Symbols / HIFS Stock $284.80 +0.02% Hingham Institution for Savings

Financial Services • Banks - Regional • United States • NGM
HIFS (Stock) Chart
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Stock Fundamentals
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Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. Robert H. Gaughen Jr., Esq.
Exch · Country NGM · United States
Market Cap 622.07M
Enterprise Value 2.03B
Income 50.28M
Sales 97.51M
FCF (ttm)
Book/sh 220.06
Cash/sh 2.38
Employees 93
Insider 10d
IPO Dec 14, 1988
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 12.72%
P/E 11.50
Forward P/E
PEG
P/S 6.38
P/B 1.29
P/C
EV/EBITDA
EV/Sales 20.85
Quick Ratio
Current Ratio
Debt/Eq
LT Debt/Eq
EPS (ttm) 24.76
EPS next Y
EPS Growth -60.20%
Revenue Growth -30.50%
EPS Gr Q/Q -60.00%
Rev Gr Q/Q
Earnings (next) 2026-07-17
Earnings (prior)
ROA 1.11%
ROE 10.93%
ROIC
Gross Margin 0.00%
Oper. Margin 40.81%
Profit Margin 51.56%
Shs Outstand 2.18M
Shs Float 1.59M
Insider Own 5.33%
Instit Own 66.66%
Short Float 16.23%
Short Ratio 5.59
Short Interest 323.90K
52W High 338.00
vs 52W High -15.74%
52W Low 220.76
vs 52W Low 29.01%
Beta 0.94
Impl. Vol.
Rel Volume 0.66
Avg Volume 56.57K
Volume 37.32K
Target (mean)
Tgt Median
Tgt Low
Tgt High
# Analysts
Recom None
Prev Close $284.74
Price $284.80
Change 0.02%
About

Hingham Institution for Savings provides various financial services to individuals and small businesses in the United States. It offers savings, checking, money market, term certificate, demand, and negotiable order of withdrawal accounts, as well as certificates of deposit. The company provides commercial and residential owner-occupied real estate, construction, home equity, consumer, and commercial loans; and origination of loans. In addition, it offers ATMs, debit cards, and Internet-based banking services. Further, the company invests in short-term income investments, such as U.S. treasury debt securities, U.S. Government-sponsored enterprise debt securities, bank subordinated debt, and FDIC-insured certificates of deposit; and equity investments, corporate bonds, CRA investments, and federal home loan bank stock, as well as bank-owned life insurance. Hingham Institution for Savings was incorporated in 1834 and is headquartered in Hingham, Massachusetts.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus Mean price target
2. Current target Latest analyst target
3. DCF / Fair value Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$284.80
Low
High
Mean
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-03-17 CORRIGAN MARGARET A Beneficial Owner of more than 10% of a Class of Security 9,044 $277.62 $2,510,795
2026-03-17 CORRIGAN MARGARET A Beneficial Owner of more than 10% of a Class of Security 9,044 $126.17 $1,141,081
2026-02-11 HERNANDO JULIO R Director 1,000 $126.17 $126,170
2026-01-23 YOUNGWORTH JACQUELINE M Director 250 $313.00 $78,250
2026-01-22 MELEJ GESCHE CRISTIAN A Chief Financial Officer 1,000 $318.00 $318,000
2026-01-22 MELEJ GESCHE CRISTIAN A Chief Financial Officer 1,000 $138.30 $138,300
2026-01-20 YOUNGWORTH JACQUELINE M Director 200 $291.00 $58,200
