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Hills BancorpHBIA 69 EV-to-FCF is 16.41 as of Jul. 14, 2026, which is 2% below its 10-year median of 16.76. GuruFocus rates HBIA with a GF Score™ of 69/100 and a GF Value™ of $46.14 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,199 Banks companies, Hills Bancorp ranks worse than 78.15% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Hills Bancorp's Enterprise Value is $1,166.7 Mil.
Hills Bancorp's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $71.1 Mil. Therefore, Hills Bancorp's EV-to-FCF for today is 16.41.
The historical rank and industry rank for Hills Bancorp's EV-to-FCF or its related term are showing as below:
HBIA'
s EV-to-FCF Range Over the Past 10 Years
Min: -2.95 Med: 16.76 Max: 32.29
Current: 16.41
During the past 13 years, the highest EV-to-FCF of Hills Bancorp was 32.29. The lowest was -2.95. And the median was 16.76.
HBIA's EV-to-FCF is ranked worse than 78.15% of 1199
companies
in the Banks industry
Industry Median: 6.57
vs HBIA: 16.41
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Hills Bancorp's PE Ratio (TTM) for today is calculated as:
Hills Bancorp's share price for today is $44.55.
Hills Bancorp's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $3.850.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Hills Bancorp EV-to-FCF Related Terms
Hills Bancorp EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Hills Bancorp's EV-to-FCF 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.
For the Banks - Regional subindustry, Hills Bancorp's EV-to-FCF, along with its competitors' market caps and EV-to-FCF data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Hills Bancorp EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Hills Bancorp's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Hills Bancorp's EV-to-FCF falls into.
Hills Bancorp's current Enterprise Value is $1,166.7 Mil.
Hills Bancorp's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $71.1 Mil.
* 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 (HBIA) has a EV-to-FCF of 16.41 as of Jul. 14, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Hills Bancorp and its competitors. This is near median its historical median of 16.76. According to the industry distribution chart, Hills Bancorp ranks #937 out of 1199 companies in the Banks industry, placing it in the top 78.1%.
Is Hills Bancorp's EV-to-FCF too high?
Hills Bancorp's current EV-to-FCF of 16.41 is near median its 10-year median of 16.76. The Banks industry median EV-to-FCF is 6.57. Hills Bancorp's value of 16.41 is 149.8% above this industry median. Based on the distribution chart, Hills Bancorp ranks #937 out of 1199 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Hills Bancorp has a GF Score™ of 69/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Hills Bancorp's EV-to-FCF compare to SHBI and ORRF?
According to the Banks industry distribution chart, Hills Bancorp ranks #937 out of 1199 companies for EV-to-FCF. This places Hills Bancorp in the lower half of its industry. The industry median EV-to-FCF is 6.57. Hills Bancorp's value of 16.41 is 149.8% above this benchmark. While the company's 10-year median is 16.76 vs. the industry median of 6.57, Hills Bancorp has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.57, based on 1,199 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Hills Bancorp's current EV-to-FCF of 16.41 is 149.8% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Hills Bancorp and its competitors. For the Banks industry, the median EV-to-FCF is 6.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Hills Bancorp's current EV-to-FCF is 16.41, which is near median its own 10-year median of 16.76. 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 $46.14, compared to a current price of $44.55 — trading 3.4% below its estimated fair value. The current EV-to-FCF is 16.41, which is near median its 10-year median of 16.76 and 149.8% above the Banks industry median of 6.57. Hills Bancorp's overall GF Score™ is 69/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Hills Bancorp (HBIA), the current EV-to-FCF is 16.41 as of Jul. 14, 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 $44.55 is trading 3.4% below its estimated GF Value™ of $46.14.
GuruFocus considers Hills Bancorp to be Fairly Valued.
Key valuation signals for HBIA:
EV-to-FCF: 16.41 (near median its 10-year median of 16.76)
GF Value™: $46.14 vs. price of $44.55 (3.4% below fair value)
Industry Position: 149.8% above the Banks median (#937 of 1199)
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 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.
69GF Score
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