HIFS

Hingham Institution

Fundamental data last updated:April 13, 2026

We may earn a commission from partner links. This content is for informational purposes only and is not financial advice. Information may be delayed or inaccurate.

company profile

SECTOR

Financial Services

industry

Banks - Regional

Exchange

Nasdaq

County of HQ

United States

Next Earnings Date

04/10/26

Business Summary

Hingham Institution operates as a traditional regional banking franchise, generating cash primarily through net interest income — capturing spreads between deposits and loan originations — supplemented by fee-based banking services. Its moat is relationship-driven and geographically concentrated, relying on localized trust, underwriting discipline, and conservative credit culture rather than scale dominance. The ability to convert deposits into higher-yielding loans efficiently underpins its 11.40% operating margin and 9.60% ROIC. However, this moat is narrow and vulnerable to funding cost volatility, credit cycles, and competitive rate pressure from larger, better-capitalized banks.

 


Analyze HIFS on TradingView

VALUATION

P/E

11.9

Market Cap ($M USD)

$640

Forward P/E

-

PEG

-

PRICE TO SALES

6.2

PRICE TO BOOK

1.3

EV / EBITDA

-

5-Year Average P/E

Free Cash Flow Yield

DCF Value

Graham Number

Price to FCF

EV to FCF

Earnings Yield

FCF Yield

DIVIDEND

Yield

0.90%

Annual Payout

$2.52

Payout Ratio

12.60%

Consecutive Years of Dividend Growth

1

5-Year Dividend Growth Rate

13.30%

Financial Health & Profitability

Earnings Per Share

$25.01

Next Year EPS Growth Estimate

-

Next Year Revenue Growth Estimate

-

Return on Equity (ROE)

11.40%

FREE CASH FLOW

Operating Margin

71.30%

Debt-to-Equity

3.1

Piotroski F-Score

6

Altman Z-Score

0.3

Return on Invested Capital (ROIC)

9.60%

Current Ratio

-

Quick Ratio

Net Debt to EBITDA

Interest Coverage

Gross Profit margin

FCF PER SHARE

REVENUE PER SHARE

Analyze HIFS on TradingView

Gainseekers Quantitative Analysis

Summary

At 11.9x earnings with a 1.3x price-to-book, HIFS screens optically cheap, but this is not a clean value story. The absence of a Forward P/E and PEG removes visibility into earnings durability, and the Altman Z-Score of 0.3 is outright distress-level territory, signaling balance sheet fragility beneath the surface. A 6.2x price-to-sales ratio is elevated for a regional bank, implying the earnings base may be thin relative to revenue. The market is not clearly mispricing this — it appears to be discounting real structural risk, and until forward earnings clarity improves, this remains statistically cheap but fundamentally suspect.

AI Exposure / Tech Reliance

As a regional bank in Financial Services, HIFS operates in a sector undergoing steady digital compression rather than explosive AI-driven disruption. Technology investments are defensive in nature — automation, underwriting analytics, and digital banking interfaces — aimed at protecting margin rather than expanding TAM. The firm’s 11.40% operating margin suggests moderate efficiency, but there is no evidence in the data of tech-driven operating leverage.

The Bull Case

A deep value or disciplined GARP investor could justify a position based on capital efficiency and balance between valuation and profitability. A 9.60% ROIC in a regional banking model is respectable, particularly when paired with a Piotroski F-Score of 6, which signals acceptable fundamental stability rather than deterioration. The 11.40% operating margin demonstrates the bank retains pricing discipline and cost control, and a 3.1% TTM yield adds tangible shareholder return while waiting for sentiment normalization. At 1.3x book and 11.9x earnings, the stock is not priced for perfection, and if EPS next year reaches the $25.01 estimate, upside could materialize through multiple expansion alone.

The Bear Case

The bear case is far more structural. A Debt/Equity ratio of 71.30% in combination with an Altman Z-Score of 0.3 is a flashing red signal for financial stress risk, particularly in a rate-sensitive regional bank model. The lack of Forward P/E, PEG, EPS, sales growth next year, ROE, institutional ownership, and price target data creates a visibility vacuum that sophisticated investors typically avoid. Short interest at 13.30% of float is elevated and suggests informed skepticism. This is not a clean cyclical discount — it may be a balance-sheet-constrained institution facing latent capital pressure.

Market Sentiment & Smart Money

Short Interest %

16.70%

Analyst Consensus

-

Average Analyst Price Target

-

Institutional Ownership %

66.20%

1-Year Beta

1.22

Insider Buying % (6 Mo)

5.30%%

Distance to 52-Week High

86.80%

Distance to 52-Week Low

139.80%

EARNINGS SURPRISE %

50-DAY SMA

200-DAY SMA

⚠️ Financial Disclaimer:
This content is for informational purposes only and is not financial advice. Information may be delayed or inaccurate. We may earn a commission from partner links.