HIFS
Hingham Institution for Savings
Banks - Regional
Market Cap$626M
5Y Perf.+74.8%
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Stock Comparison
HIFS vs EFSC
Revenue, margins, valuation, and 5-year total return — side by side.
EFSC
Enterprise Financial Services Corp
Banks - Regional
Market Cap$2.18B
5Y Perf.+102.8%
HIFS vs EFSC — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | HIFS | EFSC |
|---|---|---|
| Industry | Banks - Regional | Banks - Regional |
| Market Cap | $626M | $2.18B |
| Revenue (TTM) | $217M | $912M |
| Net Income (TTM) | $45M | $201M |
| Gross Margin | 30.1% | 68.4% |
| Operating Margin | 16.8% | 31.1% |
| Forward P/E | 20.4x | 10.7x |
| Total Debt | $1.50B | $509M |
| Cash & Equiv. | $352M | $208M |
HIFS vs EFSC — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
HIFS
EFSC
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Hingham Institution… (HIFS) | 100 | 174.8 | +74.8% |
| Enterprise Financia… (EFSC) | 100 | 202.8 | +102.8% |
Price return only. Dividends and distributions are not included.
Quick Verdict: HIFS vs EFSC
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: EFSC leads in 4 of 7 categories, making it the strongest pick for valuation and capital efficiency and capital preservation and lower volatility. Hingham Institution for Savings is the stronger pick specifically for growth and revenue expansion and profitability and margin quality. As sector peers, any of these can serve as alternatives in the same allocation.
HIFS
Hingham Institution for Savings
The Banking Pick
HIFS is the clearest fit if your priority is growth exposure.
- Rev growth 14.1%, EPS growth 6.8%
- 14.1% NII/revenue growth vs EFSC's 12.0%
- Efficiency ratio 0.1% vs EFSC's 0.4% (lower = leaner)
Best for: growth exposure
EFSC
Enterprise Financial Services Corp
The Banking Pick
EFSC carries the broadest edge in this set and is the clearest fit for income & stability and long-term compounding.
- Dividend streak 14 yrs, beta 0.90, yield 2.0%
- 153.5% 10Y total return vs HIFS's 142.5%
- Lower volatility, beta 0.90, Low D/E 24.9%, current ratio 27.20x
Best for: income & stability and long-term compounding
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | HIFS | 14.1% NII/revenue growth vs EFSC's 12.0% |
| Value | EFSC | Lower P/E (10.7x vs 20.4x) |
| Quality / Margins | HIFS | Efficiency ratio 0.1% vs EFSC's 0.4% (lower = leaner) |
| Stability / Safety | EFSC | Beta 0.90 vs HIFS's 1.25, lower leverage |
| Dividends | EFSC | 2.0% yield, 14-year raise streak, vs HIFS's 0.9% |
| Momentum (1Y) | EFSC | +15.3% vs HIFS's +14.4% |
| Efficiency (ROA) | HIFS | Efficiency ratio 0.1% vs EFSC's 0.4% |
HIFS vs EFSC — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLEFSCLAGGINGHIFS
HIFSHingham Institution f…
0leads
EFSCEnterprise Financial …
6leads
6 Total Categories
CATEGORYLEADERvs HIFSMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
EFSC4/5
Valuation MetricsMultiples, price ratios, and targets
EFSC6/6
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
EFSC9/9
Total Returns1Y, 3Y, 5Y total returns with dividends
EFSC6/6
Risk & VolatilityBeta, volatility, and downside exposure
EFSC2/2
Analyst OutlookRatings, price targets, and dividends
EFSC2/2
Income & Cash Flow (Last 12 Months)
EFSC leads this category, winning 4 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
EFSC is the larger business by revenue, generating $912M annually — 4.2x HIFS's $217M. EFSC is the more profitable business, keeping 22.1% of every revenue dollar as net income compared to HIFS's 13.0%.
| Metric | HIFSHingham Instituti… | EFSCEnterprise Financ… |
|---|---|---|
| RevenueTrailing 12 months | $217M | $912M |
| EBITDAEarnings before interest/tax | $62M | $291M |
| Net IncomeAfter-tax profit | $45M | $201M |
| Free Cash FlowCash after capex | $30M | $182M |
| Gross MarginGross profit ÷ Revenue | +30.1% | +68.4% |
| Operating MarginEBIT ÷ Revenue | +16.8% | +31.1% |
| Net MarginNet income ÷ Revenue | +13.0% | +22.1% |
| FCF MarginFCF ÷ Revenue | +5.4% | +19.9% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +195.1% | +13.3% |
EFSC leads this category, winning 4 of 5 comparable metrics.
