Hingham Institution for Savings(HIFS)Earnings, Financials & Key Ratios
HIFS•NASDAQ•Banking & Credit
11.5× P/E·Price updated Jun 19, 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 Key Insights
Hingham Institution for Savings (HIFS) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Efficient operations: 12.9% efficiency ratio
- ✓Well capitalized: 10.6% equity/assets
- ✓Trading at only 1.3x book value
✗Weaknesses
- ✗High debt to equity ratio of 3.1x
- ✗Weak NIM of 1.6%
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
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HIFS Price & Volume
Hingham Institution for Savings (HIFS) stock price & volume — 10-year historical chart
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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%
TTM93.51%
EPS CAGR
10 Years10.63%
5 Years1.26%
3 Years13.26%
TTM92.68%
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 →
HIFS Peer Comparison
Hingham Institution for Savings (HIFS) competitors in Commercial real estate and multifamily lenders — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 NBTB | 2.44B | 46.68 | 14.02 | 10.36% | 18.76% | 9.51% | 0.17 | |
 INDB | 4.01B | 81.05 | 18.21 | 19.82% | 17.57% | 6.21% | 0.25 | |
 EFSC | 2.27B | 62.11 | 11.70 | 12.03% | 22.07% | 10.31% | 0.25 | |
 NWBI | 2.12B | 14.48 | 15.74 | 16.3% | 14.37% | 7.18% | 0.24 | |
 TRST | 925.2M | 52.24 | 16.07 | 5.77% | 21.97% | 8.86% | 0.28 | |
 DCOM | 1.72B | 39.00 | 16.46 | 13.03% | 15.15% | 7.67% | 0.25 | |
 NFBK | 601.82M | 14.41 | 727.78 | -26.69% | 0.3% | 0.11% | 1.44 | |
 ICE | 75.83B | 133.88 | 23.20 | 7.46% | 26.14% | 11.57% | 0.70 |
Compare HIFS vs Peers
Hingham Institution for Savings (HIFS) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
HIFS Income Statement
Hingham Institution for Savings (HIFS) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Net Interest Income | 63.8M | 65.78M | 66.9M | 85.2M | 102.47M | 106.13M | 48.3M | 44.37M | 74.41M |
NII Growth % | 9.27% | 3.11% | 1.7% | 27.36% | 20.26% | 3.58% | -54.49% | -8.13% | 67.68% |
Net Interest Margin % | 2.79% | 2.73% | 2.58% | 2.98% | 2.99% | 2.53% | 1.08% | 1% | 1.64% |
Interest Income | 81.06M | 94.17M | 106.95M | 106.36M | 110.49M | 139.03M | 174.26M | 195.9M | 206.83M |
Interest Expense | 17.26M | 28.38M | 40.05M | 21.16M | 8.03M | 32.89M | 125.96M | 151.52M | 132.43M |
Loan Loss Provision | 1.5M | 1.27M | 1.57M | 2.29M | 3.03M | 4.51M | 1.12M | 328K | 1.02M |
Non-Interest Income | 1.41M | -1.74M | 8.83M | 8.97M | 12.97M | -20.72M | 16.26M | 21.48M | 29.92M |
Non-Interest Income % | 1.71% | -1.88% | 7.62% | 7.78% | 10.51% | -17.51% | 8.53% | 9.88% | 12.64% |
