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Hingham Institution for SavingsNasdaqGM:HIFS Rapport sur les actions

Capitalisation boursière US$623.1m
Prix de l'action
US$284.87
US$139.2
104.7% surévalué décote intrinsèque
1Y15.9%
7D8.3%
1D
Valeur du portefeuille
​
Voir

Hingham Institution for Savings

NasdaqGM:HIFS Rapport sur les actions

Capitalisation boursière : US$623.1m

Hingham Institution for Savings (HIFS) Aperçu de l'action

Hingham Institution for Savings fournit divers services financiers aux particuliers et aux petites entreprises aux États-Unis. Plus de détails

HIFS analyse fondamentale
Score flocon de neige
Évaluation0/6
Croissance future0/6
Performances passées4/6
Santé financière4/6
Dividendes2/6

Récompenses

Le ratio cours/bénéfice ( 12.4 x) est inférieur au marché US ( 18.6 x)

Les bénéfices ont augmenté de 76.7% au cours de l'année écoulée

Analyse des risques

Les revenus ont diminué de 13.9% par an au cours des 5 dernières années

Ventes d'initiés importantes au cours des 3 derniers mois


HIFS Community Fair Values

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Hingham Institution for Savings Concurrents

Historique des prix et performances

Résumé des hausses, des baisses et des variations du cours de l'action pour la période du 1er janvier au 31 décembre 2009 Hingham Institution for Savings
Historique des cours de bourse
Prix actuel de l'actionUS$284.87
Plus haut sur 52 semainesUS$338.00
Plus bas sur 52 semainesUS$220.76
Bêta0.85
Variation sur 1 mois-2.04%
Variation sur 3 mois-9.42%
Variation sur 1 an15.92%
Variation sur 3 ans41.59%
Variation sur 5 ans-1.85%
Évolution depuis l'introduction en bourse4,854.26%

Nouvelles et mises à jour récentes

Seeking Alpha • Mar 12

The Recent Pullback In Hingham Institution for Savings Seems Justified

Summary Hingham Institution for Savings remains rated Hold due to deteriorating asset quality and unattractive operational metrics versus peers. HIFS's loan portfolio is almost entirely real estate-exposed, with 84.1% in commercial real estate and 11.1% in home mortgages. Non-performing loans rose to 0.80% of total loans, driven by a $30.6M CRE loan on non-accrual, while allowance for credit losses increased minimally. Despite a special dividend, HIFS's yield remains low at 1.16%, and short interest signals ongoing risks amid concentrated geographic and sector exposure. Read the full article on Seeking Alpha
Article d’analyse • Oct 16

Hingham Institution for Savings (NASDAQ:HIFS) Is Due To Pay A Dividend Of $0.63

The board of Hingham Institution for Savings ( NASDAQ:HIFS ) has announced that it will pay a dividend of $0.63 per...

Recent updates

Seeking Alpha • Mar 12

The Recent Pullback In Hingham Institution for Savings Seems Justified

Summary Hingham Institution for Savings remains rated Hold due to deteriorating asset quality and unattractive operational metrics versus peers. HIFS's loan portfolio is almost entirely real estate-exposed, with 84.1% in commercial real estate and 11.1% in home mortgages. Non-performing loans rose to 0.80% of total loans, driven by a $30.6M CRE loan on non-accrual, while allowance for credit losses increased minimally. Despite a special dividend, HIFS's yield remains low at 1.16%, and short interest signals ongoing risks amid concentrated geographic and sector exposure. Read the full article on Seeking Alpha
Article d’analyse • Oct 16

Hingham Institution for Savings (NASDAQ:HIFS) Is Due To Pay A Dividend Of $0.63

The board of Hingham Institution for Savings ( NASDAQ:HIFS ) has announced that it will pay a dividend of $0.63 per...
Article d’analyse • Jul 17

Hingham Institution for Savings (NASDAQ:HIFS) Is Due To Pay A Dividend Of $0.63

The board of Hingham Institution for Savings ( NASDAQ:HIFS ) has announced that it will pay a dividend on the 13th of...
Article d’analyse • Apr 17

