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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 : 6/10

vs
industry
vs
history
Cash to Debt 0.67
HIFS's Cash to Debt is ranked lower than
67% of the 1184 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.02 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
71% of the 1667 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
67% of the 1535 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.66 vs. HIFS: 3.01 )
Ranked among companies with meaningful Interest Coverage only.
HIFS' s Interest Coverage Range Over the Past 10 Years
Min: 0.34  Med: 0.97 Max: 3.36
Current: 3.01
0.34
3.36
F-Score: 3
M-Score: -2.46
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 (%) 61.52
HIFS's Operating margin (%) is ranked higher than
93% of the 1685 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.85 vs. HIFS: 61.52 )
Ranked among companies with meaningful Operating margin (%) only.
HIFS' s Operating margin (%) Range Over the Past 10 Years
Min: 40.79  Med: 52.70 Max: 61.66
Current: 61.52
40.79
61.66
Net-margin (%) 36.32
HIFS's Net-margin (%) is ranked higher than
81% of the 1685 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.32 vs. HIFS: 36.32 )
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: 36.32
25.32
41.09
ROE (%) 14.79
HIFS's ROE (%) is ranked higher than
82% of the 1680 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.23 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
70% of the 1690 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.87 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
83% of the 1390 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.60 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: 11.70 Max: 23.3
Current: 12.9
-1.8
23.3
EBITDA Growth (3Y)(%) 17.70
HIFS's EBITDA Growth (3Y)(%) is ranked higher than
77% of the 1280 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.60 vs. HIFS: 17.70 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
HIFS' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -10.7  Med: 14.30 Max: 24.5
Current: 17.7
-10.7
24.5
EPS Growth (3Y)(%) 22.50
HIFS's EPS Growth (3Y)(%) is ranked higher than
80% of the 1261 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.40 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: -8.5  Med: 15.70 Max: 31.4
Current: 22.5
-8.5
31.4
» 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

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
Q4 2015

HIFS Guru Trades in Q4 2015

Jim Simons 8,000 sh (+2.56%)
» More
Q1 2016

HIFS Guru Trades in Q1 2016

Jim Simons 8,400 sh (+5.00%)
» 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
Compare:NAS:EBTC, NAS:TBNK, NAS:UCFC, NAS:FXCB, NAS:BFIN, OTCPK:NASB, OTCPK:BFCFB, NAS:HBCP, NAS:PULB, NAS:BKMU, NAS:SMBC, NAS:FDEF, NAS:CSBK, NAS:BSF, NAS:FNWB, NAS:SIFI, NAS:LSBG, NAS:ESSA, NAS:PROV, NAS:ONFC » 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 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.

Ratios

vs
industry
vs
history
P/E(ttm) 14.02
HIFS's P/E(ttm) is ranked lower than
58% of the 1547 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.50 vs. HIFS: 14.02 )
Ranked among companies with meaningful P/E(ttm) only.
HIFS' s P/E(ttm) Range Over the Past 10 Years
Min: 7.5  Med: 10.70 Max: 18.04
Current: 14.02
7.5
18.04
PE(NRI) 14.02
HIFS's PE(NRI) is ranked lower than
58% of the 1546 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.50 vs. HIFS: 14.02 )
Ranked among companies with meaningful PE(NRI) only.
HIFS' s PE(NRI) Range Over the Past 10 Years
Min: 7.49  Med: 10.69 Max: 18
Current: 14.02
7.49
18
Price/Owner Earnings (ttm) 16.37
HIFS's Price/Owner Earnings (ttm) is ranked lower than
70% of the 865 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.14 vs. HIFS: 16.37 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
HIFS' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 3.71  Med: 12.86 Max: 18.88
Current: 16.37
3.71
18.88
P/B 1.94
HIFS's P/B is ranked lower than
88% of the 1654 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.02 vs. HIFS: 1.94 )
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: 2.15
Current: 1.94
0.82
2.15
P/S 5.09
HIFS's P/S is ranked lower than
83% of the 1638 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.85 vs. HIFS: 5.09 )
Ranked among companies with meaningful P/S only.
HIFS' s P/S Range Over the Past 10 Years
Min: 2.03  Med: 3.46 Max: 5.63
Current: 5.09
2.03
5.63
PFCF 13.96
HIFS's PFCF is ranked lower than
69% of the 863 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.09 vs. HIFS: 13.96 )
Ranked among companies with meaningful PFCF only.
HIFS' s PFCF Range Over the Past 10 Years
Min: 3.62  Med: 13.13 Max: 69.49
Current: 13.96
3.62
69.49
POCF 13.59
HIFS's POCF is ranked lower than
75% of the 968 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.74 vs. HIFS: 13.59 )
Ranked among companies with meaningful POCF only.
HIFS' s POCF Range Over the Past 10 Years
Min: 3.38  Med: 11.69 Max: 23.53
Current: 13.59
3.38
23.53
EV-to-EBIT 12.12
HIFS's EV-to-EBIT is ranked higher than
54% of the 1495 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.99 vs. HIFS: 12.12 )
Ranked among companies with meaningful EV-to-EBIT only.
HIFS' s EV-to-EBIT Range Over the Past 10 Years
Min: 5.3  Med: 12.90 Max: 48
Current: 12.12
5.3
48
EV-to-EBITDA 11.83
HIFS's EV-to-EBITDA is ranked higher than
50% of the 1494 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.84 vs. HIFS: 11.83 )
Ranked among companies with meaningful EV-to-EBITDA only.
HIFS' s EV-to-EBITDA Range Over the Past 10 Years
Min: 5.3  Med: 12.60 Max: 48
Current: 11.83
5.3
48
PEG 0.89
HIFS's PEG is ranked higher than
58% of the 751 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.06 vs. HIFS: 0.89 )
Ranked among companies with meaningful PEG only.
HIFS' s PEG Range Over the Past 10 Years
Min: 0.27  Med: 0.62 Max: 129.71
Current: 0.89
0.27
129.71
Shiller P/E 22.39
HIFS's Shiller P/E is ranked lower than
70% of the 504 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 16.55 vs. HIFS: 22.39 )
Ranked among companies with meaningful Shiller P/E only.
HIFS' s Shiller P/E Range Over the Past 10 Years
Min: 8.48  Med: 15.30 Max: 24.78
Current: 22.39
8.48
24.78

