Hingham Institution For Savings (HIFS) AI Stock Analysis

• Market Cap: $587.71M
• Dividend Yield: 0.84%
• Average Volume (3M): 63.04K
• Price to Earnings (P/E): 11.4
• Beta (1Y): 1.13
• 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: 17.44
• Enterprise Value/Market Cap: 3.48
• Enterprise Value/Revenue: 8.64
• Enterprise Value/Gross Profit: 19.79
• Enterprise Value/Ebitda: 27.89
• 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: 62 Neutral
• Price Target: $288.00 ▼(-1.92% Downside)
• Action: Reiterated Date: 03/09/26
• Date: Action: Reiterated 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.

Stronger Cash Generation

A near-1.0x cash conversion rate and ~20% FCF improvement indicate improving cash quality versus prior uneven years. Consistent FCF supports operational resilience, enables debt paydown or shareholder returns, and reduces reliance on external funding across the medium term.

Proactive Capital Allocation

Authorization of a $20M buyback plus a special dividend demonstrates management's confidence in capital adequacy and a disciplined approach to returns. Structured share repurchases and special dividends signal durable shareholder-focused policy tied to capital and earnings stability.

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.

Weak Operating Cash Margin

Low operating cash flow relative to revenue (~5.9%) and historical volatility mean earnings do not always translate into durable liquidity. This reduces the bank's ability to consistently fund loan growth, absorb provisions, or pursue investments without drawing on capital or wholesale funding.

Concentrated Real Estate Exposure

Concentration in regional residential and commercial real estate lending increases sensitivity to local property cycles and rate-driven housing demand shifts. Limited geographic and product diversification heightens credit risk and could amplify earnings volatility if regional markets weaken.

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

Income statement strength is evident with a TTM earnings rebound (revenue +3.6%) and materially higher margins (net margin ~23%, EBIT margin ~31%). Cash flow quality improved with free cash flow up ~20% and near-1.0x conversion vs. net income, but operating cash flow margin is still low (~5.9%) and historical cash flow has been uneven. The main constraint is balance-sheet risk: leverage remains elevated (~3.1x debt-to-equity) despite improvement, making the capital structure a notable ongoing risk.

Income Statement

TTM (Trailing-Twelve-Months) results show a clear earnings rebound: revenue is up 3.6% and profitability improved sharply versus 2024, with net margin rising to ~23% (from ~13%) and EBIT margin to ~31% (from ~17%). That said, margins remain well below the unusually strong 2020–2021 period, highlighting some longer-term volatility in profitability.

Balance Sheet

Leverage is elevated for a regional bank, with debt running at ~3.1x equity in TTM (Trailing-Twelve-Months), though it has improved from the 2023 peak (~4.2x). Equity has grown (about $480M vs. $432M in 2024), supporting a better return profile (ROE ~12% TTM vs. ~6.5% in 2024), but the capital structure remains a key risk factor if credit conditions or funding costs deteriorate.

Cash Flow

Cash generation improved meaningfully in TTM (Trailing-Twelve-Months), with free cash flow up ~20% and nearly matching net income (~0.99x), which is a supportive quality signal. However, operating cash flow relative to revenue remains low (about ~5.9% TTM), and cash flow has been uneven year-to-year (negative free cash flow growth in multiple prior annual periods), pointing to some volatility.

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

• Technical Analysis Sentiment: Negative
• Last Price: 293.64
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• 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 293.64 is above the 20-day moving average (MA) of 286.43, below the 50-day MA of 296.08, and above the 200-day MA of 275.20, indicating a bearish trend. The MACD of -9.10 indicates Positive momentum. The RSI at 38.11 is Neutral, neither overbought nor oversold. The STOCH value of 25.52 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	71 Outperform	$498.12M	8.36	17.76%	1.08%	11.38%	36.10%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
NRIM	67 Neutral	$498.54M	9.10	21.32%	2.31%	36.60%	92.63%
PGC	66 Neutral	$590.37M	10.05	5.85%	0.70%	9.16%	6.95%
HIFS	62 Neutral	$587.71M	11.36	11.96%	0.84%	8.26%	94.53%
BCAL	62 Neutral	$565.07M	9.70	11.36%	―	61.29%	―