Valuation Metrics
EFSC leads this category, winning 6 of 6 comparable metrics.
Valuation Metrics
At 11.2x trailing earnings, EFSC trades at a 50% valuation discount to HIFS's 22.3x P/E. On an enterprise value basis, EFSC's 8.5x EV/EBITDA is more attractive than HIFS's 47.5x.
| Metric | HIFSHingham Instituti… | EFSCEnterprise Financ… |
|---|---|---|
| Market CapShares × price | $626M | $2.2B |
| Enterprise ValueMkt cap + debt − cash | $1.8B | $2.5B |
| Trailing P/EPrice ÷ TTM EPS | 22.33x | 11.22x |
| Forward P/EPrice ÷ next-FY EPS est. | 20.43x | 10.74x |
| PEG RatioP/E ÷ EPS growth rate | — | 0.80x |
| EV / EBITDAEnterprise value multiple | 47.53x | 8.51x |
| Price / SalesMarket cap ÷ Revenue | 2.88x | 2.39x |
| Price / BookPrice ÷ Book value/share | 1.46x | 1.09x |
| Price / FCFMarket cap ÷ FCF | 53.27x | 12.00x |
EFSC leads this category, winning 6 of 6 comparable metrics.
Profitability & Efficiency
EFSC leads this category, winning 9 of 9 comparable metrics.
Profitability & Efficiency
EFSC delivers a 10.3% return on equity — every $100 of shareholder capital generates $10 in annual profit, vs $10 for HIFS. EFSC carries lower financial leverage with a 0.25x debt-to-equity ratio, signaling a more conservative balance sheet compared to HIFS's 3.47x. On the Piotroski fundamental quality scale (0–9), EFSC scores 6/9 vs HIFS's 5/9, reflecting solid financial health.
| Metric | HIFSHingham Instituti… | EFSCEnterprise Financ… |
|---|---|---|
| ROE (TTM)Return on equity | +9.8% | +10.3% |
| ROA (TTM)Return on assets | +1.0% | +1.2% |
| ROICReturn on invested capital | +1.4% | +8.8% |
| ROCEReturn on capital employed | +2.2% | +2.9% |
| Piotroski ScoreFundamental quality 0–9 | 5 | 6 |
| Debt / EquityFinancial leverage | 3.47x | 0.25x |
| Net DebtTotal debt minus cash | $1.1B | $300M |
| Cash & Equiv.Liquid assets | $352M | $208M |
| Total DebtShort + long-term debt | $1.5B | $509M |
| Interest CoverageEBIT ÷ Interest expense | 0.44x | 1.08x |
EFSC leads this category, winning 9 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
EFSC leads this category, winning 6 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in EFSC five years ago would be worth $12,808 today (with dividends reinvested), compared to $9,808 for HIFS. Over the past 12 months, EFSC leads with a +15.3% total return vs HIFS's +14.4%. The 3-year compound annual growth rate (CAGR) favors EFSC at 17.9% vs HIFS's 17.4% — a key indicator of consistent wealth creation.
| Metric | HIFSHingham Instituti… | EFSCEnterprise Financ… |
|---|---|---|
| YTD ReturnYear-to-date | +6.3% | +10.8% |
| 1-Year ReturnPast 12 months | +14.4% | +15.3% |
| 3-Year ReturnCumulative with dividends | +61.9% | +63.7% |
| 5-Year ReturnCumulative with dividends | -1.9% | +28.1% |
| 10-Year ReturnCumulative with dividends | +142.5% | +153.5% |
| CAGR (3Y)Annualised 3-year return | +17.4% | +17.9% |
EFSC leads this category, winning 6 of 6 comparable metrics.
