# Hingham Institution for Savings (HIFS) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Financial Services / Banks. Price $307.99, market value $677 million.

## Valuation
- **P/E (trailing): 10.3×** (5-yr avg 15.5×, 3-yr avg 15.5×). Hingham Institution for Savings trades at 10.3× trailing earnings, well below its own five-year average of 15.5×: cheap by its own standards. The Financial Services median in the September 2026 study was 13.1×.
- **Price / sales: 5.6×**. Each dollar of revenue is priced at 5.6×.
- **Price / book: 1.3×**. The shares trade at 1.3× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 5.2%** (5-yr avg 5.4%). Free cash flow equals 5.2% of the market value, in line with its five-year average of 5.4%. Above 5% is generally attractive.
- **Earnings yield: 9.8%**. The inverse of the P/E: 9.8% of the price is earned each year.

## Profitability
- **Net margin: 52.3%**. 52.3% of each dollar of sales reaches the bottom line.
- **Return on equity: 11.4%**. 11.4% on shareholders' equity is solid.
- **Return on assets: 1.5%**. Each dollar of assets produces 1.5% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 58.5%** (3-yr 6.9%/yr). Revenue grew 58.5% over the last year.
- **EPS growth (1 yr): 92.7%** (3-yr 13.3%/yr). Earnings per share rose 92.7%, faster than revenue, so margins expanded or the share count shrank.
- **Free-cash-flow growth (3 yr): -12.7%/yr**. Free cash flow has compounded at -12.7% a year over three years, lagging earnings: check whether profits are turning into cash.

## Financial health
- **Piotroski F-score: 5/9**. 5 of 9 checks pass: mixed.
- **Cash and short-term investments: $370 million**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend yield: 0.82%** ($2.52 per share, trailing). Hingham Institution for Savings yields 0.82%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 10%** (20% of free cash flow). 10% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 1**. 1 straight year of increases.
- **Dividend growth (5 yr): -6.3%/yr** (1-yr 33.3%). The dividend has not grown over five years.

## Price and momentum
- **Total return (1 yr): 14.7%** (YTD 9.2%, 3-mo 7.0%). The shares are up 14.7% over twelve months including dividends.
- **From 52-week high: -8.9%** (23.9% above the low). Trading 9% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 57**. An RSI of 57 is neutral.
- **Beta (1 yr): 1.00** (volatility 44%). Beta of 1.00 against the S&P 500: the shares move roughly with the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=HIFS · Page: https://foliofundamentals.com/stocks/hifs

Not investment advice.