Hingham Institution for Savings(HIFS)Earnings, Financials & Key Ratios
HIFS•NASDAQ•Banking & Credit
$302.39
12.2× P/E·Price updated Jul 6, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial real estate and multifamily lenders
AboutHingham 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.Show more
- Net Interest Income$74M+67.7%
- Total Revenue$237M+8.9%
- Net Income$55M+93.5%
- Return on Equity11.97%+78.2%
- Net Interest Margin1.64%+64.5%
- Efficiency Ratio12.9%-3.3%
- ROA1.21%+92.3%
- Equity / Assets10.56%+9.0%
- Book Value per Share217.36+10.5%
HIFS Price & Volume
Hingham Institution for Savings (HIFS) stock price & volume — 10-year historical chart
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Margin Compression Masks Structural Operational Efficiency Gains
Investment Thesis • Updated 2026Q1
VerdictNegative
Growth:Mixed
Profitability:Strained
Financial:Vulnerable
Cash Flow:Mixed
Primary Risk:CRE concentration and funding
Key Thesis Takeaways
- Hingham Institution for Savings faces a challenging outlook as its 0.5% net interest margin and $9.7 million negative non-interest income in 2026Q1 highlight significant earnings volatility.
- While the bank maintains a lean 18.4% efficiency ratio, its heavy reliance on a $4.5 billion securities portfolio and thin 0.11 equity-to-assets ratio creates substantial exposure to interest rate and credit risks.
- Investors should monitor whether the bank can stabilize its capital generation, which currently struggles with inconsistent quarterly net income, before committing to the current $308.40 share price.
Verdict Logic
the bank's high forward P/E of 21.96 and significant earnings volatility, highlighted by a 60.2% decline in EPS growth in 2026Q1, suggest that the current valuation does not adequately reflect the underlying balance sheet risks.
HIFS Growth Metrics
Hingham Institution for Savings (HIFS) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years14.09%
5 Years15.47%
3 Years26.02%
TTM-
Profit CAGR
10 Years10.92%
5 Years1.45%
3 Years13.29%
TTM76.74%
EPS CAGR
10 Years10.63%
5 Years1.26%
3 Years13.26%
TTM76%
Return on Capital
10 Years5.56%
5 Years4.28%
3 Years2.28%
Last Year2.83%
HIFS Recent Earnings
Hingham Institution for Savings (HIFS) EPS & revenue vs analyst estimates — last 4 quarters
Q2 2026Latest
Apr 17, 2026Metric
Actual
Est
EPS
$4.79
—
Rev
$42M
—
Q1 2026
Jan 16, 2026Metric
Actual
Est
EPS
$4.54
—
Rev
$67M
—
Q4 2025
Oct 10, 2025Metric
Actual
Est
EPS
$3.86
—
Rev
$64M
—
Q3 2025
Jul 11, 2025Metric
Actual
Est
EPS
$3.39
—
Rev
$54M
—
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 17, 2026 | $4.79 | $42M |
| Q1 2026 | Jan 16, 2026 | $4.54 | $67M |
| Q4 2025 | Oct 10, 2025 | $3.86 | $64M |
| Q3 2025 | Jul 11, 2025 | $3.39 | $54M |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for Hingham Institution for Savings (HIFS)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $302.39 | $659.29M | 12.21 | 8.92% | 23.04% | 11.97% | 0.82% | |
| $50.16 | $2.61B | 15.06 | 10.36% | 19.66% | 9.83% | — | |
| $84.72 | $4.09B | 19.04 | 19.82% | 19.81% | 7.01% | — | |
| $65.68 | $2.4B | 12.37 | 12.03% | 21.03% | 10.08% | — | |
| $15.11 | $2.21B | 16.42 | 16.3% | 14.75% | 7.3% | — | |
| $54.97 | $960.59M | 16.91 | 5.77% | 22.43% | 9.21% | — |
Compare HIFS vs Peers
Hingham Institution for Savings (HIFS) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
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HIFS Frequently Asked Questions
Hingham Institution for Savings (HIFS) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is Hingham Institution for Savings growing?
Hingham Institution for Savings (HIFS) grew revenue by 8.9% over the past year. This is steady growth.
Is HIFS profitable?
Yes, Hingham Institution for Savings (HIFS) is profitable, generating $50.3M in net income for fiscal year 2025 (23.0% net margin).
Dividend & Returns
Does HIFS pay dividends?
Yes, Hingham Institution for Savings (HIFS) pays a dividend with a yield of 0.82%. This makes it attractive for income-focused investors.
What is HIFS's return on equity?
Hingham Institution for Savings (HIFS) has a return on equity (ROE) of 12.0%. This is reasonable for most industries.
Industry Metrics
What is Hingham Institution for Savings's net interest margin?
Hingham Institution for Savings (HIFS) has a net interest margin (NIM) of 1.6%. NIM has been under pressure due to interest rate environment.
What is Hingham Institution for Savings's efficiency ratio?
Hingham Institution for Savings (HIFS) has an efficiency ratio of 12.9%. This is excellent, indicating strong cost control.