Hingham Institution For Savings (HIFS) AI Stock Analysis

• Market Cap: $633.01M
• Dividend Yield: 0.83%
• Average Volume (3M): 103.44K
• Price to Earnings (P/E): 14.1
• Beta (1Y): 1.04
• 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: 126,500
• 30 Day Avg. Volume: 103,439
• 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: 3.32
• Enterprise Value/Revenue: 9.67
• Enterprise Value/Gross Profit: 27.99
• Enterprise Value/Ebitda: 45.56
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• 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 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 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 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. The company should focus on enhancing growth strategies while maintaining its financial stability.

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	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	65.85M	63.44M	80.91M	112.41M	92.11M
EBITDA	46.11M	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: Negative
• Last Price: 290.34
• 50DMA: Negative
• 100DMA: Negative
• 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 Negative. The current price of 290.34 is above the 20-day moving average (MA) of 273.87, above the 50-day MA of 273.61, and above the 200-day MA of 254.02, indicating a neutral trend. The MACD of -2.23 indicates Positive momentum. The RSI at 43.46 is Neutral, neither overbought nor oversold. The STOCH value of 23.76 is Neutral, 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	73 Outperform	$485.90M	9.17	17.46%	1.16%	11.38%	36.10%
BCAL	71 Outperform	$539.47M	19.17	7.44%	―	88.14%	0.65%
NRIM	70 Outperform	$463.02M	10.47	16.69%	5.36%	27.34%	39.43%
HONE	70 Outperform	$581.78M	20.81	4.56%	2.53%	5.00%	72.45%
HIFS	68 Neutral	$633.01M	14.14	10.23%	0.83%	8.26%	94.53%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
PGC	64 Neutral	$464.68M	14.45	5.31%	0.71%	7.35%	-2.65%