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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 4/10

vs
industry
vs
history
Cash to Debt 0.67
HIFS's Cash to Debt is ranked lower than
61% of the 1088 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.69 vs. HIFS: 0.67 )
Ranked among companies with meaningful Cash to Debt only.
HIFS' s Cash to Debt Range Over the Past 10 Years
Min: 0.03  Med: 0.32 Max: N/A
Current: 0.67
Equity to Asset 0.08
HIFS's Equity to Asset is ranked lower than
70% of the 1578 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. HIFS: 0.08 )
Ranked among companies with meaningful Equity to Asset only.
HIFS' s Equity to Asset Range Over the Past 10 Years
Min: 0.07  Med: 0.08 Max: 0.1
Current: 0.08
0.07
0.1
Interest Coverage 3.01
HIFS's Interest Coverage is ranked higher than
66% of the 1429 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.82 vs. HIFS: 3.01 )
Ranked among companies with meaningful Interest Coverage only.
HIFS' s Interest Coverage Range Over the Past 10 Years
Min: 0.26  Med: 0.97 Max: 3.36
Current: 3.01
0.26
3.36
F-Score: 3
WACC vs ROIC
4.20%
7.19%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 8/10

vs
industry
vs
history
Operating margin (%) 61.58
HIFS's Operating margin (%) is ranked higher than
92% of the 1590 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.86 vs. HIFS: 61.58 )
Ranked among companies with meaningful Operating margin (%) only.
HIFS' s Operating margin (%) Range Over the Past 10 Years
Min: 38.49  Med: 50.73 Max: 61.66
Current: 61.58
38.49
61.66
Net-margin (%) 36.35
HIFS's Net-margin (%) is ranked higher than
82% of the 1593 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.37 vs. HIFS: 36.35 )
Ranked among companies with meaningful Net-margin (%) only.
HIFS' s Net-margin (%) Range Over the Past 10 Years
Min: 25.32  Med: 31.05 Max: 41.09
Current: 36.35
25.32
41.09
ROE (%) 14.79
HIFS's ROE (%) is ranked higher than
84% of the 1589 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.01 vs. HIFS: 14.79 )
Ranked among companies with meaningful ROE (%) only.
HIFS' s ROE (%) Range Over the Past 10 Years
Min: 8.42  Med: 13.47 Max: 19.81
Current: 14.79
8.42
19.81
ROA (%) 1.17
HIFS's ROA (%) is ranked higher than
72% of the 1598 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.86 vs. HIFS: 1.17 )
Ranked among companies with meaningful ROA (%) only.
HIFS' s ROA (%) Range Over the Past 10 Years
Min: 0.63  Med: 1.05 Max: 1.53
Current: 1.17
0.63
1.53
Revenue Growth (3Y)(%) 12.90
HIFS's Revenue Growth (3Y)(%) is ranked higher than
81% of the 1284 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.10 vs. HIFS: 12.90 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
HIFS' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -1.8  Med: 11.75 Max: 23.3
Current: 12.9
-1.8
23.3
EBITDA Growth (3Y)(%) 17.80
HIFS's EBITDA Growth (3Y)(%) is ranked higher than
77% of the 1167 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.40 vs. HIFS: 17.80 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
HIFS' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -12.6  Med: 14.70 Max: 33.9
Current: 17.8
-12.6
33.9
EPS Growth (3Y)(%) 22.50
HIFS's EPS Growth (3Y)(%) is ranked higher than
78% of the 1165 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.60 vs. HIFS: 22.50 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
HIFS' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -8.6  Med: 15.80 Max: 31.5
Current: 22.5
-8.6
31.5
» HIFS's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

