Hingham Institution for Savings (HIFS)

NGM – Real Time Price. Currency in USD

267.10

-4.10 (-1.51%)

At close: May 12, 2026, 4:00 PM EDT

267.10

0.00 (0.00%)

After-hours: May 12, 2026, 4:10 PM EDT

Stock details

Previous close: 283.59$
Day's range: 281.92 - 286.73$
52-week range: 220.76 - 338$
Volume: 12 580
Average volume: 28 963
Beta: 1.39
EPS (TTM): 23.05
PE ratio (TTM): 12.44
Forward P/E: N/A
Market cap: 618 297 070
Shares outstanding: 2 180 250
Dividend yield: $0.89 (0.89%)
Next earnings date: N/A
Sector: Financials
Industry: Banks - Regional

About the company

Hingham Institution for Savings provides various financial services to individuals and small businesses in the United States. It offers savings, checking, money market, term certificate, demand, and negotiable order of withdrawal accounts, as well as certificates of deposit. The company provides commercial and residential owner-occupied real estate, construction, home equity, consumer, and commercial loans; and origination o... read more

CEO: Robert Gaughen
Country: United States
IPO Date
Employees: 97
Fiscal Year End: January - December
Website: https://www.hinghamsavings.com

Revenue Breakdown

Banking and Related Activities / 100.00%

News

No Data

There are no news for this stock.

Chart: HIFS

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Overall Score

3.5 / 1035%

Financial Strength

4.2

Profitability

6.4

Effectiveness

Growth

5.2

Forecast

Valuation

4.3

Dividend

Economic Moat

Octagon View

Strength & Weakness

Cash reserves $0.0 barely cover the upcoming debt maturities $1.4B

Total current assets $0.0 are just enough to cover Total current liabilities $0.0, indicating tight liquidity

Debt-to-equity ratio (2.9) far exceeds the industry average, reflecting over-leverage

The company has no interest-bearing debt, showcasing excellent financial strength

The company generates positive free cash flow $13.1M, supporting its financial health

Financial Strength

NAME	RATIO	INDUSTRY	SCORE
Current ratio	0.16	2.82	2.0
Quick ratio	N/A	2.82	1.0
Debt to Equity	2.93	0.05	2.0
Debt to Assets	0.31	0.09	6.0
Interest coverage	N/A	N/A	10
Weighted average score			4.2

Debt to Assets

Financial

Values in USD
(B=Billions, M=Millions, K=Thousands)

Values in USD (B=Billions, M=Millions, K=Thousands)

METRIC	2022	2023	2024	2025	TTM
Total Revenue	118M	191M	217M	237M	227M
Gross Profit	N/A	N/A	N/A	N/A	N/A
Operating Income	54M	35M	37M	73M	67M
Net Income	38M	26M	28M	55M	50M
EBITDA	N/A	N/A	N/A	N/A	N/A

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

NAME	RATIO	INDUSTRY	SCORE
Gross margin %	N/A	48.43	1.0
Operating margin %	34.00	0.44	10
Net margin %	22.92	32.70	10
EBITDA margin %	N/A	0.00	1.0
Cash flow margin %	31.16	0.00	10
Weighted average score			6.4

Net Margin

Effectiveness

NAME	RATIO	INDUSTRY	SCORE
ROA	1.02	1.46	3.0
ROE	10.24	14.94	7.0
ROIC	2.73	0.00	5.0
ROCE	N/A	0.00	1.0
Weighted average score			4.0

Estimated EPS vs Actual EPS

Forecast

NAME	REVENUE GROWTH	EPS GROWTH	SCORE
Current quarter	N/A	N/A	1.0
Next quarter	N/A	N/A	1.0
Current year	N/A	N/A	1.0
Next year	N/A	N/A	1.0
Weighted average score			1.0

Analyst Rating

Growth

NAME	REVENUE	NET INCOME	EPS	FCF	SCORE
Q/Q	-36.99	-86.23	N/A	74.36	3.3
Y/Y	-17.99	-59.97	N/A	14.52	2.8
3y average	28.02	23.57	N/A	33.52	7.8
5y average	17.48	11.84	N/A	24.75	6.8
Weighted average score					5.2

