Saturday 17 October 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. In the quarter to June 2026, revenue grew 33.5%, EPS grew 168.3%, free cash flow fell 30.0% and total debt fell 10.6%, each against the same quarter a year earlier. Dividend growth for three consecutive years, revenue growth for three.
293.09
0.86
−0.29%
Follow HIFS
| Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 | Dec '20 | Dec '19 | Dec '18 | Dec '17 | Dec '16 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
11.35 | 19.62 | 16.15 | 15.92 | 13.33 | 9.09 | 11.52 | 13.88 | 16.71 | 19.07 |
Piotroski F-Score |
6 | 5 | 4 | 4 | 5 | 5 | 5 | 8 | 4 | 6 |
P/S ratio |
2.62 | 2.55 | 2.24 | 5.05 | 7.15 | 3.99 | 3.87 | 4.56 | 5.22 | 5.80 |
P/FCF ratio |
17.43 | 47.07 | 21.34 | 11.21 | 14.93 | 10.39 | 13.79 | 12.14 | 15.84 | 17.02 |
P/Operating CF |
81.24 | 353.07 | 76.85 | 58.69 | 53.46 | 34.45 | 55.56 | 42.41 | 54.35 | 56.94 |
P/B ratio |
1.29 | 1.28 | 1.05 | 1.55 | 2.54 | 1.58 | 1.81 | 1.98 | 2.31 | 2.65 |
Price to Tangible BV |
1.29 | 1.28 | 1.05 | 1.55 | 2.54 | 1.58 | 1.81 | 1.98 | 2.31 | 2.65 |
EV/Sales |
8.77 | 9.41 | 11.09 | 15.77 | 12.39 | 7.47 | 8.16 | 11.04 | 12.11 | 12.16 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
58.01 | 172.04 | 106.97 | 33.41 | 26.41 | 18.92 | 28.48 | 28.45 | 36.40 | 35.55 |
EV/FCF |
58.45 | 174.08 | 105.84 | 34.99 | 25.88 | 19.43 | 29.05 | 29.37 | 36.75 | 35.69 |
Quick Ratio |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.01 | 0.01 | 0.01 | 0.01 |
Current Ratio |
1.53 | 1.55 | 1.66 | 1.46 | 1.26 | 1.17 | 1.23 | 1.28 | 1.23 | 1.18 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
32.22% | 33.58% | 37.75% | 30.43% | 19.38% | 14.28% | 19.50% | 25.18% | 25.35% | 23.59% |
Debt/Equity |
3.05 | 3.47 | 4.15 | 3.31 | 1.88 | 1.39 | 2.04 | 2.85 | 3.11 | 2.95 |
Asset Turnover |
0.05 | 0.05 | 0.04 | 0.03 | 0.04 | 0.04 | 0.05 | 0.04 | 0.04 | 0.04 |
Operating CF/Net income |
0.66 | 0.42 | 0.75 | 1.49 | 0.87 | 0.90 | 0.85 | 1.18 | 1.07 | 1.07 |
Capex/Depreciation |
(0.29) | (0.18) | 0.21 | (3.14) | 1.00 | (0.89) | (0.47) | (0.90) | (0.20) | (0.07) |
| 11.97% | 6.72% | 6.65% | 10.13% | 20.83% | 18.80% | 16.93% | 15.25% | 14.84% | 15.67% | |
| 1.21% | 0.63% | 0.61% | 0.98% | 2.15% | 1.86% | 1.56% | 1.30% | 1.20% | 1.24% | |
ROIC |
2.35% | 1.19% | 1.05% | 2.05% | 5.71% | 6.31% | 4.50% | 3.29% | 3.66% | 3.95% |
Return on Tangible Assets |
3.98% | 2.01% | 1.67% | 3.18% | 10.66% | 13.25% | 8.97% | 6.59% | 7.22% | 8.84% |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
13.33% | 13.50% | 15.41% | 26.29% | 19.96% | 21.00% | 19.16% | 23.07% | 25.56% | 27.69% |
Intangible Assets out of Total Assets |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Share Based Compensation of Revenue |
0.08% | 0.08% | 0.02% | 0.02% | 0.03% | 0.07% | 0.14% | 0.12% | 0.21% | 0.21% |
