Hingham Institution For Savings (HIFS) AI Stock Analysis

• Market Cap: $621.11M
• Dividend Yield: 0.89%
• Average Volume (3M): 97.97K
• Price to Earnings (P/E): 13.9
• Beta (1Y): 1.02
• Revenue Growth: 8.26%
• EPS Growth: 94.53%
• Country: US
• Employees: 87
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 7.85
• Shares Outstanding: 2,180,250
• 10 Day Avg. Volume: 57,885
• 30 Day Avg. Volume: 97,973
• PEG Ratio: 3.49
• Price to Book (P/B): 1.28
• Price to Sales (P/S): 2.55
• P/FCF Ratio: 47.07
• Enterprise Value/Market Cap: 3.38
• Enterprise Value/Revenue: 9.67
• Enterprise Value/Gross Profit: 28.00
• Enterprise Value/Ebitda: 45.40
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 68 Neutral
• Price Target: $307.00 ▲(5.74% Upside)

Hingham Institution For Savings has a solid financial foundation with improving profitability and cash flow metrics, which are the most significant factors in its score. The valuation is reasonable, offering a fair P/E ratio and a modest dividend yield. Technical indicators suggest a neutral market sentiment, with limited momentum. The absence of earnings call data and corporate events does not impact the score.

Hingham Institution For Savings Business Overview & Revenue Model

Company Description

Hingham Institution for Savings (HIFS) is a community-oriented bank based in Hingham, Massachusetts, primarily focused on providing a range of financial services to individuals and businesses. Established in 1834, HIFS operates in the banking sector and offers products such as savings accounts, checking accounts, loans, mortgages, and investment services. The institution prides itself on its commitment to customer service and community involvement, catering to the financial needs of both local residents and businesses.

How the Company Makes Money

Hingham Institution for Savings generates revenue primarily through the interest earned on loans and mortgages it provides to customers. The bank collects interest from borrowers, which is typically higher than the interest it pays on deposits. Additionally, HIFS earns money through fees associated with account services, loan origination, and transaction services. The bank also benefits from investment income generated from its portfolio of securities and other financial instruments. Strategic partnerships with local businesses and organizations enhance HIFS's customer base and contribute to its overall revenue by facilitating community-focused initiatives and promoting financial literacy.

Hingham Institution For Savings Financial Statement Overview

Summary

Hingham Institution For Savings demonstrates solid financial performance with improving profitability and cash flow metrics. Revenue and profit margins have shown positive trends, but high leverage remains a risk factor. The company needs to focus on maintaining its cash flow conversion and managing its debt levels to ensure long-term financial health.

Income Statement

Hingham Institution For Savings shows a stable revenue growth with a TTM revenue growth rate of 1.075%. The gross profit margin has improved to 34.54% in TTM from 30.29% in 2024, indicating better cost management. The net profit margin has also increased to 15.53% in TTM, reflecting improved profitability. However, the historical high margins seen in 2021 have not been maintained, suggesting some pressure on profitability.

Balance Sheet

The company has a high debt-to-equity ratio of 3.53 in TTM, which is a concern for financial stability. However, the return on equity has improved to 7.78% in TTM from 6.53% in 2024, indicating better utilization of equity. The equity ratio remains stable, showing a consistent equity base relative to total assets.

Cash Flow

Free cash flow growth has rebounded to 13.02% in TTM after a decline in previous years, indicating improved cash generation. The operating cash flow to net income ratio is low at 0.89%, suggesting potential challenges in converting income into cash. However, the free cash flow to net income ratio is strong at 98.90%, showing effective cash management.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	217.35M	217.38M	190.52M	118.31M	123.46M	115.34M
Gross Profit	75.07M	65.53M	63.44M	80.91M	112.41M	91.89M
EBITDA	46.30M	37.27M	35.91M	54.81M	93.21M	70.83M
Net Income	33.76M	28.19M	26.37M	37.52M	67.46M	50.77M
Balance Sheet
Total Assets	4.54B	4.46B	4.48B	4.19B	3.43B	2.86B
Cash, Cash Equivalents and Short-Term Investments	360.61M	351.83M	362.48M	362.03M	271.16M	233.99M
Total Debt	1.57B	1.50B	1.69B	1.28B	665.00M	408.03M
Total Liabilities	4.09B	4.03B	4.08B	3.81B	3.08B	2.56B
Stockholders Equity	445.75M	431.75M	407.62M	385.97M	354.61M	292.94M
Cash Flow
Free Cash Flow	22.03M	11.75M	18.45M	53.33M	57.41M	44.06M
Operating Cash Flow	22.27M	11.89M	19.75M	55.85M	59.01M	45.59M
Investing Cash Flow	-12.25M	32.48M	-276.58M	-685.28M	-527.34M	-280.43M
Financing Cash Flow	-18.55M	-55.02M	257.27M	720.30M	505.50M	216.68M

Hingham Institution For Savings Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 290.34
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

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 290.34 is above the 20-day moving average (MA) of 287.15, above the 50-day MA of 281.10, and above the 200-day MA of 257.35, indicating a neutral trend. The MACD of 1.91 indicates Positive momentum. The RSI at 48.48 is Neutral, neither overbought nor oversold. The STOCH value of 30.68 is Neutral, 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
NRIM	73 Outperform	$509.19M	8.20	21.92%	2.72%	36.60%	92.63%
BCAL	73 Outperform	$605.48M	9.60	11.93%	―	61.29%	―
HIFS	68 Neutral	$621.11M	13.88	10.23%	0.89%	8.26%	94.53%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
UNTY	67 Neutral	$468.14M	8.83	17.46%	1.18%	11.38%	36.10%
HONE	62 Neutral	$522.22M	18.68	4.56%	2.89%	5.00%	72.45%
PGC	61 Neutral	$436.98M	12.81	5.50%	0.76%	9.16%	6.95%