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Hingham Institution for SavingsNasdaqGM:HIFS Rapporto sulle azioni

Cap. di mercato US$632.6m
Prezzo delle azioni
US$287.89
US$140.55
104.8% sopravvalutato sconto intrinseco
1Y25.2%
7D-0.5%
1D
Valore del portafoglio
​
Vista

Hingham Institution for Savings

Report azionario NasdaqGM:HIFS

Capitalizzazione di mercato: US$632.6m

Hingham Institution for Savings (HIFS) Panoramica del titolo

Hingham Institution for Savings fornisce vari servizi finanziari a privati e piccole imprese negli Stati Uniti. Maggiori dettagli

HIFS analisi fondamentale
Punteggio fiocco di neve
Valutazione1/6
Crescita futura0/6
Prestazioni passate4/6
Salute finanziaria4/6
Dividendi2/6

Premi

Il rapporto prezzo/utile ( 12.6 x) è inferiore al mercato US ( 18.7 x)

Gli utili sono cresciuti del 76.7% nell'ultimo anno

Analisi del rischio

Gli utili sono diminuiti del 13.9% all'anno negli ultimi 5 anni

Importanti vendite da parte di insider negli ultimi 3 mesi


HIFS Community Fair Values

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Concorrenti di Hingham Institution for Savings

Storia dei prezzi e prestazioni

Riepilogo dei massimi, dei minimi e delle variazioni dei prezzi delle azioni per Hingham Institution for Savings
Prezzi storici delle azioni
Prezzo attuale dell'azioneUS$287.89
Massimo di 52 settimaneUS$338.00
Minimo di 52 settimaneUS$220.76
Beta0.84
Variazione di 1 mese1.52%
Variazione a 3 mesi5.00%
Variazione di 1 anno25.22%
Variazione a 3 anni31.19%
Variazione a 5 anni-2.18%
Variazione dall'IPO4,906.78%

Notizie e aggiornamenti recenti

Seeking Alpha • Jun 06

Asset Quality Concerns Linger For Hingham Institution For Savings

Summary Hingham Institution for Savings remains a Hold, with significant risks balancing out the growth in profits seen over the last year. HIFS faces persistent asset quality deterioration, with non-accrual loans rising to 0.97% and nonperforming assets to 0.87% in Q1 2026. The bank’s net interest margin (2.04%) and loan yield (4.86%) lag peers, while funding costs and high CRE exposure add to risk. Macroeconomic headwinds in core markets and elevated short interest warrant caution. Read the full article on Seeking Alpha
Articolo di analisi • 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 • Jun 06

Asset Quality Concerns Linger For Hingham Institution For Savings

Summary Hingham Institution for Savings remains a Hold, with significant risks balancing out the growth in profits seen over the last year. HIFS faces persistent asset quality deterioration, with non-accrual loans rising to 0.97% and nonperforming assets to 0.87% in Q1 2026. The bank’s net interest margin (2.04%) and loan yield (4.86%) lag peers, while funding costs and high CRE exposure add to risk. Macroeconomic headwinds in core markets and elevated short interest warrant caution. Read the full article on Seeking Alpha
Articolo di analisi • 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...
Articolo di analisi • 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...
Articolo di analisi • 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...
Articolo di analisi • 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...
Articolo di analisi • 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...
Articolo di analisi • 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
Articolo di analisi • 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...
Articolo di analisi • 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.
Articolo di analisi • 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.

Rendimenti per gli azionisti

HIFSUS BanksUS Mercato
7D-0.5%3.1%-2.8%
1Y25.2%21.1%22.8%

Ritorno vs Industria: HIFS ha superato il US Banks che ha restituito 21.1 % nell'ultimo anno.

Rendimento vs Mercato: HIFS ha superato il mercato US che ha restituito 22.8 % nell'ultimo anno.

Volatilità dei prezzi

Is HIFS's price volatile compared to industry and market?
HIFS volatility
HIFS Average Weekly Movement4.9%
Banks Industry Average Movement3.2%
Market Average Movement7.2%
10% most volatile stocks in US Market16.6%
10% least volatile stocks in US Market3.1%

Prezzo delle azioni stabile: HIFS non ha avuto una volatilità dei prezzi significativa negli ultimi 3 mesi rispetto al mercato US.