Total Revenue | 82.47M▲ 0% | 92.43M▲ 12.1% | 115.78M▲ 25.3% | 115.34M▼ 0.4% | 123.46M▲ 7.0% | 118.31M▼ 4.2% | 190.52M▲ 61.0% | 217.38M▲ 14.1% | 236.76M▲ 8.9% |
Revenue Growth % | 12.2% | 12.08% | 25.26% | -0.38% | 7.05% | -4.17% | 61.04% | 14.09% | 8.92% |
Non-Interest Expense | 19.58M | 20.05M | 20.61M | 21.76M | 19.74M | 26.59M | 28.21M | 29.01M | 30.55M |
Efficiency Ratio | 23.74% | 21.69% | 17.81% | 18.87% | 15.99% | 22.48% | 14.81% | 13.35% | 12.9% |
Operating Income | 44.13M▲ 0% | 42.73M▼ 3.2% | 53.55M▲ 25.3% | 70.13M▲ 31.0% | 92.67M▲ 32.1% | 54.31M▼ 41.4% | 35.19M▼ 35.2% | 36.52M▲ 3.8% | 72.78M▲ 99.3% |
Operating Margin % | 53.51% | 46.23% | 46.25% | 60.8% | 75.06% | 45.91% | 18.47% | 16.8% | 30.74% |
Operating Income Growth % | 10.96% | -3.17% | 25.32% | 30.97% | 32.14% | -41.39% | -35.22% | 3.78% | 99.32% |
Pretax Income | 44.13M▲ 0% | 42.73M▼ 3.2% | 53.55M▲ 25.3% | 70.13M▲ 31.0% | 92.67M▲ 32.1% | 54.31M▼ 41.4% | 35.23M▼ 35.1% | 36.52M▲ 3.6% | 72.78M▲ 99.3% |
Pretax Margin % | 53.51% | 46.23% | 46.25% | 60.8% | 75.06% | 45.91% | 18.49% | 16.8% | 30.74% |
Income Tax | 18.37M | 12.33M | 14.62M | 19.36M | 25.21M | 16.8M | 8.86M | 8.32M | 18.23M |
Effective Tax Rate % | 41.63% | 28.86% | 27.3% | 27.6% | 27.21% | 30.92% | 25.15% | 22.8% | 25.05% |
Net Income | 25.76M▲ 0% | 30.4M▲ 18.0% | 38.93M▲ 28.1% | 50.77M▲ 30.4% | 67.46M▲ 32.9% | 37.52M▼ 44.4% | 26.37M▼ 29.7% | 28.19M▲ 6.9% | 54.55M▲ 93.5% |
Net Margin % | 31.23% | 32.89% | 33.62% | 44.02% | 54.64% | 31.71% | 13.84% | 12.97% | 23.04% |
Net Income Growth % | 9.96% | 18.02% | 28.05% | 30.43% | 32.87% | -44.38% | -29.71% | 6.9% | 93.51% |
Net Income (Continuing) | 25.76M | 30.4M | 38.93M | 50.77M | 67.46M | 37.52M | 26.37M | 28.19M | 54.55M |
EPS (Diluted) | 11.81▲ 0% | 13.90▲ 17.7% | 17.83▲ 28.3% | 23.26▲ 30.5% | 30.65▲ 31.8% | 17.04▼ 44.4% | 12.03▼ 29.4% | 12.85▲ 6.8% | 24.76▲ 92.7% |
EPS Growth % | 8.45% | 17.7% | 28.27% | 30.45% | 31.77% | -44.4% | -29.4% | 6.82% | 92.68% |
EPS (Basic) | 12.08 | 14.25 | 18.24 | 23.76 | 31.51 | 17.49 | 12.26 | 12.95 | 25.01 |
Diluted Shares Outstanding | 2.18M | 2.19M | 2.18M | 2.18M | 2.2M | 2.2M | 2.19M | 2.19M | 2.21M |
HIFS Balance Sheet
Hingham Institution for Savings (HIFS) balance sheet — assets, liabilities & shareholders' equity
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash & Short Term Investments | 389.53M | 295.99M | 252.16M | 233.99M | 271.16M | 362.03M | 362.48M | 351.83M | 6.68M |
Cash & Due from Banks | 355.23M | 295.98M | 252.15M | 233.99M | 271.16M | 362.03M | 362.48M | 351.83M | 6.68M |
Short Term Investments | 34.3M | 14K | 11K | 6K | 0 | 0 | 0 | 0 | 0 |
Total Investments | 1.87B | 2.05B | 2.27B | 2.56B | 3.09B | 3.72B | 4B | 3.99B | 4.48B |
