What is Hills Bancorpf's earnings per share (EPS)?

Hills Bancorpf (HBIA) reported diluted earnings per share of $6.81 for fiscal year 2025. This represents a 29.5% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Hills Bancorpf Financials

HBIA

Source SEC Filings (10-K/10-Q) Updated Mar 31, 2026 Currency USD FYE December

This page shows Hills Bancorpf (HBIA) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 17 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI HBIA FY2025 2026-05-11

Profit growth came from slightly higher returns on a huge asset base while leverage eased.

Return on assets moved from 0.9% to 1.3%, which is a meaningful earnings lift when the balance sheet is measured in billions rather than millions. At the same time, debt-to-equity fell to 7.4x, so net income of $60.5M was achieved with less balance-sheet stretch.

This year, operating cash flow of $68.8M exceeded net income of $60.5M, showing earnings were backed by cash rather than only accounting results. Because capital spending was only $3.7M, most operating cash remained available for dividends and buybacks, which together used about $25.9M.

Equity rose from $492.7M to $548.2M, showing the company added a thicker capital cushion even without making the balance sheet much larger. That matters because liabilities were roughly flat near $4.05B and cash fell to $42.1M, so the year looks more like capital accumulation than a push to expand funding.

Financial Health Signals

Financial Profile 6/100

Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →

Health score ≠ stock price. This rates the quality of Hills Bancorpf's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Leverage

Hills Bancorpf has elevated debt relative to equity (D/E of 7.38), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.

Returns

Hills Bancorpf's ROE of 11.0% shows moderate profitability relative to equity, earning a score of 33/100. This is up from 9.7% the prior year.

Piotroski F-Score Neutral

5/9

Hills Bancorpf passes 5 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), 1 of 2 leverage/liquidity signals pass.

Earnings Quality Cash-Backed

1.14x

For every $1 of reported earnings, Hills Bancorpf generates $1.14 in operating cash flow ($68.8M OCF vs $60.5M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

N/A

EBITDA

N/A

Net Income

$60.5M

YoY+27.1%

5Y CAGR+9.4%

10Y CAGR+7.8%

Hills Bancorpf reported $60.5M in net income in fiscal year 2025. This represents an increase of 27.1% from the prior year.

EPS (Diluted)

$6.81

YoY+29.5%

5Y CAGR+10.6%

10Y CAGR+8.4%

Hills Bancorpf earned $6.81 per diluted share (EPS) in fiscal year 2025. This represents an increase of 29.5% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$65.1M

YoY+27.6%

5Y CAGR+59.6%

10Y CAGR+10.0%

Hills Bancorpf generated $65.1M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 27.6% from the prior year.

Cash & Debt

$42.1M

YoY-65.9%

5Y CAGR-40.7%

10Y CAGR+1.7%

Hills Bancorpf held $42.1M in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

$1.15

YoY+4.5%

5Y CAGR+5.3%

10Y CAGR+6.3%

Hills Bancorpf paid $1.15 per share in dividends in fiscal year 2025. This represents an increase of 4.5% from the prior year.

Shares Outstanding

YoY-2.1%

5Y CAGR-1.2%

10Y CAGR-0.6%

Hills Bancorpf had 9M shares outstanding in fiscal year 2025. This represents a decrease of 2.1% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

N/A

Return on Equity

11.0%

YoY+1.4pp

5Y CAGR+1.8pp

10Y CAGR+0.6pp

Hills Bancorpf's ROE was 11.0% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 1.4 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$15.6M

YoY+21.2%

5Y CAGR+12.8%

10Y CAGR+16.3%

Hills Bancorpf spent $15.6M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 21.2% from the prior year.

Capital Expenditures

$3.7M

YoY-18.5%

5Y CAGR+14.6%

10Y CAGR-6.5%

Hills Bancorpf invested $3.7M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 18.5% from the prior year.

