Hingham Institution for Savings (HIFS) Financial Ratios
30 years of historical data (1996–2025) · Financial Services · Banks - Regional
EV/EBITDA
↑
28.43
↓-14% vs avg
5yr avg: 33.00
30Y Low9.1·High74.5
P/FCF
↑
17.68
↓-24% vs avg
5yr avg: 23.13
30Y Low5.8·High47.4
P/B Ratio
↓
1.31
↓-16% vs avg
5yr avg: 1.56
30Y Low0.9·High2.6
ROE
↓
12.0%
↓+6% vs avg
5yr avg: 11.3%
30Y Low7%·High21%
Debt/EBITDA
↑
19.96
↓-28% vs avg
5yr avg: 27.55
30Y Low5.8·High47.2
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
HIFS Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Hingham Institution for Savings trades at 11.5x earnings, 26% below its 5-year average of 15.5x, sitting at the 43rd percentile of its historical range. Compared to the Financial Services sector median P/E of 13.6x, the stock trades at a discount of 15%. On a free-cash-flow basis, the stock trades at 17.7x P/FCF, 24% below the 5-year average of 23.1x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $628M | $627M | $558M | $426M | $608M | $924M | $472M | $459M | $432M | $451M | $423M |
| Enterprise Value | $2.1B | $2.1B | $1.7B | $1.8B | $1.5B | $1.3B | $646M | $713M | $744M | $676M | $577M |
| P/E Ratio → | 11.50 | 11.47 | 19.78 | 16.16 | 16.19 | 13.70 | 9.29 | 11.79 | 14.23 | 17.53 | 18.07 |
| P/S Ratio | 2.65 | 2.65 | 2.57 | 2.24 | 5.14 | 7.49 | 4.09 | 3.96 | 4.68 | 5.47 | 5.76 |
| P/B Ratio | 1.31 | 1.31 | 1.29 | 1.05 | 1.57 | 2.61 | 1.61 | 1.86 | 2.03 | 2.43 | 2.63 |
| P/FCF | 17.68 | 17.64 | 47.44 | 23.10 | 11.40 | 16.10 | 10.70 | 14.11 | 12.45 | 16.61 | 16.91 |
| P/OCF | 17.55 | 17.51 | 46.88 | 21.58 | 10.88 | 15.66 | 10.34 | 13.83 | 12.06 | 16.45 | 16.85 |
P/E links to full P/E history page with 30-year chart
HIFS EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Hingham Institution for Savings's enterprise value stands at 28.4x EBITDA, 14% below its 5-year average of 33.0x. The Financial Services sector median is 11.4x, placing the stock at a 150% premium on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 8.80 | 7.83 | 9.22 | 12.86 | 10.68 | 5.60 | 6.15 | 8.05 | 8.20 | 7.85 |
| EV / EBITDA | 28.43 | 28.41 | 45.69 | 48.97 | 27.76 | 14.14 | 9.11 | 13.15 | 17.15 | 15.10 | 14.24 |
| EV / EBIT | 28.65 | 28.63 | 46.63 | 49.86 | 28.01 | 14.22 | 9.21 | 13.31 | 17.41 | 15.32 | 14.50 |
| EV / FCF | — | 58.66 | 144.87 | 95.18 | 28.53 | 22.96 | 14.65 | 21.91 | 21.41 | 24.87 | 23.03 |
HIFS Profitability
Margins and return-on-capital ratios measuring operating efficiency
Hingham Institution for Savings earns an operating margin of 30.7%, above the Financial Services sector average of 20.3%. Operating margins have expanded from 18.5% to 30.7% over the past 3 years, signaling improving operational efficiency. ROE of 12.0% is modest. ROIC of 2.8% represents below-average returns on invested capital versus a sector median of 5.5%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 43.6% | 43.6% | 30.1% | 33.3% | 68.4% | 91.0% | 79.7% | 64.1% | 67.9% | 77.2% | 80.2% |
| Operating Margin | 30.7% | 30.7% | 16.8% | 18.5% | 45.9% | 75.1% | 60.8% | 46.2% | 46.2% | 53.5% | 54.1% |
| Net Profit Margin | 23.0% | 23.0% | 13.0% | 13.8% | 31.7% | 54.6% | 44.0% | 33.6% | 32.9% | 31.2% | 31.9% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 12.0% | 12.0% | 6.7% | 6.6% | 10.1% | 20.8% | 18.8% | 16.9% | 15.2% | 14.8% | 15.7% |
| ROA | 1.2% | 1.2% | 0.6% | 0.6% | 1.0% | 2.1% | 1.9% | 1.6% | 1.3% | 1.2% | 1.2% |
| ROIC | 2.8% | 2.8% | 1.4% | 1.4% | 3.0% | 8.1% | 7.2% | 5.1% | 4.0% | 4.7% | 5.1% |
| ROCE | 2.8% | 2.8% | 2.2% | 1.8% | 4.0% | 10.6% | 9.4% | 6.7% | 5.3% | 6.2% | 6.6% |
HIFS Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Hingham Institution for Savings carries a Debt/EBITDA ratio of 20.0x, which is highly leveraged (368% above the sector average of 4.3x). Net debt stands at $1.5B ($1.5B total debt minus $7M cash). Interest coverage of just 0.5x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 3.05 | 3.05 | 3.47 | 4.15 | 3.31 | 1.88 | 1.39 | 2.05 | 2.86 | 3.12 | 2.96 |
| Debt / EBITDA | 19.96 | 19.96 | 40.17 | 47.19 | 23.28 | 7.13 | 5.76 | 9.33 | 14.00 | 12.95 | 11.76 |
| Net Debt / Equity | — | 3.04 | 2.65 | 3.26 | 2.37 | 1.11 | 0.59 | 1.03 | 1.46 | 1.21 | 0.95 |
| Net Debt / EBITDA | 19.87 | 19.87 | 30.73 | 37.08 | 16.68 | 4.23 | 2.46 | 4.68 | 7.18 | 5.02 | 3.78 |
