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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%
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.

Target Price Range

Analyst price targets

Recommendation Rating

1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
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

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
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.

Source: company filings (standardised) and stockrow calculations · fundamentals updated Oct 2, 2026.

Hingham Institution for Savings (HIFS) Latest News

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