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Hills Bancorporation

(OTC) HBIA

Current Price$44.76
Market Cap$778.54MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (1999)+986%
5 Year+45%
1 Year+17%
1 Month-10%
Hills Bancorporation last closing stock price
MetricPriceDate
Last closeUSD 44.552026-07-16
Hills Bancorporation stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+0%USD 44.552026-07-09
1 month-10.01%USD 49.512026-06-16
3 month+2.41%USD 43.502026-04-14
Year to date+10.28%USD 40.402025-12-30
1 year+17.44%USD 37.932025-07-16
3 year+39.39%USD 31.962023-07-17
5 year+44.58%USD 30.812021-07-14
Since inception+985.73%USD 4.101999-07-22

Hills Bancorporation Financials at a Glance

Market Cap

$778.54MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$262.65M

Net Income (TTM)

$68.01M

EPS (TTM)

$3.85

P/E Ratio

11.56

Dividend

$1.23

Beta (Volatility)

0.12 (Low)

Price

$44.76

Volume

112

Open

$44.76

Previous Close

$44.55

Daily Range

$44.76 - $44.76

52-Week Range

$36.88 - $99.01

Estimated Earnings Date

May 7, 2026

HBIA News

No articles available.

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About Hills Bancorporation

Hills Bancorporation helps people and businesses manage money and access loans. It offers checking, savings, and mortgages for daily needs. Local farmers, families, and companies use its services to grow and plan ahead.

Money Matters: What Hills Bancorporation Offers

  • Deposit Accounts: Checking, savings, and time deposits for individuals and businesses (main funding source).
  • Real Estate Loans: Mortgages and construction loans for homes, businesses, and farms (86.4% of loan portfolio).
  • Commercial and Agricultural Loans: Financing for local businesses and farms (11.6% of loan portfolio).
  • Consumer Loans: Personal, auto, and installment loans for everyday purchases (0.8% of loan portfolio).
  • Trust and Wealth Management: Estate, trust, and investment services for individuals and organizations (trust fees: $17.1M in 2025).
  • Other Banking Services: Safe deposit boxes, payment processing, and collection services for local customers.

Branching Out: Growth Moves and Milestones

  • Opened a new branch in Williamsburg, Iowa County in November 2024.
  • Expanded trust and wealth management, growing assets under management by 13.77% in 2025.
  • Repositioned investment portfolio in 2025, selling lower-yield securities for higher-yield assets.
  • Maintained a strong local presence with 18 branches across four Iowa counties as of 2025.

Why Hills Bancorporation Stands Out

The company focuses on Eastern Iowa, building strong local relationships. It manages a large trust and wealth business alongside traditional banking. Its capital ratios remain well above regulatory minimums, supporting stability.

Five Things You Need to Know

  • Interest income was $233.8 million in 2025, up 14.9% from 2024.
  • Net income reached $60.5 million in 2025, a 27.1% increase year-on-year.
  • Trust assets under management grew 13.8% to $3.31 billion in 2025.
  • Real estate loans made up 86.4% of the loan portfolio at year-end 2025.
  • Community Bank Leverage Ratio was 12.94% in 2025, above the 9% minimum.

Bottom Line

Hills Bancorporation has grown by focusing on local banking and trust services. Its steady expansion and strong capital base support its role in Eastern Iowa’s financial landscape.

AI Generated • Apr 16, 2026

Industry

Banks

Sector

Financials

Employees

509

CEO

Lisa A. Shileny

Website

www.hillsbank.com

Headquarters

Hills, IA 52235, US

HBIA Financials

Key Financial Metrics (TTM)

Gross Margin

66.29%

Operating Margin

32.53%

Net Income Margin

25.89%

Return on Equity

11.56%

Return on Capital

6.03%

Return on Assets

1.46%

Earnings Yield

8.65%

Dividend Yield

1.38%

Payout Ratio

15.89%

Stock Overview

Market Cap

$778.54MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

17.48M

Volume

112

Avg. Volume

193.274

Financials (TTM)

Gross Profit

$174.11M

Operating Income

$85.44M

EBITDA

$87.27M

Operating Cash Flow

$76.38M

Capital Expenditure

-$3.82M

Free Cash Flow

$72.57M

Cash & ST Invst.

$861.17M

Total Debt

$444.27M

Hills Bancorporation Performance Analysis

Hills Bancorporation annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 158,867,0002.1%
20232023-12-31USD 199,525,00025.6%
20242024-12-31USD 230,261,00015.4%
20252025-12-31USD 258,123,00012.1%
Hills Bancorporation sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-305.0%
Q32025-09-30-3.6%
Q42025-12-31-1.5%
Q12026-03-319.2%
Hills Bancorporation annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 2.58-0.2%
20232023-12-31USD 2.08-19.3%
20242024-12-31USD 2.6326.4%
20252025-12-31USD 3.4129.6%
Hills Bancorporation sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-3029.8%
Q32025-09-30-30.6%
Q42025-12-3113.8%
Q12026-03-3155.2%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q1 2026YOY CHG

Revenue

$68.92M

+8.8%

Gross Profit

$51.39M

+33.8%

Gross Margin

74.57%

N/A

Market Cap

$778.54MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$1.58M

N/A

Employees

494

N/A

Net Income

$21.94M

+52.0%

EBITDA

$27.97M

+46.6%

Quarterly Fundamentals

Name
Q1 2026YOY CHG

Total Cash

$861.17M

+90.8%

Total Debt

$444.27M

-12.9%

Accounts Receivable

$25.73M

+8.1%

Inventory

$0.00

N/A

Long Term Debt

$65.47M

-87.2%

Short Term Debt

$380.19M

+152585.5%

Return on Assets

1.46%

N/A

Return on Invested Capital

1.99%

N/A

Free Cash Flow

$20.54M

+40.9%

Operating Cash Flow

$21.15M

+40.6%

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Questions About HBIA

What is the current price of Hills Bancorporation?

Hills Bancorporation is trading at $44.76 per share.

What is the 52-week range for Hills Bancorporation?

Over the past 52 weeks, Hills Bancorporation has traded between $36.88 and $99.01.

How much debt does Hills Bancorporation have?

As of the most recent reporting period, Hills Bancorporation reported total debt of $445.91M.

How much cash does Hills Bancorporation have on hand?

Hills Bancorporation does not have cash on hand data available.

What is Hills Bancorporation’s dividend yield?

Hills Bancorporation currently has a dividend yield of 1.38%.

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