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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

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industry
vs
history
Cash to Debt 0.68
HIFS's Cash to Debt is ranked lower than
99.99% of the 1610 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.14 vs. HIFS: 0.68 )
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: 0.68
Equity to Asset 0.08
HIFS's Equity to Asset is ranked lower than
99.99% of the 1614 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 2.94
HIFS's Interest Coverage is ranked lower than
99.99% of the 1610 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.66 vs. HIFS: 2.94 )
Ranked among companies with meaningful Interest Coverage only.
HIFS' s Interest Coverage Range Over the Past 10 Years
Min: 0.26  Med: 1.37 Max: 3.36
Current: 2.94
0.26
3.36
F-Score: 5
M-Score: -2.42
WACC vs ROIC
5.27%
8.06%
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 : 2/10

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industry
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history
Operating margin (%) 65.31
HIFS's Operating margin (%) is ranked lower than
99.99% of the 1627 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 31.10 vs. HIFS: 65.31 )
Ranked among companies with meaningful Operating margin (%) only.
HIFS' s Operating margin (%) Range Over the Past 10 Years
Min: 38.49  Med: 52.7 Max: 65.31
Current: 65.31
38.49
65.31
Net-margin (%) 38.52
HIFS's Net-margin (%) is ranked lower than
99.99% of the 1625 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.46 vs. HIFS: 38.52 )
Ranked among companies with meaningful Net-margin (%) only.
HIFS' s Net-margin (%) Range Over the Past 10 Years
Min: 25.32  Med: 31.4 Max: 41.14
Current: 38.52
25.32
41.14
ROE (%) 15.58
HIFS's ROE (%) is ranked lower than
99.99% of the 1623 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.50 vs. HIFS: 15.58 )
Ranked among companies with meaningful ROE (%) only.
HIFS' s ROE (%) Range Over the Past 10 Years
Min: 8.42  Med: 14.23 Max: 19.81
Current: 15.58
8.42
19.81
ROA (%) 1.22
HIFS's ROA (%) is ranked lower than
99.99% of the 1632 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.90 vs. HIFS: 1.22 )
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: 1.22
0.63
1.53
Revenue Growth (3Y)(%) 9.60
HIFS's Revenue Growth (3Y)(%) is ranked lower than
99.99% of the 1366 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 4.20 vs. HIFS: 9.60 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
HIFS' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -1.8  Med: 11.6 Max: 23.3
Current: 9.6
-1.8
23.3
EBITDA Growth (3Y)(%) 13.10
HIFS's EBITDA Growth (3Y)(%) is ranked lower than
99.99% of the 1264 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.20 vs. HIFS: 13.10 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
HIFS' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -12.5  Med: 14.3 Max: 33.9
Current: 13.1
-12.5
33.9
EPS Growth (3Y)(%) 13.00
HIFS's EPS Growth (3Y)(%) is ranked lower than
99.99% of the 1244 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.50 vs. HIFS: 13.00 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
HIFS' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -8.5  Med: 15.7 Max: 31.4
Current: 13
-8.5
31.4
GuruFocus has detected 6 Warning Signs with Hingham Institution for Savings $HIFS.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» HIFS's 10-Y Financials

Financials


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

» Details

Guru Trades

Q1 2016

HIFS Guru Trades in Q1 2016

Jim Simons 8,400 sh (+5.00%)
» More
Q2 2016

HIFS Guru Trades in Q2 2016

Jim Simons 8,700 sh (+3.57%)
» More
Q3 2016

HIFS Guru Trades in Q3 2016

Jim Simons 8,900 sh (+2.30%)
» More
Q4 2016

HIFS Guru Trades in Q4 2016

Jim Simons 11,100 sh (+24.72%)
» 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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Business Description

Industry: Banks » Savings & Cooperative Banks    NAICS: 522120    SIC: 6022
Compare:NAS:UCFC, NAS:EBTC, NAS:CSBK, NAS:BSF, NAS:FDEF, NAS:BKMU, NAS:TBNK, OTCPK:NASB, NAS:BFIN, NAS:SMBC, NAS:HBCP, NAS:WSBF, NAS:GCBC, NAS:FNWB, NAS:ESSA, NAS:LSBG, NAS:ICBK, NAS:SIFI, NAS:HONE, NAS:RVSB » details
Hingham Institution for Savings is engaged in the business of attracting deposits from the general public through its banking offices & investing those deposits in residential & commercial mortgage loans, construction, consumer & commercial loans.

