Pricing Log in Create free account
Friday 6 November 2026 Export HIFS’s income statement to Excel — free account

Hingham Institution for Savings

HIFS Financial Banks Regional

Hingham Institution for Savings' revenue for fiscal 2025 (year ended December 2025) was $236.8 million, up 8.93% from fiscal 2024.

Revenue
+33.5%
EPS
+168.3%
Free cash flow
−30.0%
Total debt
−10.6%

Quarter to June 2026, against a year earlier

295.08 7.38 −2.44%
Market cap
$659.4M
P/E
10.0×
Fwd P/E
—
Dividend yield
0.62%
F-score
6/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — — — — —
Sell — — — — — — — — — — — —
Insider Ownership 18.94%

Capital & Financial Ratios $m

Size
Market Cap 659.44
Revenue ttm 245.70
Net income ttm 66.31
Free cash flow ttm 35.45
Net debt Q 1,399.85
Valuation
P/E 10.02
Forward P/E —
Price / sales 2.71
Forward P/S Powerpack
Price / FCF 18.81
Price / book 1.31
Financial health
Current ratio Q 1.50
Debt / equity Q 2.77
Interest coverage Q —
Growth
Revenue growth Q +33.46% (above 0%: growing)
Operating income growth Q +160.23% (above 0%: growing)
EPS, this year —
EPS, next year A —
Revenue, next year A —
EPS, past 5 yrs +1.27%
EPS, next 5 yrs A —

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 11.07%
10-year low 10-year high
P/S against its own 10 years 22.11%
10-year low 10-year high
P/B against its own 10 years 26.55%
10-year low 10-year high

Dividends

Yield
0.62%
Annual rate
1.89
Payout ratio
6.30%
Growth, 2018–26
+3.92%/yr
  1. 1.39 ’18
  2. 1.17 ’19 −16
  3. 1.77 ’20 +51
  4. 1.53 ’21 −14
  5. 3.03 ’22 +98
  6. 2.52 ’23 −17
  7. 1.89 ’24 −25
  8. 2.52 ’25 +33
  9. 1.89 ’26 −25
paid change on the year, %

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 6 4 7 5
Receivables — — — —
Inventory — — — —
Other — — — —
3,928 3,887 3,915 3,919
2023 2024 2025 Q'26
Payables 2,350 2,492 2,548 2,594
ST’ Debt — — — —
Other — — — —
2,362 2,500 2,560 2,605

Compound Annual Growth %

10y 5y 3y
Sales 14.09% 15.43% 26.02%
Cash Flow 5.88% (4.72%) (13.79%)
Earnings 10.92% 1.45% 13.29%
Book Value 13.27% 10.37% 7.52%

EPS $

Mar Jun Sep Dec Year
’26 1.29 11.49 — — —
’25 3.24 4.28 7.85 9.39 24.76
’24 3.13 1.88 2.66 5.16 12.85
’23 3.87 3.76 1.50 2.89 12.02
’22 5.38 1.45 4.77 5.44 17.04
’21 7.45 9.28 6.36 7.56 30.65
’20 1.00 7.50 6.96 7.78 23.25
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 42 72 — — —
’25 51 54 64 67 237
’24 54 52 53 59 217
’23 45 48 46 53 191
’22 26 18 32 42 118
’21 31 35 28 32 126
’20 19 34 31 32 116
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 13 4 — — —
’25 11 6 11 8 36
’24 4 3 4 2 12
’23 4 4 6 6 20
’22 19 11 16 10 56
’21 14 12 16 17 59
’20 10 14 8 13 46
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 13 4 — — —
’25 11 5 11 8 36
’24 4 3 4 2 12
’23 4 5 7 4 20
’22 18 11 15 9 53
’21 14 15 15 16 60
’20 10 14 8 13 44
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Jun ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 74 82 92 116 116 126 118 191 217 237 246 +13.9% — — — —
Gross margin, % 81.79 79.07 69.29 65.41 81.69 93.62 72.20 33.90 30.29 44.07 49.39 (37.7) pt
EBT 40 44 43 54 70 93 54 35 37 73 88 +6.9%
EBT margin, % 54.10 53.51 46.23 46.25 60.69 73.66 45.91 18.49 16.80 30.74 35.71 (23.4) pt
Net income 23 26 30 39 51 67 38 26 28 55 66 +9.8%
Per share, $
Per share, $ Revenue 34.49 38.66 43.34 54.25 54.07 58.76 55.16 88.59 99.85 108.57 111.88 +13.6%
Earnings 10.99 12.08 14.25 18.24 23.76 31.50 17.49 12.26 12.95 25.01 30.31 +9.6%
Cash flow 11.80 12.87 16.82 15.54 21.33 27.56 26.04 9.18 5.46 16.41 16.23 +3.7%
Capex (0.05) (0.12) (0.53) (0.30) (0.55) 0.57 (1.18) 0.10 (0.06) (0.12) (0.09) +11.4%
Free cash flow 11.75 12.75 16.29 15.24 20.78 28.13 24.86 9.28 5.40 16.29 16.14 +3.7%
Book value 75.56 87.28 99.66 115.85 137.08 165.63 179.94 189.50 198.33 219.95 231.07 +12.6%
Shares, m 2 2 2 2 2 2 2 2 2 2 2 +0.3%
Valuation, ×
Valuation, × P/E 19.07 16.71 13.88 11.52 9.09 13.33 15.92 16.15 19.62 11.35 10.02 14.7
P/S 5.80 5.22 4.56 3.87 3.99 7.15 5.05 2.24 2.55 2.62 2.71 4.3
P/B 2.65 2.31 1.98 1.81 1.58 2.54 1.55 1.05 1.28 1.29 1.31 1.8
EV/Sales 12.16 12.11 11.04 8.16 7.47 12.39 15.77 11.09 9.41 8.77 — 10.8
EV/FCF 35.69 36.75 29.37 29.05 19.43 25.88 34.99 105.84 174.08 58.45 — 55.0
Cash, $m
Cash, $m Operating cash flow 25 27 36 33 46 59 56 20 12 36 36 +4.0%
Capex 0 0 (1) (1) (1) 1 (3) 0 0 0 0 +11.7%
Free cash flow 25 27 35 33 44 60 53 20 12 36 35 +4.0%
Balance, $m
Balance, $m Working capital 250 343 447 419 368 617 1,163 1,566 1,386 1,355 1,314 +20.6%
Net debt 468 568 599 496 401 660 1,268 1,687 1,493 1,457 1,400 +13.5%
Shareholders’ equity 161 186 213 247 293 355 386 408 432 480 507 +12.9%
Returns, %
Returns, % ROA 1.24 1.20 1.30 1.56 1.86 2.15 0.98 0.61 0.63 1.21 1.46 0.0 pt
ROIC 3.95 3.66 3.29 4.50 6.31 5.71 2.05 1.05 1.19 2.35 2.88 (1.6) pt
ROE 15.67 14.84 15.25 16.93 18.80 20.83 10.13 6.65 6.72 11.97 13.91 (3.7) pt
People
People Employees 103 101 96 90 87 76 92 91 92 97 — (0.7%)
Revenue/emp, $m 0.71 0.82 0.96 1.29 1.33 1.66 1.29 2.09 2.36 2.44 — +14.6%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026 · fundamentals updated 2 Oct 2026

