relative to its fundamentals. The total net loans as recorded on a bank's balance sheet. View historical data on Hills Bancorp and its competitors. Hills Bancorp's current Net Loan is $3,603.0 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Hills Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Hills Bancorp (HBIA) is currently considered Fairly Valued. The stock's GF Value™ is $48.55, compared to a current price of $46.66 — trading 3.9% below its estimated fair value. The current Net Loan is $3,603.0 Mil. Hills Bancorp's overall GF Score™ is 71/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Loan calculated?
Net Loan is calculated from a company's financial statements. For Hills Bancorp (HBIA), the current Net Loan is $3,603.0 Mil as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Hills Bancorp (HBIA) Overvalued in 2026?

Based on GuruFocus' analysis, Hills Bancorp stock appears to be undervalued. The current stock price of $46.66 is trading 3.9% below its estimated GF Value™ of $48.55. GuruFocus considers Hills Bancorp to be Fairly Valued.

Key valuation signals for HBIA:

  • Net Loan: $3,603.0 Mil
  • GF Value™: $48.55 vs. price of $46.66 (3.9% below fair value)
  • GF Score™: 71/100 with 5 warning signs

No single metric tells the full story. See the HBIA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Hills Bancorp Business Description

Address 131 E. Main Street, PO Box 160, Hills, IA, USA, 52235
Hills Bancorp is a holding company engaged in the business of commercial banking serving individuals, businesses, governmental units, and institutional customers in the United States. It offers services including acceptance of demand, savings, and time deposits, providing commercial, real estate, agricultural, and consumer loans, maintaining night and safe deposit facilities, and performing collection, exchange, and other banking services. Also, it administers estates, personal trusts, and pension plans and provides farm management, investment advisory, and custodial services for individuals, corporations, and nonprofit organizations. The company also provides mortgage loans and commercial and financial loans. The company generates key revenue from interest income.
71GF Score

Get the complete analysis for HBIA

Net Loan is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$46.66
Price
$48.55
GF Value