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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 Framework: Banks & Lenders Small Cap
Hingham Institution for Savings (HIFS), is a Small Cap company, in the Banks - Regional industry, last closed at $294.10, about 26.3% overvalued vs fair value, +32.5% 1Y return, ranked 655/1037 in sector.
Metrics Rev Growth 259.5% ROE 12.0% Gross Margin 43.6%
USD 294.10
1.04%
(Delayed)
• Vol 90d: 37.3%
52-Week Range
Market Cap
$632.43M
Enterprise Value
$1.74B
Overall Score
View breakdown
Overall
Growth
Good
Profitability
Good
Health
Weak
Efficiency
Weak
Valuation
Fair
Growth
Good
Profitability
Good
Health
Weak
Efficiency
Weak
Valuation
Fair
Completeness: 82%
Confidence: 80%
Updated: Mar 8
Top Beats
No strong beats yet

Quick Facts

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

Next Events

Earnings Jul 17 Estimated

Fair Value Snapshot

Bear Base Bull
$120
$217
$406
Current: $294.10 -26% 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

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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
44
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
51
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

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

Banks (Regional & Diversified) vs Industry Peers 93% Coverage
Trade-Off Triangle Visualization A ternary plot showing HIFS's balance between Growth (30.1%), Profitability (20.4%), and Safety (49.5%). Growth 30% Safety 50% Profitability 20%

Click axes to expand details. Marker shows current allocation.

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Growth

34th percentile vs peers
34
Key Signals
Asset Growth YoY 1.9% 32p EPS Growth YoY 6.9% 53p Equity Growth YoY 5.9% 47p NII Growth YoY -8.1% 16p
Strengths
  • D/E Ratio in top 20% of peers (3.05, 92th percentile)
  • Debt/Assets in top 20% of peers (32.2%, 91th percentile)
  • Conservative leverage compared to industry peers
Risks
  • NII Growth YoY in bottom 20% of peers (-8.1%)
  • Growth below peer median (percentile: 34)

Profitability

23th percentile vs peers
23
Key Signals
Strengths
Risks
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Safety

56th percentile vs peers
56
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
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Bear
-
- - -
- upside
-
Base
$216.86
- - -
-26.3% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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