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Hills BancorpHBIA +0.47%69 Net Margin % is 43.60% as of Mar. 2026, which is 34% above its 10-year median of 32.50. 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 1,526 Banks companies, Hills Bancorp ranks better than 79.49% on this metric.
Net margin is calculated as Net Income divided by its Revenue. Hills Bancorp's Net Income for the
three
months ended in Mar. 2026 was $21.9 Mil. Hills Bancorp's Revenue for the
three
months ended in Mar. 2026 was $50.3 Mil. Therefore, Hills Bancorp's net margin for the quarter that ended in Mar. 2026 was 43.60%.
The historical rank and industry rank for Hills Bancorp's Net Margin % or its related term are showing as below:
HBIA'
s Net Margin % Range Over the Past 10 Years
Min: 25.79 Med: 32.5 Max: 37.25
Current: 37.25
HBIA's Net Margin % is ranked better than 79.49% of 1526
companies
in the Banks industry
Industry Median: 27.07
vs HBIA: 37.25
Hills Bancorp (OTCPK:HBIA) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Hills Bancorp Net Margin % Related Terms
Hills Bancorp Net Margin % Historical Data
* Premium members only.
The historical data trend for Hills Bancorp's Net 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 Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Hills Bancorp's Net Margin % distribution charts can be found below:
* The bar in red indicates where Hills Bancorp's Net 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 Net Margin % of 43.60% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Hills Bancorp and its competitors. This is 34% above median its historical median of 32.50. Over the past decade, Hills Bancorp's Net Margin % has ranged from 25.79 to 37.25. According to the industry distribution chart, Hills Bancorp ranks #313 out of 1526 companies in the Banks industry, placing it in the top 20.5%.
Is Hills Bancorp's Net Margin % too high?
Hills Bancorp's current Net Margin % of 43.60% is 34% above median its 10-year median of 32.50. Over the past 10 years, this metric has ranged from a low of 25.79 to a high of 37.25. The Banks industry median Net Margin % is 27.07. Hills Bancorp's value of 43.60% is 61.1% above this industry median. Based on the distribution chart, Hills Bancorp ranks #313 out of 1526 companies in the Banks industry, which is in the top quartile — a strong position 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 Net Margin % compare to IBCP and SHBI?
According to the Banks industry distribution chart, Hills Bancorp ranks #313 out of 1526 companies for Net Margin %. This places Hills Bancorp in the top 21% of its industry — outperforming the majority of peers. The industry median Net Margin % is 27.07. Hills Bancorp's value of 43.60% is 61.1% above this benchmark. Historically, Hills Bancorp's own Net Margin % has ranged from 25.79 to 37.25 over the past decade. While the company's 10-year median is 32.50 vs. the industry median of 27.07, 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 27.07, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Hills Bancorp's current Net Margin % of 43.60% is 61.1% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Hills Bancorp and its competitors. For the Banks industry, the median Net Margin % is 27.07 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Hills Bancorp's current Net Margin % is 43.60%, which is 34% above median its own 10-year median of 32.50. 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 Net Margin % is 43.60%, which is 34% above median its 10-year median of 32.50 and 61.1% above the Banks industry median of 27.07. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Hills Bancorp (HBIA), the current Net Margin % is 43.60% 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:
Net Margin %: 43.60% (34% above median its 10-year median of 32.50)
GF Value™: $46.32 vs. price of $44.76 (3.4% below fair value)
Industry Position: 61.1% above the Banks median (#313 of 1526)
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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