HI
Hingham Institution for Savings
HIFS—
Hingham Institution for Savings AI Insights
Informational only. Not investment advice.Snapshot
- Net margin TTM of 49.4% vs industry median 25.8% - nearly 2x peer profitability on ultra-lean cost structure (G&A just 6.1M)[Net Margin]
- EPS 3Y CAGR of 18.1% vs industry median -0.1% while revenue grew only 11.3% - operating leverage amplifying returns[EPS Growth 3Y]
- Debt/equity of 3.3x with interest expense (137M) exceeding total revenue (91.6M) - highly leveraged balance sheet[Debt to Equity]
Watch Triggers
- Net Margin: Falls below 40% — Current 49% margin is key differentiator - compression signals spread deterioration
- Interest Expense: Exceeds 160M quarterly run-rate — Already 150% of revenue - further increases directly hit net income
- Debt to Equity: Rises above 4.0x — 3.3x already elevated - higher leverage increases insolvency risk in stress
Bull Case
Exceptional efficiency: 49.4% net margin with G&A of just 6.1M generates 45.2M net income - minimal overhead scales with asset growth
Net MarginG&A ExpenseNet Income
P/B of 1.4x for 10.2% ROE bank with 18% EPS CAGR - discount to peers despite superior profitability metrics
P/B RatioROEEPS Growth 3Y
Bear Case
Interest expense (137M) is 150% of revenue (91.6M) - any rate increase materially erodes already thin spread income
Interest ExpenseTotal RevenueNet Debt
3.3x debt/equity with 1.5B long-term debt on 462M equity - limited buffer for credit losses or deposit flight
Debt to EquityLong Term DebtTotal Equity
Bull vs Bear Balance
AI-generated sentiment analysis based on fundamental metrics and market conditions.
40%
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Forward Thesis
Net interest margin compression likely as 137M interest expense pressures 91.6M revenue base
1-3ymed
- Interest expense 1.5x total revenue
- Rate-sensitive liability structure
- Limited pricing power in competitive deposit market
Interest expense TTM: 137.1M vs revenue 91.6MDebt/equity 3.3x vs typical bank 1-2xRevenue growth slowed to 3.2% 1Y
Valuation Context
Caveats
Public Strategies Rankings
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HIFS Fundamentals
Finance and Insurance → Credit Intermediation and Related Activities
| Metric | Value | YoY Growth | Industry Percentile |
|---|---|---|---|
$649.43M | — | ||
$1.82B | — | ||
14 | — | ||
$91.55M | +55.2% | — | |
$20.55 | +94.8% | — | |
0% | — | ||
49.4% | +10.2% | — | |
$29.55M | +104.5% | — | |
0.10 | +4.7% | — | |
Beta 5Y (Monthly) | unknown | — |
HIFS Dividend History
105 dividends
2026
$1.330001/05/26$1.3300
2025
$2.520011/03/25$0.6300
08/04/25$0.6300
05/05/25$0.6300
01/06/25$0.6300
2024
$1.890011/04/24$0.6300
07/29/24$0.6300
05/03/24$0.6300
2023
$2.520012/29/23$0.6300
10/27/23$0.6300
07/28/23$0.6300