HIFS Guru Trades in

Q1 2015

HIFS Guru Trades in Q1 2015

Jim Simons 2,400 sh (New)
» More
Q2 2015

HIFS Guru Trades in Q2 2015

Jim Simons 4,500 sh (+87.50%)
» More
Q3 2015

HIFS Guru Trades in Q3 2015

Jim Simons 7,800 sh (+73.33%)
» More
» Details

Insider Trades

Latest Guru Trades with HIFS

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 13.79
HIFS's P/E(ttm) is ranked lower than
64% of the 2140 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.49 vs. HIFS: 13.79 )
Ranked among companies with meaningful P/E(ttm) only.
HIFS' s P/E(ttm) Range Over the Past 10 Years
Min: 7.5  Med: 11.60 Max: 18.04
Current: 13.79
7.5
18.04
PE(NRI) 13.79
HIFS's PE(NRI) is ranked lower than
59% of the 1664 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.35 vs. HIFS: 13.79 )
Ranked among companies with meaningful PE(NRI) only.
HIFS' s PE(NRI) Range Over the Past 10 Years
Min: 7.49  Med: 11.60 Max: 18
Current: 13.79
7.49
18
P/B 1.91
HIFS's P/B is ranked lower than
89% of the 2196 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.00 vs. HIFS: 1.91 )
Ranked among companies with meaningful P/B only.
HIFS' s P/B Range Over the Past 10 Years
Min: 0.82  Med: 1.46 Max: 2.13
Current: 1.91
0.82
2.13
P/S 5.01
HIFS's P/S is ranked lower than
86% of the 2510 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.58 vs. HIFS: 5.01 )
Ranked among companies with meaningful P/S only.
HIFS' s P/S Range Over the Past 10 Years
Min: 2.23  Med: 3.48 Max: 5.59
Current: 5.01
2.23
5.59
PFCF 13.74
HIFS's PFCF is ranked lower than
73% of the 1337 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.28 vs. HIFS: 13.74 )
Ranked among companies with meaningful PFCF only.
HIFS' s PFCF Range Over the Past 10 Years
Min: 3.62  Med: 11.33 Max: 43.64
Current: 13.74
3.62
43.64
POCF 13.37
HIFS's POCF is ranked lower than
78% of the 1504 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.29 vs. HIFS: 13.37 )
Ranked among companies with meaningful POCF only.
HIFS' s POCF Range Over the Past 10 Years
Min: 3.38  Med: 10.34 Max: 23.49
Current: 13.37
3.38
23.49
EV-to-EBIT 12.20
HIFS's EV-to-EBIT is ranked higher than
51% of the 2085 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.39 vs. HIFS: 12.20 )
Ranked among companies with meaningful EV-to-EBIT only.
HIFS' s EV-to-EBIT Range Over the Past 10 Years
Min: 6.2  Med: 13.20 Max: 48
Current: 12.2
6.2
48
EV-to-EBITDA 11.91
HIFS's EV-to-EBITDA is ranked lower than
53% of the 2093 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.12 vs. HIFS: 11.91 )
Ranked among companies with meaningful EV-to-EBITDA only.
HIFS' s EV-to-EBITDA Range Over the Past 10 Years
Min: 6.2  Med: 12.80 Max: 48
Current: 11.91
6.2
48
PEG 0.82
HIFS's PEG is ranked higher than
56% of the 621 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.93 vs. HIFS: 0.82 )
Ranked among companies with meaningful PEG only.
HIFS' s PEG Range Over the Past 10 Years
Min: 0.26  Med: 0.58 Max: 22.22
Current: 0.82
0.26
22.22
Shiller P/E 21.81
HIFS's Shiller P/E is ranked lower than
75% of the 678 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.43 vs. HIFS: 21.81 )
Ranked among companies with meaningful Shiller P/E only.
HIFS' s Shiller P/E Range Over the Past 10 Years
Min: 8.51  Med: 15.17 Max: 24.35
Current: 21.81
8.51
24.35

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.97
HIFS's Dividend Yield is ranked lower than
90% of the 2412 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.03 vs. HIFS: 0.97 )
Ranked among companies with meaningful Dividend Yield only.
HIFS' s Dividend Yield Range Over the Past 10 Years
Min: 0.5  Med: 1.77 Max: 3.49
Current: 0.97
0.5
3.49
Dividend Payout 0.16
HIFS's Dividend Payout is ranked higher than
84% of the 1441 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.34 vs. HIFS: 0.16 )
Ranked among companies with meaningful Dividend Payout only.
HIFS' s Dividend Payout Range Over the Past 10 Years
Min: 0.06  Med: 0.18 Max: 0.78
Current: 0.16
0.06
0.78
Dividend Growth (3y) 11.40
HIFS's Dividend Growth (3y) is ranked higher than
67% of the 730 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.00 vs. HIFS: 11.40 )
Ranked among companies with meaningful Dividend Growth (3y) only.
HIFS' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: 0.00 Max: 21.3
Current: 11.4
0
21.3
Forward Dividend Yield 1.00
HIFS's Forward Dividend Yield is ranked lower than
92% of the 2191 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.26 vs. HIFS: 1.00 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 1.22
HIFS's Yield on cost (5-Year) is ranked lower than
85% of the 2446 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.42 vs. HIFS: 1.22 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
HIFS' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.63  Med: 2.23 Max: 4.39
Current: 1.22
0.63
4.39
3-Year Average Share Buyback Ratio -0.10
HIFS's 3-Year Average Share Buyback Ratio is ranked higher than
74% of the 1061 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.70 vs. HIFS: -0.10 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
HIFS' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -1.4  Med: -0.25 Max: 0
Current: -0.1
-1.4
0

