Hingham Institution for Savings (HIFS) vs Midland States Bancorp, Inc. (MSBI)

Hingham Institution for Savings and Midland States Bancorp, Inc. are both Banks Regional companies. Hingham Institution for Savings and Midland States Bancorp, Inc. are of similar size ($687.5M and $648.0M). Hingham Institution for Savings trades at the lower P/E: 11.9× against 21.3×. Hingham Institution for Savings grew revenue faster over the last twelve months: 8.32% against −12.2%. Hingham Institution for Savings has the higher net margin (23.6% vs 7.34%) and the lower return on invested capital (2.41% vs 6.06%). Both pay a dividend; Midland States Bancorp, Inc. yields more (5.03% vs 1.56%). Across the 20 metrics below, Hingham Institution for Savings leads on 10 and Midland States Bancorp, Inc. on 10.

Valuation

Metric HIFS MSBI Banks Regional median
P/E 11.90 21.32 12.15
P/S 2.82 1.53 2.37
P/B 1.29 1.53 1.21
Price to free cash flow 19.66 5.59 10.80
EV/EBITDA n/m n/m —
EV/Sales 8.83 1.62 2.27
Earnings yield 8.40% 4.69% 8.11%
Free cash flow yield 5.09% 17.87% 8.98%

Profitability

Metric HIFS MSBI Banks Regional median
Gross margin 46.01% 72.03% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 23.61% 7.34% 18.66%
Free cash flow margin 14.35% 27.38% 21.18%
Return on equity 11.54% 7.28% 10.64%
Return on assets 1.21% 0.49% 1.13%
Return on invested capital 2.41% 6.06% 8.33%

Growth

Metric HIFS MSBI Banks Regional median
Revenue growth (TTM) 8.32% (12.17%) 6.61%
EPS growth (last fiscal year) 6.91% (484.76%) —
Revenue growth, 5-year CAGR 13.43% 9.23% 12.30%
Net income growth, 5-year CAGR (6.25%) 0.00% 9.71%

Health

Metric HIFS MSBI Banks Regional median
Debt to equity 2.77 0.59 0.22
Current ratio 1.50 0.78 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric HIFS MSBI Banks Regional median
Dividend yield 1.56% 5.03% 3.75%
Payout ratio 0.14 0.29 0.27

Size

Metric HIFS MSBI Banks Regional median
Market cap 647.95m 687.52m 921.07m

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