04/28/23$0.6300
2022
$2.400012/29/22$0.6300
10/31/22$0.6100
07/29/22$0.5900
04/29/22$0.5700
2021
$2.830012/31/21$1.3000
10/29/21$0.5300
07/30/21$0.5100
04/09/21$0.4900
2020
$3.480012/31/20$1.1700
10/02/20$0.4500
07/02/20$0.4300
04/03/20$0.4200
01/03/20$1.0100
2019
$2.040010/04/19$0.4000
07/05/19$0.3900
04/05/19$0.3800
01/04/19$0.8700
2018
$1.390010/05/18$0.3600
07/06/18$0.3500
04/06/18$0.3400
01/04/18$0.3400
2017
$1.620010/05/17$0.3400
07/06/17$0.3200
04/06/17$0.3200
01/04/17$0.6400
2016
$1.520010/05/16$0.3200
07/07/16$0.3000
04/07/16$0.3000
01/06/16$0.6000
2015
$2.140010/07/15$0.3000
07/08/15$0.2800
04/08/15$0.2800
01/07/15$1.2800
2014
$1.370010/08/14$0.2800
07/08/14$0.2700
04/08/14$0.2700
01/08/14$0.5500
2013
$1.320010/08/13$0.2700
07/08/13$0.2600
04/08/13$0.2600
01/08/13$0.5300
2012
$1.280010/05/12$0.2600
07/06/12$0.2600
04/05/12$0.2500
01/06/12$0.5100
2011
$1.230010/06/11$0.2500
07/07/11$0.2500
04/06/11$0.2400
01/06/11$0.4900
2010
$1.150010/06/10$0.2400
07/07/10$0.2300
04/07/10$0.2300
01/07/10$0.4500
2009
$1.070010/07/09$0.2200
07/08/09$0.2100
04/07/09$0.2100
01/08/09$0.4300
2008
$1.020010/08/08$0.2100
07/08/08$0.2000
04/08/08$0.2000
01/08/08$0.4100
2007
$1.000010/05/07$0.2000
07/06/07$0.2000
04/09/07$0.2000
01/08/07$0.4000
2006
$1.000010/05/06$0.2000
07/06/06$0.2000
04/06/06$0.2000
01/06/06$0.4000
2005
$0.980010/06/05$0.2000
07/07/05$0.2000
04/07/05$0.1900
01/06/05$0.3900
2004
$0.920010/06/04$0.1900
07/07/04$0.1800
04/07/04$0.1800
01/07/04$0.3700
2003
$0.880010/08/03$0.1800
07/08/03$0.1800
04/08/03$0.1700
01/08/03$0.3500
2002
$0.800010/08/02$0.1700
07/08/02$0.1600
04/08/02$0.1600
01/08/02$0.3100
2001
$0.730010/05/01$0.1500
07/06/01$0.1500
04/06/01$0.1500
01/08/01$0.2800
2000
$0.640010/05/00$0.1400
07/06/00$0.1300
04/06/00$0.1300
01/06/00$0.2400
HIFS Stock Splits
No stock splits
HIFS SEC Filings
| Filing Date | Report Date | Report Type | Filing Link |
|---|---|---|---|
11/05/25 | 09/30/25 | 10-Q | -- |
08/06/25 | 06/30/25 | 10-Q | -- |
05/07/25 | 03/31/25 | 10-Q | -- |
03/05/25 | 12/31/24 | Unknown | -- |
11/06/24 | 09/30/24 | 10-Q | -- |
08/07/24 | 06/30/24 | 10-Q | -- |
05/08/24 | 03/31/24 | 10-Q | -- |
03/06/24 | 12/31/23 | 10-K | -- |
11/06/24 | 09/30/23 | 10-Q | -- |
08/04/23 | 06/30/23 | 10-Q | -- |
05/08/24 | 03/31/23 | 10-Q | -- |
03/08/23 | 12/31/22 | 10-K | -- |
11/04/22 | 09/30/22 | 10-Q | -- |
08/05/22 | 06/30/22 | 10-Q | -- |
05/06/22 | 03/31/22 | 10-Q | -- |
03/09/22 | 12/31/21 | 10-K | -- |
11/03/21 | 09/30/21 | 10-Q | -- |
08/04/21 | 06/30/21 | 10-Q | -- |
05/05/21 | 03/31/21 | 10-Q | -- |
03/03/21 | 12/31/20 | 10-K | -- |
11/04/20 | 09/30/20 | 10-Q | -- |
08/05/20 | 06/30/20 | 10-Q | -- |
05/06/20 | 03/31/20 | 10-Q | -- |
03/03/20 | 12/31/19 | 10-K | -- |
11/05/19 | 09/30/19 | 10-Q | -- |
08/06/19 | 06/30/19 | 10-Q | -- |
