Hingham Institution For Savings (HIFS) AI Stock Analysis

• Market Cap: $541.68M
• Dividend Yield: 1%
• Average Volume (3M): 15.58K
• Price to Earnings (P/E): 19.2
• Beta (1Y): 1.04
• Revenue Growth: 7.69%
• EPS Growth: 13.82%
• Country: US
• Employees: 87
• Sector: Financial
• Sector Strength: 81
• Industry: Banks - Regional
• EPS (TTM): 12.94
• Shares Outstanding: 2,180,250
• 10 Day Avg. Volume: 11,252
• 30 Day Avg. Volume: 15,580
• PEG Ratio: 1.39
• Price to Book (P/B): N/A
• Price to Sales (P/S): 6.23
• Price to Cash Flow (P/CF): N/A
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

HIFS demonstrates solid financial performance with strong profitability and efficient cash management. However, the high debt level and neutral technical indicators pose risks. The stock's valuation is moderate, offering limited upside potential.

Hingham Institution For Savings Business Overview & Revenue Model

Company Description

Hingham 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.

How the Company Makes Money

Hingham Institution for Savings generates revenue primarily through interest earned on loans and advances. The bank's core revenue streams include interest income from residential and commercial real estate loans, as well as consumer loans. Additionally, HIFS earns non-interest income from fees and service charges related to its deposit products and financial services. The bank's earnings are further supported by its strategic focus on maintaining strong credit quality and disciplined cost management, ensuring profitability even in competitive market conditions. Key factors contributing to its revenue include a stable local customer base, prudent lending practices, and a strategic emphasis on real estate lending.

Hingham Institution For Savings Financial Statement Overview

Summary

Hingham Institution For Savings demonstrates financial stability with strong profitability metrics and effective cash management. However, the high debt levels and recent shifts in income metrics necessitate close monitoring of future performance and market conditions.

Income Statement

The income statement reveals a stable gross profit margin due to consistent revenue generation, although there is a noticeable decline in revenue growth over the years. The net profit margin is healthy, but EBIT and EBITDA are missing for the latest period, which might indicate a shift in financial reporting or strategy.

Balance Sheet

The balance sheet indicates a strong equity position with a favorable equity ratio and an improving return on equity. However, the debt-to-equity ratio is relatively high, suggesting potential risk if interest rates rise or market conditions worsen.

Cash Flow

The cash flow statement shows positive operating cash flow and consistent free cash flow generation, indicating efficient cash management. However, the fluctuations in free cash flow growth rate highlight potential volatility in cash generation.

Breakdown
Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
65.85M	63.49M	80.91M	114.75M	92.11M
	Gross Profit
65.85M	190.52M	80.91M	114.75M	92.11M
	EBIT
0.00	35.19M	87.21M	92.67M	70.13M
	EBITDA
0.00	35.91M	54.81M	93.21M	70.83M
	Net Income Common Stockholders
28.19M	26.37M	37.52M	67.46M	50.77M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
351.83M	362.48M	362.03M	271.16M	233.99M
	Total Assets
4.46B	4.48B	4.19B	3.43B	2.86B
	Total Debt
1.50B	1.69B	1.28B	665.00M	408.03M
	Net Debt
1.15B	1.33B	913.97M	393.84M	174.04M
	Total Liabilities
4.03B	4.08B	3.81B	3.08B	2.56B
	Stockholders Equity
431.75M	407.62M	385.97M	354.61M	292.94M
Cash Flow		Free Cash Flow
11.75M	18.45M	53.33M	57.41M	44.06M
	Operating Cash Flow
11.89M	19.75M	55.85M	59.01M	45.59M
	Investing Cash Flow
32.48M	-276.58M	-685.28M	-527.34M	-280.43M
	Financing Cash Flow
-55.02M	257.27M	720.30M	505.50M	216.68M

Hingham Institution For Savings Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 248.45
• 50DMA: Positive
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HIFS, the sentiment is Positive. The current price of 248.45 is above the 20-day moving average (MA) of 234.30, above the 50-day MA of 243.65, and below the 200-day MA of 248.65, indicating a neutral trend. The MACD of 1.11 indicates Negative momentum. The RSI at 57.08 is Neutral, neither overbought nor oversold. The STOCH value of 84.81 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for HIFS.

Hingham Institution For Savings Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
SMBK	74 Outperform	$514.61M	14.12	7.60%	1.06%	18.62%	26.65%
MPB	69 Neutral	$508.68M	9.07	8.38%	3.04%	20.62%	26.72%
SPFI	69 Neutral	$539.67M	11.39	11.75%	1.75%	13.74%	-18.39%
Sector *	63 Neutral	$12.33B	9.59	8.02%	79.26%	12.87%	-4.61%
HIFS	61 Neutral	$541.68M	19.20	6.68%	1.00%	7.69%	13.82%
PGC	61 Neutral	$478.79M	14.72	5.31%	0.74%	7.60%	-31.74%
FISI	43 Neutral	$468.36M	8.52	-8.14%	5.11%	-20.47%	-177.92%