Last 46 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 | Q2 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 11.62 | 55.40 | 7.56 | 8.40 | 14.51 | 18.35 | 12.27 | 22.87 | 23.79 | 13.93 | 16.82 | 31.13 | 14.17 | 15.08 | 12.68 | 13.16 | 48.93 | 15.95 | 13.88 | 13.24 | 7.83 |
| — | +201.9% | -38.4% | -63.3% | -39.0% | +31.7% | -27.1% | -26.5% | +67.8% | -7.6% | +32.6% | +136.5% | -71.0% | -5.4% | -8.7% | -0.6% | +525.2% | +67.5% | +100.0% | +100.3% | +39.9% | |
| P/S Ratio | 6.01 | 12.69 | 4.47 | 4.70 | 6.56 | 7.45 | 6.30 | 8.79 | 7.47 | 6.25 | 6.92 | 8.68 | 6.25 | 6.82 | 6.26 | 6.16 | 10.80 | 7.79 | 7.72 | 7.10 | 5.12 |
| — | +70.4% | -28.9% | -46.5% | -12.2% | +19.1% | -9.0% | +1.3% | +19.6% | -8.4% | +10.5% | +40.9% | -42.2% | -12.4% | -18.9% | -13.2% | +110.9% | +40.6% | +89.3% | +88.6% | +58.1% | |
| P/B Ratio | 1.32 | 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 | 1.57 | 1.47 | 1.70 | 2.07 | 2.61 | 2.18 | 1.95 |
| — | +9.4% | +0.8% | -0.7% | +30.8% | +29.6% | +24.2% | +24.5% | -19.8% | -29.4% | -33.6% | -30.6% | -31.4% | -36.9% | -39.8% | -32.6% | -12.7% | +2.6% | +61.8% | +50.7% | +40.9% | |
| P/FCF | 17.66 | 12.03 | 20.82 | 13.05 | 25.29 | 11.42 | 90.20 | 36.96 | 34.12 | 25.69 | 25.06 | 18.97 | 31.44 | 32.26 | 16.11 | 9.31 | 14.77 | 10.23 | 14.17 | 12.09 | 13.37 |
| — | +5.3% | -76.9% | -64.7% | -25.9% | -55.5% | +260.0% | +94.8% | +8.5% | -20.4% | +55.5% | +103.7% | +112.9% | +215.3% | +13.7% | -23.0% | +10.4% | -9.4% | +59.4% | -8.1% | +103.9% | |
| EV / EBITDA | 28.42 | 116.48 | 19.16 | 18.75 | 33.70 | 40.83 | 27.98 | 52.80 | 71.81 | 51.75 | 52.31 | 101.89 | 35.73 | 37.72 | 22.87 | 21.16 | 63.15 | 19.41 | 14.24 | 11.58 | 6.46 |
| — | +185.3% | -31.5% | -64.5% | -53.1% | -21.1% | -46.5% | -48.2% | +101.0% | +37.2% | +128.7% | +381.5% | -43.4% | +94.3% | +60.6% | +82.7% | +877.7% | +167.2% | +106.2% | +74.3% | +9.3% | |
| EV / EBIT | 28.64 | 121.67 | 19.29 | 18.90 | 34.20 | 41.59 | 28.33 | 54.04 | 74.23 | 52.99 | 53.56 | 106.12 | 36.23 | 38.21 | 23.05 | 21.33 | 64.48 | 19.56 | 14.32 | 11.67 | 6.49 |
| — | +192.6% | -31.9% | -65.0% | -53.9% | -21.5% | -47.1% | -49.1% | +104.9% | +38.7% | +132.4% | +397.6% | -43.8% | +95.3% | +61.0% | +82.8% | +893.4% | +167.0% | +106.0% | +73.8% | +9.0% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 | Q2 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 43.6% | 28.4% | 52.4% | 47.5% | 37.7% | 33.7% | 37.8% | 28.5% | 25.0% | 28.4% | 28.8% | 25.1% | 38.3% | 41.6% | 55.6% | 70.2% | 66.8% | 88.0% | 90.5% | 90.1% | 92.6% |
| — | -15.8% | +38.5% | +66.6% | +51.1% | +18.6% | +31.6% | +13.6% | -34.8% | -31.9% | -48.3% | -64.3% | -42.6% | -52.7% | -38.6% | -22.1% | -27.9% | -3.0% | +0.7% | +4.5% | +12.6% | |
| Operating Margin | 30.7% | 10.0% | 40.4% | 35.9% | 23.8% | 19.1% | 25.6% | 14.8% | 10.9% | 14.9% | 15.6% | 9.8% | 22.9% | 26.0% | 38.8% | 48.4% | 31.3% | 64.4% | 72.4% | 70.2% | 83.6% |
| — | -47.9% | +57.6% | +142.9% | +118.6% | +28.3% | +64.2% | +50.2% | -52.6% | -42.7% | -59.8% | -79.7% | -26.8% | -59.6% | -46.4% | -31.1% | -62.5% | -11.8% | -0.2% | +2.5% | +26.3% | |
| Net Margin | 23.0% | 6.8% | 31.0% | 26.8% | 17.4% | 13.9% | 19.4% | 11.0% | 7.9% | 12.8% | 12.0% | 7.2% | 17.3% | 19.1% | 28.2% | 33.3% | 17.7% | 45.1% | 52.4% | 50.3% | 61.7% |
| — | -51.2% | +60.0% | +144.1% | +119.7% | +8.4% | +61.1% | +52.8% | -54.2% | -32.9% | -57.3% | -78.4% | -2.4% | -57.7% | -46.3% | -33.7% | -71.3% | -15.4% | -1.4% | +1.0% | +26.6% |
