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Hingham Institution For Savings (HIFS)
NASDAQ:HIFS
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Hingham Institution For Savings (HIFS) AI Stock Analysis

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HIFS

Hingham Institution For Savings

(NASDAQ:HIFS)

Rating:69Neutral
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 (HIFS) vs. SPDR S&P 500 ETF (SPY)

Hingham Institution For Savings Business Overview & Revenue Model

Company DescriptionHingham 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 MoneyHingham 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
72
Positive
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
68
Positive
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
75
Positive
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.
BreakdownDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue217.38M190.52M118.31M123.46M115.34M
Gross Profit65.85M63.44M80.91M112.41M92.11M
EBITDA37.27M35.91M54.81M93.21M70.83M
Net Income28.19M26.37M37.52M67.46M50.77M
Balance Sheet
Total Assets4.46B4.48B4.19B3.43B2.86B
Cash, Cash Equivalents and Short-Term Investments351.83M362.48M362.03M271.16M233.99M
Total Debt1.50B1.69B1.28B665.00M408.03M
Total Liabilities4.03B4.08B3.81B3.08B2.56B
Stockholders Equity431.75M407.62M385.97M354.61M292.94M
Cash Flow
Free Cash Flow11.75M18.45M53.33M57.41M44.06M
Operating Cash Flow11.89M19.75M55.85M59.01M45.59M
Investing Cash Flow32.48M-276.58M-685.28M-527.34M-280.43M
Financing Cash Flow-55.02M257.27M720.30M505.50M216.68M

Hingham Institution For Savings Technical Analysis

Technical Analysis Sentiment
Negative
Last Price246.61
Price Trends
50DMA
249.86
Negative
100DMA
245.11
Positive
200DMA
253.57
Negative
Market Momentum
MACD
-0.44
Positive
RSI
44.17
Neutral
STOCH
14.57
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

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
74
Outperform
$517.20M12.4115.17%1.08%6.99%12.46%
73
Outperform
$493.18M11.1716.69%2.91%27.27%39.43%
69
Neutral
$539.18M16.307.82%1.02%6.63%62.84%
69
Neutral
$459.01M14.465.31%0.77%7.35%-2.65%
68
Neutral
$517.33M19.724.56%2.79%6.65%67.14%
68
Neutral
$17.10B11.199.70%3.58%11.11%-4.55%
66
Neutral
$523.79M36.114.21%60.34%-62.91%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
HIFS
Hingham Institution For Savings
246.61
8.89
3.74%
NRIM
Northrim Bancorp
86.48
20.01
30.10%
PGC
Peapack-Gladstone Financial
26.40
-1.52
-5.44%
UNTY
Unity Bancorp
50.15
16.47
48.90%
HONE
HarborOne Bancorp
12.18
-0.82
-6.31%
BCAL
Southern California Bancorp
16.04
0.96
6.37%
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.Date of analysis: Jul 18, 2025