HIFS Fundamental Analysis - HINGHAM INSTITUTION FOR SVGS

Fundamental Rating

Overall HIFS gets a fundamental rating of 3 out of 10. We evaluated HIFS against 395 industry peers in the Banks industry. The financial health of HIFS is average, but there are quite some concerns on its profitability. HIFS does not seem to be growing, but still is valued expensively.

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1. Profitability

1.1 Basic Checks

HIFS had positive earnings in the past year.

HIFS had a positive operating cash flow in the past year.

HIFS had positive earnings in each of the past 5 years.

HIFS had a positive operating cash flow in each of the past 5 years.

1.2 Ratios

HIFS's Return On Assets of 0.63% is on the low side compared to the rest of the industry. HIFS is outperformed by 67.09% of its industry peers.

HIFS has a worse Return On Equity (6.53%) than 65.06% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.63%
ROE	6.53%
ROIC	N/A

ROA(3y)0.71%

ROA(5y)1.17%

ROE(3y)7.57%

ROE(5y)11.82%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

HIFS's Profit Margin of 42.81% is amongst the best of the industry. HIFS outperforms 97.72% of its industry peers.

HIFS's Profit Margin has declined in the last couple of years.

HIFS does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	42.81%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-9.25%

PM growth 5Y-3.59%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

HIFS does not have a ROIC to compare to the WACC, probably because it is not profitable.

The number of shares outstanding for HIFS has been increased compared to 1 year ago.

The number of shares outstanding for HIFS has been increased compared to 5 years ago.

HIFS has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.

2.2 Solvency

HIFS has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	0
Altman-Z	N/A

ROIC/WACCN/A

WACC6.17%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 14.77% over the past year.

Measured over the past years, HIFS shows a decrease in Earnings Per Share. The EPS has been decreasing by -6.38% on average per year.

The Revenue has grown by 11.31% in the past year. This is quite good.

HIFS shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -2.76% yearly.

EPS 1Y (TTM)14.77%

EPS 3Y-25.17%

EPS 5Y-6.38%

EPS Q2Q%3.41%

Revenue 1Y (TTM)11.31%

Revenue growth 3Y-17.62%

Revenue growth 5Y-2.76%

Sales Q2Q%14.72%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.

No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next YearN/A

Revenue Next 2YN/A

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.

No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.

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4. Valuation

4.1 Price/Earnings Ratio

HIFS is valuated rather expensively with a Price/Earnings ratio of 17.30.

Based on the Price/Earnings ratio, HIFS is valued a bit more expensive than the industry average as 76.46% of the companies are valued more cheaply.

HIFS's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.34.

		Industry Rank	Sector Rank
PE	17.3
Fwd PE	N/A

4.2 Price Multiples

84.30% of the companies in the same industry are cheaper than HIFS, based on the Price/Free Cash Flow ratio.

		Industry Rank	Sector Rank
P/FCF	41.55
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)N/A

EPS Next 2YN/A

EPS Next 3YN/A

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5. Dividend

5.1 Amount

HIFS has a Yearly Dividend Yield of 1.12%.

With a Dividend Yield of 1.12, HIFS pays less dividend than the industry average, which is at 3.61. 81.52% of the companies listed in the same industry pay a better dividend than HIFS!

Compared to an average S&P500 Dividend Yield of 2.44, HIFS's dividend is way lower than the S&P500 average.

		Industry Rank	Sector Rank
Dividend Yield	1.12%

5.2 History

The dividend of HIFS has a limited annual growth rate of 4.04%.

HIFS has paid a dividend for at least 10 years, which is a reliable track record.

Dividend Growth(5Y)4.04%

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

HIFS pays out 19.45% of its income as dividend. This is a sustainable payout ratio.

