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Hills Bancorporation (HBIA) Fair Value & Analysis

Financial Services · US · Market cap $432M

Price$45.25
Fair Value$90.01
Upside+98.9%
Quality95/100
Evidence: High Range $67.51 – $112.52

Fair value as of: Jun 26, 2026

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Analysis

Hills Bancorporation (HBIA) currently trades at $45.25, while our model-based Fair Value estimate is $90.01 — implying the stock looks roughly 98.9% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

About the company

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 f…

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Frequently asked questions

Is Hills Bancorporation (HBIA) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $90.01 versus a price of $45.25 — about +99% (undervalued). Model-based estimate, not financial advice.
What is the fair value of HBIA?
Our 21-model fair value for Hills Bancorporation is $90.01 (as of Jun 26, 2026), built from audited fundamentals. The current price is $45.25.
What is the quality score of HBIA?
Hills Bancorporation has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.