Price
No data yet.
Social Signal Score
Revenue
$71.99M+158.28%Company Profile
- CEO
- Robert H. Gaughen Jr.
- Sector
- Financial Services
- Industry
- Banks - Regional
- Employees
- 93
- Beta
- 0.82
- Country
- US
- Piotroski score
- 6 / 9 (Middling)
- Altman Z-score
- 0.37
Financials
Revenue
$71.99M+158.3%Net Income
$25.44M+81.6%EBITDA
$33.44M+70.4%Free Cash Flow
$3.57M-76.7%EPS (diluted)
$11.49+80.7%Shares Outstanding (diluted)
2.21M+0.4%Operating Expenses
$4.95MCash & Debt
$5.49MReturn of Capital
$1.38MDividend per Share
$0.63Quote
Valuation & Ratios
Returns & Efficiency
Revenue & Net Income (Annual)
| Fiscal Year | Revenue | Net Income | EPS |
|---|---|---|---|
| 2025 | $236.76M | $54.55M | $25.01 |
| 2024 | $217.38M | $28.19M | $12.95 |
| 2023 | $190.52M | $26.37M | $12.26 |
| 2022 | $118.31M | $37.52M | $17.49 |
| 2021 | $123.46M | $67.46M | $31.51 |
| 2020 | $115.34M | $50.77M | $23.76 |
| 2019 | $115.78M | $38.93M | $18.24 |
| 2018 | $92.43M | $30.40M | $14.25 |
| 2017 | $82.47M | $25.76M | $12.08 |
| 2016 | $73.50M | $23.42M | $10.99 |
| 2015 | $63.34M | $19.35M | $9.09 |
| 2014 | $64.06M | $22.26M | $10.46 |
| 2013 | $50.95M | $13.37M | $6.28 |
| 2012 | $50.47M | $13.29M | $6.25 |
Valuation
Project earnings forward and see what return today's price implies.
Seeded from HIFS's reported EPS growth of 11.3% a year over 13 years.
- EPS in 5 years
- $42.70
- Implied price
- $469.70
- Return from $298.90
- 9.5% a year
To earn 15.0% a year on these assumptions you'd need to buy at $233.52 — -21.9% below today's price.
How sensitive is that answer?
Annual return across nearby assumptions. If the result is only attractive in one corner, that is the finding.
| growth \ P/E | 7 | 9 | 11 | 13 | 15 |
|---|---|---|---|---|---|
| 1.3% | -9.0% | -4.3% | -0.4% | 3.0% | 6.0% |
| 6.3% | -4.5% | 0.4% | 4.5% | 8.1% | 11.2% |
| 11.3% | -0.0% | 5.2% | 9.5% | 13.2% | 16.5% |
| 16.3% | 4.5% | 9.9% | 14.4% | 18.3% | 21.7% |
| 21.3% | 9.0% | 14.6% | 19.3% | 23.3% | 26.9% |
This is arithmetic on assumptions you chose, not a forecast or a recommendation. It ignores dividends, buybacks, share issuance and debt, and it assumes a company still earning money in 5 years. Change any input and the answer changes a lot — that sensitivity is the honest result, not a flaw in the model.
Signal Score (90d)
80Social Signal Score
Mentions (1)
- Newsseekingalpha.com·6h ago·Negative
… Hingham Institution for Savings Hingham Institution for Savings remains rated Hold as asset quality and valuation concerns persist despite incremental improvements. HIFS's commercial real estate loan concentration (83.9%) and low net interest margin continue to weigh on returns, though loan yields and deposit mix are improving. Deposit growth is modest, with non-interest-bearing deposits rising 7.8% and all deposits fully insured through the Massachusetts Depositors Insurance Fund.
View source ↗
Earnings
Fri, Oct 16(in 8 weeks)
Estimates and results for HIFS via Financial Modeling Prep. Beating consensus says the company cleared the bar analysts set, not that the business grew.