Hingham Institution For Savings (HIFS) AI Stock Analysis

• Market Cap: $621.70M
• Dividend Yield: 0.92%
• Average Volume (3M): 100.57K
• Price to Earnings (P/E): 22.0
• Beta (1Y): 1.05
• Revenue Growth: 7.69%
• EPS Growth: 13.82%
• Country: US
• Employees: 87
• Sector: Financial
• Sector Strength: 82
• Industry: Banks - Regional
• EPS (TTM): 3.24
• Shares Outstanding: 2,180,250
• 10 Day Avg. Volume: 93,726
• 30 Day Avg. Volume: 100,566
• PEG Ratio: 22.23
• Price to Book (P/B): 1.12
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 25.06
• Enterprise Value/Market Cap: 2.57
• Enterprise Value/Revenue: 1.89
• Enterprise Value/Gross Profit: 23.64
• Enterprise Value/Ebitda: 11.94
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 67 Neutral
• Price Target: $298.00 ▲(4.51%Upside)

HIFS shows stable financial performance and strong technical indicators, but the overbought technical signals and moderate valuation score suggest caution. The lack of significant growth initiatives and modest dividend yield also weigh on the overall score.

Hingham Institution For Savings Business Overview & Revenue Model

Company Description

Hingham Institution for Savings provides various financial products and services to individuals and businesses in the United States. It offers savings, checking, money market, demand deposit, and negotiable order of withdrawal accounts, as well as certificates of deposit. The company also provides commercial and residential real estate, construction, home equity, commercial, and consumer loans. In addition, it offers ATMs, debit cards, and Internet-based banking services. The company offers its services through a network of six offices in Boston and eastern Massachusetts; and commercial lenders and relationship managers in Washington. Hingham Institution for Savings was incorporated in 1834 and is headquartered in Hingham, Massachusetts.

How the Company Makes Money

Hingham Institution for Savings generates revenue primarily through interest earned on loans and advances. The bank's core revenue streams include interest income from residential and commercial real estate loans, as well as consumer loans. Additionally, HIFS earns non-interest income from fees and service charges related to its deposit products and financial services. The bank's earnings are further supported by its strategic focus on maintaining strong credit quality and disciplined cost management, ensuring profitability even in competitive market conditions. Key factors contributing to its revenue include a stable local customer base, prudent lending practices, and a strategic emphasis on real estate lending.

Hingham Institution For Savings Financial Statement Overview

Summary

Hingham Institution For Savings demonstrates financial stability with strong profitability metrics and effective cash management. However, 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	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	215.04M	217.38M	190.52M	118.31M	123.46M	115.34M
Gross Profit	67.59M	65.85M	63.44M	80.91M	112.41M	92.11M
EBITDA	39.08M	37.27M	35.91M	54.81M	93.21M	70.83M
Net Income	28.45M	28.19M	26.37M	37.52M	67.46M	50.77M
Balance Sheet
Total Assets	4.52B	4.46B	4.48B	4.19B	3.43B	2.86B
Cash, Cash Equivalents and Short-Term Investments	361.64M	351.83M	362.48M	362.03M	271.16M	233.99M
Total Debt	1.47B	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	437.56M	431.75M	407.62M	385.97M	354.61M	292.94M
Cash Flow
Free Cash Flow	19.49M	11.75M	18.45M	53.33M	57.41M	44.06M
Operating Cash Flow	19.63M	11.89M	19.75M	55.85M	59.01M	45.59M
Investing Cash Flow	5.23M	32.48M	-276.58M	-685.28M	-527.34M	-280.43M
Financing Cash Flow	-36.46M	-55.02M	257.27M	720.30M	505.50M	216.68M

Hingham Institution For Savings Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 285.15
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HIFS, the sentiment is Positive. The current price of 285.15 is above the 20-day moving average (MA) of 235.44, above the 50-day MA of 246.18, and above the 200-day MA of 251.60, indicating a bullish trend. The MACD of 3.84 indicates Negative momentum. The RSI at 73.57 is Negative, neither overbought nor oversold. The STOCH value of 96.95 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for HIFS.

Hingham Institution For Savings Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
MPB	77 Outperform	$693.77M	10.51	8.38%	2.65%	13.17%	24.36%
SPFI	74 Outperform	$614.87M	12.64	12.00%	1.58%	8.76%	-18.66%
SMBK	70 Outperform	$613.99M	15.99	7.98%	0.89%	17.26%	44.45%
PGC	68 Neutral	$538.82M	16.89	5.31%	0.66%	6.72%	-17.45%
Sector *	67 Neutral	$17.01B	11.90	9.70%	3.76%	11.63%	-9.47%
HIFS	67 Neutral	$621.70M	22.04	6.68%	0.92%	7.69%	13.82%
FISI	58 Neutral	$551.41M	8.52	-5.18%	4.60%	-23.31%	-169.87%