HBIA (Hills Bancorp) Altman Z-Score

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
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.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
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
69 GF Score
Price $44.76
GF Value $46.32
Valuation Fairly Valued
! 5 Warning Signs
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What is Hills Bancorp Altman Z-Score?

The Altman Z-Score is a model designed to predict the likelihood of a company going bankrupt within the next two years. Created by American finance professor Edward Altman in 1968, the model is specifically designed for publicly traded manufacturing companies with assets greater than $1 million.

Altman Z-Score does not apply to banks and insurance companies.

HBIA
69GF Score
Hills Bancorp HBIA
Altman Z-Score is just one metric. See GF Score™, valuation, warning signs, and more.
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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:

  • Altman Z-Score:
  • GF Value™: $46.32 vs. price of $44.76 (3.4% below fair value)
  • GF Score™: 69/100 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.
69GF Score

Get the complete analysis for HBIA

Altman Z-Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$44.76
Price
$46.32
GF Value