Stocktoria
HILLS BANCORPORATION HBIA
HILLS BANCORPORATION (HBIA) earns a Piotroski F-score of 5/9 (mixed financial health). It pays a dividend yielding 1.33% (safety: safe).
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
How it ranks in Finance, Insurance & Real Estate · percentile among 1130 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 5/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| HBIA | HILLS BANCORPORATION | 5/9 | — | 12.9 | — |
| STT | STATE STREET CORP | 6/9 | — | 15.8 | +7.3% |
| FCNCA | FIRST CITIZENS BANCSHARES INC /DE/ | 5/9 | — | 10.8 | -2.2% |
| CFG | CITIZENS FINANCIAL GROUP INC/RI | 7/9 | — | 16.3 | +5.6% |
| NTRS | NORTHERN TRUST CORP | 4/9 | — | 18.5 | -2.5% |
| ALLY | Ally Financial Inc. | 5/9 | — | 17 | -3.3% |
| MTB | M&T BANK CORP | 7/9 | — | 12.2 | +7.5% |
All Finance, Insurance & Real Estate companies →
About HILLS BANCORPORATION
Hills Bancorporation operates as the bank holding company for Hills Bank and Trust Company that provides commercial banking in the state of Iowa. 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 automobile, installment, and other consumer loans. The company also maintains night and safe deposit facilities; and provides collection, exchange, and other banking services. In addition, it administers estates, personal trusts, and pension plans; offers farm management, investment advisory, and custodial services for individuals, corporations, and nonprofit organizations; and originates mortgages that are sold in the secondary residential real estate market without mortgage servicing rights being retained. The company operates through its main office and its full-service branches in the Iowa counties of Johnson, Linn, and Washington. It serves individuals, businesses, governmental units, and institutional customers. The company was founded in 1904 and is headquartered in Hills, Iowa.
FAQ
Is HBIA financially healthy?
HILLS BANCORPORATION's Piotroski F-score is 5/9 (8–9 is excellent, 0–3 weak).
Does HBIA pay a dividend, and is it safe?
Yes. HILLS BANCORPORATION pays a dividend yielding about 1.33% with a 17.1% payout ratio, rated “safe” for safety.
How profitable is HBIA?
In FY2025, HILLS BANCORPORATION had a return on equity of 11.0%.
Is HBIA overvalued or undervalued?
HILLS BANCORPORATION trades at about 7.0× trailing earnings — below its 10-year norm (10-year range 11.7×–36.5×, median 28.3×). Stocktoria reports the data, not buy/sell advice.
Is HBIA a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on HILLS BANCORPORATION: a Piotroski F-score of 5/9, a P/E of about 12.9×, a dividend yield of 1.33%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.