Hingham Institution For Savings (HS3) AI Stock Analysis

Hingham Institution For Savings

(Frankfurt:HS3)

Rating:―N/A

Action:N/A

Date:―

No summary available

Positive Factors

High ProfitabilitySustained 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 LeverageA 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.

Hingham Institution For Savings (HS3) vs. iShares MSCI Germany ETF (EWG)

Market Cap: EUR 656.52M
Dividend Yield: 1.07%
Average Volume (3M): ―
Price to Earnings (P/E): 10.7
Beta (1Y): 0.84
Revenue Growth: -1.45%
EPS Growth: 30.43%
Country: Germany
Employees: 93
Sector: Financial
Sector Strength: 68
Industry: Banks - Regional

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 savi...

Hingham Institution For Savings Peers Comparison

Overall Rating

UnderperformOutperform

Sector (68)

Financial Indicators

DE:HS3 against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
ACNB	79Outperform	$665.11M	12.09	13.13%	3.21%	14.85%	64.71%
NRIM	71Outperform	$530.54M	9.46	16.36%	2.73%	2.77%	-11.91%
Sector *	68Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
AVBC	67Neutral	$469.30M	15.99	7.14%	0.68%	―	―
WNEB	66Neutral	$280.04M	13.97	8.04%	2.00%	5.29%	52.20%
KRNY	63Neutral	$592.16M	15.46	4.84%	4.82%	1.22%	24.10%

* Financial Sector Average

Performance Comparison

DE:HS3 and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
DE:HS3	Hingham Institution For Savings	256.00	6.34	2.54%
ACNB	ACNB Corp.	65.40	21.77	49.89%
KRNY	Kearny Financial	9.12	3.06	50.50%
NRIM	Northrim	23.85	2.26	10.49%
WNEB	Western New England Bancorp	13.97	2.89	26.06%
AVBC	Avidia Bancorp, Inc.	23.50	8.25	54.12%

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.

Hingham Institution For Savings AI Stock Analysis