2025-11-24 YOUNGWORTH JACQUELINE M Director 200 $288.00 $57,600
2025-10-24 MELEJ GESCHE CRISTIAN A Chief Financial Officer 1,000 $309.99 $309,990
2025-10-24 MELEJ GESCHE CRISTIAN A Chief Financial Officer 1,000 $138.30 $138,300
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
104.35
+58.47%
65.85
+2.00%
64.56
-24.41%
85.42
Operating Revenue
104.35
+58.47%
65.85
+2.00%
64.56
-24.41%
85.42
Selling General And Administration
25.04
+3.24%
24.25
+2.10%
23.75
+5.89%
22.43
Selling And Marketing Expense
0.62
+9.12%
0.57
-25.88%
0.77
-25.41%
1.03
General And Administrative Expense
24.42
+3.09%
23.68
+3.04%
22.99
+7.40%
21.40
Salaries And Wages
17.79
+5.21%
16.91
+3.03%
16.41
+3.68%
15.83
Other Gand A
3.78
+2.83%
3.68
-5.01%
3.87
+4.39%
3.71
Reconciled Depreciation
0.75
+0.27%
0.75
+9.49%
0.69
+38.66%
0.49
Total Unusual Items
0.00
0.00
-100.00%
0.04
0.00
Total Unusual Items Excluding Goodwill
0.00
0.00
-100.00%
0.04
0.00
Special Income Charges
0.00
0.00
-100.00%
0.04
0.00
Other Special Charges
-0.04
Net Income
54.55
+93.51%
28.19
+6.90%
26.37
-29.71%
37.52
Pretax Income
72.78
+99.32%
36.52
+3.65%
35.23
-35.14%
54.31
Net Interest Income
74.41
+67.68%
44.37
-8.13%
48.30
-54.49%
106.13
Interest Expense
132.43
-12.60%
151.52
+20.29%
125.96
+282.93%
32.89
Interest Income
206.83
+5.58%
195.90
+12.41%
174.26
+25.34%
139.03
Gain On Sale Of Security
28.78
+41.23%
20.38
+34.54%
15.15
+169.56%
-21.78
Tax Provision
18.23
+118.99%
8.32
-6.04%
8.86
-47.26%
16.80
Tax Rate For Calcs
0.00
+9.65%
0.00
-9.33%
0.00
-18.68%
0.00
Tax Effect Of Unusual Items
0.00
0.00
-100.00%
0.01
0.00
Net Income Including Noncontrolling Interests
54.55
+93.51%
28.19
+6.90%
26.37
-29.71%
37.52
Net Income From Continuing Operation Net Minority Interest
54.55
+93.51%
28.19
+6.90%
26.37
-29.71%
37.52
Net Income From Continuing And Discontinued Operation
54.55
+93.51%
28.19
+6.90%
26.37
-29.71%
37.52
Net Income Continuous Operations
54.55
+93.51%
28.19
+6.90%
26.37
-29.71%
37.52
Normalized Income
54.55
+93.51%
28.19
+7.04%
26.34
-29.80%
37.52
Net Income Common Stockholders
54.55
+93.51%
28.19
+6.90%
26.37
-29.71%
37.52
Diluted EPS
24.76
+92.68%
12.85
+6.91%
12.02
-29.46%
17.04
Basic EPS
25.01
+93.13%
12.95
+5.63%
12.26
-29.90%
17.49
Basic Average Shares
2.18
+0.18%
2.18
+1.21%
2.15
+0.28%
2.15
Diluted Average Shares
2.20
+0.41%
2.19
+0.05%
2.19
-0.41%
2.20
Diluted NI Availto Com Stockholders
54.55
+93.51%
28.19
+6.90%
26.37
-29.71%
37.52
Insurance And Claims
2.84
-8.14%
3.10
+14.62%
2.70
+45.06%
1.86
Occupancy And Equipment
1.75
+5.18%
1.66
+1.90%
1.63
+18.14%
1.38
Other Non Interest Expense
3.21
+3.81%
3.10
+7.76%
2.87
+3.34%
2.78
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
4,542.65
+1.90%
4,457.77
-0.58%
4,483.95
+6.92%
4,193.80
Cash And Cash Equivalents
369.61
+5.05%
351.83
-2.94%
362.48
+0.12%
362.03
Cash Financial
6.68
+59.77%
4.18
-26.02%
5.65
-28.76%
7.94
Other Short Term Investments
Receivables
9.21
+5.00%
8.77
+2.57%
8.55
+20.11%
7.12
Accounts Receivable
9.21
+5.00%
8.77
+2.57%
8.55
+20.11%
7.12
Net PPE
15.91
-2.96%
16.40
-3.59%
17.01
-4.77%
17.86
Gross PPE
30.15