Hingham Institution for Savings vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
CBNK Capital Bancorp, Inc. $695.6M 12.5× 12.0× +8.53% (above 0%: growing) +10.13% (above 0%: growing) −18.20% (below 0%: shrinking) 77.43% 0.00% Compare
BHB Bar Harbor Bankshares, Inc. $691.9M 13.9× 11.2× +26.82% (above 0%: growing) +127.50% (above 0%: growing) +563.60% (above 0%: growing) 73.41% 0.00% Compare
BCAL California BanCorp $690.8M 11.7× 12.2× −3.68% (below 0%: shrinking) +2.33% (above 0%: growing) +6.82% (above 0%: growing) 79.50% 0.00% Compare
RRBI Red River Bancshares, Inc. $687.9M 15.0× 14.2× +6.30% (above 0%: growing) +18.54% (above 0%: growing) +237.31% (above 0%: growing) 76.50% 0.00% Compare
ACNB ACNB Corporation $666.0M 12.1× 11.3× +6.05% (above 0%: growing) +8.39% (above 0%: growing) −101.87% (below 0%: shrinking) 81.15% 0.00% Compare
CCB Coastal Financial Corporation $661.2M — (loss-making) 1,443× +37.72% (above 0%: growing) 0.00% −104.10% (below 0%: shrinking) 85.92% 0.00% Compare
HIFS Hingham Institution for Savings $659.4M 10.0× — +33.46% (above 0%: growing) +168.29% (above 0%: growing) −29.97% (below 0%: shrinking) 59.45% 0.00%
MSBI Midland States Bancorp, Inc. $657.4M 14.0× 9.6× −1.90% (below 0%: shrinking) +295.83% (above 0%: growing) −51.81% (below 0%: shrinking) 73.94% 0.00% Compare
TCBX Third Coast Bancshares, Inc. $653.2M 8.5× 10.3× +17.59% (above 0%: growing) −6.48% (below 0%: shrinking) −64.01% (below 0%: shrinking) 58.27% 0.00% Compare
Median of peers $677.0M 12.5× 11.7× +7.42% +9.26% −35.00% 76.97% 0.00%

All 327 Banks Regional stocks →

Hingham Institution for Savings (HIFS) Latest News

18 Oct

Impact 3 · · Simply Wall St.

16 Oct

Impact 3 · · Associated Press
Impact 3 · · GlobeNewswire

17 Jul

Impact 3 ·

17 Apr

Impact 4 · · GlobeNewswire

21 Jan

Impact 4 · · Simply Wall St.

16 Jan

Impact 4 · · Associated Press Finance
Impact 4 · · GlobeNewswire

23 Dec

Impact 4 · · Simply Wall St.

5 Dec

Impact 3 ·

24 Nov

Impact 4 ·
Impact 3 · · GlobeNewswire

13 Oct

Impact 4 · · Associated Press Finance

10 Oct

Impact 4 · · GlobeNewswire

6 Oct

Impact 4 · · Simply Wall St.

29 Aug

Impact 4 · · Simply Wall St.

31 Jul

Impact 3 · · Simply Wall St.

14 Jul

Impact 4 · · Simply Wall St.

11 Jul

Impact 4 ·
Impact 3 · · Associated Press Finance

17 Jun

Impact 3 · · Simply Wall St.

10 May

Impact 3 ·

11 Apr

Impact 4 · · GlobeNewswire earnings
Impact 3 ·

26 Mar

Impact 3 ·

8 Mar

Impact 3 ·

4 Mar

Impact 4 ·

27 Jan

Impact 4 ·

22 Jan

Impact 4 · · Simply Wall St.

19 Jan

Impact 3 · · Simply Wall St.
stockrow.com/HIFS · Data as of Oct 2, 2026 · For information only; not investment advice. · © 2026 stockrow.com