Saturday 17 October 2026 Export HIFS’s income statement to Excel — free account

Hingham Institution for Savings

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%

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Market cap: $640.9M
P/E: 9.7×
Fwd P/E: —
Dividend yield: 0.86%
F-score: 6/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	—	—	—	—	—	—	—	—	—	—
Sell	—	—	—	—	—	—	—	—	—	—	—	—

Insider Ownership 18.94%

Capital & Financial Ratios $m

Market Cap 640.88

Revenue 245.70

Net Income 66.31

Free Cash Flow 35.45

Net Debt 1,399.85

Current Ratio 1.50

Debt/Equity 2.77

P/E ratio 9.67

Fwd P/E —

P/S ratio 2.62

P/B ratio 1.27

Past 5Y EPS Growth 1.27%

This Y EPS Growth —

Next Y EPS Growth —

Next Y revenue growth —

Next 5Y EPS Growth —

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 6.75%

10-year low 10-year high

P/S against its own 10 years 18.13%

10-year low 10-year high

P/B against its own 10 years 20.68%

10-year low 10-year high

Dividends

Payout Ratio 0.08

Annual Dividend Rate 2.52

Annual Dividend Yield 0.86%

	total	individual payouts
2026	1.89	0.63 0.63 0.63
2025	2.52	0.63 0.63 0.63 0.63
2024	1.89	0.63 0.63 0.63
2023	2.52	0.63 0.63 0.63 0.63
2022	3.66	0.57 0.59 0.61 0.63 1.26
2021	1.53	0.49 0.51 0.53 0.75
2020	2.18	0.41 0.42 0.43 0.45 0.47
2019	1.54	0.37 0.38 0.39 0.40
2018	1.39	0.34 0.34 0.35 0.36
2017	1.30	0.32 0.32 0.32 0.34
2016	0.92	0.30 0.30 0.30 0.32

special payouts not included in total or ratios

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%

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.

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.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	115.80	148.02	194.03	163.00	125.55	214.00	242.99	147.01	150.11	209.71	Analyst estimates 2026–2028 Powerpack
	High	203.01	242.00	233.13	212.59	230.02	424.50	432.19	311.18	300.00	320.00
People
People	Employees	103	101	96	90	87	76	92	91	92	97
	Revenue/emp, $m	0.71	0.82	0.96	1.29	1.33	1.66	1.29	2.09	2.36	2.44
Income, $m
Income, $m	Revenue	74	82	92	116	116	126	118	191	217	237
	Gross margin, %	81.79	79.07	69.29	65.41	81.69	93.62	72.20	33.90	30.29	44.07
	EBT	40	44	43	54	70	93	54	35	37	73
	EBT margin, %	54.10	53.51	46.23	46.25	60.69	73.66	45.91	18.49	16.80	30.74
	Net income	23	26	30	39	51	67	38	26	28	55
	Depreciation	1	1	1	1	1	1	1	1	1	1
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
	Earnings	10.99	12.08	14.25	18.24	23.76	31.50	17.49	12.26	12.95	25.01
	Cash flow	11.80	12.87	16.82	15.54	21.33	27.56	26.04	9.18	5.46	16.41
	Capex	(0.05)	(0.12)	(0.53)	(0.30)	(0.55)	0.57	(1.18)	0.10	(0.06)	(0.12)
	Free cash flow	11.75	12.75	16.29	15.24	20.78	28.13	24.86	9.28	5.40	16.29
	Book value	75.56	87.28	99.66	115.85	137.08	165.63	179.94	189.50	198.33	219.95
	Shares, m	2	2	2	2	2	2	2	2	2	2
Valuation, ×
Valuation, ×	P/E	19.07	16.71	13.88	11.52	9.09	13.33	15.92	16.15	19.62	11.35
	P/S	5.80	5.22	4.56	3.87	3.99	7.15	5.05	2.24	2.55	2.62
	P/B	2.65	2.31	1.98	1.81	1.58	2.54	1.55	1.05	1.28	1.29
	EV/Sales	12.16	12.11	11.04	8.16	7.47	12.39	15.77	11.09	9.41	8.77
	EV/FCF	35.69	36.75	29.37	29.05	19.43	25.88	34.99	105.84	174.08	58.45
Cash, $m
Cash, $m	Operating cash flow	25	27	36	33	46	59	56	20	12	36
	Capex	0	0	(1)	(1)	(1)	1	(3)	0	0	0
	Free cash flow	25	27	35	33	44	60	53	20	12	36
Balance, $m
Balance, $m	Working capital	250	343	447	419	368	617	1,163	1,566	1,386	1,355
	Total debt	475	579	607	505	408	665	1,276	1,693	1,497	1,464
	Net debt	468	568	599	496	401	660	1,268	1,687	1,493	1,457
	Shareholders’ equity	161	186	213	247	293	355	386	408	432	480
Returns, %
Returns, %	ROA	1.24	1.20	1.30	1.56	1.86	2.15	0.98	0.61	0.63	1.21
	ROIC	3.95	3.66	3.29	4.50	6.31	5.71	2.05	1.05	1.19	2.35
	ROE	15.67	14.84	15.25	16.93	18.80	20.83	10.13	6.65	6.72	11.97