Volatilità nel tempo: La volatilità settimanale ( 5% ) di HIFS è rimasta stabile nell'ultimo anno.

Informazioni sull'azienda

FondatoI dipendentiAMMINISTRATORE DELEGATOSito web
183495Robert Gaughenwww.hinghamsavings.com

Hingham Institution for Savings fornisce vari servizi finanziari a privati e piccole imprese negli Stati Uniti. Offre conti di risparmio, assegni, mercato monetario, certificati a termine, a vista e con ordine di prelievo negoziabile, nonché certificati di deposito. L'azienda offre prestiti per immobili commerciali e residenziali ad uso dei proprietari, per l'edilizia, per la casa, per i consumatori e per il commercio, e la creazione di prestiti.

Hingham Institution for Savings Riepilogo dei fondamenti

Come si confrontano gli utili e i ricavi di Hingham Institution for Savings con la sua capitalizzazione di mercato?
HIFS statistiche fondamentali
Capitalizzazione di mercatoUS$632.57m
Utili (TTM)US$50.28m
Ricavi(TTM)US$97.51m
12.6x
Rapporto P/E
1.3x
Rapporto P/B

HIFS è sopravvalutato?

Vedi Fair Value e analisi di valutazione

Utili e ricavi

Statistiche chiave sulla redditività dall'ultima relazione sugli utili (TTM)
HIFS Conto economico (TTM)
RicaviUS$97.51m
Costo del fatturatoUS$0
Profitto lordoUS$97.51m
Altre speseUS$47.23m
UtiliUS$50.28m

Ultimi utili riportati

Mar 31, 2026

Prossima data di guadagno

n/a

Utile per azione (EPS)22.88
Margine lordo100.00%
Margine di profitto netto51.56%
Rapporto debito/patrimonio netto292.9%

Come si è comportato HIFS nel lungo periodo?

Vedi performance storica e confronto

Dividendi

0.9%
Rendimento attuale del dividendo
11%
Rapporto di remunerazione

Analisi aziendale e situazione dei dati finanziari

DatiUltimo aggiornamento (ora UTC)
Analisi dell'azienda2026/06/07 03:51
Prezzo dell'azione a fine giornata2026/06/05 00:00
Utili2026/03/31
Utili annuali2025/12/31

Fonti dei dati

I dati utilizzati nella nostra analisi aziendale provengono da S&P Global Market Intelligence LLC. I seguenti dati sono utilizzati nel nostro modello di analisi per generare questo report. I dati sono normalizzati, il che può comportare un ritardo nella disponibilità della fonte.

PacchettoDatiTempisticaEsempio Fonte USA *
Dati finanziari della società10 anni
  • Conto economico
  • Rendiconto finanziario
  • Bilancio
Stime di consenso degli analisti+3 anni
  • Previsioni finanziarie
  • Obiettivi di prezzo degli analisti
Prezzi di mercato30 anni
  • Prezzi delle azioni
  • Dividendi, scissioni e azioni
Proprietà10 anni
  • Top azionisti
  • Insider trading
Gestione10 anni
  • Team di leadership
  • Consiglio di amministrazione
Sviluppi principali10 anni
  • Annunci aziendali

* Esempio per i titoli statunitensi, per i titoli non statunitensi si utilizzano forme e fonti normative equivalenti.

Se non specificato, tutti i dati finanziari si basano su un periodo annuale ma vengono aggiornati trimestralmente. Si tratta dei cosiddetti dati TTM (Trailing Twelve Month) o LTM (Last Twelve Month). Per saperne di più.

Modello di analisi e Snowflake

I dettagli del modello di analisi utilizzato per generare questo report sono disponibili sulla nostra pagina Github; abbiamo anche guide su come utilizzare i nostri report e tutorial su Youtube.

Scoprite il team di livello mondiale che ha progettato e realizzato il modello di analisi Simply Wall St.

Metriche di settore e industriali

Le nostre metriche di settore e di sezione sono calcolate ogni 6 ore da Simply Wall St; i dettagli del nostro processo sono disponibili su Github.

Fonti analitiche

Hingham Institution for Savings è coperta da 0 analisti. 0 di questi analisti ha fornito le stime di fatturato o di utile utilizzate come input per il nostro report. Le stime degli analisti vengono aggiornate nel corso della giornata.