303.965 USD
-6.11 (-1.97%)
303.965 USD
0 (0%)
We assign a fundamental rating of 3 out of 10 to HIFS. HIFS was compared to 383 industry peers in the Banks industry. HIFS has only an average score on both its financial health and profitability. HIFS is valued expensive and it does not seem to be growing.
1. Profitability
1.1 Basic Checks
- In the past year HIFS was profitable.
- In the past year HIFS had a positive cash flow from operations.
- 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 has a Return On Assets of 1.00%. This is comparable to the rest of the industry: HIFS outperforms 59.79% of its industry peers.
- HIFS has a better Return On Equity (9.79%) than 61.10% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1% | ||
| ROE | 9.79% | ||
| 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 has a Profit Margin of 49.38%. This is amongst the best in the industry. HIFS outperforms 99.74% 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) | 49.38% | ||
| 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
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.
- Compared to 5 years ago, HIFS has more shares outstanding
- 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
WACC6.27%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an impressive 94.47% over the past year.
- The Earnings Per Share has been decreasing by -6.36% on average over the past years.
- HIFS shows a strong growth in Revenue. In the last year, the Revenue has grown by 55.15%.
- Measured over the past years, HIFS shows a decrease in Revenue. The Revenue has been decreasing by -2.76% on average per year.
EPS 1Y (TTM)94.47%
EPS 3Y-25.16%
EPS 5Y-6.36%
EPS Q2Q%168.06%
Revenue 1Y (TTM)55.15%
Revenue growth 3Y-17.62%
Revenue growth 5Y-2.76%
Sales Q2Q%103.16%
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.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 14.81 indicates a correct valuation of HIFS.
- Based on the Price/Earnings ratio, HIFS is valued a bit more expensive than the industry average as 67.89% of the companies are valued more cheaply.
- Compared to an average S&P500 Price/Earnings ratio of 27.25, HIFS is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.81 | ||
| Fwd PE | N/A |
4.2 Price Multiples
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of HIFS indicates a slightly more expensive valuation: HIFS is more expensive than 74.41% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 22.42 | ||
| 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
5. Dividend
5.1 Amount
- With a yearly dividend of 0.80%, HIFS is not a good candidate for dividend investing.
- Compared to an average industry Dividend Yield of 2.64, HIFS's dividend is way lower than its industry peers. On top of this 82.51% of the companies listed in the same industry pay a better dividend than HIFS!
- Compared to an average S&P500 Dividend Yield of 1.82, HIFS's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.8% |
5.2 History
- The dividend of HIFS has a limited annual growth rate of 4.04%.
- HIFS has been paying a dividend for at least 10 years, so it has a reliable track record.
Dividend Growth(5Y)4.04%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
- 12.16% of the earnings are spent on dividend by HIFS. This is a low number and sustainable payout ratio.
DP12.16%
EPS Next 2YN/A
EPS Next 3YN/A
HINGHAM INSTITUTION FOR SVGS / HIFS FAQ
What is the ChartMill fundamental rating of HINGHAM INSTITUTION FOR SVGS (HIFS) stock?
ChartMill assigns a fundamental rating of 3 / 10 to HIFS.
What is the valuation status for HIFS stock?
ChartMill assigns a valuation rating of 1 / 10 to HINGHAM INSTITUTION FOR SVGS (HIFS). This can be considered as Overvalued.
How profitable is HINGHAM INSTITUTION FOR SVGS (HIFS) stock?
HINGHAM INSTITUTION FOR SVGS (HIFS) has a profitability rating of 4 / 10.
What is the valuation of HINGHAM INSTITUTION FOR SVGS based on its PE and PB ratios?
The Price/Earnings (PE) ratio for HINGHAM INSTITUTION FOR SVGS (HIFS) is 14.81 and the Price/Book (PB) ratio is 1.44.