Investments Growth % | 14.42% | 9.61% | 11.06% | 12.62% | 20.69% | 20.49% | 7.33% | -0.1% | 12.23% |
Long-Term Investments | 1.83B | 2.05B | 2.27B | 2.56B | 3.09B | 3.72B | 4B | 3.99B | 4.48B |
Accounts Receivables | 4.4M | 4.58M | 4.93M | 5.27M | 5.47M | 7.12M | 8.55M | 8.77M | 9.21M |
Goodwill & Intangibles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Intangible Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
PP&E (Net) | 14.07M | 14.55M | 14.55M | 15.25M | 15.82M | 17.86M | 17.01M | 16.4M | 15.91M |
Other Assets | 41.31M | 43.47M | 43.26M | 40.63M | 47.64M | 78.25M | 97.39M | 96.05M | 44.98M |
Total Current Assets | 393.93M | 300.57M | 257.08M | 239.26M | 276.63M | 369.15M | 371.03M | 360.6M | 15.9M |
Total Non-Current Assets | 1.89B | 2.11B | 2.33B | 2.62B | 3.15B | 3.82B | 4.11B | 4.11B | 4.54B |
Total Assets | 2.28B▲ 0% | 2.41B▲ 5.4% | 2.59B▲ 7.5% | 2.86B▲ 10.3% | 3.43B▲ 20.1% | 4.19B▲ 22.2% | 4.48B▲ 6.9% | 4.46B▼ 0.6% | 4.54B▲ 1.9% |
Asset Growth % | 13.4% | 5.43% | 7.55% | 10.3% | 20.09% | 22.23% | 6.92% | -0.58% | 1.9% |
Return on Assets (ROA) | 1.2% | 1.3% | 1.56% | 1.86% | 2.15% | 0.98% | 0.61% | 0.63% | 1.21% |
Accounts Payable | 575K | 2.19M | 960K | 252K | 198K | 4.53M | 12.26M | 8.24M | 11.83M |
Total Debt | 579.98M | 607.35M | 505.89M | 408.03M | 665M | 1.28B | 1.69B | 1.5B | 1.46B |
Net Debt | 224.75M | 311.38M | 253.74M | 174.04M | 393.84M | 913.97M | 1.33B | 1.15B | 1.46B |
Long-Term Debt | 579.98M | 607.35M | 505.89M | 408.03M | 665M | 1.28B | 1.69B | 810M | 797.25M |
Short-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 687M | 666.57M |
Other Liabilities | 12.03M | 13.32M | 15.44M | 16.67M | 17.95M | 22.02M | 21.41M | 28.68M | 2.6B |
Total Current Liabilities | 1.51B | 1.58B | 1.82B | 2.14B | 2.39B | 2.51B | 2.36B | 3.19B | 666.84M |
Total Non-Current Liabilities | 592M | 620.67M | 521.33M | 424.7M | 683.49M | 1.3B | 1.71B | 838.68M | 3.4B |
Total Liabilities | 2.1B | 2.2B | 2.34B | 2.56B | 3.08B | 3.81B | 4.08B | 4.03B | 4.06B |
Total Equity | 186.16M▲ 0% | 212.58M▲ 14.2% | 247.22M▲ 16.3% | 292.94M▲ 18.5% | 354.61M▲ 21.1% | 385.97M▲ 8.8% | 407.62M▲ 5.6% | 431.75M▲ 5.9% | 479.71M▲ 11.1% |
Equity Growth % | 15.61% | 14.19% | 16.3% | 18.49% | 21.05% | 8.84% | 5.61% | 5.92% | 11.11% |
Equity / Assets (Capital Ratio) | 8.15% | 8.83% | 9.54% | 10.25% | 10.34% | 9.2% | 9.09% | 9.69% | 10.56% |
Return on Equity (ROE) | 14.84% | 15.25% | 16.93% | 18.8% | 20.83% | 10.13% | 6.65% | 6.72% | 11.97% |
Book Value per Share | 85.35 | 97.20 | 113.25 | 134.19 | 161.11 | 175.28 | 185.87 | 196.79 | 217.36 |
Tangible BV per Share | 85.35 | 97.20 | 113.25 | 134.19 | 161.11 | 175.28 | 185.87 | 196.79 | 217.36 |