05/08/19 | 03/31/19 | 10-Q | -- |
03/05/19 | 12/31/18 | 10-K | -- |
11/06/18 | 09/30/18 | 10-Q | -- |
08/07/18 | 06/30/18 | 10-Q | -- |
05/02/18 | 03/31/18 | 10-Q | -- |
03/05/18 | 12/31/17 | 10-K | -- |
11/13/17 | 09/30/17 | 10-Q | -- |
08/01/17 | 06/30/17 | 10-Q | -- |
05/02/17 | 03/31/17 | 10-Q | -- |
03/07/17 | 12/31/16 | 10-K | -- |
10/27/16 | 09/30/16 | Quarterly | -- |
07/25/16 | 06/30/16 | Quarterly | -- |
05/03/16 | 03/31/16 | Quarterly | -- |
03/01/16 | 12/31/15 | Annual | -- |
11/03/15 | 09/30/15 | Quarterly | -- |
08/05/15 | 06/30/15 | Quarterly | -- |
05/06/15 | 03/31/15 | Quarterly | -- |
03/03/15 | 12/31/14 | Annual | -- |
10/15/14 | 09/30/14 | Quarterly | -- |
08/05/14 | 06/30/14 | Quarterly | -- |
05/08/14 | 03/31/14 | Quarterly | -- |
03/04/14 | 12/31/13 | Annual | -- |
11/04/13 | 09/30/13 | Quarterly | -- |
08/02/13 | 06/30/13 | Quarterly | -- |
05/07/13 | 03/31/13 | 10-Q | -- |
03/05/13 | 12/31/12 | 10-K | -- |
11/13/12 | 09/30/12 | 10-Q | -- |
08/07/12 | 06/30/12 | 10-Q | -- |
05/24/12 | 03/31/12 | 10-Q | -- |
05/24/12 | 12/31/11 | 10-K | -- |
05/24/12 | 09/30/11 | 10-Q | -- |
05/24/12 | 06/30/11 | 10-Q | -- |
05/24/12 | 03/31/11 | 10-Q | -- |
12/31/10 | 12/31/10 | 10-K | -- |
09/30/10 | 09/30/10 | 10-Q | -- |
06/30/10 | 06/30/10 | MS10-Q | -- |
03/31/10 | 03/31/10 | MS10-Q | -- |
12/31/09 | 12/31/09 | MS10-K | -- |
09/30/09 | 09/30/09 | MS10-Q | -- |
06/30/09 | 06/30/09 | MS10-Q | -- |
03/31/09 | 03/31/09 | MS10-Q | -- |
12/31/08 | 12/31/08 | 10-K | -- |
09/30/09 | 09/30/08 | MS10-Q | -- |
06/30/09 | 06/30/08 | MS10-Q | -- |
03/31/09 | 03/31/08 | MS10-Q | -- |
12/31/07 | 12/31/07 | 10-K | -- |
09/30/07 | 09/30/07 | Unknown | -- |
06/30/07 | 06/30/07 | Unknown | -- |
03/31/07 | 03/31/07 | Unknown | -- |
12/31/06 | 12/31/06 | Unknown | -- |
09/30/06 | 09/30/06 | Unknown | -- |
06/30/06 | 06/30/06 | Unknown | -- |
03/31/06 | 03/31/06 | Unknown | -- |
12/31/05 | 12/31/05 | Unknown | -- |
09/30/05 | 09/30/05 | Unknown | -- |
06/30/05 | 06/30/05 | Unknown | -- |
03/31/05 | 03/31/05 | Unknown | -- |
12/31/04 | 12/31/04 | Unknown | -- |
09/30/04 | 09/30/04 | Unknown | -- |
06/30/04 | 06/30/04 | Unknown | -- |
03/31/04 | 03/31/04 | Unknown | -- |
12/31/03 | 12/31/03 | Unknown | -- |
09/30/03 | 09/30/03 | Unknown | -- |
06/30/03 | 06/30/03 | Unknown | -- |
03/31/03 | 03/31/03 | Unknown | -- |
12/31/02 | 12/31/02 | Unknown | -- |
09/30/02 | 09/30/02 | Unknown | -- |
06/30/02 | 06/30/02 | Unknown | -- |
03/31/02 | 03/31/02 | Unknown | -- |
12/31/01 | 12/31/01 | Unknown | -- |
09/30/01 | 09/30/01 | Unknown | -- |
06/30/01 | 06/30/01 | Unknown | -- |
03/31/01 | 03/31/01 | Unknown | -- |
12/31/00 | 12/31/00 | Unknown | -- |
09/30/00 | 09/30/00 | Unknown | -- |
06/30/00 | 06/30/00 | Unknown | -- |
03/31/00 | 03/31/00 | Unknown | -- |