$287.69
-3.9%Hingham Institution for Savings provides various financial products and services to individuals and businesses in the United States. It offers savings, checking, money market, demand deposit, and negotiable order of withdrawal accounts, as well as certificates of deposit. The company also provides commercial and residential real estate, construction, home equity, commercial, and consumer loans. In addition, it offers ATMs, debit cards, and Internet-based banking services. The company offers its services through a network of six offices in Boston and eastern Massachusetts; and commercial lenders and relationship managers in Washington. Hingham Institution for Savings was incorporated in 1834 and is headquartered in Hingham, Massachusetts.
Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation
Base year metrics used for projections
Forecast period and terminal assumptions
Calculation flow from present value to intrinsic value per share
Operating Cash Flow - Maintenance CapEx = Owner Earnings
| Metric | Year 1 | Year 2 | Year 3 | Year 4 | Year 5 | Year 6 | Year 7 | Year 8 | Year 9 | Year 10 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $71.6M | $143.2M | $286.3M | $572.7M | $1.1B | $2.3B | $4.6B | $9.2B | $18.3B | $36.7B |
| Maintenance CapEx | -$106.4K | -$212.8K | -$425.6K | -$851.2K | -$1.7M | -$3.4M | -$6.8M | -$13.6M | -$27.2M | -$54.5M |
| Owner Earnings | $71.5M | $143.0M | $285.9M | $571.8M | $1.1B | $2.3B | $4.6B | $9.1B | $18.3B | $36.6B |
| Discount Factor | 0.926 | 0.857 | 0.794 | 0.735 | 0.681 | 0.630 | 0.583 | 0.540 | 0.500 | 0.463 |
| Present Value | $66.2M | $122.6M | $227.0M | $420.3M | $778.3M | $1.4B | $2.7B | $4.9B | $9.2B | $17.0B |
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