Hills Bancorporation (HBIA): fair value, margin of safety and Wheel Score

Is HBIA undervalued?

Hills Bancorporation (HBIA) closed at 46.60 on 5 Nov 2026, 129% above the GLS average fair value of 20.37. 9 of the 9 models that produced a number value the shares below the current price. A gap this wide usually means the market is paying for growth or a story the trailing numbers do not show yet; the models work from filed results, not forecasts, so they are conservative by design.

The 9 models disagree widely: DDM gives 9.05 while Payback Time gives 33.59. A spread that wide means the average is sensitive to which methods you trust; the model table below shows where each one lands, and the Quote page lets you switch any of them off.

Ranked against every other company we cover, HBIA is clearly faster-growing than it is cheap, so the nightly engine files it under Growth (value score 10, growth score 59, out of 100).

Nine valuation models for HBIA

Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.

Quality and financial health

On financial health HBIA scores 9/9 (Piotroski): most of the nine tests - positive earnings and cash flow, falling debt, rising margins and turnover - are passed, which is the kind of balance sheet a wheel trader is happy to be assigned. The GLS Moat score is 7.3 out of 10: a record that is solid on some of the four parts the score weighs (returns on capital, pricing power, lasting growth, balance sheet) and weaker on others.

Returns on capital are thin or negative - ROIC 4.8%, ROE 10.0%, ROA 1.3% - with debt at 1.08 times equity and a free-cash-flow yield of 10.7%.

The dividend yield is 1.32% with a payout ratio of 29% - a small yield that leaves most of the earnings in the business. Revenue comes mainly from Fiduciary and Trust 56%, Deposit Account 44% (quarter Q2 FY2026).

Institutional ownership scores 1/10, insider activity 4/10 and Congressional trading 5/10 on the GLS smart-money scales; the last recorded insider buy was on 9 Oct 2026.

Wheel Score 25: No options

HBIA has no listed options in the nightly snapshot, so there is nothing to sell and the stock cannot be wheeled however good the business. It fails the first Wheel Trade Filter (options that actually trade), so the score stays under 70 and is shown as "No options" (25 here). The valuation and quality numbers still apply to owning the shares outright.

Volume runs at 0k shares a day on a market cap of $813M, with a beta of 0.11 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score rates that fair.

The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it fits into a trade, start to finish.

Upcoming events

No upcoming earnings date is recorded for HBIA in the nightly calendar.

Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.

Similar stocks in Banks - Regional

The 12 companies below are the closest to Hills Bancorporation by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.

⚖ Compare HBIA with 7 of them   All Financial Services stocks →