Hingham Institution for Savings
HIFS · Price history
Price at last available close
$302.42
+$11.56 (+3.97%) 1M
2026-10-28
Tap or drag sideways to inspect a price. Use two fingers to compare automatically. Release to scroll. Use Shift + arrow keys to compare with a keyboard.
Company & revenue
About Hingham Institution for Savings
Primary reporting period: 2025-12-31 · Research updated Oct 12, 2026. A research update is not a new financial filing.
Who they are
Hingham Institution for Savings is a financial services provider that offers a diverse array of banking solutions to both individual consumers and corporate entities throughout the U. S. Its comprehensive selection of deposit accounts encompasses savings, checking, money market, demand deposit, and negotiable order of withdrawal (NOW) options, alongside certificates of deposit (CDs).
How they make money
Hingham Institution for Savings operates a business model focused on the efficient transformation of maturity, utilizing deposits and borrowings to fund a loan portfolio primarily composed of real estate loans secured by multifamily properties. The bank aims to generate superior returns on equity capital through a disciplined strategy that combines this commercial real estate lending business with a relationship-focused deposit business serving families, nonprofits, real estate investors, and institutions.
Products & services
The bank provides personal and business banking solutions, including savings accounts, checking accounts, money market accounts, and commercial real estate lending services.
Brands & revenue mix
The primary brand under which the bank conducts its financial services.
Separate brand revenue is not available in this research.Source
Revenue share is not unit sales or a best-seller ranking. Parent brands and included sub-brands can overlap; do not add overlapping rows.
Product / operating segments
No reconciled product or operating-segment revenue breakdown is available for the current research period. Company-wide revenue remains separate from segment disclosure.
Geographic revenue
No reconciled geographic revenue breakdown was confirmed for the current research period.
Customer concentration
No quantified customer-concentration disclosure is available in the current saved research.
Suppliers, materials & equipment
No supplier relationships were confirmed in the sources reviewed. This does not mean the company has no suppliers.
Strengths
- Structural operating efficiencySource
Sources
Wall Street Score
Overall investment score · Quality, value, risk and opportunity
53
Fair
View category scores →
Company Quality
How good is the actual business—regardless of today’s stock price?
47
Weak
Financial Strength
44
Business Quality / Moat
67
Management
32
Growth Quality
34
Risk / Durability
59
Uses financial strength, moat, management, growth quality and durability. It excludes share price, P/E, market cap, intrinsic value and margin of safety.
Opportunity
Opportunity Score · How does the current price compare with estimated value?
80
Attractive
Based on current valuation, company quality, recent trends, and available market signals.
View score details →
Model Outlook
12-month model · What does the model think happens next?
72/100
Building Historical Record
Model Score 72/100 — estimates relative performance potential, distinct from the overall Wall Street Score and the separate Company Quality score.
Probability unavailable — the model has not produced a calibrated probability yet.
Click for full breakdown →
WSS View
The quick read
The overall Wall Street Score is mixed across its combined quality, valuation and risk inputs. Review the category scores to identify what is helping or hurting the result.
At today’s price, the WSS valuation framework currently reads as relatively attractive.
The model outlook is currently positive.
- •Valuation scores attractively
- •Elevated debt risk
- •Revenue fundamentals are weak
- •Debt / balance-sheet profile needs attention
Company-specific research
Questions worth answering for HIFS
These questions are generated from this company's current financial and score data so the page adds context instead of treating the headline score as a stand-alone conclusion.
- •Can HIFS maintain its current revenue growth rate and improve the amount of that revenue that turns into earnings and cash?
- •Is HIFS's positive free cash flow repeatable, or is the current level being helped by temporary working-capital or spending changes?
- •Is HIFS's debt load manageable relative to cash generation, interest costs and upcoming maturities?
- •Is HIFS's valuation discount tied to a temporary concern or to a longer-term business risk?
