Want to see HIFS full AI Analyst Report?
Top Page
Hingham Institution For Savings
(NASDAQ:HIFS)
Select Model
Select Model
Rating:71Outperform
Price Target:
$330.00
▲(18.12% Upside)
Action:Reiterated
Date:08/11/26
The score is driven primarily by improving financial performance (stronger TTM profitability and revenue growth) tempered by still-elevated balance-sheet leverage. Technicals add support with price above key moving averages and positive momentum, while valuation is a tailwind due to the low P/E and a modest dividend yield.
Positive Factors
High Profitability
Sustained TTM margins around 27% (net) and ~36% (EBIT) indicate the bank generates strong core earnings from its lending and deposit franchise. Durable profitability provides an internal buffer for cyclical stress, funds reinvestment, and supports capital build over multiple quarters.
Negative Factors
Elevated Leverage
A materially elevated debt-to-equity ratio limits balance-sheet flexibility and raises sensitivity to funding stress or rising rates. Even with improvement, the sizable leverage constrains capital actions and increases downside risk in adverse credit or liquidity scenarios over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
High Profitability
Sustained TTM margins around 27% (net) and ~36% (EBIT) indicate the bank generates strong core earnings from its lending and deposit franchise. Durable profitability provides an internal buffer for cyclical stress, funds reinvestment, and supports capital build over multiple quarters.
Read all positive factors
Hingham Institution For Savings (HIFS) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$659.46M
Dividend Yield1.08%
Average Volume (3M)63.04K
Price to Earnings (P/E)9.9
Beta (1Y)1.17
Revenue Growth12.91%
EPS Growth95.79%
CountryUS
Employees93
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)30.31
Shares Outstanding2,180,250
10 Day Avg. Volume94,137
30 Day Avg. Volume63,039
Financial Highlights & Ratios
PEG Ratio0.12
Price to Book (P/B)1.29
Price to Sales (P/S)2.62
P/FCF Ratio17.44
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Hingham Institution For Savings Business Overview & Revenue Model
Company Description
Hingham Institution for Savings is a financial services provider that offers a diverse array of banking solutions to both individual consumers and corporate entities throughout the U.S. Its comprehensive selection of deposit accounts encompasses s...
How the Company Makes Money
HIFS primarily makes money through net interest income: it funds itself largely with customer deposits and other borrowings, and earns interest on its loan portfolio and investment securities. The spread between interest earned on assets (especial...
Hingham Institution For Savings Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
62
Positive
Cash Flow
66
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 245.42M | 236.76M | 217.38M | 190.52M | 118.31M | 123.46M |
| Gross Profit | 119.80M | 103.33M | 65.53M | 63.44M | 80.91M | 112.41M |
| EBITDA | 88.31M | 73.34M | 37.27M | 35.91M | 54.81M | 93.21M |
| Net Income | 66.31M | 54.55M | 28.19M | 26.37M | 37.52M | 67.46M |
Balance Sheet | ||||||
| Total Assets | 4.56B | 4.54B | 4.46B | 4.48B | 4.19B | 3.43B |
| Cash, Cash Equivalents and Short-Term Investments | 5.49M | 6.68M | 351.83M | 362.48M | 362.03M | 271.16M |
| Total Debt | 1.41B | 1.46B | 1.50B | 1.69B | 1.28B | 665.00M |
| Total Liabilities | 4.05B | 4.06B | 4.03B | 4.08B | 3.81B | 3.08B |
| Stockholders Equity | 507.42M | 479.71M | 431.75M | 407.62M | 385.97M | 354.61M |
Cash Flow | ||||||
| Free Cash Flow | 35.35M | 35.53M | 11.75M | 18.45M | 53.33M | 57.41M |
| Operating Cash Flow | 35.65M | 35.79M | 11.89M | 19.75M | 55.85M | 59.01M |
| Investing Cash Flow | 13.01M | -37.53M | 32.48M | -276.58M | -685.28M | -527.34M |
| Financing Cash Flow | -54.11M | 19.51M | -55.02M | 257.27M | 720.30M | 505.50M |
Hingham Institution For Savings Technical Analysis
Positive
279.37
Price Trends
295.13
Positive
289.80
Positive
289.09
Positive
Market Momentum
4.41
Negative
52.77
Neutral
38.55
Neutral
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 279.37 is below the 20-day moving average (MA) of 296.76, below the 50-day MA of 295.13, and below the 200-day MA of 289.09, indicating a bullish trend. The MACD of 4.41 indicates Negative momentum. The RSI at 52.77 is Neutral, neither overbought nor oversold. The STOCH value of 38.55 is Neutral, 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
80 Outperform | $643.04M | 12.03 | 13.02% | 2.28% | 24.95% | 95.35% | |
76 Outperform | $572.58M | 8.30 | 20.68% | 2.36% | 18.07% | 52.19% | |
71 Outperform | $659.46M | 9.86 | 13.73% | 1.15% | 12.91% | 95.79% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $439.35M | 23.02 | 4.62% | 0.47% | ― | ― | |
66 Neutral | $623.44M | 16.67 | 4.77% | 4.65% | 1.05% | 38.31% | |
59 Neutral | $275.43M | 16.42 | 6.78% | 1.96% | 6.09% | 41.66% |
* Financial Sector Average
HIFS
Hingham Institution For Savings
298.90
37.92
14.53%
ACNB
ACNB
63.65
21.27
50.19%
KRNY
Kearny Financial
9.67
3.95
69.09%
NRIM
Northrim Bancorp
25.74
4.44
20.87%
WNEB
Western New England Bancorp
13.79
2.19
18.87%
AVBC
Avidia Bancorp, Inc.
21.89
7.02
47.20%
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.