Hingham Institution For Savings (HIFS) AI Stock Analysis

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Hingham Institution For Savings

(NASDAQ:HIFS)

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Rating:68Neutral

Price Target:$324.00▲(7.78% Upside)

Action:downgraded

Date:11/10/26

The score is supported primarily by strong profitability, improving equity returns, positive cash conversion, and a favorable P/E ratio. Declining revenue, moderate leverage, softer recent cash generation, and largely neutral technical momentum limit the upside.

Positive Factors

Strong ProfitabilityHigh net and EBIT margins demonstrate strong current earnings power for the bank. If maintained, this profitability can support capital accumulation, absorb credit costs, and fund future lending while preserving flexibility across changing interest-rate and operating conditions.

Negative Factors

Meaningful LeverageAlthough leverage has improved, debt-to-equity remains meaningful and increases sensitivity to credit performance and funding conditions. A highly leveraged structure can constrain financial flexibility and make adverse changes in loan losses or funding costs more consequential.

Hingham Institution For Savings (HIFS) vs. SPDR S&P 500 ETF (SPY)

Market Cap: $655.43M
Dividend Yield: 1.07%
Average Volume (3M): 38.16K
Price to Earnings (P/E): 10.7
Beta (1Y): 1.05
Revenue Growth: 3.49%
EPS Growth: 35.78%
Country: US
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...

How the Company Makes Money

HIFS primarily makes money through net interest income: it takes in funds via customer deposits and other borrowings, pays interest (or other funding costs) on those liabilities, and earns interest on loans and interest-earning assets, with the sprea...

Hingham Institution For Savings Financial Statement Overview

Summary

Strong profitability and improving equity returns are offset by declining revenue, modestly lower cash generation, and still-elevated leverage. Cash conversion remains healthy.

Income Statement

75Positive

Balance Sheet

68Positive

Cash Flow

62Positive

Financial statement breakdown
Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	236.57M	236.76M	217.38M	190.52M	118.31M	123.46M
Gross Profit	114.34M	103.33M	65.53M	63.44M	80.91M	112.41M
EBITDA	82.54M	73.53M	37.27M	35.91M	54.81M	93.21M
Net Income	61.69M	54.55M	28.19M	26.37M	37.52M	67.46M
Balance Sheet
Total Assets	4.58B	4.54B	4.46B	4.48B	4.19B	3.43B
Cash, Cash Equivalents and Short-Term Investments	4.81M	6.68M	351.83M	362.48M	362.03M	271.16M
Total Debt	1.42B	1.46B	1.50B	1.69B	1.28B	665.00M
Total Liabilities	4.06B	4.06B	4.03B	4.08B	3.81B	3.08B
Stockholders Equity	519.12M	479.71M	431.75M	407.62M	385.97M	354.61M
Cash Flow
Free Cash Flow	34.02M	35.53M	11.75M	18.45M	53.33M	57.41M
Operating Cash Flow	34.33M	35.79M	11.89M	19.75M	55.85M	59.01M
Investing Cash Flow	-17.75M	-37.53M	32.48M	-276.58M	-685.28M	-527.34M
Financing Cash Flow	-10.33M	19.51M	-55.02M	257.27M	720.30M	505.50M

Hingham Institution For Savings Technical Analysis

Technical Analysis SentimentPositive

Last Price300.62

Price Trends

50DMA298.84Positive

100DMA297.52Positive

200DMA292.31Positive

Market Momentum

MACD2.63Positive

RSI49.50Neutral

STOCH30.04Neutral

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 300.62 is below the 20-day moving average (MA) of 302.44, above the 50-day MA of 298.84, and above the 200-day MA of 292.31, indicating a neutral trend. The MACD of 2.63 indicates Positive momentum. The RSI at 49.50 is Neutral, neither overbought nor oversold. The STOCH value of 30.04 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

Overall Rating

UnderperformOutperform

Sector (68)

Financial Indicators

HIFS against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
ACNB	81Outperform	$678.37M	12.34	13.13%	3.14%	14.87%	64.71%
NRIM	71Outperform	$534.99M	9.53	16.36%	2.70%	2.78%	-11.91%
HIFS	68Neutral	$667.59M	10.70	12.41%	1.07%	3.49%	35.78%
Sector *	68Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
AVBC	67Neutral	$452.53M	15.33	7.14%	0.71%	―	―
WNEB	65Neutral	$270.89M	13.54	8.04%	2.07%	5.29%	52.20%
KRNY	64Neutral	$601.90M	15.51	4.84%	4.81%	1.22%	24.10%

* Financial Sector Average

Performance Comparison

HIFS and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
HIFS	Hingham Institution For Savings	300.62	49.59	19.76%
ACNB	ACNB Corp.	66.92	22.80	51.67%
KRNY	Kearny Financial	9.15	3.20	53.76%
NRIM	Northrim	24.05	1.81	8.14%
WNEB	Western New England Bancorp	13.52	2.37	21.26%
AVBC	Avidia Bancorp, Inc.	22.58	7.76	52.35%

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.

Date of analysis: Nov 10, 2026

Hingham Institution For Savings AI Stock Analysis