Filing Flows › Financials › Hills Bancorporation (HBIA)

Hills Bancorporation (HBIA) earnings and revenue breakdown

Latest: Q3 2026 · 10-Q filed Nov 6, 2026 · Hills Bancorporation (HBIA) Q3 2026 earnings results →

Q3 2026 Revenue up 28% year over year to $54.8M · 43¢ of every $1 of revenue kept as net profit · operating margin 54.7%

Hills Bancorporation made $54.8M in Q3 2026 (+28% Y/Y): Net interest income $45.5M, Noninterest income $9.3M. Operating margin 54.7%, net earnings $23.5M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 6, 2026.

Revenue$54.8M

Year over year+28%

Operating margin54.7%

Net earnings$23.5M

Operating cash flow$29.2M

Drawing the Sankey…

Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF

What changed this quarter

Revenue was $54.8M in Q3 2026, up 28% year over year and roughly flat from the previous quarter. Net interest income was the largest line at 83% of revenue. Net interest income added $7.0M year over year (up 18%), 58% of the total change.

Operating profit was $29.9M, a 54.7% margin (up 16.9 points year over year). Of the extra revenue versus Q3 2025, 115% reached operating profit, above the 38% margin then. Total costs fell 7% while revenue rose 28%. Net earnings were $23.5M, up 82% year over year. The effective tax rate was 21.6%.

Operating cash flow was $29.2M (up 28% year over year), 124% of net earnings. Non-cash charges added back $698K of depreciation and $17K of share-based compensation. Working capital and other items added $5.0M. Capital expenditures of $1.3M left free cash flow of $27.9M.

Quarterly history

Quarter	Form	Filed	Revenue	Y/Y	Op. margin	Net earnings	Op. cash flow
Q3 2026	10-Q	Nov 6, 2026	$54.8M	+28%	54.7%	$23.5M	$29.2M
Q2 2026	10-Q	Aug 6, 2026	$55.0M	+21%	60.3%	$26.0M	$22.0M
Q1 2026	10-Q	May 11, 2026	$50.3M	+19%	54.7%	$21.9M	$21.2M
Q4 2025	10-K	Mar 18, 2026	$43.9M	+27%	41.3%	$14.5M	$22.6M
Q3 2025	10-Q	Nov 10, 2025	$42.8M	+15%	37.8%	$12.9M	$22.7M
Q2 2025	10-Q	Aug 8, 2025	$45.6M	+26%	51.9%	$18.7M	$8.5M
Q4 2024	10-K	Mar 14, 2025	$34.6M	-1%	40.3%	$11.0M	$11.2M

Charts

Latest (Q3 2026): Y/Y +28%, Q/Q 0%.

From the cash-flow statement as filed (SEC XBRL). Cash is fungible: the bars do not say which dollar paid for what.

Latest (Q3 2026): Net income $23.5M, Operating cash flow $29.2M.

-5.3% since FY2020: buybacks shrank the count.

State Commercial Banks; dot size is quarterly revenue; dashed lines are the industry's medians.