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Hingham Institution for Savings logo

Hingham Institution for Savings

HIFS

NASDAQFinancial ServicesBanks - Regional

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Previous close

$297.42

−$1.48 · -0.50%

Aug 21, 4:00 PM ET

HIFS company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

80

Undervalued

Momentum

49

Neutral

Sentiment

59

Mixed

Risk resilience

66

Moderate Risk

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Company profile

Company website

Hingham Institution for Savings is a financial services provider that offers a diverse array of banking solutions to both individual consumers and corporate entities throughout the U.S. Its comprehensive selection of deposit accounts encompasses savings, checking, money market, demand deposit, and negotiable order of withdrawal (NOW) options, alongside certificates of deposit (CDs). The institution also extends credit through various loan products, including financing for commercial and residential real estate, construction projects, home equity lines, general business needs, and personal consumer purposes. Furthermore, for customer convenience, it makes available automated teller machines (ATMs), debit cards, and a robust online banking platform. Its service delivery model includes a network of six physical branches situated across Boston and eastern Massachusetts, supplemented by commercial lenders and dedicated relationship managers operating in Washington. Established in 1834, Hingham Institution for Savings maintains its principal office in Hingham, Massachusetts.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
US
CEO
Robert H. Gaughen Jr.
Listed since
Dec 14, 1988
Employees
93

Market position

Day range

Current $297.42

52-week range

Current $297.42

Open
$300.69
Previous close
$298.9
Volume
48.15K
1.3× average
Average volume
36.96K
Average daily volume
Market cap
648.45M USD
Beta
0.82
Market reference 1
50-day average
$295.99
+0.48% above average
200-day average
$290.43
+2.41% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
2.08B USD
EV / EBITDA
28.32×
Earnings yield
8.80%
Free cash flow yield
5.73%

Profitability & efficiency

Return on equity
11.37%
Return on assets
1.20%
Return on invested capital
1.20%

Financial health

Current ratio
0.02×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends99%68%36%5%Gross margin, FY2021: 91.05%Gross margin, FY2022: 68.39%Gross margin, FY2023: 33.30%Gross margin, FY2024: 30.14%Gross margin, FY2025: 43.64%Operating margin, FY2021: 75.06%Operating margin, FY2022: 45.91%Operating margin, FY2023: 18.47%Operating margin, FY2024: 16.80%Operating margin, FY2025: 30.74%Net margin, FY2021: 54.64%Net margin, FY2022: 31.71%Net margin, FY2023: 13.84%Net margin, FY2024: 12.97%Net margin, FY2025: 23.04%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 91.05%. Gross margin FY2022 68.39%. Gross margin FY2023 33.30%. Gross margin FY2024 30.14%. Gross margin FY2025 43.64%. Operating margin FY2021 75.06%. Operating margin FY2022 45.91%. Operating margin FY2023 18.47%. Operating margin FY2024 16.80%. Operating margin FY2025 30.74%. Net margin FY2021 54.64%. Net margin FY2022 31.71%. Net margin FY2023 13.84%. Net margin FY2024 12.97%. Net margin FY2025 23.04%.

Income trends

Revenue

236.76M USD+8.92%

Operating income

72.78M USD+99.32%

Net income

54.55M USD+93.51%
Income trends across reported periods257.8M USD173.64M USD89.49M USD5.33M USDRevenue, FY2021: 123.46M USDRevenue, FY2022: 118.31M USDRevenue, FY2023: 190.52M USDRevenue, FY2024: 217.38M USDRevenue, FY2025: 236.76M USDOperating income, FY2021: 92.67M USDOperating income, FY2022: 54.32M USDOperating income, FY2023: 35.19M USDOperating income, FY2024: 36.52M USDOperating income, FY2025: 72.78M USDNet income, FY2021: 67.46M USDNet income, FY2022: 37.52M USDNet income, FY2023: 26.37M USDNet income, FY2024: 28.19M USDNet income, FY2025: 54.55M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 123.46M USD. Revenue FY2022 118.31M USD. Revenue FY2023 190.52M USD. Revenue FY2024 217.38M USD. Revenue FY2025 236.76M USD. Operating income FY2021 92.67M USD. Operating income FY2022 54.32M USD. Operating income FY2023 35.19M USD. Operating income FY2024 36.52M USD. Operating income FY2025 72.78M USD. Net income FY2021 67.46M USD. Net income FY2022 37.52M USD. Net income FY2023 26.37M USD. Net income FY2024 28.19M USD. Net income FY2025 54.55M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue236.76M USD217.38M USD190.52M USD118.31M USD123.46M USD
Cost of goods sold133.45M USD151.85M USD127.08M USD37.4M USD11.05M USD
Gross profit103.33M USD65.53M USD63.44M USD80.91M USD112.41M USD
Selling, general, and administrative26.31M USD24.25M USD23.76M USD22.43M USD18.67M USD
Operating expenses30.55M USD29.01M USD28.21M USD26.59M USD19.74M USD
Interest income206.83M USD195.9M USD174.26M USD139.03M USD110.49M USD
Interest expense132.43M USD151.52M USD125.96M USD32.89M USD8.03M USD
Depreciation and amortization561K USD750K USD685K USD494K USD543K USD
Operating income72.78M USD36.52M USD35.19M USD54.32M USD92.67M USD
Net income54.55M USD28.19M USD26.37M USD37.52M USD67.46M USD

Company facts updated Aug 24, 2026.