| Debt / FCF | — | 41.02 | 97.43 | 72.08 | 17.14 | 6.86 | 3.95 | 7.80 | 8.96 | 8.27 | 6.12 |
| Interest Coverage | 0.55 | 0.55 | 0.24 | 0.28 | 1.65 | 11.55 | 3.31 | 1.34 | 1.51 | 2.56 | 2.97 |
HIFS Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.02x is below 1.0, meaning current liabilities exceed current assets. The current ratio has declined from 0.16x to 0.02x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.02 | 0.02 | 0.11 | 0.16 | 0.15 | 0.12 | 0.11 | 0.14 | 0.19 | 0.26 | 0.26 |
| Quick Ratio | 0.02 | 0.02 | 0.11 | 0.16 | 0.15 | 0.12 | 0.11 | 0.14 | 0.19 | 0.26 | 0.26 |
| Cash Ratio | 0.01 | 0.01 | 0.11 | 0.15 | 0.14 | 0.11 | 0.11 | 0.14 | 0.19 | 0.24 | 0.24 |
| Asset Turnover | — | 0.05 | 0.05 | 0.04 | 0.03 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
HIFS Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Hingham Institution for Savings returns 0.9% to shareholders annually primarily through dividends. The payout ratio of 10.1% is conservative, leaving significant room for dividend growth or reinvestment. The earnings yield of 8.7% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 0.9% | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | 10.1% | 10.1% | 19.4% | 25.7% | 17.5% | 8.6% | 9.7% | 11.2% | 12.1% | 13.4% | 13.8% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 8.7% | 8.7% | 5.1% | 6.2% | 6.2% | 7.3% | 10.8% | 8.5% | 7.0% | 5.7% | 5.5% |
| FCF Yield | 5.7% | 5.7% | 2.1% | 4.3% | 8.8% | 6.2% | 9.3% | 7.1% | 8.0% | 6.0% | 5.9% |
| Buyback Yield | 0.0% | — | — | — | — | — | — | — | — | — | — |
| Total Shareholder Yield | 0.9% | — | — | — | — | — | — | — | — | — | — |
| Shares Outstanding | — | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M |
Peer Comparison
Compare HIFS with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 HIFSYou | $628M | 11.5 | 28.4 | 17.7 | 43.6% | 30.7% | 12.0% | 2.8% | 20.0 |
 NBTB | $2B | 14.0 | 10.7 | 11.1 | 72.1% | 25.3% | 9.9% | 7.9% | 1.4 |
 INDB | $4B | 18.2 | 15.3 | 16.7 | 67.9% | 22.9% | 6.3% | 4.9% | 2.9 |
 EFSC | $2B | 11.7 | 8.8 | 12.5 | 68.4% | 31.1% | 10.4% | 8.8% | 1.7 |
 NWBI | $2B | 15.7 | 14.1 | 14.9 | 68.3% | 18.8% | 7.2% | 5.6% | 2.7 |
 TRST | $925M | 16.1 | 11.9 | 20.2 | 67.1% | 29.2% | 9.0% | 7.2% | 2.1 |
 DCOM | $2B | 16.5 | -1.7 | 9.4 | 56.1% | 21.5% | 7.7% | 5.6% | 2.4 |
 NFBK | $602M | 727.8 | 63.2 | 11.5 | 35.3% | 9.3% | 0.1% | 0.8% | 39.6 |
 ICE | $76B | 23.2 | 14.8 | 17.7 | 61.9% | 38.7% | 11.7% | 7.5% | 3.1 |
 CSGP | $13B | 1814.5 | 71.6 | 311.4 | 75.2% | -2.2% | 0.1% | -0.9% | 6.7 |
 MBIN | $2B | 13.0 | 22.8 | — | 41.3% | 19.3% | 9.7% | 3.1% | 14.4 |
| Financial Services Median | — | 13.6 | 11.4 | 11.1 | 64.1% | 20.3% | 9.0% | 5.5% | 4.3 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
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Includes 30+ ratios · 30 years · Updated daily
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HIFS — Frequently Asked Questions
Quick answers to the most common questions about buying HIFS stock.
What is Hingham Institution for Savings's P/E ratio?
Hingham Institution for Savings's current P/E ratio is 11.5x. The historical average is 12.6x. This places it at the 43th percentile of its historical range.
What is Hingham Institution for Savings's EV/EBITDA?
Hingham Institution for Savings's current EV/EBITDA is 28.4x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 20.6x.
What is Hingham Institution for Savings's ROE?
Hingham Institution for Savings's return on equity (ROE) is 12.0%. The historical average is 13.7%.
Is HIFS stock overvalued?
Based on historical data, Hingham Institution for Savings is trading at a P/E of 11.5x. This is at the 43th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is Hingham Institution for Savings's dividend yield?
Hingham Institution for Savings's current dividend yield is 0.87% with a payout ratio of 10.1%.
What are Hingham Institution for Savings's profit margins?
Hingham Institution for Savings has 43.6% gross margin and 30.7% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
How much debt does Hingham Institution for Savings have?
Hingham Institution for Savings's Debt/EBITDA ratio is 20.0x, indicating high leverage. A ratio above 4x may signal elevated financial risk.