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.91
HIFS's Price/Tangible Book is ranked lower than
84% of the 2185 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.09 vs. HIFS: 1.91 )
Ranked among companies with meaningful Price/Tangible Book only.
HIFS' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.89  Med: 1.45 Max: 2.2
Current: 1.91
0.89
2.2
Price/Projected FCF 0.75
HIFS's Price/Projected FCF is ranked lower than
62% of the 1351 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.64 vs. HIFS: 0.75 )
Ranked among companies with meaningful Price/Projected FCF only.
HIFS' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.5  Med: 0.97 Max: 2.02
Current: 0.75
0.5
2.02
Price/DCF (Earnings Based) 0.68
HIFS's Price/DCF (Earnings Based) is ranked lower than
52% of the 129 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. HIFS: 0.68 )
Ranked among companies with meaningful Price/DCF (Earnings Based) only.
N/A
Price/Median PS Value 1.44
HIFS's Price/Median PS Value is ranked lower than
90% of the 2093 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.95 vs. HIFS: 1.44 )
Ranked among companies with meaningful Price/Median PS Value only.
HIFS' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.59  Med: 1.06 Max: 2.24
Current: 1.44
0.59
2.24
Price/Peter Lynch Fair Value 0.96
HIFS's Price/Peter Lynch Fair Value is ranked lower than
59% of the 628 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.81 vs. HIFS: 0.96 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
HIFS' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.34  Med: 0.59 Max: 2.43
Current: 0.96
0.34
2.43
Price/Graham Number 1.08
HIFS's Price/Graham Number is ranked lower than
73% of the 2050 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.98 vs. HIFS: 1.08 )
Ranked among companies with meaningful Price/Graham Number only.
HIFS' s Price/Graham Number Range Over the Past 10 Years
Min: 0.52  Med: 0.85 Max: 1.34
Current: 1.08
0.52
1.34
Earnings Yield (Greenblatt) (%) 8.20
HIFS's Earnings Yield (Greenblatt) (%) is ranked higher than
57% of the 1519 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.20 vs. HIFS: 8.20 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
HIFS' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 2.1  Med: 7.60 Max: 16.2
Current: 8.2
2.1
16.2
Forward Rate of Return (Yacktman) (%) 20.41
HIFS's Forward Rate of Return (Yacktman) (%) is ranked higher than
61% of the 869 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.65 vs. HIFS: 20.41 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
HIFS' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -6.5  Med: 15.70 Max: 39.2
Current: 20.41
-6.5
39.2

More Statistics

Revenue(Mil) $51
EPS $ 8.70
Beta0.67
Short Percentage of Float1.74%
52-Week Range $86.21 - 135.03
Shares Outstanding(Mil)2.13

Analyst Estimate

Dec15
Revenue(Mil)
EPS($) 7.48
EPS without NRI($) 7.48

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:OCN, HOME, NYCB, PBCT, HCBK » details
Hingham Institution for Savings was originally chartered in 1834. It is a Massachusetts-chartered savings bank. The Company provides a variety of financial services to individuals and small businesses through its ten offices in Boston and southeastern Massachusetts. The Company is in the business of attracting deposits from the general public through its banking offices & investing those deposits in residential & commercial mortgage loans & also in construction, consumer & commercial loans. Its primary deposit products are savings, checking, and term certificate accounts, commercial loans and online banking. It conducts business in the South Shore are, adding branches in Hull, South Hingham, Cohasset, North Scituate, and South Weymouth, and recently, a drive-up teller and ATM service in Hingham Square. The Company faces competition for its products and services from other thrift institutions, mutual funds, credit unions and commercial banks.
» More Articles for HIFS

Headlines

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More From Other Websites
1.19.16: 17% Increase in Annual Operating Earnings Jan 25 2016
Hingham Institution for Savings Earnings Analysis: Q4, 2015 By the Numbers Jan 21 2016
Hingham Savings posts 4Q profit Jan 19 2016
Hingham Savings posts 4Q profit Jan 19 2016
Hingham Savings Announces 17% Increase in Annual Operating Earnings Jan 19 2016
11.25.15: Hingham Declares Regular and Special Dividend Dec 09 2015
[$$] Small Bank Stocks Shine Nov 28 2015
Hingham Declares Regular and Special Dividend Nov 25 2015
Hingham Institution for Savings Earnings Q3, 2015 Nov 04 2015
10.14.15: 9% Growth in Quarterly Earnings Oct 15 2015
Hingham Savings posts 3Q profit Oct 14 2015
Hingham Savings posts 3Q profit Oct 14 2015
ETF’s with exposure to Hingham Institution for Savings : October 5, 2015 Oct 05 2015
Hingham Institution for Savings breached its 50 day moving average in a Bearish Manner : October 5,... Oct 05 2015
9.24.15: 7% Increase in Dividend Announced Sep 24 2015
Hingham Institution for Savings Earnings Q2, 2015 Sep 14 2015
7.16.15: 22% Growth In Quarterly Earnings Jul 16 2015
Hingham Savings posts 2Q profit Jul 16 2015
Hingham Savings posts 2Q profit Jul 16 2015
6.24.15: Dividend Announced Jun 25 2015

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