Hingham Institution For Savings (HS3) Stock Price & Analysis
HS3 Stock Chart & Stats
- Day’s Range
- EUR 258.00 - EUR 258.00
- 52-Week Range
- EUR 214.00 - EUR 288.00
- Previous Close
- EUR 268.00
- Volume
- N/A
- Average Volume (3M)
- 0
- Market Cap
- EUR 580.55M
- Enterprise Value
- EUR 2.04B
- Total Cash (Recent Filing)
- EUR 4.81M
- Total Debt (Recent Filing)
- EUR 1.42B
- Price to Earnings (P/E)
- 10.6
- Beta
- 0.83
- Next Earnings
- Jan 15, 2027 (Est.)
- EPS Estimate
- N/A
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- 1.04%
Bulls Say, Bears Say
Bulls Say
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.
Consistent Revenue Growth
Mid-single-digit TTM revenue growth, supported by multi-year fundamentals, reflects steady expansion of interest and fee income. Persistent top-line growth helps preserve net interest margin leverage as the loan book and deposit base expand, underpinning medium-term earnings drivers.
Stable Cash Generation
Free cash flow roughly matching net income across periods shows the franchise converts earnings to cash consistently. Positive, predictable FCF supports dividends, debt paydown and reinvestment, improving financial flexibility over the coming quarters if trends persist.
Bears Say
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.
Cash Flow Variability
A near-5% YoY decline in TTM free cash flow and noted variability in operating cash flow reduce predictability for dividends, loan growth funding or accelerated deleveraging. This sensitivity can complicate capital planning if macro or credit conditions shift.
Loan Concentration Risk
Concentration in residential and commercial real estate lending ties asset quality to property cycles and local market dynamics. Regional CRE/RE exposure can produce correlated credit losses in downturns, making earnings and capital more cyclical and sensitive to regional real estate shocks.
Hingham Institution For Savings News
HS3 FAQ
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Hingham Institution For Savings Stock Smart Score
Company Description
Hingham Institution For Savings
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 savings, checking, money market, demand deposit, and negotiable order of withdrawal (NOW) options, alongside certificates of deposit (CDs). The institution also extends credit through various loan products, including financing for commercial and residential real estate, construction projects, home equity lines, general business needs, and personal consumer purposes. Furthermore, for customer convenience, it makes available automated teller machines (ATMs), debit cards, and a robust online banking platform. Its service delivery model includes a network of six physical branches situated across Boston and eastern Massachusetts, supplemented by commercial lenders and dedicated relationship managers operating in Washington. Established in 1834, Hingham Institution for Savings maintains its principal office in Hingham, Massachusetts.
- Sector
- Financial
- Industry
- Banks - Regional
- CEO
- Robert H. Gaughen Jr.
- Employees
- 93
- Website
- www.hinghamsavings.com
- Address
- 55 Main Street, Hingham, MA, 02043, US
Hingham Institution For Savings (HS3) Earnings & Revenues
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 12 | 4 | 6 |
| Technical Analysis | 4 | 4 | 2 |
| Moving Averages | 8 | 0 | 4 |