Hingham Institution for Savings (NASDAQ:HIFS) Is Paying Out A Dividend Of $0.63

Hingham Institution for Savings ( NASDAQ:HIFS ) will pay a dividend of $0.63 on the 14th of May. Including this...
Article d’analyse • Nov 29

Hingham Institution for Savings (NASDAQ:HIFS) Is Due To Pay A Dividend Of $0.63

Hingham Institution for Savings ( NASDAQ:HIFS ) has announced that it will pay a dividend of $0.63 per share on the...
Article d’analyse • Oct 17

Hingham Institution for Savings (NASDAQ:HIFS) Is Due To Pay A Dividend Of $0.63

The board of Hingham Institution for Savings ( NASDAQ:HIFS ) has announced that it will pay a dividend on the 13th of...
Article d’analyse • Jul 18

Hingham Institution for Savings (NASDAQ:HIFS) Will Pay A Dividend Of $0.63

The board of Hingham Institution for Savings ( NASDAQ:HIFS ) has announced that it will pay a dividend on the 7th of...
Seeking Alpha • May 02

Hingham Institution For Savings: Why It's One Of My Favorite Banks In The U.S.

Summary Hingham Institution for Savings is one of my favorite financial institutions, defined by outstanding asset quality and a dedication to risk management. The bank has historically outperformed industry giants like Bank of America in terms of returns, NIM and NPAs. While profitability has declined in recent years, it is likely due to the tough macro environment rather than inherent weaknesses at HIFS. Current valuations suggest shares are trading around a fair valuation despite a heavy discount relative to historic prices. Strong Buy rating issued. Read the full article on Seeking Alpha
Article d’analyse • Apr 26

Hingham Institution for Savings (NASDAQ:HIFS) Has Affirmed Its Dividend Of $0.63

The board of Hingham Institution for Savings ( NASDAQ:HIFS ) has announced that it will pay a dividend on the 15th of...
Article d’analyse • Apr 20

Hingham Institution for Savings' (NASDAQ:HIFS) Upcoming Dividend Will Be Larger Than Last Year's

Hingham Institution for Savings ( NASDAQ:HIFS ) has announced that it will be increasing its dividend from last year's...
Seeking Alpha • Oct 14

Hingham Institution for Savings GAAP EPS of $4.77, revenue of $22.43M

Hingham Institution for Savings (NASDAQ:HIFS): Q3 GAAP EPS of $4.77. Revenue of $22.43M (-14.1% Y/Y). Net loans increased to $3.563 billion at September 30, 2022, representing 25% annualized growth year-to-date and 27% growth from September 30, 2021. The Bank recorded $50,000 of net recoveries for the nine months ended September 30, 2022, as compared to $1,000 of net charge-offs for the same period last year.
Seeking Alpha • Aug 14

