Hingham Institution For Savings (HIFS) AI Stock Analysis

• Market Cap: $564.77M
• Dividend Yield: 0.99%
• Average Volume (3M): 52.83K
• Price to Earnings (P/E): 16.9
• Beta (1Y): 1.07
• Revenue Growth: 6.63%
• EPS Growth: 62.84%
• Country: US
• Employees: 87
• Sector: Financial
• Sector Strength: 65
• Industry: Banks - Regional
• EPS (TTM): 4.28
• Shares Outstanding: 2,180,250
• 10 Day Avg. Volume: 51,802
• 30 Day Avg. Volume: 52,833
• PEG Ratio: N/A
• Price to Book (P/B): 0.00
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: 3.74
• Enterprise Value/Revenue: 9.81
• Enterprise Value/Gross Profit: 31.22
• Enterprise Value/Ebitda: 54.01
• 1Y Price Target: $285.00
• Price Target Upside: 11.91% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1

• Rating: 69 Neutral
• Price Target: $285.00 ▲(11.91% Upside)

HIFS shows a stable financial performance with efficient cash management, though revenue growth and increasing leverage are concerns. Technical indicators suggest a neutral to slightly bullish trend, and the stock is fairly valued with a modest dividend yield.

Hingham Institution For Savings Business Overview & Revenue Model

Company Description

Hingham Institution for Savings (HIFS) is a community-oriented bank based in Hingham, Massachusetts, primarily focused on providing a range of financial services to individuals and businesses. Established in 1834, HIFS operates in the banking sector and offers products such as savings accounts, checking accounts, loans, mortgages, and investment services. The institution prides itself on its commitment to customer service and community involvement, catering to the financial needs of both local residents and businesses.

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.

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: Positive
• Last Price: 254.66
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HIFS, the sentiment is Positive. The current price of 254.66 is above the 20-day moving average (MA) of 247.22, above the 50-day MA of 247.74, and above the 200-day MA of 252.59, indicating a bullish trend. The MACD of 0.41 indicates Negative momentum. The RSI at 57.51 is Neutral, neither overbought nor oversold. The STOCH value of 91.11 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive 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	$495.63M	9.98	17.02%	1.11%	10.57%	31.14%
BCAL	70 Outperform	$523.53M	18.52	7.44%	―	88.14%	0.65%
NRIM	70 Neutral	$482.35M	10.91	16.69%	2.92%	27.34%	39.43%
HIFS	69 Neutral	$564.77M	16.88	7.82%	0.99%	6.63%	62.84%
PGC	69 Neutral	$472.80M	14.71	5.31%	0.74%	7.35%	-2.65%
Sector *	68 Neutral	$17.53B	11.78	10.43%	3.83%	9.94%	1.31%
HONE	59 Neutral	$526.10M	18.82	4.56%	2.83%	5.00%	72.45%