How does HBIA's PE Ratio compare to its peers?

HBIA is expensive based on its Price-To-Earnings Ratio (14.7x) compared to the peer average (12.8x).

How does HBIA's PE Ratio compare vs other companies in the US Banks Industry?

HBIA is expensive based on its Price-To-Earnings Ratio (14.7x) compared to the US Banks industry average (12.4x).

What is HBIA's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

Insufficient data to calculate HBIA's Price-To-Earnings Fair Ratio for valuation analysis.

What is the Fair Price of HBIA when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

HBIA ($71) is trading below our estimate of [[fair value]] ($93.34)

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Insufficient data to show price forecast.

HBIA Stock Overview

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. More details

HBIA fundamental analysis
Snowflake Score
Valuation	2/6
Future Growth	0/6
Past Performance	3/6
Financial Health	6/6
Dividends	4/6

Rewards

Trading at 23.9% below our estimate of its fair value

Earnings grew by 0.4% over the past year

Pays a reliable dividend of 1.55%

Risk Analysis

Shares are highly illiquid

Earnings have declined by 0.3% per year over past 5 years

My Notes

Capture your thoughts, links and company narrative

Hills Bancorporation Competitors

TrustCo Bank Corp NY

NasdaqGS:TRST

US$638.2m

Camden National

NasdaqGS:CAC

US$632.9m

Hanmi Financial

NasdaqGS:HAFC

US$709.2m

South Plains Financial

NasdaqGS:SPFI

US$587.2m

Price History & Performance

Summary of share price highs, lows and changes for Hills Bancorporation
Historical stock prices
Current Share Price	US$71.00
52 Week High	US$76.00
52 Week Low	US$64.02
Beta	0.039
1 Month Change	-1.05%
3 Month Change	n/a
1 Year Change	-1.80%
3 Year Change	4.78%
5 Year Change	8.40%
Change since IPO	752.00%

Recent updates

Shareholder Returns

	HBIA	US Banks	US Market
7D	0.7%	-3.4%	-2.2%
1Y	-1.8%	29.3%	23.9%

Return vs Industry: HBIA underperformed the US Banks industry which returned 29.3% over the past year.

Return vs Market: HBIA underperformed the US Market which returned 23.9% over the past year.

Price Volatility

Is HBIA's price volatile compared to industry and market?
HBIA volatility
HBIA Average Weekly Movement	n/a
Banks Industry Average Movement	5.2%
Market Average Movement	6.3%
10% most volatile stocks in US Market	17.0%
10% least volatile stocks in US Market	3.1%

Stable Share Price: HBIA's share price has been volatile over the past 3 months compared to the US market.

Volatility Over Time: Insufficient data to determine HBIA's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1904	496	Dwight Seegmiller	www.hillsbank.com

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. It accepts various deposits, such as demand, savings, and time deposits; and offers products, including real estate loans comprising residential, multi-family, and commercial real estate loans; mortgage and construction loans; commercial and financial loans; agricultural loans; and personal, automobile, installment, and other consumer loans. The company also maintains night and safe deposit facilities; and provides collection, exchange, and other banking services.

Hills Bancorporation Fundamentals Summary

How do Hills Bancorporation's earnings and revenue compare to its market cap?
HBIA fundamental statistics
Market cap	US$638.02m
Earnings (TTM)	US$43.49m
Revenue (TTM)	US$134.86m

14.7x

P/E Ratio

1.3x

P/B Ratio

Is HBIA overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
HBIA income statement (TTM)
Revenue	US$134.86m
Cost of Revenue	US$0
Gross Profit	US$134.86m
Other Expenses	US$91.37m
Earnings	US$43.49m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	4.84
Gross Margin	100.00%
Net Profit Margin	32.25%
Debt/Equity Ratio	96.7%

How did HBIA perform over the long term?

See historical performance and comparison

Dividends

1.5%

Current Dividend Yield

23%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/24 11:19
End of Day Share Price	2024/12/20 00:00
Earnings	2024/09/30
Annual Earnings	2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Hills Bancorporation is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution