Hingham Institution for Savings HIFS R2K

Financial Services · Banks - Regional · United States

https://www.hinghamsavings.com

Hingham Institution for Savings provides various financial services to individuals and small businesses in the United States. It offers savings, checking, money market, term certificate, demand, and negotiable order of withdrawal accounts, as well as certificates of deposit. The company provides commercial and residential owner-occupied real estate, construction, home equity, consumer, and commercial loans; and origination of loans. In addition, it offers ATMs, debit cards, and Internet-based banking services. Further, the company invests in short-term income investments, such as U.S. treasury debt securities, U.S. Government-sponsored enterprise debt securities, bank subordinated debt, and FDIC-insured certificates of deposit; and equity investments, corporate bonds, CRA investments, and federal home loan bank stock, as well as bank-owned life insurance. Hingham Institution for Savings was incorporated in 1834 and is headquartered in Hingham, Massachusetts.

Market & Price

Market Cap

$635.86M

Current Price

$289.39

High / Low (52W)

$332.64 / $219.33

Beta

0.85

Valuation

Stock P/E

12.69

Industry PE

12.01

Forward P/E

PEG Ratio

Book Value

$220.06

Price to Book

1.32

P/S

6.52

EV/EBITDA

Dividend Yield

0.87%

Profitability & Returns

ROCE

ROE

10.93%

ROA

1.11%

Profit Margin

51.56%

Op Margin

40.81%

EPS (Latest Qtr)

$1.29

EPS (TTM)

$22.80

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

$1.41B

Total Assets

$4.54B

Current Assets

Working Capital

Ownership

Promoter Holding

4.72%

Chg in Prom Hold

FII / Inst Holding

69.75%

Chg in FII Hold

0.00%

Financial Snapshot

Enterprise Value

$2.05B

Total Revenue (TTM)

$97.51M

EBITDA

Free Cash Flow

Operating Cash Flow

$37.43M

Shares Outstanding

2.20M

Gross Margin

0.00%

Payout Ratio

11.05%

Growth (CAGR)

Revenue 5Y

6.90%

Profit 5Y

13.29%

Revenue (YoY)

-30.50%

Earnings (YoY)

-60.20%

PROS

Excellent profit margin of 51.6%.
Profit CAGR of 13.3% over 5 years.

CONS

In a downtrend (50-DMA below 200-DMA).

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	HIFS Hingham Institution for Savings R2K	289.39	12.69	$635.86M	0.87%	-	10.93%	6.90%	13.29%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	-	17.59M	20.85M	30.90M	35.02M	12.52M
Cost of Revenue	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-
Interest Expense	-	-	33.79M	33.25M	33.57M	31.83M	29.68M
Pretax Income	-	-	9.81M	12.85M	23.11M	27.00M	4.19M
Tax Provision	-	-	2.69M	3.44M	5.82M	6.28M	1.34M
Net Income	-	-	7.12M	9.41M	17.30M	20.72M	2.85M
Diluted EPS	2.66	-	3.24	4.28	7.85	-	1.29

Profit & Loss (Annual)

Figures in USD.

Metric	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	-	85.42M	64.56M	65.85M	104.35M
Cost of Revenue	-	-	-	-	-
Gross Profit	-	-	-	-	-
Operating Expenses	-	-	-	-	-
Operating Income	-	-	-	-	-
EBITDA	-	-	-	-	-
Interest Expense	-	32.89M	125.96M	151.52M	132.43M
Pretax Income	-	54.31M	35.23M	36.52M	72.78M
Tax Provision	-	16.80M	8.86M	8.32M	18.23M
Net Income	-	37.52M	26.37M	28.19M	54.55M
Diluted EPS	-	17.04	12.02	12.85	24.76

Compounded Sales Growth

5 Years:	6.90%
1 Year:	-30.50%

Compounded Profit Growth

5 Years:	13.29%
1 Year:	-60.20%

Stock Price Performance

1 Year:	+20.81%
6 Months:	-1.04%
3 Months:	+3.91%
1 Month:	+2.06%

Balance Sheet (Annual)

Figures in USD.

Metric	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Assets	-	4.19B	4.48B	4.46B	4.54B
Current Assets	-	-	-	-	-
Cash & Equivalents	-	362.03M	362.48M	351.83M	369.61M
Inventory	-	-	-	-	-
Receivables	-	7.12M	8.55M	8.77M	9.21M
Total Liabilities	-	3.81B	4.08B	4.03B	4.06B
Current Liabilities	-	-	-	-	-
Long Term Debt	-	1.28B	1.69B	810.00M	797.25M
Total Debt	-	1.28B	1.69B	1.50B	1.46B
Total Equity	-	385.97M	407.62M	431.75M	479.71M
Shares Outstanding	-	2.15M	2.16M	2.18M	2.18M

Cash Flows (Annual)

Figures in USD.

Metric	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	-	55.85M	19.75M	11.89M	35.79M
Investing Cash Flow	-	-685.28M	-276.58M	32.48M	-37.53M
Financing Cash Flow	-	720.30M	257.27M	-55.02M	19.51M
Capital Expenditure	-	-2.53M	-1.30M	-139.00K	-266.00K
Free Cash Flow	-	53.33M	18.45M	11.75M	35.53M
Net Change in Cash	-	90.87M	444.00K	-10.65M	17.78M

Ratios (Annual)

Figures in %.

Metric	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Gross Margin %	-	-	-	-	-
Operating Margin %	-	-	-	-	-
Net Margin %	-	43.9%	40.8%	42.8%	52.3%
ROE %	-	9.7%	6.5%	6.5%	11.4%
ROCE %	-	-	-	-	-

Shareholding Pattern

Insiders

4.72%

Institutions

69.75%

Public Float

73.20%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Maren Capital LLC	9.83%	206.96K	$59.89M
2	Blackrock Inc.	6.80%	143.15K	$41.43M
3	Royce & Associates LP	5.62%	118.29K	$34.23M
4	Doma Perpetual Capital Management LLC	5.57%	117.35K	$33.96M
5	Schwartz Investment Counsel, Inc.	3.85%	81.09K	$23.47M
6	State Street Corporation	3.74%	78.70K	$22.77M
7	Vanguard Capital Management LLC	3.55%	74.72K	$21.62M
8	Dimensional Fund Advisors LP	2.73%	57.50K	$16.64M
9	Geode Capital Management, LLC	2.04%	42.99K	$12.44M
10	Hotchkis & Wiley Capital Management, LLC	1.99%	41.94K	$12.14M

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HIFS · Financial Services