HBIA Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$46.2M+3.7%	$44.5M-0.8%	$44.9M+3.3%	$43.5M+2.4%	$42.5M+4.5%	$40.6M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$83.6M-4.6%	$87.6M+53.6%	$57.0M+254.6%	$16.1M-8.7%	$17.6M-34.6%	$27.0M
Income Tax	$15.2M+20.6%	$12.6M+22.3%	$10.3M-21.5%	$13.1M-6.4%	$14.0M+24.2%	$11.3M
Net Income	$60.5M+27.1%	$47.6M+24.7%	$38.2M-20.1%	$47.8M-0.7%	$48.1M+24.4%	$38.6M
EPS (Diluted)	$6.81+29.5%	$5.26+26.4%	$4.16-19.2%	$5.15-0.2%	$5.16+25.2%	$4.12

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Revenue	$4.0M	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$12.5M	N/A	$11.3M+0.7%	$11.3M-1.0%	$11.4M	N/A	$11.0M-0.2%	$11.1M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$18.6M	N/A	$21.3M+1.9%	$20.9M-0.5%	$21.0M	N/A	$22.4M+3.3%	$21.7M
Income Tax	$5.6M	N/A	$3.3M-34.8%	$5.0M+49.6%	$3.3M	N/A	$3.2M-4.5%	$3.3M
Net Income	$21.9M	N/A	$12.9M-30.8%	$18.7M+29.2%	$14.4M	N/A	$12.2M-1.2%	$12.3M
EPS (Diluted)	$2.50	N/A	$1.46-30.1%	$2.09+29.8%	$1.61	N/A	$1.350.0%	$1.35

HBIA Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$4.6B+1.3%	$4.6B+5.7%	$4.3B+9.1%	$4.0B-1.6%	$4.0B+6.9%	$3.8B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$42.1M-65.9%	$123.4M+107.5%	$59.5M+62.3%	$36.6M-95.3%	$781.9M+36.1%	$574.3M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$2.5M0.0%	$2.5M0.0%	$2.5M0.0%	$2.5M0.0%	$2.5M0.0%	$2.5M
Total Liabilities	$4.0B-0.1%	$4.0B+5.8%	$3.8B+9.3%	$3.5B-1.5%	$3.6B+7.1%	$3.3B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$548.2M+11.3%	$492.7M+4.8%	$470.3M+9.8%	$428.3M-2.3%	$438.4M+5.4%	$416.1M
Retained Earnings	$629.1M+8.7%	$578.9M+6.9%	$541.3M+5.6%	$512.8M+8.1%	$474.4M+7.9%	$439.8M

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Total Assets	$4.7B+0.5%	$4.6B-0.1%	$4.7B+1.1%	$4.6B+0.9%	$4.6B-0.5%	$4.6B+3.4%	$4.4B+2.2%	$4.3B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$56.1M+33.2%	$42.1M-10.8%	$47.2M-10.1%	$52.5M-50.1%	$105.2M-14.7%	$123.4M+127.3%	$54.3M+58.5%	$34.2M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$2.5M0.0%	$2.5M0.0%	$2.5M0.0%	$2.5M0.0%	$2.5M0.0%	$2.5M0.0%	$2.5M0.0%	$2.5M
Total Liabilities	$4.1B+0.6%	$4.0B-0.6%	$4.1B+0.6%	$4.0B+0.6%	$4.0B-0.7%	$4.0B+3.9%	$3.9B+2.0%	$3.8B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$545.6M-0.5%	$548.2M+3.2%	$531.2M+3.9%	$511.2M+3.6%	$493.6M+0.2%	$492.7M-0.3%	$494.2M+3.7%	$476.4M
Retained Earnings	$640.2M+1.8%	$629.1M+2.4%	$614.6M+2.1%	$601.7M+3.2%	$583.0M+0.7%	$578.9M+1.9%	$567.9M+2.2%	$555.7M

HBIA Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$68.8M+23.9%	$55.5M+5.1%	$52.8M-6.4%	$56.5M-33.6%	$85.1M+944.4%	$8.1M
Capital Expenditures	$3.7M-18.5%	$4.5M+48.7%	$3.0M+58.4%	$1.9M+30.5%	$1.5M-21.3%	$1.9M
Free Cash Flow	$65.1M+27.6%	$51.0M+2.5%	$49.8M-8.7%	$54.5M-34.8%	$83.6M+1230.1%	$6.3M
Investing Cash Flow	-$123.7M+35.0%	-$190.4M+42.7%	-$332.0M+54.6%	-$731.6M-615.7%	-$102.2M+12.2%	-$116.4M
Financing Cash Flow	-$26.4M-113.3%	$198.7M-34.2%	$302.0M+530.6%	-$70.1M-131.2%	$224.8M-49.0%	$440.6M
Dividends Paid	$10.3M+2.6%	$10.1M+3.7%	$9.7M+4.1%	$9.3M+6.1%	$8.8M+5.4%	$8.3M
Share Buybacks	$15.6M+21.2%	$12.9M+67.3%	$7.7M-2.5%	$7.9M+121.5%	$3.6M-58.3%	$8.6M

