Hills Bancorporation
Market Cap
US$596.4m
Last Updated
2019/08/22 23:38 UTC
Data Sources
Company Financials
Executive Summary
Hills Bancorporation operates as the bank holding company for Hills Bank and Trust Company that provides commercial banking services to individuals, businesses, governmental units, and institutional customers in Iowa.
Snowflake
Fundamentals
Flawless balance sheet with acceptable track record.
Risks
- Hills Bancorporation is not covered by any analysts.
Similar Companies
Share Price & News
How has Hills Bancorporation's share price performed over time and what events caused price changes?
Latest Share Price and Events
Market Performance
7 Day Return
-1.1%
OTCPK:HBIA
3.3%
US Banks
2.1%
US Market
1 Year Return
n/a
OTCPK:HBIA
-13.8%
US Banks
-0.04%
US Market
No trading data on HBIA.
No trading data on HBIA.
Share holder returns
| HBIA | Industry | Market | |
|---|---|---|---|
| 7 Day | -1.1% | 3.3% | 2.1% |
| 30 Day | 0% | -7.0% | -3.2% |
| 90 Day | 1.3% | -2.3% | 2.8% |
| 1 Year | n/a | -11.3%-13.8% | 2.2%-0.04% |
| 3 Year | 40.2%40.2% | 42.5%32.7% | 41.5%32.3% |
| 5 Year | 69.6%69.6% | 54.2%37.6% | 55.0%37.8% |
Price Volatility Vs. Market
How volatile is Hills Bancorporation's share price compared to the market and industry in the last 5 years?
Simply Wall St News
No news available
Valuation
Is Hills Bancorporation undervalued based on future cash flows and its price relative to the stock market?
15.6x
Price to Earnings (PE) ratio
Intrinsic Value Based on Future Cash Flows
Hills Bancorporation's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).
Hills Bancorporation's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).
Price Based on Earnings
Hills Bancorporation is overvalued based on earnings compared to the US Banks industry average.
Hills Bancorporation is good value based on earnings compared to the United States of America market.
Price Based on Expected Growth
Unable to calculate PEG ratio for Hills Bancorporation, we can't assess if its growth is good value.
Price Based on Value of Assets
Hills Bancorporation is overvalued based on assets compared to the US Banks industry average.
Next Steps
Future Growth
How is Hills Bancorporation expected to perform in the next 1 to 3 years based on estimates from 0 analysts?
4.2%
Forecasted annual earnings growth
Earnings and Revenue Growth Estimates
Future Annual Growth Analysis
Unable to determine if Hills Bancorporation is high growth as no revenue estimate data is available.
Hills Bancorporation's earnings are expected to grow by 4.2% yearly, however this is not considered high growth (20% yearly).
Unable to compare Hills Bancorporation's revenue growth to the United States of America market average as no estimate data is available.
Hills Bancorporation's earnings growth is positive but not above the United States of America market average.
Hills Bancorporation's earnings growth is expected to exceed the low risk savings rate of 2.7%.
Earnings per Share Growth Estimates
Future Return on Equity
Unable to establish if Hills Bancorporation will efficiently use shareholders’ funds in the future without estimates of Return on Equity.
Next Steps
Past Performance
How has Hills Bancorporation performed over the past 5 years?
6.7%
Historical annual earnings growth
Earnings and Revenue History
Past Earnings Growth Analysis
Hills Bancorporation's year on year earnings growth rate has been positive over the past 5 years.
Hills Bancorporation's 1-year earnings growth exceeds its 5-year average (13.7% vs 6.7%)
Hills Bancorporation's earnings growth has not exceeded the US Banks industry average in the past year (13.7% vs 33.2%).
Return on Equity
Hills Bancorporation has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
Return on Assets
Hills Bancorporation used its assets more efficiently than the US Banks industry average last year based on Return on Assets.
Return on Capital Employed
Unable to establish if Hills Bancorporation improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.
Next Steps
Financial Health
How is Hills Bancorporation's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Information is not available.
Information is not available.
Financial Institutions Analysis
Hills Bancorporation has an acceptable proportion of non-loan assets held.
Hills Bancorporation has a sufficient allowance for bad loans.
Hills Bancorporation's liabilities are made up of primarily low risk sources of funding.
Hills Bancorporation's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).
Loans at Hills Bancorporation are broadly funded by customer deposits.
Hills Bancorporation has an acceptable level of bad loans (less than 2%).
Next Steps
Dividend
What is Hills Bancorporation's current dividend yield, its reliability and sustainability?
1.29%
Current Dividend Yield
Dividend Yield and Payments Analysis
Hills Bancorporation's pays a lower dividend yield than the bottom 25% of dividend payers in United States of America (1.49%).
Hills Bancorporation's dividend is below the markets top 25% of dividend payers in United States of America (3.84%).
Dividends per share have been stable in the past 10 years.
Dividends per share have increased over the past 10 years.
Current Payout to Shareholders
Dividends paid are well covered by earnings (5x coverage).
Future Payout to Shareholders
Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.
Next Steps
Management
What is the CEO of Hills Bancorporation's salary, the management and board of directors tenure and is there insider trading?
13.1yrs
Average management tenure
CEO
Dwight Seegmiller (66yo)
0.0yrs
Tenure
US$533,180
Compensation
Mr. Dwight O. Seegmiller has served as a Director of Hills Bancorporation (the “Company”) since 1986 and Hills Bank and Trust Company (the “Bank”) since 1986. Mr. Seegmiller is the President and Chief Exec ...