Hingham Institution for Savings was originally chartered in 1834. It is a Massachusetts-chartered savings bank. 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 deposit products are savings, checking, and term certificate accounts, and its primary lending products are residential and commercial mortgage loans secured by properties in Eastern Massachusetts. The Company faces competition for its products and services from other thrift institutions, mutual funds, credit unions and commercial banks.

Ratios

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history

Dividend & Buy Back

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Dividend Yield 0.66
HIFS's Dividend Yield is ranked lower than
94% of the 2302 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.67 vs. HIFS: 0.66 )
Ranked among companies with meaningful Dividend Yield only.
HIFS' s Dividend Yield Range Over the Past 10 Years
Min: 0  Med: 0 Max: 0.66
Current: 0.66
0
0.66
Dividend Payout 0.16
HIFS's Dividend Payout is ranked higher than
85% of the 1292 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.33 vs. HIFS: 0.16 )
Ranked among companies with meaningful Dividend Payout only.
HIFS' s Dividend Payout Range Over the Past 10 Years
Min: 0  Med: 0 Max: 0.16
Current: 0.16
0
0.16
Forward Dividend Yield 0.68
HIFS's Forward Dividend Yield is ranked lower than
95% of the 2243 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.84 vs. HIFS: 0.68 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 0.66
HIFS's Yield on cost (5-Year) is ranked lower than
95% of the 2646 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.34 vs. HIFS: 0.66 )
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  Med: 0 Max: 0.66
Current: 0.66
0
0.66

Valuation & Return

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industry
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history

More Statistics

Revenue (TTM) (Mil) $51.34
EPS (TTM) $ 8.70
Beta0.78
Short Percentage of Float0.59%
52-Week Range $116.03 - 203.01
Shares Outstanding (Mil)2.13

Analyst Estimate

Dec15
Revenue (Mil $)
EPS ($) 7.48
EPS w/o NRI ($) 7.48
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
Dividends Per Share ($)
» More Articles for HIFS

Headlines

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Hingham Institution for Savings (HIFS) Dividend Stock Analysis Apr 09 2010 
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More From Other Websites
Hingham Institution for Savings breached its 50 day moving average in a Bullish Manner : HIFS-US :... Feb 14 2017
Hingham Savings posts 4Q profit Jan 17 2017
Hingham Savings posts 4Q profit Jan 17 2017
Hingham Announces 21% Increase in Annual Earnings and 15.59% Return on Equity Jan 17 2017
ETFs with exposure to Hingham Institution for Savings : December 14, 2016 Dec 14 2016
Hingham Declares Regular and Special Dividend Nov 23 2016
ETF’s with exposure to Hingham Institution for Savings : October 31, 2016 Oct 31 2016
Hingham Institution for Savings :HIFS-US: Earnings Analysis: Q3, 2016 By the Numbers : October 26,... Oct 26 2016
9.16.16: Hingham Declares Regular Dividend Oct 13 2016
10.12.16: 22% Increase in Quarterly Earnings Per Share, 15.59% Return on Equity Oct 13 2016
Hingham Institution for Savings : HIFS-US: Dividend Analysis : October 10th, 2016 (record date) : By... Oct 06 2016
9.27.16: Hingham Savings Selected as a Top Performer by Sandler O'Neill Sep 27 2016
Hingham Institution for Savings :HIFS-US: Earnings Analysis: Q2, 2016 By the Numbers : July 21, 2016 Jul 21 2016
7.13.16: 24% Increase In Quarterly Earnings Per Share, 15.96% Return On Equity Jul 13 2016
Hingham Institution For Savings Q2 Earnings Rise 24% Jul 13 2016
Hingham Institution for Savings : HIFS-US: Dividend Analysis : July 11th, 2016 (record date) : By... Jul 12 2016
ETF’s with exposure to Hingham Institution for Savings : July 5, 2016 Jul 05 2016
6.22.16 Hingham Declares Regular Dividend Jun 24 2016
Hingham Institution for Savings :HIFS-US: Earnings Analysis: Q1, 2016 By the Numbers : June 24, 2016 Jun 24 2016
5.10.16: HIFS Ranked #1 Thrift in the East, #2 in Country for 3rd Consecutive Year May 10 2016

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