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Note: Discounted FCF model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.
Hills Bancorp Margin of Safety % (DCF FCF Based) Related Terms
HBIA vs IBCP, SHBI, FISI: Margin of Safety % (DCF FCF Based) Comparison
For the Banks - Regional subindustry, Hills Bancorp's Margin of Safety % (DCF FCF Based), along with its competitors' market caps and Margin of Safety % (DCF FCF Based) 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 Margin of Safety % (DCF FCF Based) vs Banks Industry
For the Banks industry and Financial Services sector, Hills Bancorp's Margin of Safety % (DCF FCF Based) distribution charts can be found below:
* The bar in red indicates where Hills Bancorp's Margin of Safety % (DCF FCF Based) 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.
The intrinsic value is calculated from the Discounted FCF model with default parameters. The calculation method is the same as Discounted Earnings model except free cash flow are used in the calculation instead of earnings per share.
What does a Margin of Safety % (DCF FCF Based) of 29.76% mean?
Hills Bancorp (HBIA) has a Margin of Safety % (DCF FCF Based) of 29.76% as of Aug. 02, 2026. Margin of Safety % (DCF FCF Based) is the percent difference between the current price and the intrinsic DCF FCF price. View historical data on Hills Bancorp.
Is Hills Bancorp's Margin of Safety % (DCF FCF Based) too high?
Hills Bancorp's current Margin of Safety % (DCF FCF Based) is 29.76%. 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 Margin of Safety % (DCF FCF Based) compare to IBCP and SHBI?
Hills Bancorp's Margin of Safety % (DCF FCF Based) of 29.76% 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 Margin of Safety % (DCF FCF Based) for a Banks company?
A good Margin of Safety % (DCF FCF Based) depends on the Banks industry context. However, Margin of Safety % (DCF FCF Based) 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 Margin of Safety % (DCF FCF Based) mean?
A high Margin of Safety % (DCF FCF Based) can signal that a stock is expensive relative to its fundamentals. Margin of Safety % (DCF FCF Based) is the percent difference between the current price and the intrinsic DCF FCF price. View historical data on Hills Bancorp. Hills Bancorp's current Margin of Safety % (DCF FCF Based) is 29.76%. 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 $46.32, compared to a current price of $44.76 — trading 3.4% below its estimated fair value. The current Margin of Safety % (DCF FCF Based) is 29.76%. 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 Margin of Safety % (DCF FCF Based) calculated?
Margin of Safety % (DCF FCF Based) is calculated from a company's financial statements. For Hills Bancorp (HBIA), the current Margin of Safety % (DCF FCF Based) is 29.76% 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:
Margin of Safety % (DCF FCF Based): 29.76%
GF Value™: $46.32 vs. price of $44.76 (3.4% below fair value)
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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Margin of Safety % (DCF FCF Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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