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Operating Cash Flow	$21.2M-6.4%	$22.6M-0.5%	$22.7M+168.7%	$8.5M-43.8%	$15.0M+34.1%	$11.2M-55.5%	$25.2M+326.5%	$5.9M
Capital Expenditures	$615K-65.6%	$1.8M+170.2%	$661K-12.5%	$755K+61.3%	$468K-70.3%	$1.6M+23.8%	$1.3M-5.8%	$1.4M
Free Cash Flow	$20.5M-1.3%	$20.8M-5.6%	$22.1M+186.4%	$7.7M-47.2%	$14.6M+51.2%	$9.6M-59.7%	$23.9M+425.1%	$4.6M
Investing Cash Flow	-$18.2M-1516.8%	$1.3M+102.2%	-$57.6M+26.5%	-$78.4M-815.1%	$11.0M+110.4%	-$105.0M-56.3%	-$67.2M-788.3%	-$7.6M
Financing Cash Flow	$11.0M+138.0%	-$29.0M-197.9%	$29.6M+72.0%	$17.2M+138.9%	-$44.2M-127.1%	$162.9M+162.5%	$62.0M+206.7%	-$58.1M
Dividends Paid	$10.8M	$0	$0	$0-100.0%	$10.3M	$0-100.0%	$1K+200.0%	-$1K
Share Buybacks	$3.1M-30.7%	$4.5M+25.4%	$3.6M-29.7%	$5.1M+113.5%	$2.4M+34.5%	$1.8M-70.2%	$6.0M+203.1%	$2.0M

HBIA Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	N/A	N/A	N/A	N/A	N/A	N/A
Return on Equity	11.0%+1.4pp	9.7%+1.5pp	8.1%-3.0pp	11.2%+0.2pp	11.0%+1.7pp	9.3%
Return on Assets	1.3%+0.3pp	1.0%+0.2pp	0.9%-0.3pp	1.2%0.0pp	1.2%+0.2pp	1.0%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	7.38-0.8	8.21+0.1	8.14-0.0	8.18+0.1	8.11+0.1	7.98
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	553.3%	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Equity	4.0%	N/A	2.4%-1.2pp	3.6%+0.7pp	2.9%	N/A	2.5%-0.1pp	2.6%
Return on Assets	0.5%	N/A	0.3%-0.1pp	0.4%+0.1pp	0.3%	N/A	0.3%0.0pp	0.3%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	7.46+0.1	7.38-0.3	7.66-0.2	7.91-0.2	8.15-0.1	8.21+0.3	7.89-0.1	8.02
FCF Margin	517.8%	N/A	N/A	N/A	N/A	N/A	N/A	N/A

Frequently Asked Questions

Is Hills Bancorpf profitable?

Yes, Hills Bancorpf (HBIA) reported a net income of $60.5M in fiscal year 2025.

Does Hills Bancorpf pay dividends?

Yes, Hills Bancorpf (HBIA) paid $1.15 per share in dividends during fiscal year 2025.

What is Hills Bancorpf's return on equity (ROE)?

Hills Bancorpf (HBIA) has a return on equity of 11.0% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Hills Bancorpf's free cash flow?

Hills Bancorpf (HBIA) generated $65.1M in free cash flow during fiscal year 2025. This represents a 27.6% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Hills Bancorpf's operating cash flow?

Hills Bancorpf (HBIA) generated $68.8M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Hills Bancorpf's total assets?

Hills Bancorpf (HBIA) had $4.6B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Hills Bancorpf's capital expenditures?

Hills Bancorpf (HBIA) invested $3.7M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Hills Bancorpf buy back shares?

Yes, Hills Bancorpf (HBIA) spent $15.6M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Hills Bancorpf have outstanding?

Hills Bancorpf (HBIA) had 9M shares outstanding as of fiscal year 2025.

What is Hills Bancorpf's debt-to-equity ratio?

Hills Bancorpf (HBIA) had a debt-to-equity ratio of 7.38 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Hills Bancorpf's return on assets (ROA)?

Hills Bancorpf (HBIA) had a return on assets of 1.3% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Hills Bancorpf's Piotroski F-Score?

Hills Bancorpf (HBIA) has a Piotroski F-Score of 5 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Hills Bancorpf's earnings high quality?

Hills Bancorpf (HBIA) has an earnings quality ratio of 1.14x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Hills Bancorpf?

Hills Bancorpf (HBIA) scores 6 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.