HIFS
NEUTRAL
$293.24
Live
Hingham Institution for Savings · NASDAQ
$220.76
52W Range
$338.0
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Apr 11, 2026
Market cap
$640.51M
P/E
11.85
ROE
12.0%
Profit margin
53.1%
Debt/Equity
N/A
Dividend yield
0.86%
AI Analysis
AI-powered fundamental assessment
Confidence
75%
HIFS presents a stark contrast between fundamental value and operational health, characterized by a weak Piotroski F-Score of 3/9. While the stock is significantly undervalued relative to its Graham Number ($350.04) and Intrinsic Value ($730.12), the deterministic health markers are concerning. Explosive YoY revenue growth (55.10%) and earnings growth (81.50%) are the primary bullish drivers, but these are heavily offset by bearish insider selling and a 0/100 technical trend.
Key Strengths
Exceptional YoY revenue growth of 55.10%
Strong earnings growth of 81.50%
Trading at a significant discount to Graham Number ($350.04) and Intrinsic Value ($730.12)
Low P/E ratio (11.85) compared to the financial services sector average (53.43)
High operating margin of 80.12%
Key Risks
Weak financial health indicated by a Piotroski F-Score of 3/9
Strongly bearish insider sentiment with $3.33M in net sales
Bearish technical trend (0/100)
Low dividend yield (0.86%) providing little income support
Lack of analyst coverage and target price guidance
AI Fair Value Estimate
Based on comprehensive analysis
$335.0
+14.2% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
59
Moderate
85
90
70
20
30
AI Verdict
Speculative Value
Key drivers: Extreme growth rates, Deep valuation discount, Poor health scorecard, Insider divestment
Confidence
80%
Value
85/100
Ref P/E 11.85, Graham Number $350.04
Positives
- Price below Graham Number
- Low P/E relative to peers
- P/B ratio of 1.33 is reasonable
Watchpoints
- Price/Sales ratio of 6.23 is slightly elevated
Future
90/100
Ref YoY Growth metrics
Positives
- 55% Revenue growth
- 81% Earnings growth
Watchpoints
- Sustainability of hyper-growth in regional banking is questionable
Past
70/100
Ref Historical price performance
Positives
- Strong 1Y change (+35.6%)
- Positive 3Y and 5Y trajectories
Watchpoints
- Recent technical trend has turned bearish
Health
20/100
Ref Piotroski F-Score
Positives
- Positive ROE (11.97%)
Watchpoints
- Piotroski F-Score of 3/9 indicates weak financial health
Dividend
30/100
Ref Yield and Payout Ratio
Positives
- Low payout ratio (12.72%) suggests room for growth
Watchpoints
- Very low yield (0.86%)
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$293.24
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for HIFS and closest competitors.
Updated 2026-04-10
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
HIFS
Hingham Institution for Savings
Primary
|
+8.4% | +36.6% | +35.6% | +8.5% | +5.8% | +2.7% |
|
GLRE
Greenlight Capital Re, Ltd.
Peer
|
+106.4% | +97.1% | +40.8% | +49.6% | +25.5% | +5.2% |
|
DGICA
Donegal Group Inc.
Peer
|
+39.8% | +28.3% | -0.2% | -11.2% | +0.8% | -0.3% |
|
CWBC
Community West Bancshares
Peer
|
+37.9% | +33.4% | +43.2% | +13.4% | +2.0% | -0.3% |
|
AMSF
AMERISAFE, Inc.
Peer
|
-24.1% | -19.1% | -31.7% | -23.1% | -14.5% | -4.4% |
HIF
Hingham Institution for Savings
Primary
5Y
+8.4%
3Y
+36.6%
1Y
+35.6%
6M
+8.5%
1M
+5.8%
1W
+2.7%
GLR
Greenlight Capital Re, Ltd.
Peer
5Y
+106.4%
3Y
+97.1%
1Y
+40.8%
6M
+49.6%
1M
+25.5%
1W
+5.2%
DGI
Donegal Group Inc.
Peer
5Y
+39.8%
3Y
+28.3%
1Y
-0.2%
6M
-11.2%
1M
+0.8%
1W
-0.3%
CWB
Community West Bancshares
Peer
5Y
+37.9%
3Y
+33.4%
1Y
+43.2%
6M
+13.4%
1M
+2.0%
1W
-0.3%
AMS
AMERISAFE, Inc.
