HILLS BANCORPORATION (HBIA)
State Commercial Banks · Financial Services · $217M
Intrinsic Value (Consensus)
$73.07
Current Price
$24.75
Margin of Safety
+195.2%
195.2% Below Intrinsic Value
Value: $73
Price: $25
Valuation Model Estimates
Current Price: $24.75
DCF (Discounted Cash Flow)
$97.06
Graham Number
$61.50
Earnings Power Value
$67.12
Relative Value (P/E)
$97.99
Dividend Discount Model
$41.69
Consensus Value
$73.07
Model Assumptions
Discount Rate
10.3%
Growth Rate
4.3%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
C
62
Profitability
18/25
Strength
18/25
Valuation
22/25
Growth
4/25
Financial Health Signals
High free cash flow yield (30.0%) — generating lots of cash relative to price
Key Financials
- EPS (TTM)
- $4.90
- EPS (Forward)
- $5.11
- Book Value
- $34.31
- P/E Ratio
- 20.0
- Forward P/E
- 16.7
- PEG Ratio
- —
- ROE
- 11.0%
- Debt/Equity
- —
- Revenue Growth
- N/A
- Earnings Growth
- 4.3%
- Dividend Yield
- 0.9%
- Beta
- 0.15
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Data last updated: 2026-06-16
Source: Yahoo Finance