Earnings

Latest EPS result
4.82

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Estimates unavailable
Quarterly EPS actual values compared with estimates5.093.82.511.22Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Q4 2024, reported Oct 11, 2024: actual 1.44, estimate —, surprise —, Comparison unavailable. Q1 2025, reported Jan 17, 2025: actual 2.16, estimate —, surprise —, Comparison unavailable. Q2 2025, reported Apr 11, 2025: actual 2.78, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Jul 11, 2025: actual 3.39, estimate —, surprise —, Comparison unavailable. Q4 2025, reported Oct 10, 2025: actual 3.86, estimate —, surprise —, Comparison unavailable. Q1 2026, reported Jan 16, 2026: actual 4.54, estimate —, surprise —, Comparison unavailable. Q2 2026, reported Apr 17, 2026: actual 4.79, estimate —, surprise —, Comparison unavailable. Q3 2026, reported Jul 17, 2026: actual 4.82, estimate —, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Estimates unavailable
Quarterly Revenue actual values compared with estimates76.53M55.33M34.13M12.92MQ4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Q4 2024, reported Oct 11, 2024: actual 15.21M USD, estimate —, surprise —, Comparison unavailable. Q1 2025, reported Jan 17, 2025: actual 22.22M USD, estimate —, surprise —, Comparison unavailable. Q2 2025, reported Apr 11, 2025: actual 51.36M USD, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Jul 11, 2025: actual 54.08M USD, estimate —, surprise —, Comparison unavailable. Q4 2025, reported Oct 10, 2025: actual 64.47M USD, estimate —, surprise —, Comparison unavailable. Q1 2026, reported Jan 16, 2026: actual 66.85M USD, estimate —, surprise —, Comparison unavailable. Q2 2026, reported Apr 17, 2026: actual 42.12M USD, estimate —, surprise —, Comparison unavailable. Q3 2026, reported Jul 17, 2026: actual 71.99M USD, estimate —, surprise —, Comparison unavailable.

Corporate actions

Corporate action history

Stock split

Effective Oct 6, 1998

3:2

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ETFs holding HIFS

Funds reporting this stock among their holdings, ordered by reported position size.

Vanguard Morningstar Total Stock Market ETF logoVanguard Morningstar Total Stock Market ETFVTI
Market value
15M
Weight
0.00%
AUM
2.3T USD
Expense ratio
0.03%
Price / 1D
$378.24+0.44%
iShares Russell 2000 ETF logoiShares Russell 2000 ETFIWM
Market value
12.88M
Weight
0.02%
AUM
81.62B USD
Expense ratio
0.19%
Price / 1D
$299.96+0.77%
State Street SPDR S&P Regional Banking ETF logoState Street SPDR S&P Regional Banking ETFKRE
Market value
12.86M
Weight
0.32%
AUM
4.06B USD
Expense ratio
0.35%
Price / 1D
$74.86+0.20%
Avantis U.S. Small Cap Value ETF logoAvantis U.S. Small Cap Value ETFAVUV
Market value
9.5M
Weight
0.03%
AUM
31.27B USD
Expense ratio
0.25%
Price / 1D
$126.45+0.66%
Opus Small Cap Value Plus ETF logoOpus Small Cap Value Plus ETFOSCV
Market value
7.62M
Weight
1.13%
AUM
697.02M USD
Expense ratio
0.79%
Price / 1D
$42.30+0.28%
Vanguard Extended Market ETF logoVanguard Extended Market ETFVXF
Market value
6.45M
Weight
0.01%
AUM
93.7B USD
Expense ratio
0.05%
Price / 1D
$245.53+0.82%
iShares Russell 2000 Value ETF logoiShares Russell 2000 Value ETFIWN
Market value
4.35M
Weight
0.03%
AUM
14.66B USD
Expense ratio
0.24%
Price / 1D
$224.81+0.45%
U.S. Micro Cap Portfolio ETF logoU.S. Micro Cap Portfolio ETFDFMC
Market value
4.15M
Weight
0.05%
AUM
8.06B USD
Expense ratio
0.43%
Price / 1D
$60.95+0.73%

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