Hingham Institution: Strong Loan Growth To Drive Core Earnings

Loan growth will likely decelerate after the second quarter's remarkable performance but remain at a decent level. As the deposit beta is greater than the loan beta, the net interest income will suffer from hikes in interest rates. The December 2022 target price suggests a small downside from the current market price. Further, HIFS is offering a low dividend yield. Core earnings of Hingham Institution for Savings (HIFS) will likely continue to surge in the next year and a half thanks to moderate loan growth. On the other hand, the top line will suffer from rising interest rates as the margin is inversely proportional to interest rate changes. Overall, I'm expecting Hingham Institution to report core earnings of $28.47 per share for 2022, up 11% year-over-year. On a GAAP basis, earnings will likely decline 30% this year due to hefty losses on sales of equities reported in the first half of the year. The year-end target price is quite close to the current market price. Therefore, I’m maintaining a hold rating on Hingham Institution for Savings. Economic Factors to Slow Down Loan Growth Hingham Institution’s loan portfolio grew by a hefty 10.4% in the second quarter of 2022 (42% annualized), which beat my expectations. Growth will likely slow down as the second quarter’s unusually high growth is unsustainable, in my opinion. Moreover, certain economic factors will weigh down loan growth. Almost all of Hingham’s loans are real estate-backed loans. Residential loans made up 15% of total loans, while commercial real estate loans (including construction) made up 85% of total loans at the end of June 2022, according to details given in the 10-Q filing. As a result, the number of housing starts is a good gauge of product demand. Further, Hingham has a presence in Massachusetts, Washington D.C., and California. As these regions are very different from each other, the national average is appropriate for Hingham Institution. As shown below, housing starts have dropped so far this year after doing quite well in the last few years. US Housing Starts data by YCharts High mortgage rates will likely further slowdown loan growth in the year ahead. Mortgage rates have recently softened but they're still quite high compared to a year ago period. 30 Year Mortgage Rate data by YCharts A steeper uptrend than usual for home prices also bodes ill for loan growth. First-time home purchasers will get discouraged by the high home prices and borrowing costs and therefore put off their home purchases until a more feasible time. Massachusetts House Price Index data by YCharts The only macroeconomic factor in favor of loan growth is the unemployment rate. The job market hasn't been this strong in decades. Massachusetts Unemployment Rate data by YCharts Considering these factors, I'm expecting loan growth to slow down to 3% in the third quarter of 2022 from 10% in the second quarter of the year. For full-year 2022, I'm expecting the loan portfolio to grow by 24%. For 2023, I'm expecting loan growth to continue at the same level as the latter part of 2022. Meanwhile, I'm expecting other balance sheet items to grow somewhat in line with loans. The following table shows my balance sheet estimates. FY18 FY19 FY20 FY21 FY22E FY23E Financial Position Net Loans 2,009 2,227 2,495 2,999 3,722 4,189 Growth of Net Loans 9.6% 10.8% 12.0% 20.2% 24.1% 12.6% Other Earning Assets 326 290 293 388 440 458 Deposits 1,573 1,821 2,139 2,393 2,618 2,947 Borrowings and Sub-Debt 615 514 417 674 1,163 1,187 Common equity 213 247 293 355 395 455 Book Value Per Share ($) 97.2 113.2 134.2 161.1 179.5 206.7 Source: FDIC Filings, Author's Estimates (In USD million unless otherwise specified) Margin to Take a Hit from Higher Interest Rates The net interest income stands to suffer from higher interest rates because the deposit book is more rate sensitive than the loan portfolio. As almost all of the loan book is comprised of real estate loans, which are mostly fixed-rate based, the average earning-asset yield has a low beta (sensitivity to rates). At the same time, Hingham’s deposit book is moderately sensitive to interest rate changes because of its composition. Accounts that will re-price soon after a rate hike, namely regular, money market, and NOW, made up 36.6% of total deposits at the end of June 2022. The management’s rate-sensitivity model estimates that net income would DECREASE by 10% over 12 months if rates rose by 200 basis points, as mentioned in the 10-K filing for 2021. As mentioned in the latest 10-Q filing, the rate sensitivity hasn't changed much since the release of the 10-K filing. Considering these factors, I'm expecting the net interest margin to dip by 35 basis points in the second half of 2022 and a further 10 basis points in the first quarter of 2023. Beyond the first quarter of next year, I'm expecting the margin to stabilize. Normalized Provisioning Likely Hingham Institution has remarkable asset quality as nonaccrual loans made up just 0.03% of total loans at the end of 2022. The allowances seem quite high in comparison to the nonaccrual loans. As of June 2022, allowances made up 0.68% of total loans. As yields are unlikely to rise much on loans, heightened interest rates will have barely any impact on the borrower's ability to service their debt. Heightened inflation and a possible recession could, however, lead to financial stress. Nevertheless, I'm not too worried because the loan loss coverage currently seems excessive. Overall, I'm expecting the provisioning to return to a normal level through the end of 2023. Consequently, I'm expecting the annualized net provision expense to make up 0.08% of total loans in each of the remaining quarters of 2022 and 2023. In comparison, the provision expense averaged 0.07% of total loans from 2017 to 2019, and 0.08% in the last five years. Expecting Core Earnings to Grow by 11% The surge in the loan portfolio this year will likely be the chief driver of earnings. On the other hand, margin contraction will likely limit the increase in the net interest income, and consequently net income. Overall, I'm expecting Hingham Institution to report core earnings of $28.47 per share for 2022, up 11% year over year. On a GAAP basis, which includes equity gains and losses, I'm expecting the company to report earnings of $21.53 per share for 2022, down 30% year over year. Earnings will decline on a GAAP basis due to hefty losses on sales of equities in the first half of 2022. For 2023, I'm expecting Hingham Institution to report earnings of $30.73 per share, up 8% year-over-year. The following table shows my income statement estimates. FY18 FY19 FY20 FY21 FY22E FY23E Income Statement Net interest income 66 67 85 102 115 119 Provision for loan losses 1 2 2 3 5 3 Non-interest income (2) 9 9 15 (16) 7 Non-interest expense 20 21 22 22 27 30 Net income - Common Sh. 30 39 51 67 47 68 EPS - Diluted ($) 13.90 17.83 23.25 30.65 21.53 30.73 Core EPS - Diluted ($) 14.99 15.12 20.43 25.70 28.47 30.73 Source: FDIC Filings, Earnings Releases, Author's Estimates (In USD million unless otherwise specified)
Seeking Alpha • Jul 28

