Hingham Institution for Savings Financial Ratios — HS3 Stock

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	15.56	15.18	13.64	19.81	14.91	15.67	14.84	15.25	16.93	18.8	20.83	10.13	6.65	6.72	11.97
Return on Assets (%)	1.12	1.14	1.04	1.53	1.17	1.24	1.2	1.3	1.56	1.86	2.15	0.98	0.61	0.63	1.21
Return on Capital (%)	3.95	4.03	3.64	5.18	3.89	3.97	3.67	3.83	4.95	6.98	7.84	2.8	1.4	1.4	2.82
Return on Invested Capital (%)	- -	4.03	3.64	5.18	3.89	3.97	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	- -	58.23	57.55	63.15	63.97	67.36	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	56.67	55.91	61.73	62.51	66.15	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	23.03	78.93	37.32	90.97	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	54.19	56.67	55.91	61.73	62.51	66.15	67.67	66.71	70.71	74.47	80.28	63.59	54.57	55.45	69.74
Profit Margin (%)	32.14	33.62	33.06	41.14	36.9	38.96	39.5	47.46	51.4	53.91	58.44	43.93	40.85	42.81	52.27
Net Income to Common Margin (%)	32.14	33.62	33.06	41.14	36.9	38.96	39.5	47.46	51.4	53.91	58.44	43.93	40.85	42.81	52.27
Effective Tax Rate (%)	40.68	40.67	40.87	33.35	40.98	41.1	41.63	28.86	27.3	27.6	27.21	30.92	25.15	22.8	25.05
Dvd Payout Ratio (%)	21.66	20.47	21	13.1	23.55	13.82	13.41	12.14	11.18	9.72	8.57	17.54	25.68	19.45	10.07
Sustainable Growth Rate (%)	12.19	12.07	10.78	17.22	11.4	13.5	12.85	13.4	15.04	16.97	19.05	8.35	4.94	5.41	10.76

Credit (USD)

Credit Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	249	235	304	331	403	476	580	607	506	408	665	1,276	1,693	1,497	1,464
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	687	667
LT Debt	249	235	304	331	403	476	580	607	506	408	665	1,276	1,693	810	797
Total Debt/EBITDA	- -	10.23	13.05	9.67	12.03	11.76	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	- -	5.84	8.07	4.11	4.06	3.78	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	10.51	13.43	9.9	12.31	11.97	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	6	8.31	4.2	4.15	3.85	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	7.3	7.7	7.61	7.83	7.8	7.99	8.15	8.83	9.54	10.25	10.34	9.2	9.09	9.69	10.56
Long-Term Debt/Equity (%)	302.17	253.69	294.28	272.04	292.28	295.72	311.55	285.71	204.63	139.29	187.53	330.6	415.26	187.61	166.19
Long-Term Debt/Capital (%)	75.13	71.73	74.64	73.12	74.51	74.73	75.7	74.07	67.17	58.21	65.22	76.78	80.59	42	41.02
Long-Term Debt/Total Assets (%)	22.05	19.52	22.39	21.3	22.81	23.64	25.39	25.22	19.53	14.28	19.38	30.43	37.75	18.17	17.55
Total Debt/Equity (%)	302.17	253.69	294.28	272.04	292.28	295.72	311.55	285.71	204.63	139.29	187.53	330.6	415.26	346.72	305.15
Total Debt/Capital (%)	75.13	71.73	74.64	73.12	74.51	74.73	75.7	74.07	67.17	58.21	65.22	76.78	80.59	77.61	75.32
Total Debt/Total Assets (%)	22.05	19.52	22.39	21.3	22.81	23.64	25.39	25.22	19.53	14.28	19.38	30.43	37.75	33.58	32.22
Net Debt to Equity	144.45	144.77	182.04	115.56	98.66	95.17	120.73	146.48	102.64	59.41	111.06	236.8	326.33	265.24	228.1
Net Debt/Capital (%)	59.09	59.15	64.54	53.61	49.66	48.76	54.7	59.43	50.65	37.27	52.62	70.31	76.54	72.62	69.52
EBITDA	- -	23	23	34	34	40	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	19	21	34	33	40	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	- -	22	23	33	33	40	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	7.3	7.7	7.61	7.83	7.8	7.99	8.15	8.83	9.54	10.25	10.34	9.2	9.09	9.69	10.56
Long-Term Debt/Equity (%)	302.17	253.69	294.28	272.04	292.28	295.72	311.55	285.71	204.63	139.29	187.53	330.6	415.26	187.61	166.19
Long-Term Debt/Capital (%)	75.13	71.73	74.64	73.12	74.51	74.73	75.7	74.07	67.17	58.21	65.22	76.78	80.59	42	41.02
Long-Term Debt/Total Assets (%)	22.05	19.52	22.39	21.3	22.81	23.64	25.39	25.22	19.53	14.28	19.38	30.43	37.75	18.17	17.55
Total Debt/Equity (%)	302.17	253.69	294.28	272.04	292.28	295.72	311.55	285.71	204.63	139.29	187.53	330.6	415.26	346.72	305.15
Total Debt/Capital (%)	75.13	71.73	74.64	73.12	74.51	74.73	75.7	74.07	67.17	58.21	65.22	76.78	80.59	77.61	75.32
Total Debt/Total Assets (%)	22.05	19.52	22.39	21.3	22.81	23.64	25.39	25.22	19.53	14.28	19.38	30.43	37.75	33.58	32.22
CFO/Total Liabilities	1.61	1.23	1.27	1.27	1.24	1.36	1.31	1.63	1.42	1.78	1.92	1.47	0.48	0.3	0.88
CFO/CapEx	5.35	3.25	6.81	142.93	31.16	256.49	107.19	31.94	51.26	29.82	36.88	22.09	15.21	85.56	134.56
Altman's Z-Score	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	12.83	14.31	14.82	18.82	16.83	17.68	16.45	14.27	15.93	18.48	21.51	13.57	8.24	7.6	11.6
Days Sales Outstanding	28.45	25.51	24.63	19.39	21.68	20.64	22.19	25.58	22.91	19.75	16.97	26.9	44.31	48.02	31.46
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	434	545	605
- Cash & Cash Equivalents	130	101	116	190	267	323	355	296	252	234	271	362	362	352	370
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	249	235	304	331	403	476	580	607	506	408	665	1,276	1,693	1,497	1,464
Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1,765	1,690	1,699
Total Capital	331	328	407	452	541	637	766	820	753	701	1,020	1,662	2,100	1,929	1,944
Total Debt/Capital (%)	75.13	71.73	74.64	73.12	74.51	74.73	75.7	74.07	67.17	58.21	65.22	76.78	80.59	77.61	75.32
Total Debt / EV	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.96	0.89	0.86
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	27.33	25.66	16.28
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	89.33	142.09	47.48
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	95.62	143.77	47.83
Diluted Market Cap	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	441	548	611
Diluted Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1,771	1,693	1,705
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	816.05	775.09	778.7
TTM Sales	38	40	40	54	52	60	65	64	76	94	115	85	65	66	104
TTM EBITDA	- -	23	23	34	34	40	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	22	23	33	33	40	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	17	14	16	18	20	25	27	36	33	46	59	56	20	12	36
TTM Free Cash Flow to Firm	14	9	14	18	20	25	27	35	33	44	57	53	18	12	36

