Hingham Institution for Savings (HIFS) AI Stock Analysis

Established in 1834 and headquartered in Hingham, Massachusetts, Hingham Institution for Savings provides financial products and services to individuals and businesses. Its deposit offerings include savings, checking, money market, demand deposit, certificates of deposit, and negotiable order of withdrawal accounts. The bank extends lending products including commercial real estate loans, residential mortgages, construction loans, home equity loans, commercial loans, and consumer loans. It operates across six offices in Boston and eastern Massachusetts, while maintaining commercial lenders and relationship managers in Washington. The bank also provides ATMs, debit cards, and Internet-based banking services.

Hingham Institution for Savings grew revenue from $123.5M in FY2021 to $236.8M in FY2025, reflecting a 5-year revenue CAGR of 15.5%. Net income shifted from $67.5M in FY2021 down to $26.4M in FY2023, before rebounding to $54.6M in FY2025. Operating margin was 75.1% in FY2021, fell to 16.8% in FY2024, and recovered to 30.7% in FY2025. For the trailing twelve months, revenue was $114.6M with an operating margin of 71.6% and diluted EPS of $30.04. In the latest quarter ended September 30, 2026, quarterly revenue fell 16.2% year-over-year, while quarterly earnings dropped 27.1% compared to the prior-year period.

As of September 30, 2026, the bank held $4.8M in cash and short-term investments against total debt of $1.42B, resulting in net debt of $1.41B. Shareholders' equity stood at $519.1M, yielding a debt-to-equity ratio of 2.73 alongside total assets of $4.58B. During FY2025, operating cash flow reached $35.8M and free cash flow was $35.5M after capital expenditures of $266,000. Capital returns that year included $5.5M in dividends paid, while the bank's share count increased 0.5% over five years.

HIFS has a market cap of $644.8M and an enterprise value of $2.06B. The stock trades at a trailing P/E of 9.8x and a forward P/E of 10.6x, compared to the median of its US-listed Financial Services peers of 12.1x trailing and 10.8x forward. Its price-to-sales ratio is 5.6x, above the peer median of 3.2x, while price-to-book is 1.3x. Over the past year, HIFS delivered a 17.1% return, closely tracking the 16.8% return for the S&P 500 (SPY). Over five years, HIFS declined 13.2%, trailing the S&P 500 return of 83.0%.

HIFS pays an annual forward dividend of $2.52 per share, representing a dividend yield of 0.86% and a payout ratio of 11.8%. The bank has paid quarterly dividends for 33 consecutive years. Its 5-year annualized dividend growth declined 6.3%, and the most recent ex-dividend date occurred on August 3, 2026.

Analyst ratings, consensus price targets, earnings track record data, and forward estimates are not provided for Hingham Institution for Savings in the available report. The stock last closed at $293.48 on October 16, 2026, positioning it 0.6% above its 200-day average. Its 52-week trading range extends from a low of $249.58 to a high of $338.00. Institutional investors hold 72.1% of the shares, while short interest represents 16.2% of the float.

This page is an AI-written research summary of Hingham Institution for Savings (HIFS). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

Related: HIFS income statement, HIFS balance sheet, HIFS key metrics, HIFS chart. See the HIFS stock overview for the latest quote and news.