Peer
5Y
-24.1%
3Y
-19.1%
1Y
-31.7%
6M
-23.1%
1M
-14.5%
1W
-4.4%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
11.85
Forward P/E
N/A
PEG Ratio
N/A
P/B Ratio
1.33
P/S Ratio
6.23
EV/Revenue
20.42
EV/EBITDA
N/A
Market Cap
$640.51M
Profitability
Profit margins and return metrics
Profit Margin
53.08%
Operating Margin
80.12%
Gross Margin
N/A
ROE
11.97%
ROA
1.21%
Growth
Revenue and earnings growth rates
Revenue Growth
+55.1%
Earnings Growth
+81.5%
Q/Q Revenue Growth
+57.61%
Q/Q Earnings Growth
+82.1%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$3.06
Financial Statement Flow
Interactive flow visualization showing how money moves through the company Q4 2025
Revenue
$0.0B
Net Margin
59.2%
Total Assets
$4.5B
Liabilities
$4.1B
Equity
$0.5B
Debt/Equity
8.47x
Operating CF
$0.0B
CapEx
$-0.0B
Free Cash Flow
$0.0B
FCF Yield
99%
Quarterly Earnings History
EPS performance vs analyst estimates
2026-04-13
$N/A
Financial Services Sector Comparison
Comparing HIFS against 341 companies in the Financial Services sector
(60 bullish, 147 neutral, 134 bearish)
P/E Ratio
11.85
This Stock
vs
54.09
Sector Avg
-78.1%
(Discount)
Return on Equity (ROE)
11.97%
This Stock
vs
-0.66%
Sector Avg
-1909.9%
(Below Avg)
Profit Margin
53.08%
This Stock
vs
63.27%
Sector Avg
-16.1%
(Weaker)
Revenue Growth
55.1%
This Stock
vs
44.9%
Sector Avg
+22.7%
(Fast Growth)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
HIFS
Hingham Institution for Savings
|
NEUTRAL | $640.51M | 11.85 | 12.0% | 53.1% | $293.24 | |
|
GLRE
Greenlight Capital Re, Ltd.
|
NEUTRAL | $638.21M | 8.46 | 11.1% | 10.4% | $18.78 | Compare |
|
DGICA
Donegal Group Inc.
|
NEUTRAL | $633.49M | 7.85 | 13.4% | 8.1% | $17.12 | Compare |
|
CWBC
Community West Bancshares
|
BULLISH | $629.89M | 11.61 | 9.9% | 26.7% | $23.22 | Compare |
|
AMSF
AMERISAFE, Inc.
|
BEARISH | $621.67M | 13.3 | 18.5% | 14.9% | $32.85 | Compare |
HIFS
Hingham...
NEUTRAL
Mkt Cap
$641M
P/E
11.8
ROE
12.0%
Price
$293.24
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-03-17 | CORRIGAN MARGARET A | Beneficial Owner of more than 10% of a Class of Security | Sale | 9,044 | $2,510,795 |
| 2026-03-17 | CORRIGAN MARGARET A | Beneficial Owner of more than 10% of a Class of Security | Option Exercise | 9,044 | $1,141,081 |
| 2026-02-11 | HERNANDO JULIO R | Director | Option Exercise | 1,000 | $126,170 |
| 2026-01-23 | YOUNGWORTH JACQUELINE M | Director | Sale | 250 | $78,250 |
| 2026-01-22 | MELEJ GESCHE CRISTIAN A | Chief Financial Officer | Sale | 1,000 | $318,000 |
| 2026-01-22 | MELEJ GESCHE CRISTIAN A | Chief Financial Officer | Option Exercise | 1,000 | $138,300 |
| 2026-01-20 | YOUNGWORTH JACQUELINE M | Director | Sale | 200 | $58,200 |
| 2025-11-24 | YOUNGWORTH JACQUELINE M | Director | Sale | 200 | $57,600 |
| 2025-10-24 | MELEJ GESCHE CRISTIAN A | Chief Financial Officer | Sale | 1,000 | $309,990 |
| 2025-10-24 | MELEJ GESCHE CRISTIAN A | Chief Financial Officer | Option Exercise | 1,000 | $138,300 |
CORRIGAN MARGARET A
Beneficial Owner of more than 10% of a Class of Security
2026-03-17
9,044 shares
·
$2,510,795
CORRIGAN MARGARET A
Beneficial Owner of more than 10% of a Class of Security
2026-03-17
9,044 shares
·
$1,141,081
HERNANDO JULIO R
Director
2026-02-11
1,000 shares
·
$126,170
YOUNGWORTH JACQUELINE M
Director
2026-01-23
250 shares
·
$78,250
MELEJ GESCHE CRISTIAN A
Chief Financial Officer
2026-01-22
1,000 shares
·
$318,000
MELEJ GESCHE CRISTIAN A
Chief Financial Officer
2026-01-22
1,000 shares
·
$138,300
YOUNGWORTH JACQUELINE M
Director
2026-01-20
200 shares
·
$58,200
YOUNGWORTH JACQUELINE M
Director
2025-11-24
200 shares
·
$57,600
MELEJ GESCHE CRISTIAN A
Chief Financial Officer
2025-10-24
1,000 shares
·
$309,990
MELEJ GESCHE CRISTIAN A
Chief Financial Officer
2025-10-24
1,000 shares
·
$138,300
Insider transactions can signal confidence or concerns about company prospects
Past News Coverage
Recent headlines mentioning HIFS from our newsroom.
Newest → oldest
No matching news yet.