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.
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.
Hills BancorpHBIA +0.47%69 FCF Margin % is 40.81% as of Mar. 2026, which is 12% above its 10-year median of 36.55. GuruFocus rates HBIA with a GF Score™ of 69/100 and a GF Value™ of $46.32 (Fairly Valued). The stock has 5 warning signs investors should review. Among 1,502 Banks companies, Hills Bancorp ranks better than 68.04% on this metric.
FCF Margin % is calculated as Free Cash Flow divided by its Revenue. Hills Bancorp's Free Cash Flow for the
three
months ended in Mar. 2026 was $20.5 Mil. Hills Bancorp's Revenue for the
three
months ended in Mar. 2026 was $50.3 Mil. Therefore, Hills Bancorp's FCF Margin % for the quarter that ended in Mar. 2026 was 40.81%.
The historical data trend for Hills Bancorp's FCF Margin % 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Hills Bancorp's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Hills Bancorp's FCF Margin % falls into.
* 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 FCF Margin % of 40.81% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Hills Bancorp and its competitors. This is 12% above median its historical median of 36.55. Over the past decade, Hills Bancorp's FCF Margin % has ranged from 4.84 to 60.62. According to the industry distribution chart, Hills Bancorp ranks #480 out of 1502 companies in the Banks industry, placing it in the top 32%.
Is Hills Bancorp's FCF Margin % too high?
Hills Bancorp's current FCF Margin % of 40.81% is 12% above median its 10-year median of 36.55. Over the past 10 years, this metric has ranged from a low of 4.84 to a high of 60.62. The Banks industry median FCF Margin % is 26.12. Hills Bancorp's value of 40.81% is 56.2% above this industry median. Based on the distribution chart, Hills Bancorp ranks #480 out of 1502 companies in the Banks industry, which is above the industry midpoint. 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 FCF Margin % compare to IBCP and SHBI?
According to the Banks industry distribution chart, Hills Bancorp ranks #480 out of 1502 companies for FCF Margin %. This puts Hills Bancorp in the upper half of its industry. The industry median FCF Margin % is 26.12. Hills Bancorp's value of 40.81% is 56.2% above this benchmark. Historically, Hills Bancorp's own FCF Margin % has ranged from 4.84 to 60.62 over the past decade. While the company's 10-year median is 36.55 vs. the industry median of 26.12, 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.12, based on 1,502 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Hills Bancorp's current FCF Margin % of 40.81% is 56.2% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Hills Bancorp and its competitors. For the Banks industry, the median FCF Margin % is 26.12 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Hills Bancorp's current FCF Margin % is 40.81%, which is 12% above median its own 10-year median of 36.55. 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 $46.32, compared to a current price of $44.76 — trading 3.4% below its estimated fair value. The current FCF Margin % is 40.81%, which is 12% above median its 10-year median of 36.55 and 56.2% above the Banks industry median of 26.12. Hills Bancorp's overall GF Score™ is 69/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Hills Bancorp (HBIA), the current FCF Margin % is 40.81% as of Mar. 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 $44.76 is trading 3.4% below its estimated GF Value™ of $46.32.
GuruFocus considers Hills Bancorp to be Fairly Valued.
Key valuation signals for HBIA:
FCF Margin %: 40.81% (12% above median its 10-year median of 36.55)
GF Value™: $46.32 vs. price of $44.76 (3.4% below fair value)
Industry Position: 56.2% above the Banks median (#480 of 1502)
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
Get the complete analysis for HBIA
FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
HBIA has been successfully added to your 
