Hingham Institution for Savings (HIFS) vs Peoples Financial Services Corp. (PFIS)

Hingham Institution for Savings and Peoples Financial Services Corp. are both Banks Regional companies. Hingham Institution for Savings and Peoples Financial Services Corp. are of similar size ($693.7M and $648.0M). Hingham Institution for Savings trades at the lower P/E: 11.9× against 12.3×. Hingham Institution for Savings grew revenue faster over the last twelve months: 8.32% against 0.46%. Hingham Institution for Savings has the higher net margin (23.6% vs 19.8%) and the lower return on invested capital (2.41% vs 8.38%). Both pay a dividend; Peoples Financial Services Corp. yields more (5.64% vs 1.56%). Across the 20 metrics below, Peoples Financial Services Corp. leads on 12 and Hingham Institution for Savings on 8.

Valuation

Metric HIFS PFIS Banks Regional median
P/E 11.90 12.30 12.15
P/S 2.82 2.43 2.37
P/B 1.29 1.30 1.21
Price to free cash flow 19.66 14.09 10.80
EV/EBITDA n/m n/m —
EV/Sales 8.83 2.40 2.27
Earnings yield 8.40% 8.13% 8.11%
Free cash flow yield 5.09% 7.10% 8.98%

Profitability

Metric HIFS PFIS Banks Regional median
Gross margin 46.01% 68.05% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 23.61% 19.78% 18.66%
Free cash flow margin 14.35% 17.28% 21.18%
Return on equity 11.54% 11.02% 10.64%
Return on assets 1.21% 1.08% 1.13%
Return on invested capital 2.41% 8.38% 8.33%

Growth

Metric HIFS PFIS Banks Regional median
Revenue growth (TTM) 8.32% 0.46% 6.61%
EPS growth (last fiscal year) 6.91% 493.94% —
Revenue growth, 5-year CAGR 13.43% 20.50% 12.30%
Net income growth, 5-year CAGR (6.25%) 15.06% 9.71%

Health

Metric HIFS PFIS Banks Regional median
Debt to equity 2.77 0.46 0.22
Current ratio 1.50 0.99 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric HIFS PFIS Banks Regional median
Dividend yield 1.56% 5.64% 3.75%
Payout ratio 0.14 0.32 0.27

Size

Metric HIFS PFIS Banks Regional median
Market cap 647.95m 693.72m 921.07m

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