HIFS Stock Analysis: Hingham Institution Savings | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 654m USD | 12M Return: 9.6% | US4333231029 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 9.43M
EPS Trend: 93.3%
Rev. Trend: 95.6%
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Seasonality 11.8 years of data, until 10/2026
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, ≥40 worth a closer look and ≥60 is strong.
Hingham Institution for Savings (NASDAQ: HIFS) is a Massachusetts-headquartered community bank that provides a range of consumer and small business financial services, including deposit products (checking, savings, money market, NOW accounts, and certificates of deposit) and a lending portfolio centered on commercial and residential real estate, construction, home equity, consumer, and commercial loans. The company also offers ATMs, debit cards, and online banking, while investing primarily in U.S. Treasury and government-sponsored enterprise debt, bank subordinated debt, FDIC-insured CDs, corporate bonds, and Federal Home Loan Bank stock. Founded in 1834 and based in Hingham, Massachusetts, HIFS operates as a small-cap regional bank within the GICS Financials sector.
As a community-focused regional bank, HIFS follows a traditional spread-based business model that relies on gathering local deposits and originating primarily real-estate-secured loans, which is characteristic of New England thrift and community banking franchises. Its investment securities portfolio, heavy in U.S. government and GSE-related debt alongside FHLB stock, reflects a conservative liquidity and capital management approach typical of smaller, relationship-driven institutions in the regional banking sub-industry.
- Net interest margin compresses as Fed cuts rates
- Commercial real estate loan concentration raises credit risk
- Deposit competition pressures funding costs
| Net Income: 61.7m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.09 > 1.0 |
| NWC/Revenue: -275.8% < 20% (prev -936.8%; Δ 661.0% < -1%) |
| CFO/TA 0.01 > 3% & CFO 34.3m > Net Income 61.7m |
| Net Debt (1.41b) to EBITDA (82.7m): 17.05 < 3 |
| Current Ratio: 0.02 > 1.5 & < 3 |
| Outstanding Shares: last quarter (2.22m) vs 12m ago 0.54% < -2% |
| Gross Margin: 48.33% > 18% (prev 39.59%; Δ 8.75% > 0.5%) |
| Asset Turnover: 5.19% > 50% (prev 5.05%; Δ 0.15% > 0%) |
| Interest Coverage Ratio: 0.68 > 6 (EBIT TTM 82.0m / Interest Expense TTM 120.5m) |
| A: -0.14 (Total Current Assets 14.4m - Total Current Liabilities 666.8m) / Total Assets 4.58b |
| B: 0.11 (Retained Earnings 498.3m / Total Assets 4.58b) |
| C: 0.02 (EBIT TTM 82.0m / Avg Total Assets 4.56b) |
| D: 0.13 (Book Value of Equity 519.1m / Total Liabilities 4.06b) |
| Altman-Z'' = -0.32 = B |
| DSRI: 1.04 (Receivables 9.57m/8.86m, Revenue 236.6m/228.6m) |
| GMI: 0.82 (GM 39.59% / 48.33%) |
| AQI: 1.09 (AQ_t 0.99 / AQ_t-1 0.92) |
| SGI: 1.03 (Revenue 236.6m / 228.6m) |
| TATA: 0.01 (NI 61.7m - CFO 34.3m) / TA 4.58b) |
| Beneish M = -3.08 (Cap -4..+1) = AA |
As of November 12, 2026, the stock is trading at USD 306.20 with a total of 17,243 shares traded. Over the past week, the price has changed by -4.36%, over one month by +4.92%, over three months by -1.50% and over the past year by +9.63%.
Current recommended Stop Loss: 283.30 (which is 7.5% or 2.3 ATR below the current price).
Hingham Institution Savings has no consensus analysts rating.
P/E Trailing = 10.643
P/E Forward = 10.627
P/S = 5.7104
P/B = 1.2587
Revenue TTM = 236.6m USD
EBIT TTM = 82.0m USD
EBITDA TTM = 82.7m USD
Long Term Debt = 1.42b USD (from longTermDebt, last quarter)
Short Term Debt = 666.6m USD (from shortTermDebt, last fiscal year)
Debt = 1.42b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 1.41b USD (calculated: Debt 1.42b - CCE 4.81m)
Enterprise Value = 2.06b USD (654.2m + Debt 1.42b - CCE 4.81m)
Interest Coverage Ratio = 0.68 (Ebit TTM 82.0m / Interest Expense TTM 120.5m)
EV/FCF = 60.70x (Enterprise Value 2.06b / FCF TTM 34.0m)
FCF Yield = 1.65% (FCF TTM 34.0m / Enterprise Value 2.06b)
FCF Margin = 14.38% (FCF TTM 34.0m / Revenue TTM 236.6m)
Net Margin = 26.08% (Net Income TTM 61.7m / Revenue TTM 236.6m)
Gross Margin = 48.33% ((Revenue TTM 236.6m - Cost of Revenue TTM 122.2m) / Revenue TTM)
Gross Margin QoQ = 45.26% (prev 58.64%)
Tobins Q-Ratio = 0.45 (Enterprise Value 2.06b / Total Assets 4.58b)
Interest Expense / Debt = 8.52% (Interest Expense 120.5m / Debt 1.42b)
Taxrate = 24.75% (20.3m / 82.0m)
NOPAT = 61.7m (EBIT 82.0m * (1 - 24.75%))
Current Ratio = 0.02 (Total Current Assets 14.4m / Total Current Liabilities 666.8m)
Debt / Equity = 2.73 (Debt 1.42b / totalStockholderEquity, last quarter 519.1m)
Debt / EBITDA = 17.05 (Net Debt 1.41b / EBITDA 82.7m)
Debt / FCF = 41.47 (Net Debt 1.41b / FCF TTM 34.0m)
Total Stockholder Equity = 497.2m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.35% (Net Income 61.7m / Total Assets 4.58b)
RoE = 12.41% (Net Income TTM 61.7m / Total Stockholder Equity 497.2m)
RoCE = 4.29% (EBIT 82.0m / Capital Employed (Equity 497.2m + L.T.Debt 1.42b))
RoIC = 1.35% (NOPAT 61.7m / Invested Capital 4.58b)
WACC = 7.14% (E(654.2m)/V(2.07b) * Re(8.73%) + D(1.42b)/V(2.07b) * Rd(8.52%) * (1-Tc(0.25)))
Discount Rate = 8.73% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 94.17 | Cagr: 0.61%
[DCF] Terminal Value 77.97% ; FCFF base≈32.2m ; Y1≈36.9m ; Y5≈54.4m
[DCF] Fair Price = N/A (negative equity: EV 818.3m - Net Debt 1.41b = -592.3m; debt exceeds intrinsic value)
EPS Correlation: 93.35 | EPS CAGR: 53.50% | SUE: N/A | # QB: 0
Revenue Correlation: 95.57 | Revenue CAGR: 8.36% | SUE: N/A | # QB: 0