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 | Q2 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 12.0% | 0.6% | 4.4% | 3.8% | 2.1% | 1.6% | 2.7% | 1.4% | 1.0% | 1.7% | 1.6% | 0.8% | 2.1% | 2.2% | 3.1% | 2.8% | 0.9% | 3.3% | 4.8% | 4.2% | 6.4% |
| — | -63.8% | +65.1% | +173.5% | +116.0% | -1.9% | +70.9% | +69.5% | -52.6% | -23.5% | -50.3% | -70.9% | +138.9% | -33.7% | -34.6% | -32.7% | -86.4% | -39.4% | -19.6% | -25.2% | +0.7% | |
| ROA | 1.2% | 0.1% | 0.5% | 0.4% | 0.2% | 0.2% | 0.3% | 0.1% | 0.1% | 0.2% | 0.1% | 0.1% | 0.2% | 0.2% | 0.3% | 0.3% | 0.1% | 0.3% | 0.5% | 0.5% | 0.7% |
| — | -60.5% | +78.8% | +192.7% | +129.1% | +4.1% | +78.7% | +71.2% | -53.2% | -24.8% | -50.7% | -70.8% | +132.0% | -39.6% | -42.7% | -42.9% | -88.1% | -41.6% | -17.3% | -18.3% | +15.6% | |
| ROIC | 2.8% | 0.2% | 1.0% | 0.9% | 0.5% | 0.4% | 0.6% | 0.3% | 0.2% | 0.3% | 0.3% | 0.2% | 0.5% | 0.5% | 0.8% | 0.8% | 0.3% | 1.1% | 2.0% | 2.2% | 3.6% |
| — | -57.3% | +77.1% | +195.4% | +142.3% | +34.4% | +89.8% | +64.0% | -56.4% | -45.5% | -61.4% | -76.9% | +50.3% | -53.6% | -59.8% | -64.6% | -91.3% | -57.8% | -22.0% | -7.7% | +68.0% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 | Q2 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 3.05 | 2.93 | 3.05 | 3.31 | 3.53 | 3.36 | 3.47 | 3.63 | 3.95 | 4.07 | 4.15 | 3.76 | 3.68 | 3.22 | 3.31 | 2.85 | 3.10 | 2.37 | 1.88 | 1.14 | 0.87 |
| — | -12.9% | -12.0% | -8.9% | -10.8% | -17.3% | -16.5% | -3.4% | +7.5% | +26.2% | +25.6% | +31.5% | +18.5% | +36.1% | +76.3% | +149.4% | +256.2% | +196.6% | +34.6% | -20.2% | -40.3% | |
| Debt / EBITDA | 19.96 | 322.87 | 53.83 | 65.49 | 120.57 | 147.13 | 98.29 | 190.48 | 283.47 | 205.89 | 201.75 | 321.64 | 132.71 | 107.67 | 76.77 | 69.96 | 198.02 | 50.69 | 28.69 | 19.80 | 10.27 |
| — | +119.4% | -45.2% | -65.6% | -57.5% | -28.5% | -51.3% | -40.8% | +113.6% | +91.2% | +162.8% | +359.8% | -33.0% | +112.4% | +167.6% | +253.3% | +1828.4% | +363.7% | +64.7% | +4.9% | -40.4% | |
| Current Ratio | 0.02 | 70.28 | 0.02 | 0.15 | 0.15 | 0.14 | 0.11 | 0.15 | 0.16 | 0.16 | 0.16 | 0.33 | 0.15 | 0.15 | 0.15 | 0.13 | 0.13 | 0.13 | 0.12 | 0.09 | 0.09 |
| — | +48906.7% | -78.9% | -3.5% | -4.7% | -9.6% | -28.0% | -53.6% | +4.2% | +5.9% | +6.8% | +155.0% | +16.3% | +18.6% | +27.2% | +38.6% | +42.3% | +30.9% | +3.4% | -23.0% | -18.3% | |
| Quick Ratio | 0.02 | 70.28 | 0.02 | 0.15 | 0.15 | 0.14 | 0.11 | 0.15 | 0.16 | 0.16 | 0.16 | 0.33 | 0.15 | 0.15 | 0.15 | 0.13 | 0.13 | 0.13 | 0.12 | 0.09 | 0.09 |
| — | +48906.7% | -78.9% | -3.5% | -4.7% | -9.6% | -28.0% | -53.6% | +4.2% | +5.9% | +6.8% | +155.0% | +16.3% | +18.6% | +27.2% | +38.6% | +42.3% | +30.9% | +3.4% | -23.0% | -18.3% | |
| Interest Coverage | 0.55 | 0.14 | 0.85 | 0.69 | 0.39 | 0.29 | 0.41 | 0.21 | 0.15 | 0.21 | 0.22 | 0.13 | 0.38 | 0.45 | 0.90 | 1.68 | 1.60 | 8.48 | 12.68 | 11.16 | 14.53 |
| — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 46 years · Updated daily
Live VCP patterns, Cup & Handle overlays, support/resistance, and AI trade plans.
High-probability breakout stocks crossing their pivot across 5 pattern engines.
DCF models, multiple analysis, and analyst estimates.
10-year return with dividends reinvested.
Compare growth, multiples, and margins vs sector.
Quick answers to the most common questions about buying HIFS stock.
Hingham Institution for Savings's current P/E is 11.6x. The average P/E over the last 4 quarters is 21.5x. 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 compressing 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.