Operates as the bank holding company for Hills Bank and Trust Company. Now — the numbers.
That much dependence is a risk in itself: if this one line weakens, the whole company feels it directly.
This is an established company with proven profits.
Average growth of 13% a year over the last 4 years. Every year shown ended in profit.
The market pays 54.3× for every dollar this company earns in a year — a price that already assumes things go well.
No analyst target is on record for this company.
Executives buying with their own money is usually read as confidence in the company’s future.
The stock trades near its peak today. For long-term holders the ride has paid off so far — though past performance guarantees nothing about the future.
The net profit margin is 24% — still a thick cushion, though costs have been eating into it lately.
Over the last 4 years, sales grew about 13% a year on average.
Over the last 12 months, company executives reported 9 buys and 0 sells. Management buying with its own money is usually read as a good sign.
The company’s market value is 54 times its annual profit. Even a small disappointment could hit the price hard.
Getting in and out without moving the price could prove difficult.
We don’t have a report card for this stock yet — the data isn’t mature enough to grade. No grade is information too: it means the evidence is thin.
One-line summary: few numbers, an untested story. Keep watching.
Not covered, because the filings we hold do not carry it: earnings execution.