DP19.45%

EPS Next 2YN/A

EPS Next 3YN/A

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HINGHAM INSTITUTION FOR SVGS

NASDAQ:HIFS (6/20/2025, 8:00:02 PM)

After market: 224 0 (0%)

224

-1.45 (-0.64%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)04-10 2025-04-10

Earnings (Next)07-11 2025-07-11

Inst Owners58.86%

Inst Owner Change2.82%

Ins Owners8.82%

Ins Owner ChangeN/A

Market Cap488.32M

Analysts0

Price TargetN/A

Short Float %8.79%

Short Ratio3.09

Dividend

		Industry Rank	Sector Rank
Dividend Yield	1.12%

Yearly Dividend2.53

Dividend Growth(5Y)4.04%

DP19.45%

Div Incr Years0

Div Non Decr Years0

Ex-Date05-05 2025-05-05 (0.63)

Surprises & Revisions

EPS beat(2)N/A

Avg EPS beat(2)N/A

Min EPS beat(2)N/A

Max EPS beat(2)N/A

EPS beat(4)N/A

Avg EPS beat(4)N/A

Min EPS beat(4)N/A

Max EPS beat(4)N/A

EPS beat(8)N/A

Avg EPS beat(8)N/A

EPS beat(12)N/A

Avg EPS beat(12)N/A

EPS beat(16)N/A

Avg EPS beat(16)N/A

Revenue beat(2)N/A

Avg Revenue beat(2)N/A

Min Revenue beat(2)N/A

Max Revenue beat(2)N/A

Revenue beat(4)N/A

Avg Revenue beat(4)N/A

Min Revenue beat(4)N/A

Max Revenue beat(4)N/A

Revenue beat(8)N/A

Avg Revenue beat(8)N/A

Revenue beat(12)N/A

Avg Revenue beat(12)N/A

Revenue beat(16)N/A

Avg Revenue beat(16)N/A

PT rev (1m)N/A

PT rev (3m)N/A

EPS NQ rev (1m)N/A

EPS NQ rev (3m)N/A

EPS NY rev (1m)N/A

EPS NY rev (3m)N/A

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)N/A

Revenue NY rev (3m)N/A

Valuation

		Industry Rank	Sector Rank
PE	17.3
Fwd PE	N/A
P/S	7.42
P/FCF	41.55
P/OCF	41.06
P/B	1.13
P/tB	1.13
EV/EBITDA	N/A

EPS(TTM)12.95

EY5.78%

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)5.39

FCFY2.41%

OCF(TTM)5.46

OCFY2.44%

SpS30.21

BVpS198.05

TBVpS198.05

PEG (NY)N/A

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	0.63%
ROE	6.53%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	42.81%
GM	N/A
FCFM	17.85%

ROA(3y)0.71%

ROA(5y)1.17%

ROE(3y)7.57%

ROE(5y)11.82%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-9.25%

PM growth 5Y-3.59%

GM growth 3YN/A

GM growth 5YN/A

F-Score7

Asset Turnover0.01

Health

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	0
Debt/EBITDA	N/A
Cap/Depr	18.53%
Cap/Sales	0.21%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	41.69%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score7

WACC6.17%

ROIC/WACCN/A

Cap/Depr(3y)239.97%

Cap/Depr(5y)246.63%

Cap/Sales(3y)1.73%

Cap/Sales(5y)1.63%

Profit Quality(3y)84.6%

Profit Quality(5y)85.14%

High Growth Momentum

Growth

EPS 1Y (TTM)14.77%

EPS 3Y-25.17%

EPS 5Y-6.38%

EPS Q2Q%3.41%

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)11.31%

Revenue growth 3Y-17.62%

Revenue growth 5Y-2.76%

Sales Q2Q%14.72%

Revenue Next YearN/A

Revenue Next 2YN/A

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y-36.31%

FCF growth 3Y-41.06%

FCF growth 5Y-18.42%

OCF growth 1Y-39.79%

OCF growth 3Y-41.37%

OCF growth 5Y-18.55%

HINGHAM INSTITUTION FOR SVGS (HIFS) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens