Want to see HIFS full AI Analyst Report?
Top Page
Hingham Institution For Savings
(NASDAQ:HIFS)
Select Model
Select Model
Rating:57Neutral
Price Target:
$328.00
▲(11.70% Upside)
Action:Reiterated
Date:05/10/26
The score is primarily supported by solid profitability and decent cash conversion, but it is held back by balance-sheet leverage typical of banks, neutral-to-weak technical momentum, and a high P/E with only a modest dividend yield.
Positive Factors
Strong Profitability
Sustained ~22% TTM net margin and improved operating profitability provide durable internal earnings power. Strong margins give management flexibility to fund loan originations, build reserves, pay dividends, or reinvest in branches and systems, cushioning shocks to net interest income.
Negative Factors
Elevated Leverage
Leverage near ~2.9x, while common for banks, constrains capital flexibility and magnifies earnings volatility from credit losses or rate swings. Higher leverage increases regulatory and funding sensitivity, reducing the firm’s capacity to absorb shocks or pursue aggressive organic growth safely.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong Profitability
Sustained ~22% TTM net margin and improved operating profitability provide durable internal earnings power. Strong margins give management flexibility to fund loan originations, build reserves, pay dividends, or reinvest in branches and systems, cushioning shocks to net interest income.
Read all positive factors
Hingham Institution For Savings (HIFS) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$633.89M
Dividend Yield0.84%
Average Volume (3M)63.04K
Price to Earnings (P/E)12.7
Beta (1Y)1.08
Revenue Growth5.79%
EPS Growth76.61%
CountryUS
Employees87
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)23.04
Shares Outstanding2,180,250
10 Day Avg. Volume94,137
30 Day Avg. Volume63,039
Financial Highlights & Ratios
PEG Ratio0.12
Price to Book (P/B)1.29
Price to Sales (P/S)2.62
P/FCF Ratio17.44
Enterprise Value/Market Cap3.19
Enterprise Value/Revenue8.89
Enterprise Value/Gross Profit20.65
Enterprise Value/Ebitda29.80
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Hingham Institution For Savings Business Overview & Revenue Model
Company Description
Hingham Institution for Savings is a financial services provider that offers a diverse array of banking solutions to both individual consumers and corporate entities throughout the U.S. Its comprehensive selection of deposit accounts encompasses s...
How the Company Makes Money
HIFS primarily makes money through net interest income: it funds itself largely with customer deposits and other borrowings, and earns interest on its loan portfolio and investment securities. The spread between interest earned on assets (especial...
Hingham Institution For Savings Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
56
Neutral
Cash Flow
67
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 227.51M | 236.76M | 217.38M | 190.52M | 118.31M | 123.46M |
| Gross Profit | 97.98M | 103.33M | 65.53M | 63.44M | 80.91M | 112.41M |
| EBITDA | 67.91M | 73.34M | 37.27M | 35.91M | 54.81M | 93.21M |
| Net Income | 50.28M | 54.55M | 28.19M | 26.37M | 37.52M | 67.46M |
Balance Sheet | ||||||
| Total Assets | 4.55B | 4.54B | 4.46B | 4.48B | 4.19B | 3.43B |
| Cash, Cash Equivalents and Short-Term Investments | 5.22M | 6.68M | 351.83M | 362.48M | 362.03M | 271.16M |
| Total Debt | 1.41B | 1.46B | 1.50B | 1.69B | 1.28B | 665.00M |
| Total Liabilities | 4.07B | 4.06B | 4.03B | 4.08B | 3.81B | 3.08B |
| Stockholders Equity | 482.66M | 479.71M | 431.75M | 407.62M | 385.97M | 354.61M |
Cash Flow | ||||||
| Free Cash Flow | 37.19M | 35.53M | 11.75M | 18.45M | 53.33M | 57.41M |
| Operating Cash Flow | 37.43M | 35.79M | 11.89M | 19.75M | 55.85M | 59.01M |
| Investing Cash Flow | 19.11M | -37.53M | 32.48M | -276.58M | -685.28M | -527.34M |
| Financing Cash Flow | -31.36M | 19.51M | -55.02M | 257.27M | 720.30M | 505.50M |
Hingham Institution For Savings Technical Analysis
Neutral
293.64
Price Trends
286.82
Positive
286.94
Positive
287.23
Positive
Market Momentum
2.47
Positive
47.09
Neutral
16.02
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HIFS, the sentiment is Neutral. The current price of 293.64 is below the 20-day moving average (MA) of 296.20, above the 50-day MA of 286.82, and above the 200-day MA of 287.23, indicating a neutral trend. The MACD of 2.47 indicates Positive momentum. The RSI at 47.09 is Neutral, neither overbought nor oversold. The STOCH value of 16.02 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for HIFS.
Hingham Institution For Savings Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
79 Outperform | $605.50M | 9.30 | 20.49% | 2.31% | 25.67% | 53.81% | |
79 Outperform | $818.94M | 18.61 | 6.68% | 0.70% | 10.61% | 37.65% | |
79 Outperform | $569.02M | 9.37 | 17.87% | 1.08% | 15.59% | 39.40% | |
78 Outperform | $664.53M | 11.15 | 10.59% | ― | 12.65% | 304.57% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
57 Neutral | $633.89M | 12.68 | 10.76% | 0.84% | 5.79% | 76.61% |
* Financial Sector Average
HIFS
Hingham Institution For Savings
290.74
13.73
4.96%
NRIM
Northrim Bancorp
27.22
3.64
15.44%
PGC
Peapack-Gladstone Financial
46.22
16.17
53.81%
UNTY
Unity Bancorp
56.67
4.64
8.92%
BCAL
California BanCorp
20.66
4.49
27.78%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.