HIFS
Hingham Institution for Savings
HIFS's fundamentals are strong: its operating margin rose 15 points to 36% and revenue grew 13%. At 10x earnings, it's trading below its usual 13x.
HIFS Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
HIFS's profitability is currently strong, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like HIFS.
HIFS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Current | 10x | $301 | — |
| Cheap | 11x | $322 | +7% |
| Fair | 13x | $380 | +26% |
| Expensive | 19x | $570 | +90% |
Historical ranges are pointers, not guarantees.
HIFS's PE is in its cheap range at 10x.
HIFS Forward outlook
There aren't enough analyst estimates for HIFS to show an outlook.
HIFS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q2 2026 | $30.02 | +95% |
| Q1 2026 | $22.81 | +76% |
| Q4 2025 | $24.76 | +93% |
| Q3 2025 | $20.55 | +95% |
| Q2 2025 | $15.36 | +63% |
| Q1 2025 | $12.96 | +15% |
| Q4 2024 | $12.85 | +6.9% |
| Q3 2024 | $10.56 | -28% |
HIFS earned $30.02 per share over the past year, up 95% from the year before.
HIFS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q2 2026 | $72M | +33% |
| Q1 2026 | $42.1M | -18% |
| Q4 2025 | $66.8M | +14% |
| Q3 2025 | $64.5M | +21% |
| Q2 2025 | $54.1M | +4.5% |
| Q1 2025 | $51.4M | -4.3% |
| Q4 2024 | $58.7M | +12% |
| Q3 2024 | $53.2M | +16% |
HIFS's revenue is growing: $72M last quarter, up 33% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q2 2026 | 46% | +23 points |
| Q1 2026 | 10% | -9.2 points |
| Q4 2025 | 40% | +15 points |
| Q3 2025 | 36% | +21 points |
| Q2 2025 | 24% | +13 points |
| Q1 2025 | 19% | +4.2 points |
| Q4 2024 | 26% | +10 points |
| Q3 2024 | 15% | +4.9 points |
HIFS's operating margin was 46% last quarter, up 23 points from the same quarter a year ago.
HIFS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q2 2026 | $3.6M | -34% |
| Q1 2026 | $13.1M | +15% |
| Q4 2025 | $7.5M | +385% |
| Q3 2025 | $11.1M | +208% |
| Q2 2025 | $5.4M | +89% |
| Q1 2025 | $11.5M | +208% |
| Q4 2024 | $1.6M | -63% |
| Q3 2024 | $3.6M | -33% |
HIFS's free cash flow was $35M over the past year, up 61% from the year before. Free cash flow isn't a meaningful measure for financial services companies like HIFS.
HIFS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.2% | +4K shares |
| 1 year | +0.6% | +13K shares |
| 3 years | +1% | +22K shares |
| 5 years | +0.6% | +12.4K shares |
| Available history | +1.4% | +30K shares |
HIFS has 2M diluted shares, up 0.6% from a year ago.
| Quarter | Spent |
|---|---|
| Q2 2026 | — |
| Q1 2026 | — |
| Q4 2025 | — |
| Q3 2025 | — |
| Q2 2025 | — |
| Q1 2025 | — |
| Q4 2024 | — |
| Q3 2024 | — |
HIFS hasn't bought back shares in the past year.
HIFS Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q2 2026 | 15.8x | High |
| Q1 2026 | 20.7x | High |
| Q4 2025 | 19.8x | High |
| Q3 2025 | 18.9x | High |
| Q2 2025 | 26.2x | High |
| Q1 2025 | 28.4x | High |
| Q4 2024 | 30.7x | High |
| Q3 2024 | 38.2x | High |
HIFS's net debt is about 16 years of its operating earnings (EBITDA), down from more than 20 years a year ago. Net leverage isn't a meaningful measure for financial services companies like HIFS.
HIFS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 52.3 | Neutral |
| Stochastic | 44.0 | Neutral |
HIFS's weekly RSI is 52 (neutral) and its Stochastic is 44 (neutral).
HIFS PE vs Financial Services Sector
| Metric | HIFS | Sector median | Relative |
|---|---|---|---|
| PE | 10x | 13x | 23% below |
| PE % | 10 | 63 | 53 pts below |
HIFS is trading at 10x earnings, a 23% discount to the Financial Services sector's median of 13x.
HIFS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $296.3 | 1.5% above |
| 20 week MA | $298.3 | 0.8% above |
| 50 week MA | $293.2 | 2.5% above |
| 100 week MA | $275.4 | 9.2% above |
| 200 week MA | $242.8 | 24% above |
HIFS is in an uptrend: it's above all five of its weekly moving averages, and 24% above its 200-week average.
HIFS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $209.9 | $216.2 | +3% |
| 2021 | $216.2 | $391.5 | +81% |
| 2022 | $391.5 | $276.3 | -29% |
| 2023 | $276.3 | $194.4 | -30% |
| 2024 | $194.4 | $253.1 | +30% |
| 2025 | $253.1 | $291.2 | +15% |
| 2026 YTD | $291.2 | $300.6 | +3.2% |
HIFS has finished higher in four of the last six years. It's up 3.2% so far in 2026.