Negative figures in brackets.

All 10 years →

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

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
PFIS Peoples Financial Services Corp.	$681.2M	12.0×	9.2×	+3.78% (above 0%: growing)	−12.94% (below 0%: shrinking)	+54.41% (above 0%: growing)	70.19%	0.00%	Compare
CARE Carter Bankshares, Inc.	$671.8M	5.2×	4.6×	+44.00% (above 0%: growing)	+254.05% (above 0%: growing)	−3,522.21% (below 0%: shrinking)	76.12%	0.00%	Compare
MSBI Midland States Bancorp, Inc.	$670.3M	20.7×	9.1×	−7.83% (below 0%: shrinking)	+86.36% (above 0%: growing)	+9.48% (above 0%: growing)	74.46%	0.00%	Compare
RRBI Red River Bancshares, Inc.	$666.1M	14.5×	12.5×	+6.30% (above 0%: growing)	+18.54% (above 0%: growing)	+237.31% (above 0%: growing)	76.50%	0.00%	Compare
CCB Coastal Financial Corporation	$656.9M	— (loss-making)	16.0×	+37.72% (above 0%: growing)	n/m	+16.72% (above 0%: growing)	85.92%	0.00%	Compare
ACNB ACNB Corporation	$642.5M	12.0×	10.1×	+4.47% (above 0%: growing)	+35.14% (above 0%: growing)	−125.12% (below 0%: shrinking)	81.56%	0.00%	Compare
CBNK Capital Bancorp, Inc.	$642.3M	11.5×	9.6×	+8.53% (above 0%: growing)	+10.13% (above 0%: growing)	−18.20% (below 0%: shrinking)	77.43%	0.00%	Compare
HIFS Hingham Institution for Savings	$640.9M	9.7×	—	+33.46% (above 0%: growing)	+168.29% (above 0%: growing)	−29.97% (below 0%: shrinking)	59.45%	0.00%
BHB Bar Harbor Bankshares, Inc.	$638.6M	12.9×	10.1×	+26.82% (above 0%: growing)	+127.50% (above 0%: growing)	+563.60% (above 0%: growing)	73.41%	0.00%	Compare
Median of peers	$661.5M	12.0×	9.8×	+7.42%	+35.14%	+13.10%	76.31%	0.00%

All 323 Banks Regional stocks →

Hingham Institution for Savings (HIFS) key facts

Strength: Hingham Institution for Savings' revenue for fiscal 2025 (year ended December 2025) was $236.8 million, up 8.93% from fiscal 2024.
Strength: Net income was $54.6 million, or $25.01 per share (basic), a net margin of 23.0%.
Hingham Institution for Savings (HIFS) is a Banks Regional company in the Financial sector, listed on Nasdaq.
As of October 16, 2026, HIFS traded at $293.09, a market capitalization of $640.9 million.
At that price the stock trades at 9.7× trailing-twelve-month earnings and 2.6× sales; its P/E is higher than 7% of its own readings over the past ten years.
Hingham Institution for Savings pays an annual dividend of $2.52 per share, a yield of 0.86%, with a payout ratio of 8.39%.
Return on equity was 12.0% and debt-to-equity 2.77.
Its Piotroski F-score is 6 out of 9 for fiscal 2025.