Essential Investment Snapshot
Wall Street Score
53
Opportunity Score
80
Market Cap
$659.4M
P/E Ratio
9.7
EPS
$30.31
52-Week High
$338.00
52-Week Low
$248.53
Beta
0.86
Intrinsic Value
$1166.94
Shares Outstanding
2.2M
Total Revenue
$245.4M
Total Debt
$1.41B
Dividend Yield (TTM)
1.06%
Liquidation Value / Share
$229.91
Dividend / Share (TTM)
$3.22
Momentum & Volatility Signals
Two different market-behavior signals. Momentum measures direction and trend strength. Volatility measures how large and unstable the price moves are, regardless of direction.
Neutral / mixed momentum
Low movement
A high momentum score means price has been trending upward with confirming short- and medium-term strength. A low score means downward or weakening momentum.
A high volatility score means larger, less stable price swings. It can happen while a stock is rising or falling, so high volatility is not automatically bullish or bearish.
Important: the volatility score above is based on realized price volatility. Implied volatility (IV) comes from options prices and represents the market's expected future movement. Wall Street Score will keep IV separate and will only display it when a verified options-chain feed is available.
Notices for HIFS
Detected from reported data — verify before acting.Dividend history reported
Dividend payments are recorded. Review the dates and regular/special classification below; past payments do not guarantee future dividends.
Elevated debt risk
Total debt is at least one year of revenue • Interest coverage is below 2x • Cash covers less than 20% of total debt
Community Sentiment
0 active · 0 total callsNo personal call yet on HIFS.
Potential upside factors
- +Growth opportunities may come from revenue expansion, margin improvement, new products, market-share gains, and stronger cash flow.
- +Structural operating efficiency.
- +Positive free cash flow may provide capacity to invest in growth.
Potential downside factors
- −Debt risk (elevated): Total debt is at least one year of revenue.
- −Interest coverage is below 2x.
- −Cash covers less than 20% of total debt.
These research factors come from saved company research and financial data, not community votes. They are starting points to verify against filings, not buy or sell recommendations.
Create a free account to make a call.
Scores
Click any score for full breakdownWas this stock page easy to understand?
One click helps us improve the research experience. This is not tied to an investment decision.
Score Changes
5 historical score records availablePrevious Score
54
Oct 1, 2026
Change
-0.6
points
Current Score
53
Oct 16, 2026
Category Changes
HIFS decreased 0.6 points because some fundamentals weakened.
Projected Score
Projected Score
58
Projected Change
+5.0 points
Preliminary comparable-period financial changes suggest improvement of approximately 5.0 points. This is a projected estimate, not the official WallStreetScore.
Price vs. Value
Review model assumptionsThis model estimate is more than three times the share price.
This is a formula-based estimate, not a verified fair value or price target. Check the earnings and growth assumptions.
Stored EPS: $30.31 · Growth assumption: 11.5% · Earnings multiplier: 31.5×.
Current Price
$302.42
Model Intrinsic Value
$1166.94
Difference
−$864.52
-74.1% vs IV
Margin of Safety
74.1%
Financial Charts
Revenue
Additional Metrics
Operating Cash Flow
Total Debt
Total Assets
Net Margin %
Free includes 3 annual periods plus available TTM; Premium includes up to 10 annual periods. History depends on available company filings. Swipe the table horizontally to see older periods. A dash means unavailable, not zero.
| Line Item | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $245.4M | $236.8M | $217.4M | $190.5M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Cost of Revenue | $125.6M | $133.5M | $151.8M | $127.1M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Gross Profit | $119.8M | $103.3M | $65.5M | $63.4M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Research & Development | $0.00 | $0.00 | $0.00 | $0.00 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| SG&A Expenses | $23.8M | $26.3M | $24.3M | $23.8M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Expenses | $32.1M | $30.5M | $29.0M | $28.2M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| EBITDA | $88.5M | $73.5M | $37.3M | $35.9M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Income | $87.7M | $72.8M | $36.5M | $35.2M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Interest Expense | $124.3M | $132.4M | $151.5M | $126.0M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Before Tax | $87.7M | $72.8M | $36.5M | $35.2M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Tax Expense | $21.4M | $18.2M | $8.3M | $8.9M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Net Income | $66.3M | $54.6M | $28.2M | $26.4M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic EPS | $30.31 | $25.01 | $12.95 | $12.26 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic Shares | 2.20M | 2.18M | 2.18M | 2.15M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Diluted Shares | 2.21M | 2.21M | 2.19M | 2.19M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
Earnings Summary
Revenue
$72.0M
Estimate unavailable.
