HINGHAM INSTITUTION FOR SVGS (HIFS) Fundamental Analysis & Valuation

NASDAQ:HIFS • US4333231029

Current stock price

286.39 USD
+2.19 (+0.77%)
At close:
286.39 USD
0 (0%)
After Hours:

This HIFS fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. HIFS Profitability Analysis

1.1 Basic Checks

  • HIFS had positive earnings in the past year.
  • HIFS had a positive operating cash flow in the past year.
  • In the past 5 years HIFS has always been profitable.
  • HIFS had a positive operating cash flow in each of the past 5 years.
HIFS Yearly Net Income VS EBIT VS OCF VS FCFHIFS Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M

1.2 Ratios

  • With a decent Return On Assets value of 1.20%, HIFS is doing good in the industry, outperforming 75.27% of the companies in the same industry.
  • Looking at the Return On Equity, with a value of 11.37%, HIFS is in the better half of the industry, outperforming 72.61% of the companies in the same industry.
Industry RankSector Rank
ROA 1.2%
ROE 11.37%
ROIC N/A
ROA(3y)0.81%
ROA(5y)1.06%
ROE(3y)8.12%
ROE(5y)10.62%
ROIC(3y)N/A
ROIC(5y)N/A
HIFS Yearly ROA, ROE, ROICHIFS Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • HIFS's Profit Margin of 52.27% is amongst the best of the industry. HIFS outperforms 100.00% of its industry peers.
  • HIFS's Profit Margin has been stable 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 RankSector Rank
OM N/A
PM (TTM) 52.27%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y5.97%
PM growth 5Y-0.57%
GM growth 3YN/A
GM growth 5YN/A
HIFS Yearly Profit, Operating, Gross MarginsHIFS Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30 40 50

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4

2. HIFS Health Analysis

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 remains at a similar level 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.
HIFS Yearly Shares OutstandingHIFS Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500K 1M 1.5M 2M
HIFS Yearly Total Debt VS Total AssetsHIFS Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B

2.2 Solvency

  • There is no outstanding debt for HIFS. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACCN/A
WACC6.22%
HIFS Yearly LT Debt VS Equity VS FCFHIFS Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
HIFS Yearly Current Assets VS Current LiabilitesHIFS Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2M 4M 6M 8M 10M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. HIFS Growth Analysis

3.1 Past

  • HIFS shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 76.16%, which is quite impressive.
  • HIFS shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 1.24% yearly.
  • HIFS shows a strong growth in Revenue. In the last year, the Revenue has grown by 45.77%.
  • Measured over the past years, HIFS shows a small growth in Revenue. The Revenue has been growing by 2.03% on average per year.
EPS 1Y (TTM)76.16%
EPS 3Y13.27%
EPS 5Y1.24%
EPS Q2Q%-60.13%
Revenue 1Y (TTM)45.77%
Revenue growth 3Y6.9%
Revenue growth 5Y2.03%
Sales Q2Q%-28.83%

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.
HIFS Yearly Revenue VS EstimatesHIFS Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M

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1

4. HIFS Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 12.56 indicates a correct valuation of HIFS.
  • Compared to the rest of the industry, the Price/Earnings ratio of HIFS is on the same level as its industry peers.
  • Compared to an average S&P500 Price/Earnings ratio of 26.64, HIFS is valued rather cheaply.
Industry RankSector Rank
PE 12.56
Fwd PE N/A
HIFS Price Earnings VS Forward Price EarningsHIFS Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

  • 70.21% of the companies in the same industry are cheaper than HIFS, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 17.57
EV/EBITDA N/A
HIFS Per share dataHIFS EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 50 100 150 200

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)10.11
EPS Next 2YN/A
EPS Next 3YN/A

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3

5. HIFS Dividend Analysis

5.1 Amount

  • With a yearly dividend of 0.89%, HIFS is not a good candidate for dividend investing.
  • With a Dividend Yield of 0.89, HIFS pays less dividend than the industry average, which is at 2.57. 82.71% of the companies listed in the same industry pay a better dividend than HIFS!
  • With a Dividend Yield of 0.89, HIFS pays less dividend than the S&P500 average, which is at 1.82.
Industry RankSector Rank
Dividend Yield 0.89%