+0.89%
29.88
+0.47%
29.74
-2.96%
30.65
Accumulated Depreciation
-14.24
-5.57%
-13.48
-5.89%
-12.73
+0.45%
-12.79
Land And Improvements
4.87
+0.00%
4.87
+0.31%
4.86
-12.69%
5.57
Buildings And Improvements
18.31
+0.62%
18.20
+0.15%
18.17
-1.36%
18.42
Construction In Progress
0.00
Other Properties
6.04
+2.58%
5.89
+1.66%
5.79
+0.84%
5.75
Leases
0.92
+0.00%
0.92
+0.00%
0.92
+0.00%
0.92
Investments And Advances
157.84
+31.71%
119.84
+43.86%
83.30
+24.90%
66.70
Total Liabilities Net Minority Interest
4,062.95
+0.92%
4,026.02
-1.23%
4,076.33
+7.05%
3,807.83
Payables And Accrued Expenses
11.83
+43.51%
8.24
-32.76%
12.26
+170.84%
4.53
Payables
11.83
+43.51%
8.24
-32.76%
12.26
+170.84%
4.53
Accounts Payable
11.83
+43.51%
8.24
-32.76%
12.26
+170.84%
4.53
Current Debt And Capital Lease Obligation
666.57
-2.97%
687.00
Current Debt
666.57
-2.97%
687.00
Other Current Borrowings
666.57
-2.97%
687.00
Long Term Debt And Capital Lease Obligation
797.25
-1.57%
810.00
-52.15%
1,692.67
+32.65%
1,276.00
Long Term Debt
797.25
-1.57%
810.00
-52.15%
1,692.67
+32.65%
1,276.00
Non Current Deferred Liabilities
9.49
+150.73%
3.79
Non Current Deferred Taxes Liabilities
9.49
+150.73%
3.79
Stockholders Equity
479.71
+11.11%
431.75
+5.92%
407.62
+5.61%
385.97
Common Stock Equity
479.71
+11.11%
431.75
+5.92%
407.62
+5.61%
385.97
Capital Stock
2.18
+0.09%
2.18
+0.83%
2.16
+0.70%
2.15
Common Stock
2.18
+0.09%
2.18
+0.83%
2.16
+0.70%
2.15
Preferred Stock
0.00
0.00
0.00
0.00
Share Issued
2.18
+0.09%
2.18
+0.83%
2.16
+0.70%
2.15
Ordinary Shares Number
2.18
+0.09%
2.18
+0.83%
2.16
+0.70%
2.15
Additional Paid In Capital
16.00
+2.78%
15.57
+10.04%
14.15
+8.34%
13.06
Retained Earnings
461.53
+11.48%
414.00
+5.80%
391.31
+5.54%
370.76
Gains Losses Not Affecting Retained Earnings
-0.01
0.00
Total Equity Gross Minority Interest
479.71
+11.11%
431.75
+5.92%
407.62
+5.61%
385.97
Total Capitalization
1,276.96
+2.83%
1,241.76
-40.88%
2,100.30
+26.37%
1,661.97
Invested Capital
1,943.52
+0.77%
1,928.76
-8.17%
2,100.30
+26.37%
1,661.97
Total Debt
1,463.82
-2.22%
1,497.00
-11.56%
1,692.67
+32.65%
1,276.00
Net Debt
1,094.21
-4.45%
1,145.17
-13.91%
1,330.20
+45.54%
913.97
Net Tangible Assets
479.71
+11.11%
431.75
+5.92%
407.62
+5.61%
385.97
Tangible Book Value
479.71
+11.11%
431.75
+5.92%
407.62
+5.61%
385.97
Available For Sale Securities
150.34
+32.64%
113.34
+42.03%
79.80
+26.28%
63.20
Cash Cash Equivalents And Federal Funds Sold
369.61
+5.05%
351.83
-2.94%
362.48
+0.12%
362.03
Held To Maturity Securities
7.50
+15.49%
6.49
+85.51%
3.50
+0.00%
3.50
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
35.79
+200.95%
11.89
-39.79%
19.75
-64.63%
55.85
Cash Flow From Continuing Operating Activities
35.79
+200.94%
11.89
-39.79%
19.75
-64.63%
55.85
Net Income From Continuing Operations
54.55
+93.51%
28.19
+6.90%
26.37
-29.71%
37.52
Depreciation Amortization Depletion
0.75
+0.27%
0.75
+9.49%
0.69
+38.66%
0.49
Depreciation
0.75
+0.27%
0.75
+9.49%
0.69
+38.66%
0.49
Depreciation And Amortization
0.75
+0.27%
0.75
+9.49%
0.69
+38.66%
0.49
Other Non Cash Items
-0.34
+0.30%
-0.34
+18.55%
-0.41
-25.00%
-0.33
Stock Based Compensation
