A Business at a Glance
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Hills Bancorporation (the "Company") is a holding company principally engaged, through its subsidiary bank, in the business of banking. The Company was incorporated December 12, 1982 and all operations are conducted within the state of Iowa. The Company became owner of 100% of the outstanding stock of Hills Bank and Trust Company, Hills, Iowa (“Hills Bank and Trust” or the “Bank”) as of January 23, 1984 when stockholders of Hills Bank and Trust exchanged their shares for shares of the Company. Effective July 1, 1996, the Company formed a new subsidiary, Hills Bank, which acquired for cash all the outstanding shares of a bank in Lisbon, Iowa. Subsequently an office of Hills Bank was opened in Mount Vernon, Iowa, a community that is contiguous to Lisbon. Effective November 17, 2000, Hills Bank was merged into the Bank.
| Metric | TTM | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|---|
| Revenue | 165M | 143M | 142M | 143M | 138M | 130M |
| Net Income | 57M | 48M | 38M | 48M | 48M | 39M |
| EPS | $6.39 | $5.26 | $4.16 | $5.15 | $5.16 | $4.12 |
| Free Cash Flow | 54M | 51M | 50M | 55M | 84M | 6.3M |
| ROIC | 0.0% | 9.9% | 8.1% | 11.2% | 11.0% | 9.3% |
| Gross Margin | - | 98.5% | 89.0% | 95.6% | 96.0% | 96.6% |
| Debt/Equity | 1.11 | 1.11 | 0.47 | 0.19 | 8.11 | 7.98 |
| Dividends/Share | $1.17 | $1.10 | $1.05 | $1.00 | $0.94 | $0.89 |
| Operating Income | 0 | 60M | 48M | 61M | 62M | 50M |
| Operating Margin | 0.0% | 42.2% | 34.0% | 42.6% | 45.0% | 38.4% |
| ROE | 10.7% | 9.9% | 8.1% | 11.2% | 11.0% | 9.3% |
| Shares Outstanding | 9M | 9M | 9M | 9M | 9M | 9M |
HILLS BANCORPORATION passes 3 of 9 quality checks, indicating weak fundamentals.
HILLS BANCORPORATION trades at 13.3x trailing earnings, compared to its 15-year median P/E of 14.0x, suggesting it is currently Fair relative to its historical range. On a free-cash-flow basis, the stock trades at 13.9x vs a median of 13.1x. The company's 5-year average ROIC is 9.9% with a gross margin of 95.1%. Total shareholder yield (dividends + buybacks) is 3.1%. At current prices, the estimated annualized return to fair value is +12.4%.
HILLS BANCORPORATION (HBIA) has a current P/E ratio of 13.3, compared to its historical median P/E of 14.0. The stock is currently considered Fair based on its historical valuation range.
HILLS BANCORPORATION (HBIA) has a 5-year average return on invested capital (ROIC) of 9.9%. This is below average and may indicate limited pricing power.
HILLS BANCORPORATION (HBIA) has a market capitalization of $752M. It is classified as a small-cap stock.
Yes, HILLS BANCORPORATION (HBIA) pays a dividend with a trailing twelve-month yield of 1.37%. The company also returns capital through share buybacks, with a buyback yield of 1.72%.
Based on historical P/E analysis, HILLS BANCORPORATION (HBIA) appears fair. The current P/E of 13.3 is 5% below its historical median of 14.0. The estimated fair value CAGR (P/E method) is 4.2%.
HILLS BANCORPORATION (HBIA) operates in the State Commercial Banks industry, within the Financials sector.
HILLS BANCORPORATION (HBIA) reported annual revenue of $143 million in its most recent fiscal year, based on SEC EDGAR filings.
HILLS BANCORPORATION (HBIA) has a net profit margin of 33.4%. This is a strong margin indicating high profitability.
HILLS BANCORPORATION (HBIA) generated $51 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
HILLS BANCORPORATION (HBIA) has a debt-to-equity ratio of 1.11. This indicates moderate leverage.
HILLS BANCORPORATION (HBIA) reported earnings per share (EPS) of $5.26 in its most recent fiscal year.
HILLS BANCORPORATION (HBIA) has a return on equity (ROE) of 9.9%. This indicates moderate shareholder returns.
HILLS BANCORPORATION (HBIA) has a 5-year average gross margin of 95.1%. This high margin suggests strong pricing power and a potential competitive moat.
The Ledger Terminal provides 16 years of financial data for HILLS BANCORPORATION (HBIA), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
HILLS BANCORPORATION (HBIA) has a book value per share of $54.44, based on its most recent annual SEC filing.
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