Common Stock | 2.13M | 2.13M | 2.14M | 2.14M | 2.14M | 2.15M | 2.16M | 2.18M | 2.18M |
Additional Paid-in Capital | 11.75M | 11.86M | 12.23M | 12.46M | 12.73M | 13.06M | 14.15M | 15.57M | 16M |
Retained Earnings | 165.6M | 198.58M | 232.85M | 278.35M | 339.74M | 370.76M | 391.31M | 414M | 461.53M |
Accumulated OCI | 6.68M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -8K |
Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
HIFS Cash Flow Statement
Hingham Institution for Savings (HIFS) cash flow — operating, investing & free cash flow history
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash from Operations | 27.44M | 35.87M | 33.17M | 45.59M | 59.01M | 55.85M | 19.75M | 11.89M | 35.79M |
Operating CF Growth % | 9.17% | 30.71% | -7.52% | 37.46% | 29.43% | -5.35% | -64.63% | -39.79% | 200.95% |
Net Income | 25.76M | 30.4M | 38.93M | 50.77M | 67.46M | 37.52M | 26.37M | 28.19M | 54.55M |
Depreciation & Amortization | 650K | 638K | 652K | 703K | 543K | 494K | 685K | 750K | 0 |
Deferred Taxes | -371K | -957K | 1.04M | 450K | 1.3M | -4.6M | 3.24M | 4.76M | 0 |
Other Non-Cash Items | 1.75M | 4.65M | -5.58M | -5.34M | -10.71M | 26.26M | -14.16M | -20.36M | -20.79M |
Working Capital Changes | -523K | 1.03M | -2.04M | -1.07M | 381K | -3.85M | 3.58M | -1.63M | 2.03M |
Cash from Investing | -236.07M | -187.08M | -219.49M | -280.43M | -527.34M | -685.28M | -276.58M | 32.48M | -37.53M |
Purchase of Investments | -3.71M | -13.54M | -6.64M | -20.06M | -18.86M | -9M | -2.89M | -17.2M | 0 |
Sale/Maturity of Investments | 957K | 6.37M | 4.05M | 9.76M | 4.58M | 12.45M | 1.43M | 1.05M | 0 |
Net Investment Activity | -2.76M | -7.18M | -2.59M | -10.3M | -14.29M | 3.45M | -1.46M | -16.16M | 0 |
Acquisitions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Other Investing | -233.06M | -178.77M | -216.25M | -268.61M | -511.45M | -686.2M | -273.83M | 48.77M | -37.53M |
Cash from Financing | 240.93M | 91.95M | 142.49M | 216.68M | 505.5M | 720.3M | 257.27M | -55.02M | 19.51M |
Dividends Paid | -3.45M | -3.69M | -4.35M | -4.93M | -5.78M | -6.58M | -6.77M | -5.48M | -5.5M |
Share Repurchases | 0 | 0 | -214K | 0 | 0 | 0 | 0 | 0 | 0 |
Stock Issued | 0 | 0 | 214K | 152K | 233K | 316K | 1.06M | 1.27M | 244K |
Net Stock Activity | 0 | 0 | 0 | 152K | 233K | 316K | 1.06M | 1.27M | 244K |
Debt Issuance (Net) | 1000K | 1000K | -1000K | -1000K | 1000K | 1000K | 1000K | -1000K | -1000K |
Other Financing | 140.59M | 68.27M | 248.31M | 319.32M | 254.08M | 115.56M | -153.69M | 144.88M | 57.95M |
Net Change in Cash | 32.3M▲ 0% | -59.25M▼ 283.5% | -43.83M▲ 26.0% | -18.16M▲ 58.6% | 37.17M▲ 304.7% | 90.87M▲ 144.4% | 444K▼ 99.5% | -10.65M▼ 2498.0% | 17.78M▲ 267.0% |
Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Cash at Beginning | 322.93M | 355.23M | 295.98M | 252.15M | 233.99M | 271.16M | 362.03M | 362.48M | 351.83M |
Cash at End | 355.23M | 295.98M | 252.15M | 233.99M | 271.16M | 362.03M | 362.48M | 351.83M | 369.61M |
Interest Paid | 17.09M | 26.77M | 41.28M | 21.87M | 118.23M | 28.57M | 118.23M | 155.54M | 128.84M |
Income Taxes Paid | 18.74M | 13.38M | 13.58M | 18.83M | 24.06M | 21.21M | 8.61M | 625K | 12.66M |
Free Cash Flow | 27.18M▲ 0% | 34.74M▲ 27.8% | 32.52M▼ 6.4% | 44.06M▲ 35.5% | 57.41M▲ 30.3% | 53.33M▼ 7.1% | 18.45M▼ 65.4% | 11.75M▼ 36.3% | 35.53M▲ 202.2% |
FCF Growth % | 8.58% | 27.81% | -6.4% | 35.49% | 30.29% | -7.11% | -65.39% | -36.31% | 202.25% |
HIFS Banking Ratios
Hingham Institution for Savings (HIFS) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
Return on Equity (ROE) | 15.67% | 14.84% | 15.25% | 16.93% | 18.8% | 20.83% | 10.13% | 6.65% | 6.72% | 11.97% |
Return on Assets (ROA) | 1.24% | 1.2% | 1.3% | 1.56% | 1.86% | 2.15% | 0.98% | 0.61% | 0.63% | 1.21% |
Net Interest Margin | 2.9% | 2.79% | 2.73% | 2.58% | 2.98% | 2.99% | 2.53% | 1.08% | 1% | 1.64% |
Efficiency Ratio | 26.14% | 23.74% | 21.69% | 17.81% | 18.87% | 15.99% | 22.48% | 14.81% | 13.35% | 12.9% |
Equity / Assets | 7.99% | 8.15% | 8.83% | 9.54% | 10.25% | 10.34% | 9.2% | 9.09% | 9.69% | 10.56% |
Book Value / Share | 74.83 | 85.35 | 97.2 | 113.25 | 134.19 | 161.11 | 175.28 | 185.87 | 196.79 | 217.36 |
NII Growth | 14.59% | 9.27% | 3.11% | 1.7% | 27.36% | 20.26% | 3.58% | -54.49% | -8.13% | 67.68% |
Dividend Payout | 13.82% | 13.41% | 12.14% | 11.18% | 9.72% | 8.57% | 17.54% | 25.68% | 19.45% | 10.08% |
Related:HIFS Dividend History·HIFS Revenue History·HIFS Price History·HIFS P/E History·HIFS Financial Ratios·HIFS Institutional Holders
HIFS Frequently Asked Questions
Hingham Institution for Savings (HIFS) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Hingham Institution for Savings (HIFS) grew revenue by 8.9% over the past year. This is steady growth.
Yes, Hingham Institution for Savings (HIFS) is profitable, generating $54.6M in net income for fiscal year 2025 (23.0% net margin).
Dividend & Returns
Yes, Hingham Institution for Savings (HIFS) pays a dividend with a yield of 0.87%. This makes it attractive for income-focused investors.
Hingham Institution for Savings (HIFS) has a return on equity (ROE) of 12.0%. This is reasonable for most industries.
Industry Metrics
Hingham Institution for Savings (HIFS) has a net interest margin (NIM) of 1.6%. NIM has been under pressure due to interest rate environment.
Hingham Institution for Savings (HIFS) has an efficiency ratio of 12.9%. This is excellent, indicating strong cost control.