Risk & Volatility
EFSC leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
EFSC is the less volatile stock with a 0.90 beta — it tends to amplify market swings less than HIFS's 1.25 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. EFSC currently trades 95.6% from its 52-week high vs HIFS's 84.9% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | HIFSHingham Instituti… | EFSCEnterprise Financ… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.25x | 0.90x |
| 52-Week HighHighest price in past year | $338.00 | $62.30 |
| 52-Week LowLowest price in past year | $220.76 | $50.88 |
| % of 52W HighCurrent price vs 52-week peak | +84.9% | +95.6% |
| RSI (14)Momentum oscillator 0–100 | 51.0 | 59.5 |
| Avg Volume (50D)Average daily shares traded | 51K | 269K |
EFSC leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
EFSC leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
For income investors, EFSC offers the higher dividend yield at 2.03% vs HIFS's 0.87%.
| Metric | HIFSHingham Instituti… | EFSCEnterprise Financ… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | Buy |
| Price TargetConsensus 12-month target | — | $68.00 |
| # AnalystsCovering analysts | — | 9 |
| Dividend YieldAnnual dividend ÷ price | +0.9% | +2.0% |
| Dividend StreakConsecutive years of raises | 0 | 14 |
| Dividend / ShareAnnual DPS | $2.50 | $1.21 |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | +0.6% |
EFSC leads this category, winning 2 of 2 comparable metrics.
Key Takeaway
EFSC leads in 6 of 6 categories — strongest in Income & Cash Flow and Valuation Metrics.
Best OverallEnterprise Financial Servic… (EFSC)Leads 6 of 6 categories
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HIFS vs EFSC: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is HIFS or EFSC a better buy right now?
For growth investors, Hingham Institution for Savings (HIFS) is the stronger pick with 14.
1% revenue growth year-over-year, versus 12. 0% for Enterprise Financial Services Corp (EFSC). Enterprise Financial Services Corp (EFSC) offers the better valuation at 11. 2x trailing P/E (10. 7x forward), making it the more compelling value choice. Analysts rate Enterprise Financial Services Corp (EFSC) a "Buy" — based on 9 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — HIFS or EFSC?
On trailing P/E, Enterprise Financial Services Corp (EFSC) is the cheapest at 11.
2x versus Hingham Institution for Savings at 22. 3x. On forward P/E, Enterprise Financial Services Corp is actually cheaper at 10. 7x.
03Which is the better long-term investment — HIFS or EFSC?
Over the past 5 years, Enterprise Financial Services Corp (EFSC) delivered a total return of +28.
1%, compared to -1. 9% for Hingham Institution for Savings (HIFS). Over 10 years, the gap is even starker: EFSC returned +153. 5% versus HIFS's +142. 5%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — HIFS or EFSC?
By beta (market sensitivity over 5 years), Enterprise Financial Services Corp (EFSC) is the lower-risk stock at 0.
90β versus Hingham Institution for Savings's 1. 25β — meaning HIFS is approximately 40% more volatile than EFSC relative to the S&P 500. On balance sheet safety, Enterprise Financial Services Corp (EFSC) carries a lower debt/equity ratio of 25% versus 3% for Hingham Institution for Savings — giving it more financial flexibility in a downturn.
05Which is growing faster — HIFS or EFSC?
By revenue growth (latest reported year), Hingham Institution for Savings (HIFS) is pulling ahead at 14.
1% versus 12. 0% for Enterprise Financial Services Corp (EFSC). On earnings-per-share growth, the picture is similar: Enterprise Financial Services Corp grew EPS 9. 9% year-over-year, compared to 6. 8% for Hingham Institution for Savings. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — HIFS or EFSC?
Enterprise Financial Services Corp (EFSC) is the more profitable company, earning 22.
1% net margin versus 13. 0% for Hingham Institution for Savings — meaning it keeps 22. 1% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: EFSC leads at 31. 1% versus 16. 8% for HIFS. At the gross margin level — before operating expenses — EFSC leads at 68. 4%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is HIFS or EFSC more undervalued right now?
On forward earnings alone, Enterprise Financial Services Corp (EFSC) trades at 10.
7x forward P/E versus 20. 4x for Hingham Institution for Savings — 9. 7x cheaper on a one-year earnings basis.
08Which pays a better dividend — HIFS or EFSC?
All stocks in this comparison pay dividends.
Enterprise Financial Services Corp (EFSC) offers the highest yield at 2. 0%, versus 0. 9% for Hingham Institution for Savings (HIFS).
09Is HIFS or EFSC better for a retirement portfolio?
For long-horizon retirement investors, Enterprise Financial Services Corp (EFSC) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0.
90), 2. 0% yield, +153. 5% 10Y return). Both have compounded well over 10 years (EFSC: +153. 5%, HIFS: +142. 5%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between HIFS and EFSC?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
In terms of investment character: HIFS is a small-cap quality compounder stock; EFSC is a small-cap deep-value stock. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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Revenue Growth>
%
(HIFS: 14.1% · EFSC: 12.0%)Net Margin>
%
(HIFS: 13.0% · EFSC: 22.1%)P/E Ratio<
x
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