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Hills BancorpHBIA +0.47%69 FCF Yield % is 9.09 as of Aug. 02, 2026, which is 19% above its 10-year median of 7.61. 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 56.39% on this metric.
FCF Yield % is calculated as Free Cash Flow divided by Market Capitalization. It is a financial solvency ratio that compares the free cash flow a company is expected to earn against its market value.
Similar to Earnings Yield %, FCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high free cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
Hills Bancorp FCF Yield % Related Terms
Hills Bancorp FCF Yield % Historical Data
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The historical data trend for Hills Bancorp's FCF Yield % 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 Yield %, along with its competitors' market caps and FCF Yield % 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 Yield % vs Banks Industry
For the Banks industry and Financial Services sector, Hills Bancorp's FCF Yield % distribution charts can be found below:
* The bar in red indicates where Hills Bancorp's FCF Yield % 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 Yield % of 9.09 as of Aug. 02, 2026. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Hills Bancorp and its competitors. This is 19% above median its historical median of 7.61. Over the past decade, Hills Bancorp's FCF Yield % has ranged from 1.06 to 13.26. According to the industry distribution chart, Hills Bancorp ranks #655 out of 1502 companies in the Banks industry, placing it in the top 43.6%.
Is Hills Bancorp's FCF Yield % too high?
Hills Bancorp's current FCF Yield % of 9.09 is 19% above median its 10-year median of 7.61. Over the past 10 years, this metric has ranged from a low of 1.06 to a high of 13.26. The Banks industry median FCF Yield % is 7.92. Hills Bancorp's value of 9.09 is 14.8% above this industry median. Based on the distribution chart, Hills Bancorp ranks #655 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 Yield % compare to IBCP and SHBI?
According to the Banks industry distribution chart, Hills Bancorp ranks #655 out of 1502 companies for FCF Yield %. This puts Hills Bancorp in the upper half of its industry. The industry median FCF Yield % is 7.92. Hills Bancorp's value of 9.09 is 14.8% above this benchmark. Historically, Hills Bancorp's own FCF Yield % has ranged from 1.06 to 13.26 over the past decade. While the company's 10-year median is 7.61 vs. the industry median of 7.92, 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 Yield % for a Banks company?
The median FCF Yield % among Banks companies is 7.92, based on 1,502 companies in the industry. Companies in the top quartile (top 25%) have a FCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, FCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Hills Bancorp's current FCF Yield % of 9.09 is 14.8% 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 FCF Yield % mean?
A high FCF Yield % can signal that a stock is expensive relative to its fundamentals. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Hills Bancorp and its competitors. For the Banks industry, the median FCF Yield % is 7.92 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Hills Bancorp's current FCF Yield % is 9.09, which is 19% above median its own 10-year median of 7.61. 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 Yield % is 9.09, which is 19% above median its 10-year median of 7.61 and 14.8% above the Banks industry median of 7.92. 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 Yield % calculated?
FCF Yield % is calculated from a company's financial statements. For Hills Bancorp (HBIA), the current FCF Yield % is 9.09 as of Aug. 02, 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 Yield %: 9.09 (19% above median its 10-year median of 7.61)
GF Value™: $46.32 vs. price of $44.76 (3.4% below fair value)
Industry Position: 14.8% above the Banks median (#655 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
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