Filing Flows › Hills Bancorporation (HBIA) › Q4 2025
Hills Bancorporation (HBIA) Q4 2025 earnings results (fourth quarter 2025)
10-K filed Mar 18, 2026
Hills Bancorporation (HBIA) reported revenue of $43.9M for the fourth quarter 2025 (Q4 2025), +27% from a year earlier and +3% from the quarter before. Operating margin was 41.3%, net earnings $14.5M (33.0% of revenue).
Hills Bancorporation, Q4 2025: revenue $43.9M (+27% year over year), operating margin 41.3%, net earnings $14.5M, operating cash flow $22.6M. The chart follows the revenue to costs, profit and cash.
| Q4 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $43.9M | +3% | +27% |
| Operating profit | $18.1M | +12% | +30% |
| Net earnings | $14.5M | +12% | +32% |
| Operating cash flow | $22.6M | -0.5% | +101% |
| Free cash flow | $20.8M | -6% | +116% |
What changed
Revenue was $43.9M in Q4 2025, up 27% year over year and up 3% from the previous quarter. Net interest income was the largest line at 92% of revenue. Net interest income added $9.7M year over year (up 32%), 105% of the total change. Noninterest income declined 11%.
Operating profit was $18.1M, a 41.3% margin (up 1.0 points year over year). Of the extra revenue versus Q4 2024, 45% reached operating profit, above the 40% margin then. Total costs grew 25% against revenue growth of 27%. Net earnings were $14.5M, up 32% year over year. The effective tax rate was 20.0%.
Operating cash flow was $22.6M (up 101% year over year), 156% of net earnings. Non-cash charges added back $618K of depreciation and $12K of share-based compensation. Working capital and other items added $7.5M. Capital expenditures of $1.8M left free cash flow of $20.8M.
Questions
What was Hills Bancorporation's revenue in the fourth quarter 2025?
Hills Bancorporation (HBIA) reported revenue of $43.9M for the fourth quarter 2025 (Q4 2025), +27% from a year earlier and +3% from the quarter before.
Was Hills Bancorporation profitable in the fourth quarter 2025?
Operating profit was $18.1M (41.3% of revenue) and net earnings $14.5M.