Multiples (USD)

Valuation Multiples API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	23.87	46.64	17.19
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1,765	1,690	1,699
Low Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	152.98	158.58	206.31
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	27.33	25.66	16.28
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	16.39	19.29	11.09
Price/Earnings Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	14.54	16.39	10.44
Price/Earnings High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	18.15	22.97	12.67
Price/Earnings Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	12.48	12.25	8.25
Price/Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.07	1.26	1.26
Price/Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.95	1.07	1.19
Price/Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.18	1.5	1.44
Price/Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.81	0.8	0.94
Price/Tangible Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.07	1.26	1.26
Price/Tangible Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.95	1.07	1.19
Price/Tangible Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.18	1.5	1.44
Price/Tangible Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.81	0.8	0.94
Price/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	6.69	8.26	5.8
Price/Sales Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	5.94	7.02	5.46
Price/Sales High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	7.41	9.83	6.62
Price/Sales Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	5.1	5.24	4.31
Price/Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	21.88	45.73	16.9
Price/Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	19.41	38.85	15.91
Price/Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	24.23	54.46	19.31
Price/Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	16.66	29.03	12.57
Price/Free Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	21.18	39.61	16.19
Price/Free Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	26.44	55.53	19.65
Price/Free Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	18.18	29.6	12.79
EV/Sales Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	26.57	24.42	15.95
EV/Sales High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	28.06	27.24	17.11
EV/Sales Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	25.73	22.64	14.8
EV/EBITDA Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	200.91	249.84	277.29
High Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	222.52	297.49	316.83
Enterprise Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1,716	1,608	1,664
Enterprise Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1,811	1,794	1,786
Enterprise Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1,661	1,491	1,544

Shares Outstanding	2	2	2	2	2	2	2	2	2	2	2	2	2	2	2
Diluted Weighted Avg Shares	2	2	2	2	2	2	2	2	2	2	2	2	2	2	2
Basic Weighted Avg Shares	2	2	2	2	2	2	2	2	2	2	2	2	2	2	2
Revenue per Share	17.66	18.59	19.01	25.42	24.63	28.21	30.57	30.03	35.49	44.07	53.92	39.82	30.01	30.25	47.85
EBITDA per Share	- -	10.83	10.94	16.05	15.75	19	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	10.54	10.63	15.69	15.4	18.66	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	5.68	6.25	6.28	10.46	9.09	10.99	12.08	14.25	18.24	23.76	31.51	17.49	12.26	12.95	25.01
Basic EPS from Cont Ops	5.68	6.25	6.28	10.46	9.09	10.99	12.08	14.25	18.24	23.76	31.51	17.49	12.26	12.95	25.01
Diluted EPS, GAAP	5.67	6.25	6.28	10.44	9.02	10.88	11.81	13.9	17.83	23.26	30.65	17.04	12.03	12.85	24.76
Diluted EPS from Cont Ops	5.67	6.25	6.28	10.44	9.02	10.88	11.81	13.9	17.83	23.26	30.65	17.04	12.03	12.85	24.76
Dividend per Share	1.23	1.28	1.32	1.37	2.14	1.52	1.62	1.73	2.04	2.31	2.7	3.07	3.15	2.52	2.52
Cash Flow per Share	7.92	6.43	7.48	8.53	9.5	11.8	12.86	16.82	15.54	21.33	27.56	26.04	9.18	5.46	16.41
Free Cash Flow per Basic Share	6.44	4.45	6.38	8.47	9.19	11.75	12.74	16.29	15.24	20.62	26.81	24.86	8.58	5.4	16.29
Cash & Equivalents per Share	106.52	95.94	104.39	122.47	144.6	164.15	182.64	138.78	118.07	109.45	126.57	168.59	167.63	161.37	169.37
Book Value per Share	38.7	43.65	48.49	57.08	64.83	75.5	87.29	99.67	115.75	137.02	165.52	179.74	188.5	198.03	219.82
Tangible Book Value per Share	38.7	43.65	48.49	57.08	64.83	75.5	87.29	99.67	115.75	137.02	165.52	179.74	188.5	198.03	219.82

Hingham Institution for Savings

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)