Revenue Growth Rate vs. Industry

Valuation

NAME	RATIO	INDUSTRY	SCORE
P/E	11.70	11.16	6.8
PEG (5yr expected)	N/A	98.42	1.0
P/S	6.12	3.37	3.2
P/B	1.32	1.53	6.0
Weighted average score			4.3

DCF Model

DCF Model Period5 years

Discount rate9%

Perpetual growth rate3%

Revenue 5 year CAGR17.48%

FCF 5 year CAGR4

Fair value815.07$

Stock price283.59$

Dividend

NAME	CURRENT	INDUSTRY	SCORE
Dividend yield	0.89	0.89	4.0
Payout ratio	8.61	8.61	2.0
5-year dividend growth rate	-6.57	-6.57	1.0
Years of dividend increase	0.00	0.00	1.0
Weighted average score			2.0

Fair Value

$815.07

UndervaluedStock priceOvervalued

$283.59

Economic Moat

NAME	SCALE	SCORE
Market share	None	1.0
Intangible assets	None	1.0
Switching costs	None	1.0
Network effect	None	1.0
Economies of scale	None	1.0
Weighted average score		1.0

About the company

CEO

Robert Gaughen

Country

United States

IPO Date

Employees

Fiscal Year End

January - December

Website

https://www.hinghamsavings.com

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Current ratio

0.16

2.82

2.0

Quick ratio

N/A

2.82

1.0

Debt to Equity

2.93

0.05

2.0

Debt to Assets

0.31

0.09

6.0

Interest coverage

N/A

Weighted average score

4.2

METRIC

2022

2023

2024

2025

TTM

Total Revenue

118M

191M

217M

237M

227M

Gross Profit

N/A

Operating Income

54M

35M

37M

73M

67M

Net Income

38M

26M

28M

55M

50M

EBITDA

N/A

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Gross margin %

N/A

48.43

1.0

Operating margin %

34.00

0.44

Net margin %

22.92

32.70

EBITDA margin %

N/A

0.00

1.0

Cash flow margin %

31.16

0.00

Weighted average score

6.4

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

ROA

1.02

1.46

3.0

ROE

10.24

14.94

7.0

ROIC

2.73

0.00

5.0

ROCE

N/A

0.00

1.0

Weighted average score

4.0

NAME

REVENUE GROWTH

EPS GROWTH

SCORE

Current quarter

N/A

1.0

Next quarter

N/A

1.0

Current year

N/A

1.0

Next year

N/A

1.0

Weighted average score

1.0

NAME

REVENUE

NET INCOME

EPS

FCF

SCORE

Q/Q

-36.99

-86.23

N/A

74.36

3.3

Y/Y

-17.99

-59.97

N/A

14.52

2.8

3y average

28.02

23.57

N/A

33.52

7.8

5y average

17.48

11.84

N/A

24.75

6.8

Weighted average score

5.2

NAME

RATIO

INDUSTRY

5Q TREND

SCORE

P/E

11.70

11.16

6.8

PEG (5yr expected)

N/A

98.42

1.0

P/S

6.12

3.37

3.2

P/B

1.32

1.53

6.0

Weighted average score

4.3

NAME

CURRENT

INDUSTRY

SCORE

Dividend yield

0.89

4.0

Payout ratio

8.61

2.0

5-year dividend growth rate

-6.57

1.0

Years of dividend increase

0.00

1.0

Weighted average score

2.0

NAME

SCALE

SCORE

Market share

None

1.0

Intangible assets

None

1.0

Switching costs

None

1.0

Network effect

None

1.0

Economies of scale

None

1.0

Weighted average score

1.0

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Hingham Institution for Savings (HIFS)

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Hingham Institution for Savings (HIFS)

Stock details

About the company

Revenue Breakdown

News

Chart: HIFS

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$815.07

$283.59

Economic Moat

Stock details

About the company

Revenue Breakdown

News

Chart: HIFS

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$815.07

$283.59

Economic Moat