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HIFSHingham Institution for Savings
$296.94$647M
Overview & Tools
OverviewChart Terminal ↗Visualize
Valuation & Forecasts
Valuation ModelsEstimatesDCF Model
Price & Analyst Data
Analyst TargetsPrice History
Financial Statements
Income StatementBalance SheetCash FlowRatios & Margins
Performance
P/E HistoryRevenue HistoryEarnings HistoryDividend HistoryTotal Return
Discovery & Screens
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HIFS logo

Hingham Institution for Savings

HIFS
NASDAQ · Regional Banks
$296.94
At close - Nov 6, 4:00 PM EST - USD
Market Cap$647M
P/E10.7x
52W High$338.00
Volume39.6K
OverviewTerminalAnalysisFinancialsValuationEarningsBreakoutsOwnership
VCP Research Verdict2026Q3

Volume-Led NII Growth Masks Liquidity Drain Risks

HIFS shows durable expansion with net interest income rising 29.3% year-over-year to $25.0M in 2026Q3 and efficiency improving from 55.7% to 30.3%, suggesting loan volume rather than rate repricing now drives earnings as NIM plateaus at 0.5% for four consecutive quarters.

GrowthExpanding
ProfitabilityModerate
ValuationReview
TechnicalsMixed
Explore valuation models
MARKET ACTION

HIFS price & volume

Price trend, volume and key moving averages

Launch Terminal
Loading chart...
Decision Checklist4 Core Signals

What matters now

The signals most likely to change the investment case.

01

Earnings momentum

0/12 Beats

EPS beat 0 of last 12 quarters

02

Valuation risk

-16% Peers

P/E is 16% below peer median

03

Market leadership

RS 62 · Avg

Average momentum (RS Rating: 62)

04

Mixed Trend

Mixed

Price < 50DMA but > 200DMA

Next CatalystEstimated earnings · Jan 16

Market performance

Price History →

Trailing total returns as of 11/8/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).

YTD Return
HIFS+10.47%
S&P 500 (^GSPC)+7.63%
1-Year Return
HIFS+4.77%
S&P 500 (^GSPC)+9.69%
3-Year Return
HIFS+83.82%
S&P 500 (^GSPC)+65.66%
5-Year Return
HIFS-17.78%
S&P 500 (^GSPC)+54.39%
02

Test the fundamentals

Check whether operating performance supports the current valuation.

VALUATION & INTRINSIC VALUE

Valuation Scenarios

Valuation Analysis
Trailing P/E5Y Low
10.7x
Forward P/E
21.1x
EV/EBITDA20th %ile
25.5x
FCF YieldCash Flow
3.7%

Valuation vs 5-Year History

Multiple Range
Metric
Current
5Y Median
Historical Range
Percentile
P/E
10.7x
16.2x
0th· Low
EV/EBITDA
25.5x
28.3x
20th· Low
Price/FCF
26.7x
17.6x
80th· High
Current Multiple
5Y Median (50th %ile)

Intrinsic Value Scenarios

DCF Projection
No DCF Model AvailableIntrinsic value modeling is not supported for this equity.

Growth & profitability

Annual revenue & EPS trend
Revenue FY25
$104M+58.4% YoY
Net income FY25
$55M+93.5% YoY
Free cash flow FY25
$36M+202.2% YoY
Operating margin FY25
69.8%+14.3 pts YoY
ROIC (FY25)2.8%
Avg ROIC 5Y3.3%
ROE (TTM)12.4%
Piotroski Score5 / 9
Financial Statements →
03

Monitor what changed

Recent results and news deserve attention only when they alter the forward view.

OPERATING RESULTS

Recent Earnings

Earnings History
QuarterEPS (Act vs Est)Revenue (Act vs Est)
Q4 2026Latest
Oct 16, 2026
$5.72
vs —
$56M
vs —
Q3 2026
Jul 17, 2026
$4.82
vs —
$72M
vs —
Q2 2026
Apr 17, 2026
$4.79
vs —
$42M
vs —
Q1 2026
Jan 16, 2026
$4.54
vs —
$67M
vs —
Historical baseline: 12 quarters analyzedGAAP / Adjusted
MARKET COVERAGE

Latest News

4 Stories
GlobeNewsWire·Oct 16, 2026
Hingham Reports Third Quarter 2026 Results

HINGHAM, Mass., Oct. 16, 2026 (GLOBE NEWSWIRE) -- HINGHAM INSTITUTION FOR SAVINGS (NASDAQ: HIFS), Hingham, Massachusetts, announced results for the quarter ended September 30, 2026.

