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Company Analysis

Hingham Institution for Savings HIFS

A comprehensive view of key metrics, scores, and financial health for Hingham Institution for Savings

Overview of Hingham Institution for Savings

HIFS NGM
Financial Services Banks - Regional Small Cap
Hingham Institution for Savings (HIFS), is a Small Cap company, in the Banks - Regional industry, last closed at $268.42, about 19.2% overvalued vs fair value, +13.4% 1Y return, ranked 642/1004 in sector.
$268.42
-2.17%
As of March 13, 2026
Previous close • Vol 90d: 49.7%
52-Week Range
Market Cap
$609.96M
Enterprise Value
$1.71B
Overall Score
Scores locked

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Top Beats
No strong beats yet

Quick Facts

Website https://www.hinghamsavings.com
HQ Hingham, MA
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$120
$217
$406
Current: $268.42 -19% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$195.9M
12.4%%
Interest Expense
$132.4M
Net Interest Income
$44.4M
-8.1%%
Total Revenue
$236.8M
259.5%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
6.5%
Fair

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$160.8M
570.4% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
1/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Hingham Institution for Savings's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
37
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Developing
37
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Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing HIFS's balance between Growth (48.6%), Profitability (32.2%), and Safety (19.3%). Growth 49% Safety 19% Profitability 32%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

76th percentile vs peers
76
Key Signals
Rev Growth YoY 2.60 98p Revenue CAGR 3Y 40.5% 92p Asset Growth YoY 1.9% 32p
Strengths
  • Rev Growth Yoy in top 20% of peers (2.60, 98th percentile)
  • Revenue Cagr 3Y in top 20% of peers (40.5%, 92th percentile)
  • Growth above peer median with strong metric coverage (72%)
Risks

No significant risks identified for this axis.

Profitability

50th percentile vs peers
51
Key Signals
Strengths
Risks
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Safety

30th percentile vs peers
30
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Hingham Institution for Savings.

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
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Bear
-
- - -
- upside
-
Base
$216.86
- - -
-19.2% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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