HIFS Stock Analysis: Hingham Institution Savings | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 680m USD | 12M Return: 14% | US4333231029 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 14.8M
EPS Trend: 89.2%
Rev. Trend: 96.5%
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.6 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 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: 66.3m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.29 > 1.0 |
| NWC/Revenue: -265.7% < 20% (prev -976.0%; Δ 710.3% < -1%) |
| CFO/TA 0.01 > 3% & CFO 35.6m > Net Income 66.3m |
| Net Debt (1.40b) to EBITDA (88.5m): 15.82 < 3 |
| Current Ratio: 0.02 > 1.5 & < 3 |
| Outstanding Shares: last quarter (2.21m) vs 12m ago 0.59% < -2% |
| Gross Margin: 48.81% > 18% (prev 34.53%; Δ 14.29% > 0.5%) |
| Asset Turnover: 5.40% > 50% (prev 4.79%; Δ 0.61% > 0%) |
| Interest Coverage Ratio: 0.71 > 6 (EBIT TTM 87.7m / Interest Expense TTM 124.3m) |
| A: -0.14 (Total Current Assets 14.8m - Total Current Liabilities 666.8m) / Total Assets 4.56b |
| B: 0.11 (Retained Earnings 487.1m / Total Assets 4.56b) |
| C: 0.02 (EBIT TTM 87.7m / Avg Total Assets 4.55b) |
| D: 0.13 (Book Value of Equity 507.4m / Total Liabilities 4.05b) |
| Altman-Z'' = -0.33 = B |
| DSRI: 0.92 (Receivables 9.27m/8.96m, Revenue 245.4m/217.3m) |
| GMI: 0.71 (GM 34.53% / 48.81%) |
| AQI: 1.09 (AQ_t 0.99 / AQ_t-1 0.92) |
| SGI: 1.13 (Revenue 245.4m / 217.3m) |
| TATA: 0.01 (NI 66.3m - CFO 35.6m) / TA 4.56b) |
| Beneish M = -3.22 (Cap -4..+1) = AA |
As of August 22, 2026, the stock is trading at USD 297.42 with a total of 47,990 shares traded. Over the past week, the price has changed by -3.85%, over one month by +0.83%, over three months by +5.12% and over the past year by +13.96%.
Current recommended Stop Loss: 279.10 (which is 6.2% or 1.8 ATR below the current price).
Hingham Institution Savings has no consensus analysts rating.
P/E Trailing = 10.3007
P/E Forward = 10.627
P/S = 5.6863
P/B = 1.3394
Revenue TTM = 245.4m USD
EBIT TTM = 87.7m USD
EBITDA TTM = 88.5m USD
Long Term Debt = 1.41b USD (from longTermDebt, last quarter)
Short Term Debt = 666.6m USD (from shortTermDebt, last fiscal year)
Debt = 1.41b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 1.40b USD (calculated: Debt 1.41b - CCE 5.49m)
Enterprise Value = 2.08b USD (679.7m + Debt 1.41b - CCE 5.49m)
Interest Coverage Ratio = 0.71 (Ebit TTM 87.7m / Interest Expense TTM 124.3m)
EV/FCF = 58.82x (Enterprise Value 2.08b / FCF TTM 35.4m)
FCF Yield = 1.70% (FCF TTM 35.4m / Enterprise Value 2.08b)
FCF Margin = 14.41% (FCF TTM 35.4m / Revenue TTM 245.4m)
Net Margin = 27.02% (Net Income TTM 66.3m / Revenue TTM 245.4m)
Gross Margin = 48.81% ((Revenue TTM 245.4m - Cost of Revenue TTM 125.6m) / Revenue TTM)
Gross Margin QoQ = 58.64% (prev 28.35%)
Tobins Q-Ratio = 0.46 (Enterprise Value 2.08b / Total Assets 4.56b)
Interest Expense / Debt = 8.85% (Interest Expense 124.3m / Debt 1.41b)
Taxrate = 24.43% (21.4m / 87.7m)
NOPAT = 66.3m (EBIT 87.7m * (1 - 24.43%))
Current Ratio = 0.02 (Total Current Assets 14.8m / Total Current Liabilities 666.8m)
Debt / Equity = 2.77 (Debt 1.41b / totalStockholderEquity, last quarter 507.4m)
Debt / EBITDA = 15.82 (Net Debt 1.40b / EBITDA 88.5m)
Debt / FCF = 39.60 (Net Debt 1.40b / FCF TTM 35.4m)
Total Stockholder Equity = 482.9m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.46% (Net Income 66.3m / Total Assets 4.56b)
RoE = 13.73% (Net Income TTM 66.3m / Total Stockholder Equity 482.9m)
RoCE = 4.65% (EBIT 87.7m / Capital Employed (Equity 482.9m + L.T.Debt 1.41b))
RoIC = 1.46% (NOPAT 66.3m / Invested Capital 4.55b)
WACC = 7.64% (E(679.7m)/V(2.09b) * Re(9.60%) + D(1.41b)/V(2.09b) * Rd(8.85%) * (1-Tc(0.24)))
Discount Rate = 9.60% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 92.82 | Cagr: 0.42%
[DCF] Terminal Value 77.97% ; FCFF base≈30.0m ; Y1≈34.4m ; Y5≈50.7m
[DCF] Fair Price = N/A (negative equity: EV 762.2m - Net Debt 1.40b = -637.6m; debt exceeds intrinsic value)
EPS Correlation: 89.19 | EPS CAGR: 48.71% | SUE: N/A | # QB: 0
Revenue Correlation: 96.47 | Revenue CAGR: 9.99% | SUE: N/A | # QB: 0