5.2 History

  • The dividend of HIFS has a limited annual growth rate of 1.38%.
  • HIFS has been paying a dividend for at least 10 years, so it has a reliable track record.
  • HIFS has decreased its dividend recently.
Dividend Growth(5Y)1.38%
Div Incr Years1
Div Non Decr Years1
HIFS Yearly Dividends per shareHIFS Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3

5.3 Sustainability

  • 10.07% of the earnings are spent on dividend by HIFS. This is a low number and sustainable payout ratio.
  • HIFS's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP10.07%
EPS Next 2YN/A
EPS Next 3YN/A
HIFS Yearly Income VS Free CF VS DividendHIFS Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M
HIFS Dividend Payout.HIFS Dividend Payout, showing the Payout Ratio.HIFS Dividend Payout.PayoutRetained Earnings

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HIFS Fundamentals: All Metrics, Ratios and Statistics

HINGHAM INSTITUTION FOR SVGS

NASDAQ:HIFS (5/1/2026, 8:00:02 PM)

After market: 286.39 0 (0%)

286.39

+2.19 (+0.77%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Industry Strength69.57
Industry Growth91.3
Earnings (Last)04-09
Earnings (Next)07-09
Inst Owners66.07%
Inst Owner Change0.07%
Ins Owners4.34%
Ins Owner ChangeN/A
Market Cap624.33M
Revenue(TTM)99.28M
Net Income(TTM)54.55M
Analysts0
Price TargetN/A
Short Float %15.65%
Short Ratio5.9
Dividend
Industry RankSector Rank
Dividend Yield 0.89%
Yearly Dividend2.52
Dividend Growth(5Y)1.38%
DP10.07%
Div Incr Years1
Div Non Decr Years1
Ex-Date01-05
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 RankSector Rank
PE 12.56
Fwd PE N/A
P/S 5.98
P/FCF 17.57
P/OCF 17.44
P/B 1.3
P/tB 1.3
EV/EBITDA N/A
EPS(TTM)22.81
EY7.96%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)16.3
FCFY5.69%
OCF(TTM)16.42
OCFY5.73%
SpS47.87
BVpS220.05
TBVpS220.05
PEG (NY)N/A
PEG (5Y)10.11
Graham Number336.058 (17.34%)
Profitability
Industry RankSector Rank
ROA 1.2%
ROE 11.37%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 52.27%
GM N/A
FCFM 34.04%
ROA(3y)0.81%
ROA(5y)1.06%
ROE(3y)8.12%
ROE(5y)10.62%
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
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y5.97%
PM growth 5Y-0.57%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA N/A
Cap/Depr 35.37%
Cap/Sales 0.25%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 65.12%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC6.22%
ROIC/WACCN/A
Cap/Depr(3y)81.18%
Cap/Depr(5y)209.99%
Cap/Sales(3y)0.83%
Cap/Sales(5y)1.36%
Profit Quality(3y)58.93%
Profit Quality(5y)80.81%
High Growth Momentum
Growth
EPS 1Y (TTM)76.16%
EPS 3Y13.27%
EPS 5Y1.24%
EPS Q2Q%-60.13%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)45.77%
Revenue growth 3Y6.9%
Revenue growth 5Y2.03%
Sales Q2Q%-28.83%
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 1Y202.25%
FCF growth 3Y-12.66%
FCF growth 5Y-4.21%
OCF growth 1Y200.95%
OCF growth 3Y-13.79%
OCF growth 5Y-4.72%

HINGHAM INSTITUTION FOR SVGS / HIFS Fundamental Analysis FAQ

What is the ChartMill fundamental rating of HINGHAM INSTITUTION FOR SVGS (HIFS) stock?

ChartMill assigns a fundamental rating of 3 / 10 to HIFS.


Can you provide the valuation status for HINGHAM INSTITUTION FOR SVGS?

ChartMill assigns a valuation rating of 1 / 10 to HINGHAM INSTITUTION FOR SVGS (HIFS). This can be considered as Overvalued.


What is the profitability of HIFS stock?

HINGHAM INSTITUTION FOR SVGS (HIFS) has a profitability rating of 4 / 10.


Can you provide the PE and PB ratios for HIFS stock?

The Price/Earnings (PE) ratio for HINGHAM INSTITUTION FOR SVGS (HIFS) is 12.56 and the Price/Book (PB) ratio is 1.3.


Can you provide the dividend sustainability for HIFS stock?

The dividend rating of HINGHAM INSTITUTION FOR SVGS (HIFS) is 3 / 10 and the dividend payout ratio is 10.07%.