HBIA
Hills Bancorporation82.00
+1.90+2.37%
Dec 16, 4:00:00 PM EST
Earnings Call Transcripts
This Quarter (Q4 '25)
No earnings call transcript available yet
Last Quarter (Q3 '25)
No earnings call transcript available
Key Stats
Market Cap
725.68MP/E (TTM)
12.83Basic EPS (TTM)
6.39Dividend Yield
0.01%Recent Filings
10-Q
10-Q
Q2 FY2025 results
Hills Bancorporation posted solid Q2 FY2025 results, with net income jumping 51% year-over-year to $18.7M, fueled by net interest income surging 34% to $37.0M on higher loan yields and investment volumes, while the net interest margin widened to 3.46% from 2.72%. Credit loss expense edged up 69% to $1.1M amid rising Iowa unemployment forecasts to 3.7%, yet nonaccrual loans dipped 12% quarter-over-quarter to $21.1M. Deposits slipped 0.4% to $3.33B, but liquidity stayed robust with $52.5M in cash and $746M untapped FHLB capacity; FHLB borrowings climbed to $287M from $127M at year-end. Trust fees grew 10% on $3.08B assets under management. Still, tariff uncertainties loom over ag lending.
10-Q
Q1 FY2025 results
Hills Bancorporation posted solid Q1 2025 results, with net income climbing 19% year-over-year to $14.4M, or $1.61 diluted EPS, fueled by net interest income surging 23% to $34.2M on a 3.25% tax-equivalent margin—up from 2.68%—thanks to higher yields on loans and investments amid elevated rates. Loan growth edged up 1% quarter-over-quarter to $3.42B net, while deposits swelled 4% to $3.48B, largely from temporary public funds; borrowings dropped sharply to $510M in FHLB advances after repaying $547M in short-term debt. Credit loss expense jumped to $3.9M from a $0.4M benefit last year, reflecting higher charge-offs and nonaccruals, yet the allowance covers 1.53% of loans. Trust fees rose 16% on growing assets under management. Cash balances dipped to $105M, but liquidity stays robust with $490M untapped FHLB capacity. Tariffs threaten Iowa's ag sector, potentially hiking borrower stress.
8-K
Shareholders approve directors, pay
Hills Bancorporation's shareholders elected six directors—Michael E. Hodge, Casey L. Peck, John W. Phelan, Kristie L. Fisher, Michael D. Jensen, and Thomas M. Slattery—to serve until 2028 at the April 21, 2025 annual meeting. They approved executive compensation in a non-binding vote and ratified Forvis Mazars, LLP as the independent auditor. Strong support signals board stability. No major dissent emerged.
8-K
Q1 2025 financial report released
Hills Bancorporation released its unaudited quarterly financial report for the period ended March 31, 2025, on April 21, 2025, covering results of operations and financial condition. The report, distributed to shareholders, details key metrics but lacks specific figures in the disclosure. Investors now have fresh insights into the bank's early-year performance. No forward-looking guidance was provided.
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