Defense World·Oct 5, 2026
Head-To-Head Review: Hingham Institution for Savings (NASDAQ:HIFS) vs. Wells Fargo & Company (NYSE:WFC)

Hingham Institution for Savings (NASDAQ: HIFS - Get Free Report) and Wells Fargo and Company (NYSE: WFC - Get Free Report) are both finance companies, but which is the superior stock? We will contrast the two businesses based on the strength of their profitability, analyst recommendations, institutional ownership, risk, valuation, earnings and dividends. Dividends Hingham Institution for

Seeking Alpha·Sep 30, 2026
Hingham Institution for Savings: The Equity Portfolio Is Not Talked About Enough

Hingham Institution for Savings maintains a Strong Buy rating as core earnings and net interest margin (NIM) recover post-rate hikes. NIM has expanded for five consecutive quarters, driven by growth in non-interest-bearing deposits and reduced wholesale funding costs. Credit concerns center on a single $30.6M Washington, D.C. nonaccrual loan, but management's disciplined underwriting and low historical charge-offs support resilience.

Defense World·Aug 22, 2026
Hingham Institution for Savings (NASDAQ:HIFS) Stock Crosses Above Two Hundred Day Moving Average – Time to Sell?

Hingham Institution for Savings (NASDAQ: HIFS - Get Free Report)'s stock price passed above its 200-day moving average during trading on Friday. The stock has a 200-day moving average of $291.47 and traded as high as $303.53. Hingham Institution for Savings shares last traded at $297.42, with a volume of 48,144 shares changing hands. Analyst

Filtered for Hingham Institution for SavingsMore Headlines
04

Compare before deciding

Benchmark HIFS against direct peers instead of judging its metrics in isolation.

Peers Comparison

Key metrics vs top competitors for Hingham Institution for Savings (HIFS)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
HIFS logoHIFSHingham Institution for SavingsCurrent
$296.94$647.4M10.6758.43%53.16%12.41%0.84%
NBTB logoNBTBNBT Bancorp Inc.
$52.83$2.75B12.6814.54%28.98%11.31%2.7%
INDB logoINDBIndependent Bank Corp.
$84.10$4.06B12.1624.96%34.8%9.29%2.5%
EFSC logoEFSCEnterprise Financial Services Corp
$62.05$2.25B12.0322.32%25.04%9.35%1.95%
NWBI logoNWBINorthwest Bancshares, Inc.
$15.24$2.23B11.2125.41%32.11%10.53%4.92%
TRST logoTRSTTrustCo Bank Corp NY
$57.30$975.7M14.689.38%42.23%10%2.63%

Compare HIFS vs Peers

Hingham Institution for Savings (HIFS) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs NBTB

Most directly comparable listed peer for HIFS.

Scale Benchmark

vs CAT

Larger-name benchmark to compare HIFS against a more recognizable public peer.

Peer Set

Compare Top 5

vs NBTB, INDB, EFSC, NWBI

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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 26.8% over the trailing twelve months, compared with the twelve months before.

Is HIFS profitable?

Yes. Hingham Institution for Savings (HIFS) earned $61.7M in net income over the trailing twelve months (a 53.2% net margin).

Dividend & Returns
Does HIFS pay dividends?

Yes. Hingham Institution for Savings (HIFS) pays a dividend that yields 0.84% at the current price, a small yield.

What is HIFS's return on equity?

Hingham Institution for Savings (HIFS) had a return on equity (ROE) of 12.4% over the trailing twelve months. That is in line with the market's typical 10-15%.

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 29.3%. This is excellent, indicating strong cost control.

What if you invested $1,000 in HIFS back in 1996?

Total return calculator · dividends reinvested · 30+ years of data

See returns →