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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 0.43
HIFS's Cash to Debt is ranked higher than
65% of the 1587 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.37 vs. HIFS: 0.43 )
HIFS' s 10-Year Cash to Debt Range
Min: 0.03   Max: 0.52
Current: 0.43

0.03
0.52
Equity to Asset 0.08
HIFS's Equity to Asset is ranked higher than
61% of the 2016 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.09 vs. HIFS: 0.08 )
HIFS' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.1
Current: 0.08

0.07
0.1
Interest Coverage 2.05
HIFS's Interest Coverage is ranked higher than
75% of the 1874 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.39 vs. HIFS: 2.05 )
HIFS' s 10-Year Interest Coverage Range
Min: 0.26   Max: 2.05
Current: 2.05

0.26
2.05
F-Score: 4
Z-Score: 0.33
WACC vs ROIC
4.49%
17.48%
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 (%) 55.84
HIFS's Operating margin (%) is ranked higher than
96% of the 2048 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.19 vs. HIFS: 55.84 )
HIFS' s 10-Year Operating margin (%) Range
Min: 38.49   Max: 56.63
Current: 55.84

38.49
56.63
Net-margin (%) 33.03
HIFS's Net-margin (%) is ranked higher than
90% of the 2048 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.03 vs. HIFS: 33.03 )
HIFS' s 10-Year Net-margin (%) Range
Min: 25.32   Max: 35.21
Current: 33.03

25.32
35.21
ROE (%) 42.79
HIFS's ROE (%) is ranked higher than
99% of the 2051 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.74 vs. HIFS: 42.79 )
HIFS' s 10-Year ROE (%) Range
Min: 8.42   Max: 16.67
Current: 42.79

8.42
16.67
ROA (%) 3.29
HIFS's ROA (%) is ranked higher than
98% of the 2054 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.79 vs. HIFS: 3.29 )
HIFS' s 10-Year ROA (%) Range
Min: 0.63   Max: 1.47
Current: 3.29

0.63
1.47
ROC (Joel Greenblatt) (%) 473.38
HIFS's ROC (Joel Greenblatt) (%) is ranked higher than
96% of the 2016 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 80.18 vs. HIFS: 473.38 )
HIFS' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 7.51   Max: 254.5
Current: 473.38

7.51
254.5
Revenue Growth (3Y)(%) 10.60
HIFS's Revenue Growth (3Y)(%) is ranked higher than
92% of the 1755 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.70 vs. HIFS: 10.60 )
HIFS' s 10-Year Revenue Growth (3Y)(%) Range
Min: -1.8   Max: 23.3
Current: 10.6

-1.8
23.3
EBITDA Growth (3Y)(%) 18.60
HIFS's EBITDA Growth (3Y)(%) is ranked higher than
89% of the 1569 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.20 vs. HIFS: 18.60 )
HIFS' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -12.6   Max: 33.9
Current: 18.6

-12.6
33.9
EPS Growth (3Y)(%) 18.10
HIFS's EPS Growth (3Y)(%) is ranked higher than
86% of the 1604 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.90 vs. HIFS: 18.10 )
HIFS' s 10-Year EPS Growth (3Y)(%) Range
Min: -8.5   Max: 31.4
Current: 18.1

-8.5
31.4
» HIFS's 10-Y Financials

Financials


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

» Details

Insider Trades

Latest Guru Trades with HIFS

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Ratios

vs
industry
vs
history
P/E(ttm) 15.90
HIFS's P/E(ttm) is ranked higher than
77% of the 2686 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 18.10 vs. HIFS: 15.90 )
HIFS' s 10-Year P/E(ttm) Range
Min: 7.94   Max: 17.05
Current: 15.9

7.94
17.05
PE(NRI) 15.40
HIFS's PE(NRI) is ranked higher than
79% of the 2686 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 18.00 vs. HIFS: 15.40 )
HIFS' s 10-Year PE(NRI) Range
Min: 7.94   Max: 17.05
Current: 15.4

7.94
17.05
P/S 5.26
HIFS's P/S is ranked higher than
51% of the 2686 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.71 vs. HIFS: 5.26 )
HIFS' s 10-Year P/S Range
Min: 2.17   Max: 5.42
Current: 5.26

2.17
5.42
PFCF 22.30
HIFS's PFCF is ranked higher than
75% of the 2686 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. HIFS: 22.30 )
HIFS' s 10-Year PFCF Range
Min: 7.32   Max: 22.64
Current: 22.3

7.32
22.64
POCF 14.93
HIFS's POCF is ranked higher than
77% of the 2686 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 48.59 vs. HIFS: 14.93 )
HIFS' s 10-Year POCF Range
Min: 5.95   Max: 15.76
Current: 14.93

5.95
15.76
EV-to-EBIT 15.12
HIFS's EV-to-EBIT is ranked higher than
77% of the 2686 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 19.66 vs. HIFS: 15.12 )
HIFS' s 10-Year EV-to-EBIT Range
Min: 10.8   Max: 41
Current: 15.12