CEO Compensation Analysis
Dwight's remuneration is lower than average for companies of similar size in United States of America.
Dwight's compensation has been consistent with company performance over the past year, both up more than 20%.
Management Age and Tenure
13.1yrs
Average Tenure
62yo
Average Age
The average tenure for the Hills Bancorporation management team is over 5 years, this suggests they are a seasoned and experienced team.
Board Age and Tenure
12.3yrs
Average Tenure
65yo
Average Age
The average tenure for the Hills Bancorporation board of directors is over 10 years, this suggests they are a seasoned and experienced board.
Insider Trading
More shares have been bought than sold by Hills Bancorporation individual insiders in the past 3 months, but not in substantial volumes.
Recent Insider Transactions
| Entity | Individual |
| Role | Other Key Executive Senior VP & Director of Commercial Banking - Hills Bank & Trust |
| Shares | 40.32 |
| Max Price | US$55.80 |
| Entity | Individual |
| Role | Other Key Executive Senior VP & Director of Commercial Banking - Hills Bank & Trust |
| Shares | 40.98 |
| Max Price | US$54.90 |
| Entity | Individual |
| Role | Other Key Executive Senior VP & Director of Trust Services - Hills Bank & Trust |
| Shares | 9 |
| Max Price | US$61.00 |
| Entity | Individual |
| Role | Member of the Board of Directors Director |
| Shares | 46.79 |
| Max Price | US$61.00 |
| Entity | Individual |
| Role | Member of the Board of Directors Director |
| Shares | 665 |
| Max Price | US$61.00 |
| Entity | Individual |
| Role | Member of the Board of Directors Director |
| Shares | 116.59 |
| Max Price | US$61.00 |
| Entity | Individual |
| Role | Other Key Executive Senior VP & Director of Commercial Banking - Hills Bank & Trust |
| Shares | 42.02 |
| Max Price | US$53.55 |
| Entity | Individual |
| Role | Other Key Executive Senior VP & Director of Trust Services - Hills Bank & Trust |
| Shares | 300 |
| Max Price | US$61.00 |
| Entity | Individual |
| Role | Other Key Executive Senior VP & Director of Commercial Banking - Hills Bank & Trust |
| Shares | 43.1 |
| Max Price | US$52.20 |
Ownership Breakdown
Management Team
Dwight Seegmiller (66yo)
President
- Tenure: 0.0yrs
- Compensation: US$533.18k
Theodore Pacha (70yo)
VP & Director
- Tenure: 0.0yrs
- Compensation: US$36.83k
Richard Oberman (83yo)
Vice President
- Tenure: 0.0yrs
- Compensation: US$21.93k
Steven Ropp (58yo)
Senior VP & Director of Commercial Banking - Hills Bank & Trust
- Tenure: 11.6yrs
- Compensation: US$222.49k
Timothy Finer (57yo)
Senior VP
- Tenure: 14.6yrs
- Compensation: US$205.61k
Bradford Zuber (62yo)
Senior VP & Director of Trust Services - Hills Bank & Trust
- Tenure: 32.6yrs
- Compensation: US$231.42k
Shari DeMaris (50yo)
Secretary
- Tenure: 6.8yrs
- Compensation: US$350.33k
Board Members
Dwight Seegmiller (66yo)
President
- Tenure: 0.0yrs
- Compensation: US$533.18k
Sheldon Yoder (66yo)
Director
- Tenure: 22.6yrs
- Compensation: US$34.50k
Ann Rhodes (65yo)
Director
- Tenure: 26.6yrs
- Compensation: US$32.84k
Theodore Pacha (70yo)
VP & Director
- Tenure: 0.0yrs
- Compensation: US$36.83k
Michael Hodge (65yo)
Director
- Tenure: 19.6yrs
- Compensation: US$28.69k
John Phelan (64yo)
Director
- Tenure: 12.3yrs
- Compensation: US$32.40k
Michael Donovan (56yo)
Director
- Tenure: 12.3yrs
- Compensation: US$32.04k
Emily Hughes (51yo)
Director
- Tenure: 7.3yrs
- Compensation: US$35.40k
Tom Wiele (66yo)
Director
- Tenure: 7.3yrs
- Compensation: US$36.35k
James Schmitt (63yo)
Director
- Tenure: 0.3yrs
Company Information
Hills Bancorporation's company bio, employee growth, exchange listings and data sources
Key Information
- Name: Hills Bancorporation
- Ticker: HBIA
- Exchange: OTCPK
- Founded: 1904
- Industry: Regional Banks
- Sector: Banks
- Market Cap: US$596.405m
- Shares outstanding: 9.35m
- Website: https://www.hillsbank.com
Number of Employees
Location
- Hills Bancorporation
- 131 East Main Street
- PO Box 160
- Hills
- Iowa
- 52235
- United States
Listings
| Ticker | Exchange | Primary Security | Security Type | Country | Currency | Listed on |
|---|---|---|---|---|---|---|
| HBIA | OTCPK (Pink Sheets LLC) | Yes | Common Stock | US | USD | Jul 1999 |
Biography
Hills Bancorporation operates as the bank holding company for Hills Bank and Trust Company that provides commercial banking services to individuals, businesses, governmental units, and institutional custom ...
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2019/08/22 23:38 |
| End of Day Share Price | 2019/08/19 00:00 |
| Earnings | 2019/06/30 |
| Annual Earnings | 2018/12/31 |
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.