Revenue Beat/Miss
Not available (no estimate stored)
EPS
$11.49
Estimate unavailable.
EPS Beat/Miss
Not available (no estimate stored)
Debt Change
-10.6%
Cash Change
-98.5%
Margin Change
+17.9 pp
Debt and cash show percentage changes versus the comparison period; margin shows the change in percentage points (pp). These are company-wide changes, not per-share amounts.
Financial Changes Since Prior Period
What Improved
- Margins expanded
- Debt reduced
What Weakened
- Cash position declined
Potential Score Impact
Positive indicators included revenue growth, EPS growth, debt levels, net income margin. Pressure indicators included cash levels. These factors may support or pressure the Revenue, Management, Financial, and Debt categories; this summary does not claim that the stored scores changed.
Stored Earnings Analysis
Revenue increased 33.1%. EPS increased 168.5%. Cash declined 98.5%. Total debt declined 10.6%. Net income margin improved by 17.9 percentage points.
Earnings-Call Transcript
Earnings-call transcript analysis is not currently available.
These results may influence future scores when the next evaluation is completed.
Insider Activity
Guru / Smart Money
Guru Score
Smart Money
Number of Gurus
Total Guru Value
Avg Portfolio Weight
Largest Holder
Largest Holder %
New Positions
Increased Positions
Reduced Positions
Exited Positions
Net Guru Sentiment
Short Interest
Dividend History
Log in to view dividend history.
Conservative Projected Values
3 Years
$———.——
5 Years
$———.——
10 Years
$———.——
Conservative Projection Rate
——%
Conservative Projected Values — price projections derived from actual 10-year adjusted historical returns, conservatively adjusted and capped at 8% annually. These are distinct from the Outperformance Model Score and WallStreetScore.
Conservative Projected Values
Premium unlocks the 3-year, 5-year, and 10-year conservative projected values with full calculation breakdowns based on actual historical returns.
Start 7-Day Free TrialHistorical Outperformance Record
Premium includes stored forecasts and any available evaluated results. Completed results, win rates and calibrated probabilities are shown only when supported records exist; access does not create historical outcomes.
Start 7-Day Free TrialHistorical Trends
5 historical recordsHistorical Score Chart
3 of 5 records shownWall Street Score
Debt Score
Revenue Score
Asset Score
Capital Score
Management Score
Moat Score
Valuation Score
Buffett Score
Intrinsic Value
Value Reference
Margin of Safety %
Related Companies
Banks - RegionalNews
Hingham Reports Third Quarter 2026 Results
Head-To-Head Review: Hingham Institution for Savings (NASDAQ:HIFS) vs. Wells Fargo & Company (NYSE:WFC)
Hingham Institution for Savings: The Equity Portfolio Is Not Talked About Enough
Hingham Institution for Savings (NASDAQ:HIFS) Stock Crosses Above Two Hundred Day Moving Average – Time to Sell?
Rumor Mill · HIFS
Corporate developments & opportunities
No reviewed developments match this filter.
Evidence credibility is not a forecast of stock performance. Rumor Mill is separate from the WSS score.
Related Stock Research
Continue researching this company with related Wall Street Score rankings and investing guides.
Score Alerts
Premium unlocks alerts when a score rises, falls, or reaches your target price.
Start 7-Day Free TrialPortfolio Score
Premium unlocks portfolio scoring, strongest and weakest holdings, and overall margin of safety.
Start 7-Day Free Trial