Hingham Institution For Savings (HIFS)
NASDAQ:HIFS
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Hingham Institution For Savings
(NASDAQ:HIFS)
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Rating:62Neutral
Price Target:
$288.00
▼(-1.92% Downside)
Action:ReiteratedDate:03/09/26
Overall score is driven primarily by improved TTM profitability and better cash conversion, partially offset by still-elevated leverage risk. Technical indicators are notably weak (price below key moving averages with negative MACD and low RSI/stochastic), which drags the score despite a relatively reasonable P/E and modest dividend yield.
Positive Factors
Improving Profitability
Margin recovery to ~23% net and ~31% EBIT reflects durable improvement in core earning power driven by asset repricing and better funding costs. Sustained higher margins support stronger internal capital generation, improving the bank's ability to fund growth and absorb credit cycles over months.
Negative Factors
Elevated Leverage
A TTM debt-to-equity around 3.1x remains high for a regional bank and leaves limited cushion if credit stress or funding costs rise. Elevated leverage constrains capital flexibility, raises refinancing risk, and could force slower loan growth or reduced distributions during adverse cycles.
Read all positive and negative factors
Positive Factors
Negative Factors
Improving Profitability
Margin recovery to ~23% net and ~31% EBIT reflects durable improvement in core earning power driven by asset repricing and better funding costs. Sustained higher margins support stronger internal capital generation, improving the bank's ability to fund growth and absorb credit cycles over months.
Read all positive factors
Hingham Institution For Savings (HIFS) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$599.57M
Dividend Yield0.84%
Average Volume (3M)63.04K
Price to Earnings (P/E)11.4
Beta (1Y)1.11
Revenue Growth8.26%
EPS Growth94.53%
CountryUS
Employees87
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)9.39
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 Cap3.44
Enterprise Value/Revenue8.71
Enterprise Value/Gross Profit19.97
Enterprise Value/Ebitda28.13
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 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...
How the Company Makes Money
Hingham Institution for Savings generates revenue primarily through the interest earned on loans, which is a significant component of its earnings. The bank offers various types of loans, including mortgage loans, home equity lines of credit, and ...
Hingham Institution For Savings Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
54
Neutral
Cash Flow
63
Positive
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 236.76M | 217.38M | 190.52M | 118.31M | 123.46M |
| Gross Profit | 103.33M | 65.53M | 63.44M | 80.91M | 112.41M |
| EBITDA | 73.34M | 37.27M | 35.91M | 54.81M | 93.21M |
| Net Income | 54.55M | 28.19M | 26.37M | 37.52M | 67.46M |
Balance Sheet | |||||
| Total Assets | 4.54B | 4.46B | 4.48B | 4.19B | 3.43B |
| Cash, Cash Equivalents and Short-Term Investments | 6.68M | 351.83M | 362.48M | 362.03M | 271.16M |
| Total Debt | 1.46B | 1.50B | 1.69B | 1.28B | 665.00M |
| Total Liabilities | 4.06B | 4.03B | 4.08B | 3.81B | 3.08B |
| Stockholders Equity | 479.71M | 431.75M | 407.62M | 385.97M | 354.61M |
Cash Flow | |||||
| Free Cash Flow | 35.53M | 11.75M | 18.45M | 53.33M | 57.41M |
| Operating Cash Flow | 35.79M | 11.89M | 19.75M | 55.85M | 59.01M |
| Investing Cash Flow | -37.53M | 32.48M | -276.58M | -685.28M | -527.34M |
| Financing Cash Flow | 19.51M | -55.02M | 257.27M | 720.30M | 505.50M |
Hingham Institution For Savings Technical Analysis
Neutral
293.64
Price Trends
294.43
Negative
289.93
Negative
276.18
Positive
Market Momentum
-7.01
Negative
46.19
Neutral
48.89
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 293.64 is above the 20-day moving average (MA) of 277.10, below the 50-day MA of 294.43, and above the 200-day MA of 276.18, indicating a neutral trend. The MACD of -7.01 indicates Negative momentum. The RSI at 46.19 is Neutral, neither overbought nor oversold. The STOCH value of 48.89 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
71 Outperform | $508.43M | 8.36 | 17.76% | 1.08% | 11.38% | 36.10% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $504.96M | 9.10 | 21.32% | 2.31% | 36.60% | 92.63% | |
66 Neutral | $614.62M | 10.05 | 5.85% | 0.70% | 9.16% | 6.95% | |
62 Neutral | $599.57M | 11.36 | 11.96% | 0.84% | 8.26% | 94.53% | |
62 Neutral | $567.01M | 9.70 | 11.36% | ― | 61.29% | ― |
* Financial Sector Average
HIFS
Hingham Institution For Savings
277.42
42.62
18.15%
NRIM
Northrim Bancorp
22.82
4.65
25.59%
PGC
Peapack-Gladstone Financial
34.98
6.01
20.75%
UNTY
Unity Bancorp
50.71
9.27
22.35%
BCAL
California BanCorp
17.49
2.83
19.32%
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.