Last 47 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Hingham Institution for Savings's quarterly P/E stands at 7.6x, down 38.4% year-over-year — suggesting improving earnings relative to price. EV/EBITDA has compressed 31.1% YoY to 19.3x, reflecting multiple compression or accelerating EBITDA.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 11.50 | 7.56 | 8.40 | 14.51 | 18.35 | 12.27 | 22.87 | 23.79 | 13.93 | 16.82 | 31.13 | 14.17 | 15.08 |
| — | -38.4% | -63.3% | -39.0% | +31.7% | -27.1% | -26.5% | +67.8% | -7.6% | +32.6% | +136.5% | -71.0% | -5.4% | |
| P/S Ratio | 2.65 | 2.34 | 2.25 | 2.53 | 2.55 | 2.38 | 2.51 | 1.89 | 1.78 | 2.03 | 2.23 | 2.45 | 2.88 |
| — | -1.6% | -10.3% | +33.8% | +43.0% | +17.6% | +12.6% | -22.9% | -38.1% | -43.3% | -49.1% | -71.8% | -60.0% | |
| P/B Ratio | 1.31 | 1.31 | 1.26 | 1.23 | 1.20 | 1.30 | 1.27 | 0.94 | 0.92 | 1.04 | 1.02 | 1.17 | 1.31 |
| — | +0.8% | -0.7% | +30.8% | +29.6% | +24.2% | +24.5% | -19.8% | -29.4% | -33.6% | -30.6% | -31.4% | -36.9% | |
| P/FCF | 17.68 | 20.82 | 13.05 | 25.29 | 11.42 | 90.20 | 36.96 | 34.12 | 25.69 | 25.06 | 17.99 | 31.44 | 32.26 |
| — | -76.9% | -64.7% | -25.9% | -55.5% | +260.0% | +105.5% | +8.5% | -20.4% | +55.5% | +93.1% | +112.9% | +215.3% | |
| EV / EBITDA | 28.43 | 19.29 | 18.75 | 33.70 | 40.83 | 27.98 | 52.80 | 71.81 | 51.75 | 52.31 | 101.89 | 35.73 | 37.72 |
| — | -31.1% | -64.5% | -53.1% | -21.1% | -46.5% | -48.2% | +101.0% | +37.2% | +128.7% | +381.5% | -43.4% | +94.3% | |
| EV / EBIT | 28.65 | 19.29 | 18.90 | 34.20 | 41.59 | 28.33 | 54.04 | 74.23 | 52.99 | 53.56 | 106.12 | 36.23 | 38.21 |
| — | -31.9% | -65.0% | -53.9% | -21.5% | -47.1% | -49.1% | +104.9% | +38.7% | +132.4% | +397.6% | -43.8% | +95.3% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Hingham Institution for Savings's operating margin was 40.4% in Q4 2025, up 4.5 pp QoQ and up 14.8 pp YoY. This marks the 4th consecutive quarter of margin expansion, signaling a sustained improvement in operating efficiency. The trailing four-quarter average of 29.8% lags the current quarter, suggesting the recent improvement is above-trend. Gross margin expanded 38.5% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 43.6% | 52.4% | 47.5% | 37.7% | 33.7% | 37.8% | 28.5% | 25.0% | 28.4% | 28.8% | 25.1% | 38.3% | 41.6% |
| — | +38.5% | +66.6% | +51.1% | +18.6% | +31.6% | +13.6% | -34.8% | -31.9% | -48.3% | -64.3% | -42.6% | -52.7% | |
| Operating Margin | 30.7% | 40.4% | 35.9% | 23.8% | 19.1% | 25.6% | 14.8% | 10.9% | 14.9% | 15.6% | 9.8% | 22.9% | 26.0% |
| — | +57.6% | +142.9% | +118.6% | +28.3% | +64.2% | +50.2% | -52.6% | -42.7% | -59.8% | -79.7% | -26.8% | -59.6% | |
| Net Margin | 23.0% | 31.0% | 26.8% | 17.4% | 13.9% | 19.4% | 11.0% | 7.9% | 12.8% | 12.0% | 7.2% | 17.3% | 19.1% |
