HBIA (Hills Bancorp) ROC (Joel Greenblatt) %: % (As of Mar. 2026)

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Director of Data and Quant Analytics at GuruFocus
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.
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Charlie Tian
Founder & CEO of GuruFocus
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.

HBIA Hills Bancorp HBIA
71 GF Score
Price $47.09
GF Value $46.40
Valuation Fairly Valued
! 5 Warning Signs
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What is Hills Bancorp ROC (Joel Greenblatt) %?

Hills Bancorp HBIA 71 ROC (Joel Greenblatt) % is % as of Mar. 2026. GuruFocus rates HBIA with a GF Score™ of 71/100 and a GF Value™ of $46.40 (Fairly Valued). The stock has 5 warning signs investors should review. Among 46 Banks companies, Hills Bancorp ranks worse than 2173910.87% on this metric.

ROC (Joel Greenblatt) % does not apply to banks and insurance companies.

HBIA
71GF Score
Hills Bancorp HBIA
ROC (Joel Greenblatt) % is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a ROC (Joel Greenblatt) % of % mean?
Hills Bancorp (HBIA) has a ROC (Joel Greenblatt) % of % as of Mar. 2026. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Hills Bancorp and its competitors. According to the industry distribution chart, Hills Bancorp ranks #999999 out of 46 companies in the Banks industry.
Is Hills Bancorp's ROC (Joel Greenblatt) % too high?
Hills Bancorp's current ROC (Joel Greenblatt) % is %. Based on the distribution chart, Hills Bancorp ranks #999999 out of 46 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Hills Bancorp has a GF Score™ of 71/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Hills Bancorp's ROC (Joel Greenblatt) % compare to IBCP and SHBI?
According to the Banks industry distribution chart, Hills Bancorp ranks #999999 out of 46 companies for ROC (Joel Greenblatt) %. This places Hills Bancorp in the lower half of its industry. The industry median ROC (Joel Greenblatt) % is 63.39. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC (Joel Greenblatt) % for a Banks company?
The median ROC (Joel Greenblatt) % among Banks companies is 63.39, based on 46 companies in the industry. Companies in the top quartile (top 25%) have a ROC (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, ROC (Joel Greenblatt) % 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 ROC (Joel Greenblatt) % mean?
A high ROC (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Hills Bancorp and its competitors. For the Banks industry, the median ROC (Joel Greenblatt) % is 63.39 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Hills Bancorp's current ROC (Joel Greenblatt) % is %. 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 $46.40, compared to a current price of $47.09 — trading 1.5% above its estimated fair value. The current ROC (Joel Greenblatt) % is %. Hills Bancorp's overall GF Score™ is 71/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROC (Joel Greenblatt) % calculated?
ROC (Joel Greenblatt) % is calculated from a company's financial statements. For Hills Bancorp (HBIA), the current ROC (Joel Greenblatt) % is % 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 overvalued. The current stock price of $47.09 is trading 1.5% above its estimated GF Value™ of $46.40. GuruFocus considers Hills Bancorp to be Fairly Valued.

Key valuation signals for HBIA:

  • ROC (Joel Greenblatt) %: %
  • GF Value™: $46.40 vs. price of $47.09 (1.5% above fair value)
  • GF Score™: 71/100 with 5 warning signs

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 Business Description

Address 131 E. Main Street, PO Box 160, Hills, IA, USA, 52235
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.
71GF Score

Get the complete analysis for HBIA

ROC (Joel Greenblatt) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$47.09
Price
$46.40
GF Value