Graham Net Nets |
(0.24) | (0.25) | (0.35) | (0.23) | (0.07) | (0.12) | (0.23) | (0.41) | (0.58) | (0.56) |
Graham Number |
351.81 | 240.39 | 228.64 | 266.18 | 342.68 | 270.71 | 218.05 | 178.76 | 154.02 | 133.55 |
Earnings Yield |
8.81% | 5.10% | 6.19% | 6.28% | 7.50% | 11.00% | 8.68% | 7.21% | 5.98% | 5.25% |
Free Cash Flow Yield |
5.74% | 2.12% | 4.69% | 8.92% | 6.70% | 9.62% | 7.25% | 8.24% | 6.31% | 5.87% |
Revenue per Share |
108.57 | 99.85 | 88.59 | 55.16 | 58.76 | 54.07 | 54.25 | 43.34 | 38.66 | 34.49 |
Operating CF per Share |
16.41 | 5.46 | 9.18 | 26.04 | 27.56 | 21.33 | 15.54 | 16.82 | 12.87 | 11.80 |
Capex per Share |
(0.12) | (0.06) | 0.10 | (1.18) | 0.57 | (0.55) | (0.30) | (0.53) | (0.12) | (0.05) |
Free Cash Flow per Share |
16.29 | 5.40 | 9.28 | 24.86 | 28.13 | 20.78 | 15.24 | 16.29 | 12.75 | 11.75 |
Cash per Share |
3.06 | 1.92 | 2.63 | 3.70 | 2.54 | 3.18 | 4.24 | 3.75 | 5.09 | 3.67 |
Shareholders Equity per Share |
219.95 | 198.33 | 189.50 | 179.94 | 165.63 | 137.08 | 115.85 | 99.66 | 87.28 | 75.56 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
219.95 | 198.33 | 189.50 | 179.94 | 165.63 | 137.08 | 115.85 | 99.66 | 87.28 | 75.56 |
Free Cash Flow |
35.53 | 11.75 | 19.96 | 53.33 | 60.23 | 44.41 | 32.52 | 34.74 | 27.19 | 25.04 |
Working Capital |
1,354.76 | 1,386.28 | 1,566.21 | 1,163.02 | 616.93 | 367.95 | 419.25 | 446.53 | 342.80 | 250.48 |
Capital Expenditures |
(0.27) | (0.14) | 0.21 | (2.53) | 1.22 | (1.18) | (0.65) | (1.12) | (0.26) | (0.10) |
Net Current Asset Value |
(148.04) | (139.40) | (147.87) | (134.99) | (66.56) | (56.75) | (102.08) | (174.14) | (249.20) | (236.58) |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.00 | 0.00 | 0.00 | 0.02 | (0.01) | 0.01 | 0.01 | 0.01 | 0.00 | 0.00 |
Price to Operating Income |
8.51 | 15.15 | 12.09 | 11.01 | 9.70 | 6.58 | 8.38 | 9.87 | 9.76 | 10.72 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.06 | 0.05 | 0.06 | 0.05 | 0.08 | 0.09 | 0.09 | 0.09 | 0.09 | 0.09 |
Cash ROIC |
1.82% | 0.61% | 0.95% | 3.19% | 5.88% | 6.27% | 4.27% | 4.20% | 3.50% | 3.89% |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.05 | 0.06 | 0.05 | 0.01 | 0.00 | 0.01 | 0.02 | 0.02 | 0.01 | 0.01 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
7,023.76 | 6,003.19 | 6,809.63 | 27,799.31 | 108,820.80 | 36,903.63 | 16,594.37 | 20,229.75 | 31,842.86 | 37,252.88 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
2,520.21 | 2,421.04 | 2,427.63 | 2,449.08 | 2,266.03 | 1,980.02 | 1,696.99 | 1,539.51 | 1,435.99 | 1,291.57 |
Average Assets |
4,500.21 | 4,470.86 | 4,338.87 | 3,812.48 | 3,144.13 | 2,723.72 | 2,499.47 | 2,346.59 | 2,149.60 | 1,891.56 |
Average Common Equity |
455.73 | 419.69 | 396.79 | 370.29 | 323.78 | 270.08 | 229.90 | 199.37 | 173.59 | 149.52 |
Columns are period end dates · fundamentals updated 2 Oct 2026