Hingham Institution for Savings goes ex dividend tomorrow

Hingham Institution for Savings (NASDAQ:HIFS) has declared $0.59/share quarterly dividend, 3.5% increase from prior dividend of $0.57. Payable Aug. 10; for shareholders of record Aug. 1; ex-div July 29. See HIFS Dividend Scorecard, Yield Chart, & Dividend Growth.
Article d’analyse • Jul 21

Hingham Institution for Savings (NASDAQ:HIFS) Is Increasing Its Dividend To $0.59

Hingham Institution for Savings ( NASDAQ:HIFS ) will increase its dividend from last year's comparable payment on the...
Seeking Alpha • Jul 15

Hingham Institution for Savings Non-GAAP EPS of $6.93, revenue of $14.47M

Hingham Institution for Savings press release (NASDAQ:HIFS): Q2 Non-GAAP EPS of $6.93. Revenue of $14.47M (-56.9% Y/Y).
Seeking Alpha • Feb 22

Hingham: One Of The Top-Performing Banks In The U.S.

Hingham is one of the most efficiently operated banks in the U.S. Superior credit quality has been tested by COVID, showing very limited loan loss in FY20. Insiders own 17% of the bank, showing confidence in the franchise.
Seeking Alpha • Dec 13

Hingham Institution: Loan Growth Likely To Counter Margin Compression

Improvement in the labor market and expansion in San Francisco Bay area will likely drive loan growth next year. The balance sheet is positioned such that an interest rate hike will likely hurt net interest income in the short term. The current market price is above the December 2022 target price.

Rendement pour les actionnaires

HIFSUS BanksUS Marché
7D8.3%3.2%1.0%
1Y15.9%22.4%28.7%

Rendement vs Industrie: HIFS a sous-performé le secteur US Banks qui a rapporté 22.4 % au cours de l'année écoulée.

Rendement vs marché: HIFS a sous-performé le marché US qui a rapporté 28.7 % au cours de l'année écoulée.

Volatilité des prix

Is HIFS's price volatile compared to industry and market?
HIFS volatility
HIFS Average Weekly Movement5.3%
Banks Industry Average Movement3.5%
Market Average Movement7.2%
10% most volatile stocks in US Market16.4%
10% least volatile stocks in US Market3.1%

Cours de l'action stable: HIFS n'a pas connu de volatilité de prix significative au cours des 3 derniers mois par rapport au marché US.

Volatilité au fil du temps: La volatilité hebdomadaire de HIFS ( 5% ) est restée stable au cours de l'année écoulée.

