Hingham Institution For Savings (HIFS) AI Stock Analysis

• Market Cap: $539.18M
• Dividend Yield: 1.02%
• Average Volume (3M): 72.70K
• Price to Earnings (P/E): 16.3
• Beta (1Y): 1.06
• Revenue Growth: 6.63%
• EPS Growth: 62.84%
• Country: US
• Employees: 87
• Sector: Financial
• Sector Strength: 73
• Industry: Banks - Regional
• EPS (TTM): 4.28
• Shares Outstanding: 2,180,250
• 10 Day Avg. Volume: 56,601
• 30 Day Avg. Volume: 72,699
• PEG Ratio: 0.97
• Price to Book (P/B): 1.40
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 31.36
• Enterprise Value/Market Cap: 3.19
• Enterprise Value/Revenue: 2.03
• Enterprise Value/Gross Profit: 25.45
• Enterprise Value/Ebitda: 12.85
• 1Y Price Target: $235.00
• Price Target Upside: -4.71% Downside
• Rating Consensus: Hold
• Number of Analyst Covering: 0

• Rating: 69 Neutral
• Price Target: $275.00 ▲(11.51%Upside)

The overall stock score of 69 reflects a stable financial performance and reasonable valuation, with some concerns about revenue growth and technical indicators showing mixed signals. The moderate P/E ratio and low dividend yield suggest potential for capital appreciation, though short-term technical indicators show mild bearish momentum.

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 the interest earned on loans, which constitutes a significant portion of its income. The bank provides a variety of loan products, including residential mortgages, commercial real estate loans, and construction loans, to individuals and businesses. Additionally, HIFS earns income from fees and service charges related to its deposit accounts and other financial services. The bank also invests in government securities and other interest-bearing assets, which contribute to its earnings. Key factors contributing to its profitability include its focus on maintaining a high-quality loan portfolio and efficient cost management practices.

Hingham Institution For Savings Financial Statement Overview

Summary

Hingham Institution For Savings demonstrates a stable financial position with solid profitability and efficient cash management. However, revenue growth is a concern, and increasing leverage could pose risks if not managed carefully.

Income Statement

The company shows a mixed performance in its income statement. The gross profit margin and net profit margin are robust but have seen slight declines. The revenue growth has slowed recently, indicating a need for stronger growth initiatives. EBIT and EBITDA margins are stable, reflecting efficient cost management.

Balance Sheet

The balance sheet indicates moderate stability with a manageable debt-to-equity ratio, though it has increased over recent periods. Return on equity is decent but not exceptional. The equity ratio is stable, suggesting a solid asset base relative to equity.

Cash Flow

Cash flow analysis reveals healthy free cash flow growth and a strong operating cash flow to net income ratio. The company maintains a positive free cash flow to net income ratio, indicating effective cash management. However, fluctuations in cash flow from investing and financing activities require monitoring.

Breakdown	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	217.38M	190.52M	118.31M	123.46M	115.34M
Gross Profit	65.85M	63.44M	80.91M	112.41M	92.11M
EBITDA	37.27M	35.91M	54.81M	93.21M	70.83M
Net Income	28.19M	26.37M	37.52M	67.46M	50.77M
Balance Sheet
Total Assets	4.46B	4.48B	4.19B	3.43B	2.86B
Cash, Cash Equivalents and Short-Term Investments	351.83M	362.48M	362.03M	271.16M	233.99M
Total Debt	1.50B	1.69B	1.28B	665.00M	408.03M
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: 246.61
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• 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 246.61 is below the 20-day moving average (MA) of 263.35, below the 50-day MA of 249.86, and below the 200-day MA of 253.57, indicating a bearish trend. The MACD of -0.44 indicates Positive momentum. The RSI at 44.17 is Neutral, neither overbought nor oversold. The STOCH value of 14.57 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
UNTY	74 Outperform	$517.20M	12.41	15.17%	1.08%	6.99%	12.46%
NRIM	73 Outperform	$493.18M	11.17	16.69%	2.91%	27.27%	39.43%
HIFS	69 Neutral	$539.18M	16.30	7.82%	1.02%	6.63%	62.84%
PGC	69 Neutral	$459.01M	14.46	5.31%	0.77%	7.35%	-2.65%
HONE	68 Neutral	$517.33M	19.72	4.56%	2.79%	6.65%	67.14%
Sector *	68 Neutral	$17.10B	11.19	9.70%	3.58%	11.11%	-4.55%
BCAL	66 Neutral	$523.79M	36.11	4.21%	―	60.34%	-62.91%