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Financial Services - Banks - Regional - NASDAQ - US
$ 225.15
-2.95 %
$ 491 M
Market Cap
17.36
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Jun, 6, 2025.

The intrinsic value of one HIFS stock under the worst case scenario is HIDDEN Compared to the current market price of 225 USD, Hingham Institution for Savings is HIDDEN

This DCF valuation model was last updated on Jun, 6, 2025.

The intrinsic value of one HIFS stock under the base case scenario is HIDDEN Compared to the current market price of 225 USD, Hingham Institution for Savings is HIDDEN

This DCF valuation model was last updated on Jun, 6, 2025.

The intrinsic value of one HIFS stock under the best case scenario is HIDDEN Compared to the current market price of 225 USD, Hingham Institution for Savings is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart HIFS

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$290.0$290.0$280.0$280.0$270.0$270.0$260.0$260.0$250.0$250.0$240.0$240.0$230.0$230.0$220.0$220.0$210.0$210.015 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 AprMay '25May '2515 May15 MayJun '25Jun '25
FINANCIALS
65.9 M REVENUE
3.73%
37.3 M OPERATING INCOME
5.91%
28.2 M NET INCOME
6.90%
11.9 M OPERATING CASH FLOW
-39.79%
32.5 M INVESTING CASH FLOW
111.74%
-55 M FINANCING CASH FLOW
-21.38%
51.4 M REVENUE
131.15%
9.82 M OPERATING INCOME
-35.55%
11.4 M NET INCOME
94.58%
1.57 M OPERATING CASH FLOW
-57.53%
-16 M INVESTING CASH FLOW
-22.29%
-1.8 M FINANCING CASH FLOW
97.65%
Balance Sheet Hingham Institution for Savings
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Current Assets 352 M
Cash & Short-Term Investments 352 M
Receivables 8.77 M
Other Current Assets -8.77 M
Non-Current Assets 4.11 B
Long-Term Investments 120 M
PP&E 16.4 M
Other Non-Current Assets 3.97 B
7.89 %89.05 %Total Assets$4.5b
Current Liabilities 3.09 B
Accounts Payable 8.24 M
Short-Term Debt 687 M
Other Current Liabilities 2.4 B
Non-Current Liabilities 0
Long-Term Debt 810 M
Other Non-Current Liabilities -810 M
22.23 %77.51 %26.21 %Total Liabilities$3.1b
EFFICIENCY
Earnings Waterfall Hingham Institution for Savings
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Revenue 65.9 M
Cost Of Revenue 0
Gross Profit 65.9 M
Operating Expenses 65.9 M
Operating Income 37.3 M
Other Expenses 9.07 M
Net Income 28.2 M
70m70m60m60m50m50m40m40m30m30m20m20m10m10m0066m066m(66m)37m(9m)28mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
100.00% GROSS MARGIN
100.00%
56.59% OPERATING MARGIN
56.59%
42.81% NET MARGIN
42.81%
6.53% ROE
6.53%
0.63% ROA
0.63%
1.40% ROIC
1.40%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Hingham Institution for Savings
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60m60m50m50m40m40m30m30m20m20m10m10m0020162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 28.2 M
Depreciation & Amortization 750 K
Capital Expenditures -139 K
Stock-Based Compensation 173 K
Change in Working Capital -1.63 M
Others -20.4 M
Free Cash Flow 11.8 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Hingham Institution for Savings
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HIFS has no price targets from Wall Street.
4. DIVIDEND ANALYSIS
0.26% DIVIDEND YIELD
0.63 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
3.003.002.502.502.002.001.501.501.001.000.500.500.000.001.280.60.640.680.871.010.630.280.30.320.340.380.420.490.570.630.630.630.280.30.320.350.390.430.510.590.630.630.32.140.321.520.341.620.361.730.42.040.452.311.172.800.531.691.32.560.611.871.261.890.630.630.630.630.630.632015201520162016201720172018201820192019202020202021202120222022202320232024202420252025
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5. COMPETITION
slide 2 of 14
6. Ownership
Insider Ownership Hingham Institution for Savings
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Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
0 USD 0
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
Hingham Savings Reports First Quarter 2025 Results HINGHAM, Mass., April 11, 2025 (GLOBE NEWSWIRE) -- HINGHAM INSTITUTION FOR SAVINGS (NASDAQ: HIFS), Hingham, Massachusetts announced results for the quarter ended March 31, 2025. globenewswire.com - 2 months ago
Hingham Savings Reports 2024 Results HINGHAM, Mass., Jan. 17, 2025 (GLOBE NEWSWIRE) -- HINGHAM INSTITUTION FOR SAVINGS (NASDAQ: HIFS), Hingham, Massachusetts announced earnings for the fourth quarter and the year ended December 31, 2024. globenewswire.com - 5 months ago