À propos de l'entreprise

FondéeSalariésPDGSite web
183495Robert Gaughenwww.hinghamsavings.com

Hingham Institution for Savings fournit divers services financiers aux particuliers et aux petites entreprises aux États-Unis. Elle propose des comptes d'épargne, de chèques, du marché monétaire, des certificats à terme, des comptes à vue et des ordres de retrait négociables, ainsi que des certificats de dépôt. La société propose des prêts immobiliers commerciaux et résidentiels, des prêts à la construction, des prêts hypothécaires, des prêts à la consommation et des prêts commerciaux, ainsi que l'origination de prêts.

Hingham Institution for Savings Résumé des fondamentaux

Comment les bénéfices et les revenus de Hingham Institution for Savings se comparent-ils à sa capitalisation boursière ?
HIFS statistiques fondamentales
Capitalisation boursièreUS$623.07m
Bénéfices(TTM)US$50.28m
Recettes(TTM)US$97.51m
12.4x
Ratio P/E
1.3x
Rapport P/B

Le site HIFS est-il surévalué ?

Voir Juste valeur et analyse de l'évaluation

Bénéfices et recettes

Principales statistiques de rentabilité tirées du dernier rapport sur les bénéfices (TTM)
HIFS compte de résultat (TTM)
RecettesUS$97.51m
Coût des recettesUS$0
Marge bruteUS$97.51m
Autres dépensesUS$47.23m
Les revenusUS$50.28m

Derniers bénéfices déclarés

Mar 31, 2026

Prochaine date de publication des résultats

s/o

Résultat par action (EPS)22.88
Marge brute100.00%
Marge bénéficiaire nette51.56%
Ratio dettes/capitaux propres292.9%

Quelles ont été les performances à long terme de HIFS?

Voir les performances historiques et les comparaisons

Dividendes

0.9%
Rendement actuel des dividendes
11%
Ratio de distribution

Analyse de l'entreprise et données financières

DonnéesDernière mise à jour (heure UTC)
Analyse de l'entreprise2026/05/22 16:54
Cours de l'action en fin de journée2026/05/22 00:00
Les revenus2026/03/31
Revenus annuels2025/12/31

Sources de données

Les données utilisées dans notre analyse de l'entreprise proviennent de S&P Global Market Intelligence LLC. Les données suivantes sont utilisées dans notre modèle d'analyse pour générer ce rapport. Les données sont normalisées, ce qui peut entraîner un délai avant que la source ne soit disponible.

PaquetDonnéesCadre temporelExemple de source américaine *
Finances de l'entreprise10 ans
  • Compte de résultat
  • Tableau des flux de trésorerie
  • Bilan
Estimations consensuelles des analystes+3 ans
  • Prévisions financières
  • Objectifs de prix des analystes
Prix du marché30 ans
  • Cours des actions
  • Dividendes, scissions et actions
Propriété10 ans
  • Actionnaires principaux
  • Délits d'initiés
Gestion10 ans
  • L'équipe dirigeante
  • Conseil d'administration
Principaux développements10 ans
  • Annonces de l'entreprise

* Exemple pour les titres américains ; pour les titres non américains, des formulaires réglementaires et des sources équivalentes sont utilisés.

Sauf indication contraire, toutes les données financières sont basées sur une période annuelle mais mises à jour trimestriellement. C'est ce qu'on appelle les données des douze derniers mois (TTM) ou des douze derniers mois (LTM). En savoir plus.

Modèle d'analyse et flocon de neige

Les détails du modèle d’analyse utilisé pour générer ce rapport sont disponibles sur notre page Github; nous proposons également des guides expliquant comment utiliser nos rapports et des tutoriels sur Youtube.

Découvrez l'équipe de classe mondiale qui a conçu et construit le modèle d'analyse Simply Wall St.

Indicateurs de l'industrie et du secteur

Nos indicateurs de secteur et de section sont calculés toutes les 6 heures par Simply Wall St. Les détails de notre processus sont disponibles sur Github.

Sources des analystes

Hingham Institution for Savings est couverte par 0 analystes. 0 de ces analystes ont soumis les estimations de revenus ou de bénéfices utilisées comme données d'entrée dans notre rapport. Les soumissions des analystes sont mises à jour tout au long de la journée.