Hingham Institution For Savings (HIFS) AI Stock Analysis

• Market Cap: $607.85M
• Dividend Yield: 0.84%
• Average Volume (3M): 63.04K
• Price to Earnings (P/E): 11.4
• Beta (1Y): 1.12
• Revenue Growth: 8.26%
• EPS Growth: 94.53%
• Country: US
• Employees: 87
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 9.39
• Shares Outstanding: 2,180,250
• 10 Day Avg. Volume: 94,137
• 30 Day Avg. Volume: 63,039
• PEG Ratio: 0.12
• Price to Book (P/B): 1.29
• Price to Sales (P/S): 2.62
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: 3.43
• Enterprise Value/Revenue: 8.81
• Enterprise Value/Gross Profit: 20.19
• Enterprise Value/Ebitda: 28.45
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 65 Neutral
• Price Target: $315.00 ▲(7.27% Upside)
• Action: Reiterated Date: 01/22/26
• Date: Action: Reiterated 01/22/26

The score is driven primarily by improved TTM profitability and revenue growth, tempered by higher leverage and uneven cash-flow consistency. Technicals are supportive with price above major moving averages and neutral-to-positive momentum, while valuation appears reasonable at a 11.9 P/E with a modest ~1.10% dividend yield.

Positive Factors

Profitability

The company's solid profitability indicates effective cost management and a strong ability to generate income, which supports long-term financial health and shareholder value.

Cash Management

Effective cash management ensures the company can meet its financial obligations, invest in growth opportunities, and return value to shareholders, enhancing its long-term sustainability.

Community Focus

By fostering strong community ties, HIFS strengthens its market position and customer loyalty, which can lead to sustained revenue growth and competitive advantage in the regional banking sector.

Negative Factors

Revenue Growth Concerns

Slowing revenue growth could limit the company's ability to expand and compete effectively, necessitating strategic initiatives to enhance growth and maintain market relevance.

Increasing Leverage

Higher leverage can strain the company's financial flexibility and increase risk, particularly in volatile markets, potentially impacting long-term stability and growth prospects.

Margin Declines

Declining margins may indicate rising costs or pricing pressures, which could erode profitability over time, necessitating strategic adjustments to maintain financial performance.

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 is a significant component of its earnings. The bank offers various types of loans, including mortgage loans, home equity lines of credit, and commercial loans, charging interest on these products. Additionally, HIFS earns income from service fees associated with account maintenance, transaction processing, and other banking services. The bank also invests in securities, which provide interest income. A key factor contributing to HIFS's financial success is its ability to maintain a strong deposit base, allowing it to fund its lending activities effectively. Furthermore, the bank may engage in partnerships with local businesses for promotional offers or financial services, enhancing its customer reach and revenue potential.

Hingham Institution For Savings Financial Statement Overview

Summary

Profitability improved meaningfully in the TTM period (net margin ~23% vs. ~13% in 2024) with positive TTM revenue growth (+5.2%), supporting the score. Offsetting factors are elevated leverage (debt-to-equity ~3.05x) and uneven cash-flow consistency/coverage despite strong TTM free cash flow versus earnings.

Income Statement

TTM (Trailing-Twelve-Months) results show solid profitability with net income of $45.2M on $228.6M of revenue and a healthy net margin (~23%). Profitability has improved meaningfully versus 2024 (net margin ~13%), alongside stronger operating margins. Revenue growth is positive in the most recent period (TTM +5.2%), but the longer-term revenue path has been uneven (notably a sharp decline in 2022) and margins have been volatile across years, which tempers the score.

Balance Sheet

The balance sheet reflects typical bank leverage, but it is on the higher side: TTM debt-to-equity is ~3.05x (still improved from 2023–2024 levels that were higher). Equity has been building (TTM equity ~$461.7M vs. ~$431.8M in 2024), and returns have improved with TTM return on equity around ~12% versus ~6–7% in 2023–2024. The key risk remains leverage sensitivity—higher debt relative to equity can amplify earnings swings and pressure capital flexibility in tougher credit or rate environments.

Cash Flow

Free cash flow in TTM is strong relative to reported earnings (free cash flow is ~99% of net income), and free cash flow growth is robust (TTM +34%). However, operating cash flow is comparatively low versus the balance sheet and inconsistent year to year (TTM operating cash flow ~$29.7M vs. ~$55.9M in 2022), and the provided operating cash flow coverage reading is low in the most recent periods, signaling weaker cash generation versus obligations in the latest snapshots. Overall: improving, but not yet consistently strong.

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	0.00	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	0.00	11.75M	18.45M	53.33M	57.41M
Operating Cash Flow	0.00	11.89M	19.75M	55.85M	59.01M
Investing Cash Flow	0.00	32.48M	-276.58M	-685.28M	-527.34M
Financing Cash Flow	0.00	-55.02M	257.27M	720.30M	505.50M

Hingham Institution For Savings Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 293.64
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• 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 293.64 is below the 20-day moving average (MA) of 307.73, below the 50-day MA of 298.69, and above the 200-day MA of 274.19, indicating a neutral trend. The MACD of -4.53 indicates Positive momentum. The RSI at 38.05 is Neutral, neither overbought nor oversold. The STOCH value of 12.16 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
NRIM	81 Outperform	$531.06M	9.10	21.77%	2.31%	36.60%	92.63%
PGC	73 Outperform	$605.40M	13.10	5.50%	0.70%	9.16%	6.95%
BCAL	72 Outperform	$593.77M	9.70	11.93%	―	61.29%	―
UNTY	71 Outperform	$532.29M	8.95	18.08%	1.08%	11.38%	36.10%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
HIFS	65 Neutral	$607.85M	11.36	10.23%	0.84%	8.26%	94.53%