Hingham Institution For Savings (HIFS) AI Stock Analysis

• Market Cap: $512.79M
• Dividend Yield: 1.05%
• Average Volume (3M): 14.33K
• Price to Earnings (P/E): 18.7
• Beta (1Y): 1.34
• Revenue Growth: 14.02%
• EPS Growth: 5.59%
• Country: US
• Employees: 87
• Sector: Financial
• Sector Strength: 77
• Industry: Banking
• EPS (TTM): 12.84
• Shares Outstanding: 2,180,250
• 10 Day Avg. Volume: 16,479
• 30 Day Avg. Volume: 14,333
• PEG Ratio: 3.35
• Price to Book (P/B): N/A
• Price to Sales (P/S): 6.39
• Price to Cash Flow (P/CF): N/A
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

The overall stock score of 61 reflects HIFS's strong financial stability and profitability, tempered by high debt levels and weak market momentum. The bearish technical indicators and moderate valuation indicate potential caution for investors, while the absence of recent earnings call insights doesn't provide additional context.

Hingham Institution For Savings Business Overview & Revenue Model

Company Description

Hingham Institution for Savings (HIFS) is a Massachusetts-based community bank that offers a range of financial services primarily focused on residential and commercial real estate lending. Founded in 1834, the bank has a long-standing presence in the region and provides deposit products, savings accounts, and personal and business banking services. HIFS operates through a network of branches strategically located to serve the financial needs of individuals and businesses in the greater Boston area and surrounding communities.

How the Company Makes Money

Hingham Institution for Savings generates revenue primarily through the interest earned on loans and mortgages. As a community bank, a significant portion of its income comes from real estate lending, including residential mortgages, commercial real estate loans, and construction loans. The bank also earns money from fees related to its various banking services, such as account maintenance fees, transaction fees, and other service charges. Additionally, HIFS invests in securities, which contributes to its income through interest and dividend payments. The bank's earnings are also influenced by its ability to manage interest rate spreads between deposits and loans, as well as maintaining a robust portfolio of high-quality loans that minimize the risk of defaults.

Hingham Institution For Savings Financial Statement Overview

Summary

Overall, Hingham Institution For Savings demonstrates financial stability with strong profitability metrics and effective cash management. Nevertheless, the high debt levels and recent shifts in income metrics necessitate close monitoring of future performance and market conditions.

Income Statement

The income statement reveals a stable gross profit margin due to consistent revenue generation, although there is a noticeable decline in revenue growth over the years. The net profit margin is healthy, but EBIT and EBITDA are missing for the latest period, which might indicate a shift in financial reporting or strategy.

Balance Sheet

The balance sheet indicates a strong equity position with a favorable equity ratio and an improving return on equity. However, the debt-to-equity ratio is relatively high, suggesting potential risk if interest rates rise or market conditions worsen.

Cash Flow

The cash flow statement shows positive operating cash flow and consistent free cash flow generation, indicating efficient cash management. However, the fluctuations in free cash flow growth rate highlight potential volatility in cash generation.

Breakdown
Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
65.85M	63.49M	80.91M	114.75M	92.11M
	Gross Profit
65.85M	190.52M	80.91M	114.75M	92.11M
	EBIT
0.00	35.19M	87.21M	92.67M	70.13M
	EBITDA
0.00	35.91M	54.81M	93.21M	70.83M
	Net Income Common Stockholders
28.19M	26.37M	37.52M	67.46M	50.77M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
351.83M	362.48M	362.03M	271.16M	233.99M
	Total Assets
4.46B	4.48B	4.19B	3.43B	2.86B
	Total Debt
1.50B	1.69B	1.28B	665.00M	408.03M
	Net Debt
1.15B	1.33B	913.97M	393.84M	174.04M
	Total Liabilities
4.03B	4.08B	3.81B	3.08B	2.56B
	Stockholders Equity
431.75M	407.62M	385.97M	354.61M	292.94M
Cash Flow		Free Cash Flow
11.75M	18.45M	53.33M	57.41M	44.06M
	Operating Cash Flow
11.89M	19.75M	55.85M	59.01M	45.59M
	Investing Cash Flow
32.48M	-276.58M	-685.28M	-527.34M	-280.43M
	Financing Cash Flow
-55.02M	257.27M	720.30M	505.50M	216.68M

Hingham Institution For Savings Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 234.02
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Positive
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HIFS, the sentiment is Negative. The current price of 234.02 is below the 20-day moving average (MA) of 258.35, below the 50-day MA of 254.61, and below the 200-day MA of 238.68, indicating a bearish trend. The MACD of -6.15 indicates Positive momentum. The RSI at 28.50 is Positive, neither overbought nor oversold. The STOCH value of 15.30 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for HIFS.

Hingham Institution For Savings Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
OZK	77 Outperform	$5.04B	7.42	13.21%	3.65%	23.25%	4.64%
HOMB	76 Outperform	$5.50B	14.04	10.38%	2.71%	8.83%	3.77%
BHLB	68 Neutral	$1.20B	18.56	5.60%	2.72%	4.29%	-9.78%
Sector *	64 Neutral	$13.80B	10.64	9.23%	4.22%	17.66%	-7.66%
HIFS	61 Neutral	$512.79M	18.74	6.72%	1.05%	14.02%	5.59%
FFIC	46 Neutral	$438.58M	16.43	-4.49%	6.75%	-3.66%	-196.64%