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Hills BancorpHBIA +0.47%69 OCF Margin % is 42.03% as of Mar. 2026, which is 7% above its 10-year median of 39.19. 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 1,498 Banks companies, Hills Bancorp ranks better than 67.36% on this metric.
The historical data trend for Hills Bancorp's OCF 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 OCF Margin %, along with its competitors' market caps and OCF 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 OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Hills Bancorp's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Hills Bancorp's OCF 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 OCF Margin % of 42.03% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Hills Bancorp and its competitors. This is near median its historical median of 39.19. Over the past decade, Hills Bancorp's OCF Margin % has ranged from 6.27 to 61.68. According to the industry distribution chart, Hills Bancorp ranks #489 out of 1498 companies in the Banks industry, placing it in the top 32.6%.
Is Hills Bancorp's OCF Margin % too high?
Hills Bancorp's current OCF Margin % of 42.03% is near median its 10-year median of 39.19. Over the past 10 years, this metric has ranged from a low of 6.27 to a high of 61.68. The Banks industry median OCF Margin % is 29.27. Hills Bancorp's value of 42.03% is 43.6% above this industry median. Based on the distribution chart, Hills Bancorp ranks #489 out of 1498 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 OCF Margin % compare to IBCP and SHBI?
According to the Banks industry distribution chart, Hills Bancorp ranks #489 out of 1498 companies for OCF Margin %. This puts Hills Bancorp in the upper half of its industry. The industry median OCF Margin % is 29.27. Hills Bancorp's value of 42.03% is 43.6% above this benchmark. Historically, Hills Bancorp's own OCF Margin % has ranged from 6.27 to 61.68 over the past decade. While the company's 10-year median is 39.19 vs. the industry median of 29.27, 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 OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.27, based on 1,498 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Hills Bancorp's current OCF Margin % of 42.03% is 43.6% 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Hills Bancorp and its competitors. For the Banks industry, the median OCF Margin % is 29.27 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Hills Bancorp's current OCF Margin % is 42.03%, which is near median its own 10-year median of 39.19. 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 OCF Margin % is 42.03%, which is near median its 10-year median of 39.19 and 43.6% above the Banks industry median of 29.27. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Hills Bancorp (HBIA), the current OCF Margin % is 42.03% 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:
OCF Margin %: 42.03% (near median its 10-year median of 39.19)
GF Value™: $46.32 vs. price of $44.76 (3.4% below fair value)
Industry Position: 43.6% above the Banks median (#489 of 1498)
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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