Hingham Institution for Savings

Hingham Institution for Savings

HIFS
Hingham Institution for SavingsUS flagNASDAQ Global Market
295.62
USD
+3.99
- -
644.53MMarket Cap
Hingham Institution for Savings
HIFS
(NASDAQ Global Market)

Recent

price

295.62

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
15.7
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
45.49
Revenue per Share
4.82
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
23.04
Basic EPS, GAAP
5
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
17.04
Free Cash Flow per Basic Share
1.15
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
3.22
Dividend per Share
29.25
33.66
38.6
43.5
51.84
59.47
68.85
78.64
94.1
110.12
131.25
159.68
173.85
182.92
191.17
212.61
213.16
Book Value per Share
34.24
38.71
43.65
48.5
57.08
64.83
75.56
87.28
99.66
115.85
137.08
165.63
179.94
189.5
198.33
219.95
221.17
Tangible Book Value per Share
2
2
2
2
2
2
2
2
2
2
2
2
2
2
2
2
2
Basic Weighted Avg Shares
33
38
40
40
54
52
60
65
64
76
94
115
85
65
66
104
99
Sales/Revenue/Turnover
51.2
- -
56.67
55.91
61.73
62.51
66.15
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
- -
1
1
1
1
1
1
1
1
1
1
1
- -
1
1
1
1
Depreciation Expense
10
12
13
13
22
19
23
26
30
39
51
67
38
26
28
55
50
Net Income, GAAP
40.1
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
25.13
Effective Tax Rate (%)
30.66
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
50.64
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
208
249
235
304
331
403
476
580
607
506
408
665
1,276
1,693
810
797
1,414
LT Debt
73
82
93
103
122
138
161
186
213
247
293
355
386
408
432
480
483
Total Equity
3.6
- -
4.03
3.64
5.18
3.89
3.97
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
17.55
18.05
17.31
15.31
21.94
16.33
17.14
16.38
16.5
17.87
19.7
21.68
10.5
6.88
6.96
12.4
11.34
Return on Common Equity (%)

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
667
- -
LT Borrowings
1,526
797
1,414
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
2
2
2
Market Capitalization
575
619
624

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
360
370
387
Accounts Receivable, Net
9
9
9
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
15
12
12
ST Debt
- -
667
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
13.38%
10.51%
11.11%
Free Cash Flow
21.71%
24.75%
202.25%
Net Income, GAAP
16.67%
11.84%
93.51%
Sales/Revenue/Turnover
9.66%
6.52%
58.47%
Total Cash Common Dividend
3.1%
3.02%
0.24%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
15
13
15
22
66
2025
18
21
31
35
104
2026
13
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
3.17
1.88
2.68
- -
12.95
2025
3.27
4.32
7.93
- -
25.01
2026
1.3
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.63
0.63
0.63
- -
2.52
2025
0.63
0.63
0.63
- -
2.52
2026
1.33
- -
- -
- -
- -
Business
Hingham Institution for Savings (HIFS) operates as a publicly traded savings bank focused on commercial real estate lending, residential mortgages, and relationship-based deposit services for individuals, families, businesses, nonprofits, property managers, and institutions. Incorporated in 1834 and headquartered in Hingham, Massachusetts, the bank offers checking, savings, money market, and certificate of deposit accounts; commercial mortgage loans secured primarily by multifamily properties; residential real estate loans including jumbo fixed- and adjustable-rate mortgages; construction loans; home equity lines; commercial business loans; consumer loans; cash management solutions; debit cards; ATMs; and digital banking platforms such as online banking, mobile deposit, ACH, and wire transfers. It serves customers through offices in Hingham, Boston, and Nantucket in Massachusetts; Washington, D.C.; and San Francisco, California, with a portfolio exceeding $3.8 billion in net loans and total assets of approximately $4.46 billion as of year-end 2024. The bank maintains a conservative underwriting culture with zero commercial lending losses over the past decade and emphasizes operational efficiency, achieving a 63.79% efficiency ratio in 2024 despite yield curve challenges. Recent developments include 17% growth in non-interest-bearing deposits through its Specialized Deposit Group, addition of relationship managers and operational specialists in San Francisco and Washington, D.C., recruitment of a local commercial real estate lender in San Francisco, expansion of its Washington loan portfolio beyond $1.2 billion, origination of approximately $550 million in affordable housing and community development loans over three years, increased equity investments to 24% of shareholders' equity focused on finance and technology sectors, and strategic adjustments such as FHLB option advances and loan rate reset modifications for rate-shock protection.

Company News

APIChatGPT
  • Bessemer Group Inc. Takes Position in Hingham Institution for Savings $HIFS

  • Hingham Reports Second Quarter 2026 Results

  • Hingham Institution for Savings (NASDAQ:HIFS) Shares Down 8.1% – Should You Sell?

  • Hingham Institution for Savings (NASDAQ:HIFS) Share Price Crosses Below 200-Day Moving Average – Time to Sell?

  • Hingham Institution for Savings (NASDAQ:HIFS) versus Merchants Bancorp (NASDAQ:MBIN) Critical Review

  • Hingham Savings Reports 2025 Results

  • Hingham Institution for Savings (NASDAQ:HIFS) Stock Passes Below 200 Day Moving Average – Should You Sell?

  • Market Today: Dow Record on Energy Rally; Novo Pill, AT&T Move

  • First Look: Safe-Haven Rally, CES AI Push, Berkshire Shift

  • Hingham Savings Authorizes Stock Repurchase Program

  • Bank stock sell-off due to fear with First Brands, says Commerce Street's Dory Wiley

  • Hingham Savings Reports Third Quarter 2025 Results

  • Hingham Institution for Savings: The Only Bank Stock You Need To Own

  • Hingham Savings Reports Second Quarter 2025 Results

  • Hingham Savings Reports First Quarter 2025 Results

  • Hingham Savings Reports 2024 Results

  • Hingham Savings Declares Regular Dividend

  • Hingham Savings Reports Third Quarter 2024 Results

  • Hingham Savings Reports Second Quarter 2024 Results

  • Hingham Institution For Savings: Why It's One Of My Favorite Banks In The U.S.