0.19
+10.40%
0.17
+332.50%
0.04
+81.82%
0.02
Asset Impairment Charge
0.00
0.00
Deferred Tax
5.71
+19.95%
4.76
+46.94%
3.24
+170.48%
-4.60
Deferred Income Tax
5.71
+19.95%
4.76
+46.94%
3.24
+170.48%
-4.60
Operating Gains Losses
-28.83
-41.47%
-20.38
-34.15%
-15.19
-169.76%
21.78
Gain Loss On Investment Securities
-28.78
-41.23%
-20.38
-34.54%
-15.15
-169.56%
21.78
Gain Loss On Sale Of PPE
0.00
0.00
+100.00%
-0.04
0.00
Change In Working Capital
2.03
+224.77%
-1.63
-145.47%
3.58
+193.01%
-3.85
Change In Receivables
-2.90
-272.19%
1.68
+151.37%
-3.28
+64.31%
-9.18
Changes In Account Receivables
-2.90
-272.19%
1.68
+151.37%
-3.28
+64.31%
-9.18
Change In Payables And Accrued Expense
4.93
+248.88%
-3.31
-148.29%
6.85
+28.57%
5.33
Change In Payable
4.93
+248.88%
-3.31
-148.29%
6.85
+28.57%
5.33
Change In Account Payable
4.93
+248.88%
-3.31
-148.29%
6.85
+28.57%
5.33
Investing Cash Flow
-37.53
-215.55%
32.48
+111.74%
-276.58
+59.64%
-685.28
Cash Flow From Continuing Investing Activities
-37.53
-215.55%
32.48
+111.74%
-276.58
+59.64%
-685.28
Net PPE Purchase And Sale
-0.27
-91.37%
-0.14
-166.19%
0.21
+108.31%
-2.53
Purchase Of PPE
-0.27
-91.37%
-0.14
+89.30%
-1.30
+48.62%
-2.53
Sale Of PPE
0.00
0.00
-100.00%
1.51
0.00
Capital Expenditure
-0.27
-91.37%
-0.14
+89.30%
-1.30
+48.62%
-2.53
Net Investment Purchase And Sale
-9.22
+42.91%
-16.16
-1007.33%
-1.46
-142.29%
3.45
Purchase Of Investment
-9.40
+45.35%
-17.20
-494.68%
-2.89
+67.87%
-9.00
Sale Of Investment
0.18
-82.92%
1.05
-26.92%
1.43
-88.49%
12.45
Net Other Investing Changes
-0.96
-111.28%
8.55
+151.54%
-16.59
+26.90%
-22.70
Financing Cash Flow
19.51
+135.47%
-55.02
-121.38%
257.27
-64.28%
720.30
Cash Flow From Continuing Financing Activities
19.51
+135.47%
-55.02
-121.38%
257.27
-64.28%
720.30
Net Issuance Payments Of Debt
-33.19
+83.04%
-195.68
-146.96%
416.68
-31.80%
611.00
Issuance Of Debt
685.82
-49.87%
1,368.00
-52.74%
2,894.68
0.00
Repayment Of Debt
-664.00
+52.59%
-1,400.67
+7.24%
-1,510.00
-272.84%
-405.00
Long Term Debt Issuance
685.82
-49.87%
1,368.00
-52.74%
2,894.68
0.00
Long Term Debt Payments
-664.00
+52.59%
-1,400.67
+7.24%
-1,510.00
-272.84%
-405.00
Net Long Term Debt Issuance
21.82
+166.76%
-32.67
-102.36%
1,384.67
+441.90%
-405.00
Net Short Term Debt Issuance
-55.00
+66.26%
-163.00
+83.16%
-968.00
-195.28%
1,016.00
Common Stock Dividend Paid
-5.50
-0.24%
-5.48
+19.02%
-6.77
-2.87%
-6.58
Cash Dividends Paid
-5.50
-0.24%
-5.48
+19.02%
-6.77
-2.87%
-6.58
Proceeds From Stock Option Exercised
0.24
-80.73%
1.27
+18.98%
1.06
+236.71%
0.32
Net Other Financing Charges
1.73
-37.32%
2.76
+70.29%
1.62
-48.44%
3.14
Changes In Cash
17.78
+266.98%
-10.65
-2497.97%
0.44
-99.51%
90.87
Beginning Cash Position
351.83
-2.94%
362.48
+0.12%
362.03
+33.51%
271.16
End Cash Position
369.61
+5.05%
351.83
-2.94%
362.48
+0.12%
362.03
Free Cash Flow
35.53
+202.25%
11.75
-36.31%
18.45
-65.39%
53.33
Interest Paid Supplemental Data
128.84
-17.17%
155.54
+31.56%
118.23
+313.88%
28.57
Income Tax Paid Supplemental Data
12.66
+1926.40%
0.62
-92.74%
8.61
-59.40%
21.21
SEC Filings

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