| — | +60.0% | +144.1% | +119.7% | +8.4% | +61.1% | +52.8% | -54.2% | -32.9% | -57.3% | -78.4% | -2.4% | -57.7% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 12.0% | 4.4% | 3.8% | 2.1% | 1.6% | 2.7% | 1.4% | 1.0% | 1.7% | 1.6% | 0.8% | 2.1% | 2.2% |
| — | +65.1% | +173.5% | +116.0% | -1.9% | +70.9% | +69.5% | -52.6% | -23.5% | -50.3% | -70.9% | +138.9% | -33.7% | |
| ROA | 1.2% | 0.5% | 0.4% | 0.2% | 0.2% | 0.3% | 0.1% | 0.1% | 0.2% | 0.1% | 0.1% | 0.2% | 0.2% |
| — | +78.8% | +192.7% | +129.1% | +4.1% | +78.7% | +71.2% | -53.2% | -24.8% | -50.7% | -70.8% | +132.0% | -39.6% | |
| ROIC | 2.8% | 1.0% | 0.9% | 0.5% | 0.4% | 0.6% | 0.3% | 0.2% | 0.3% | 0.3% | 0.2% | 0.5% | 0.5% |
| — | +77.1% | +195.4% | +142.3% | +34.4% | +89.8% | +64.0% | -56.4% | -45.5% | -61.4% | -76.9% | +50.3% | -53.6% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Hingham Institution for Savings's Debt/EBITDA ratio is 54.2x, down from 65.5x last quarter — elevated, raising questions about debt serviceability. The current ratio has weakened 78.9% YoY to 0.02x, tightening the short-term liquidity position. Debt/Equity has declined for 3 consecutive quarters, reflecting a deleveraging trend.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 3.05 | 3.05 | 3.31 | 3.53 | 3.36 | 3.47 | 3.63 | 3.95 | 4.07 | 4.15 | 3.76 | 3.68 | 3.22 |
| — | -12.0% | -8.9% | -10.8% | -17.3% | -16.5% | -3.4% | +7.5% | +26.2% | +25.6% | +31.5% | +18.5% | +36.1% | |
| Debt / EBITDA | 19.96 | 54.22 | 65.49 | 120.57 | 147.13 | 98.29 | 190.48 | 283.47 | 205.89 | 201.75 | 321.64 | 132.71 | 107.67 |
| — | -44.8% | -65.6% | -57.5% | -28.5% | -51.3% | -40.8% | +113.6% | +91.2% | +162.8% | +359.8% | -33.0% | +112.4% | |
| Current Ratio | 0.02 | 0.02 | 0.15 | 0.15 | 0.14 | 0.11 | 0.15 | 0.16 | 0.16 | 0.16 | 0.33 | 0.15 | 0.15 |
| — | -78.9% | -3.5% | -4.7% | -9.6% | -28.0% | -53.6% | +4.2% | +5.9% | +6.8% | +155.0% | +16.3% | +18.6% | |
| Quick Ratio | 0.02 | 0.02 | 0.15 | 0.15 | 0.14 | 0.11 | 0.15 | 0.16 | 0.16 | 0.16 | 0.33 | 0.15 | 0.15 |
| — | -78.9% | -3.5% | -4.7% | -9.6% | -28.0% | -53.6% | +4.2% | +5.9% | +6.8% | +155.0% | +16.3% | +18.6% | |
| Interest Coverage | 0.55 | 0.85 | 0.69 | 0.39 | 0.29 | 0.41 | 0.21 | 0.15 | 0.21 | 0.22 | 0.13 | 0.38 | 0.45 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
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Quick answers to the most common questions about buying HIFS stock.
Hingham Institution for Savings's current P/E is 11.5x. The average P/E over the last 4 quarters is 12.2x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Hingham Institution for Savings's current operating margin is 30.7%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Hingham Institution for Savings's business trajectory between earnings reports.