10.8
41
PEG 0.60
HIFS's PEG is ranked higher than
96% of the 2686 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. HIFS: 0.60 )
HIFS' s 10-Year PEG Range
Min: 0.28   Max: 2
Current: 0.6

0.28
2
Shiller P/E 22.40
HIFS's Shiller P/E is ranked higher than
81% of the 2686 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. HIFS: 22.40 )
HIFS' s 10-Year Shiller P/E Range
Min: 8.55   Max: 22.69
Current: 22.4

8.55
22.69
Days Sales Outstanding 24.61
HIFS's Days Sales Outstanding is ranked higher than
93% of the 2686 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. HIFS: 24.61 )
HIFS' s 10-Year Days Sales Outstanding Range
Min: 24.61   Max: 64.3
Current: 24.61

24.61
64.3

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.11
HIFS's Dividend Yield is ranked lower than
80% of the 1923 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.36 vs. HIFS: 1.11 )
HIFS' s 10-Year Dividend Yield Range
Min: 1.02   Max: 3.49
Current: 1.11

1.02
3.49
Dividend Payout 0.13
HIFS's Dividend Payout is ranked higher than
93% of the 2686 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.61 vs. HIFS: 0.13 )
HIFS' s 10-Year Dividend Payout Range
Min: 0.17   Max: 0.38
Current: 0.13

0.17
0.38
Dividend growth (3y) -1.30
HIFS's Dividend growth (3y) is ranked higher than
68% of the 1175 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.70 vs. HIFS: -1.30 )
HIFS' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 21.3
Current: -1.3

0
21.3
Yield on cost (5-Year) 1.41
HIFS's Yield on cost (5-Year) is ranked lower than
70% of the 1933 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.60 vs. HIFS: 1.41 )
HIFS' s 10-Year Yield on cost (5-Year) Range
Min: 1.31   Max: 4.48
Current: 1.41

1.31
4.48

Valuation & Return

vs
industry
vs
history
Price/DCF (Projected) 1.10
HIFS's Price/DCF (Projected) is ranked higher than
80% of the 2686 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. HIFS: 1.10 )
HIFS' s 10-Year Price/DCF (Projected) Range
Min: 0.5   Max: 0.88
Current: 1.1

0.5
0.88
Price/Median PS Value 1.50
HIFS's Price/Median PS Value is ranked higher than
67% of the 2686 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.30 vs. HIFS: 1.50 )
HIFS' s 10-Year Price/Median PS Value Range
Min: 0.61   Max: 1.37
Current: 1.5

0.61
1.37
Price/Peter Lynch Fair Value 0.70
HIFS's Price/Peter Lynch Fair Value is ranked higher than
95% of the 2686 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. HIFS: 0.70 )
HIFS' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.34   Max: 2.43
Current: 0.7

0.34
2.43
Price/Graham Number 1.30
HIFS's Price/Graham Number is ranked higher than
71% of the 2686 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.23 vs. HIFS: 1.30 )
HIFS' s 10-Year Price/Graham Number Range
Min: 0.58   Max: 1.23
Current: 1.3

0.58
1.23
Earnings Yield (Greenblatt) 6.40
HIFS's Earnings Yield (Greenblatt) is ranked higher than
72% of the 2041 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.50 vs. HIFS: 6.40 )
HIFS' s 10-Year Earnings Yield (Greenblatt) Range
Min: 2.4   Max: 9.3
Current: 6.4

2.4
9.3
Forward Rate of Return (Yacktman) 25.63
HIFS's Forward Rate of Return (Yacktman) is ranked higher than
82% of the 1318 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.65 vs. HIFS: 25.63 )
HIFS' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -3.8   Max: 37.6
Current: 25.63

-3.8
37.6

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:OCN, HOME, NYCB, PBCT, HCBK » details
Hingham Institution 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 primary deposit products are savings, checking, and term certificate accounts, commercial loans, online banking etc. It conducts business in the South Shore are, adding branches in Hull, South Hingham, Cohasset, North Scituate, and South Weymouth, and most recently, a drive-up teller and ATM service in Hingham Square.
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More From Other Websites
Hingham Savings Dividend Announced Mar 26 2015
1.16.15: Record Annual Earnings And 30% Increase In Quarterly Earnings Jan 16 2015
Hingham Savings Announces Record Annual Earnings and 30% Increase in Quarterly Earnings Jan 16 2015
11.26.14: Hingham Declares Regular and Special Dividend Nov 26 2014
10.15.14: 32% Growth in Quarterly Earnings Oct 16 2014
Hingham Institution for Savings: 4% Increase in Dividend Announced Sep 26 2014
Hingham Savings Reports 18% Growth in Quarterly Earnings Jul 17 2014
Hingham Institution for Savings: Dividend Announced Jun 25 2014
Hingham Savings Ranked #1 Thrift in the East, #2 in the Nation by SNL Financial May 06 2014
Small Is Beautiful: My Favorite Bank Stock Has A Strong Quarter Apr 15 2014
Hingham Institution for Savings: 13% Increase in Net Operating Earnings, Excluding $5.7 Million of... Apr 11 2014
Hingham Institution for Savings: Dividend Announced Mar 27 2014

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