Hingham Savings Declares Regular Dividend HINGHAM, Mass., Nov. 25, 2024 (GLOBE NEWSWIRE) -- HINGHAM INSTITUTION FOR SAVINGS (NASDAQ:HIFS) (“the Bank”), Hingham, Massachusetts, announced that its Board of Directors has declared a regular quarterly cash dividend of $0.63 per share.   The dividend will be paid on January 15, 2025 to stockholders of record as of January 6, 2025. globenewswire.com - 6 months ago
Hingham Savings Reports Third Quarter 2024 Results HINGHAM, Mass., Oct. 11, 2024 (GLOBE NEWSWIRE) -- HINGHAM INSTITUTION FOR SAVINGS (NASDAQ: HIFS), Hingham, Massachusetts announced results for the quarter ended September 30, 2024. globenewswire.com - 8 months ago
Hingham Savings Reports Second Quarter 2024 Results HINGHAM, Mass., July 12, 2024 (GLOBE NEWSWIRE) -- HINGHAM INSTITUTION FOR SAVINGS (NASDAQ: HIFS), Hingham, Massachusetts, announced results for the quarter ended June 30, 2024. globenewswire.com - 11 months ago
Hingham Institution For Savings: Why It's One Of My Favorite Banks In The U.S. Hingham Institution for Savings is one of my favorite financial institutions, defined by outstanding asset quality and a dedication to risk management. The bank has historically outperformed industry giants like Bank of America in terms of returns, NIM and NPAs. While profitability has declined in recent years, it is likely due to the tough macro environment rather than inherent weaknesses at HIFS. seekingalpha.com - 1 year ago
Hingham Savings Reports First Quarter 2024 Results HINGHAM, Mass., April 12, 2024 (GLOBE NEWSWIRE) -- HINGHAM INSTITUTION FOR SAVINGS (NASDAQ: HIFS), Hingham, Massachusetts announced results for the quarter ended March 31, 2024. globenewswire.com - 1 year ago
Hingham Savings Reports 2023 Results HINGHAM, Mass., Jan. 19, 2024 (GLOBE NEWSWIRE) -- HINGHAM INSTITUTION FOR SAVINGS (NASDAQ: HIFS), Hingham, Massachusetts announced earnings for the fourth quarter and the year ended December 31, 2023. globenewswire.com - 1 year ago
Hingham Savings Declares Regular Dividend HINGHAM, Mass., Nov. 20, 2023 (GLOBE NEWSWIRE) -- HINGHAM INSTITUTION FOR SAVINGS (NASDAQ:HIFS) (“the Bank”), Hingham, Massachusetts, announced that its Board of Directors has declared a regular quarterly cash dividend of $0.63 per share.   The dividend will be paid on January 10, 2024 to stockholders of record as of January 2, 2024. globenewswire.com - 1 year ago
Hingham Savings Reports Third Quarter 2023 Results HINGHAM, Mass., Oct. 13, 2023 (GLOBE NEWSWIRE) -- HINGHAM INSTITUTION FOR SAVINGS (NASDAQ: HIFS), Hingham, Massachusetts announced results for the quarter ended September 30, 2023. globenewswire.com - 1 year ago
Q4 Stock Predictions: 3 Small-Cap Stocks Set to Soar Mega-cap tech titans have been reaping economic rewards of 2023 while leaving most of the rest of the market behind. While a few growth firms see their shares continue to rally, several companies are struggling to tread water as the economy weakens amid inflation and rising interest rates. investorplace.com - 1 year ago
Hingham Institution For Savings: Strong Book Value Growth And Operational Performance Hingham Institution for Savings (HIFS) has struggled to grow its deposit base, resulting in added risk and a 10% short interest in its shares. HIFS has seen consistent growth in book value and dividend yields, with potential for further growth if deposits increase. HIFS has a strong business structure, with impressive commercial loan growth and an efficient ratio, but may face consolidation due to rising interest rates. seekingalpha.com - 1 year ago
8. Profile Summary

Hingham Institution for Savings HIFS

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 491 M
Dividend Yield 0.26%
Description 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.
Contact 55 Main Street, Hingham, MA, 02043 https://www.hinghamsavings.com
IPO Date Dec. 14, 1988
Employees 87
Officers Ms. Jacqueline M. Youngworth Clerk & Independent Director Kayla Gaspar Vice President of Marketing Mr. Shawn T. Sullivan Vice President of Commercial Lending Mr. Robert H. Gaughen Jr. Chairman & Chief Executive Officer Mr. Patrick Robert Gaughen President, Chief Operating Officer & Director Mr. Cristian A. Melej C.F.A. Vice President & Chief Financial Officer Mr. Daniel Bagley Vice President & Chief Information Officer Ms. Holly M. Cirignano Vice President & Chief of Staff Jeremy Martin Vice President & Chief Compliance Officer Ms. Eileen Trainor CPA Vice President & Treasurer