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    Banks - Regional
Hills Bancorporation

Hills Bancorporation

HBIA
Hills BancorporationUS flagOther OTC
44.76
USD
- -
- -
3.13BMarket Cap
Hills Bancorporation
HBIA
(Other OTC)

Recent

price

44.76

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
4.95
4.91
4.69
4.63
4.84
5.24
5.47
5.83
6.21
6.53
6.93
7.41
7.7
7.76
7.88
9.83
10.33
Revenue per Share
1.32
1.5
1.42
1.38
1.44
1.52
1.7
1.5
1.96
2.42
2.06
2.58
2.58
2.08
2.63
3.41
3.85
Basic EPS, GAAP
2.03
0.96
1.2
3.07
1.67
1.34
1.17
2.31
2.43
1.93
0.34
4.49
2.94
2.71
2.82
3.67
4.02
Free Cash Flow per Basic Share
0.23
0.25
0.26
0.28
0.29
0.31
0.33
0.35
0.37
0.41
0.44
0.47
0.5
0.53
0.56
0.58
0.61
Dividend per Share
10.52
11.67
12.17
13.29
14.48
15.76
17.23
18.3
19.85
21.89
23.47
25.49
27.67
29.49
31.98
35.43
36.21
Book Value per Share
9.29
13.13
13.43
14.38
15.32
16.44
17.63
18.89
20.35
22.69
24.6
26.11
25.72
27.93
29.75
33.81
34.02
Tangible Book Value per Share
18
18
19
19
19
19
19
19
19
19
19
19
19
18
18
18
18
Basic Weighted Avg Shares
87
87
88
87
91
98
102
109
116
122
130
138
143
142
143
175
183
Sales/Revenue/Turnover
37.34
- -
42.25
42.23
41.92
41.72
45.23
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
3
2
3
3
3
3
3
3
3
3
4
3
3
3
3
5
5
Depreciation Expense
23
27
27
26
27
28
32
28
37
45
39
48
48
38
48
61
68
Net Income, GAAP
28.42
28.8
28.21
29.62
29.21
30.5
31.33
41.05
19.5
21.69
22.59
22.56
21.55
21.24
20.93
20.07
20.4
Effective Tax Rate (%)
26.73
30.6
30.33
29.72
29.67
29
31.06
25.79
31.62
37.07
29.75
34.86
33.44
26.79
33.37
34.67
37.25
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
195
185
125
167
187
269
268
295
215
185
105
- -
122
297
127
64
64
LT Debt
166
236
256
273
290
310
330
355
384
427
463
488
479
515
541
603
604
Total Equity
5.46
- -
6
5.75
5.62
5.38
5.36
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
13.27
13.62
12.27
10.8
10.33
10.03
10.27
8.48
10.31
11.6
9.1
10.52
9.67
7.24
8.5
10.02
11.12
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
589
587
380
LT Borrowings
77
64
64
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
18
18
17
Market Capitalization
1,419
1,459
1,478

Working Capital

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
387
844
861
Accounts Receivable, Net
25
23
26
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
4
3
3
ST Debt
589
587
380
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
6.95%
5.49%
11.42%
Free Cash Flow
120.37%
243.35%
27.62%
Net Income, GAAP
9.5%
11.09%
27.09%
Sales/Revenue/Turnover
6.1%
6.39%
22.35%
Total Cash Common Dividend
5.85%
4.39%
2.64%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
35
36
37
35
143
2025
42
46
43
44
175
2026
50
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.66
0.68
0.67
- -
2.63
2025
0.81
1.05
0.73
- -
3.41
2026
1.25
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.55
- -
- -
- -
0.56
2025
0.58
- -
- -
- -
0.58
2026
0.62
- -
- -
- -
- -
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Business
Hills Bancorporation (HBIA) operates as the bank holding company for Hills Bank and Trust Company, a full-service commercial bank providing a range of banking products and services to individuals, businesses, governmental units, and institutional customers primarily in the state of Iowa. The Bank accepts various deposits, including demand, savings, and time deposits; extends real estate loans comprising residential, multi-family, commercial real estate, mortgage, and construction loans; originates commercial and financial loans such as lines of credit for working capital, term loans for equipment, and loans to contractors and retailers; offers agricultural loans secured by crops, livestock, and machinery to finance production, capital improvements, and farm operations; and provides consumer loans including automobile, installment, and personal loans. In addition, the Bank maintains night and safe deposit facilities, performs collection and exchange services, administers estates, personal trusts, and pension plans, and delivers farm management, investment advisory, and custodial services for individuals, corporations, and nonprofit organizations. Headquartered in Hills, Iowa, with operations conducted exclusively within the state across multiple offices in counties including Johnson, Linn, and Washington, Hills Bancorporation was incorporated on December 12, 1982, as the holding company for Hills Bank and Trust Company, which traces its origins to 1904. In a significant leadership transition, the Board of Directors appointed Lisa Shileny as President and Chief Executive Officer of both Hills Bancorporation and Hills Bank and Trust Company, effective January 1, 2025; Ms. Shileny, who joined the Bank in 2005 and previously served as President and Chief Operating Officer, succeeded long-serving CEO Dwight Seegmiller, who transitioned to a management advisory role through his retirement in April 2025 after guiding the Bank's asset growth from $220 million in 1986 to over $4.3 billion.