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.97
HIFS's Dividend Yield is ranked lower than
90% of the 2261 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: 1.75 Max: 3.72
Current: 0.97
0.5
3.72
Dividend Payout 0.16
HIFS's Dividend Payout is ranked higher than
84% of the 1286 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
58% of the 755 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.40 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 0.98
HIFS's Forward Dividend Yield is ranked lower than
92% of the 2124 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.29 vs. HIFS: 0.98 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 1.21
HIFS's Yield on cost (5-Year) is ranked lower than
87% of the 2499 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.61 vs. HIFS: 1.21 )
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: 2.20 Max: 4.68
Current: 1.21
0.63
4.68

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.94
HIFS's Price/Tangible Book is ranked lower than
84% of the 1647 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.08 vs. HIFS: 1.94 )
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: 1.94
0.89
2.2
Price/Projected FCF 0.84
HIFS's Price/Projected FCF is ranked lower than
72% of the 897 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.64 vs. HIFS: 0.84 )
Ranked among companies with meaningful Price/Projected FCF only.
HIFS' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.5  Med: 1.02 Max: 4.84
Current: 0.84
0.5
4.84
Price/DCF (Earnings Based) 0.69
HIFS's Price/DCF (Earnings Based) is ranked higher than
57% of the 105 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.74 vs. HIFS: 0.69 )
Ranked among companies with meaningful Price/DCF (Earnings Based) only.
N/A
Price/Median PS Value 1.47
HIFS's Price/Median PS Value is ranked lower than
89% of the 1572 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.99 vs. HIFS: 1.47 )
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: 1.05 Max: 2.18
Current: 1.47
0.59
2.18
Price/Peter Lynch Fair Value 0.99
HIFS's Price/Peter Lynch Fair Value is ranked lower than
57% of the 423 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.88 vs. HIFS: 0.99 )
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: 0.61 Max: 2.43
Current: 0.99
0.34
2.43
Price/Graham Number 1.10
HIFS's Price/Graham Number is ranked lower than
76% of the 1440 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.81 vs. HIFS: 1.10 )
Ranked among companies with meaningful Price/Graham Number only.
HIFS' s Price/Graham Number Range Over the Past 10 Years
Min: 0.52  Med: 0.84 Max: 1.34
Current: 1.1
0.52
1.34
Earnings Yield (Greenblatt) (%) 8.30
HIFS's Earnings Yield (Greenblatt) (%) is ranked higher than
59% of the 1646 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.10 vs. HIFS: 8.30 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
HIFS' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 2.1  Med: 7.80 Max: 18.9
Current: 8.3
2.1
18.9
Forward Rate of Return (Yacktman) (%) 19.09
HIFS's Forward Rate of Return (Yacktman) (%) is ranked higher than
64% of the 874 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.27 vs. HIFS: 19.09 )
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: -8.1  Med: 18.80 Max: 37.8
Current: 19.09
-8.1
37.8

More Statistics

Revenue (TTM) (Mil) $51.34
EPS (TTM) $ 8.70
Beta0.69
Short Percentage of Float1.91%
52-Week Range $101.63 - 137.45
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
» More Articles for HIFS

Headlines

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More From Other Websites
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
Hingham Declares Regular Dividend Jun 23 2016
5.10.16: HIFS Ranked #1 Thrift in the East, #2 in Country for 3rd Consecutive Year May 10 2016
Hingham Institution for Savings :HIFS-US: Earnings Analysis: Q1, 2016 By the Numbers Apr 21 2016
4.12.16: 18% Increase in Earnings per Share, 15% Return on Equity Apr 12 2016
Hingham Savings posts 1Q profit Apr 12 2016
Hingham Savings posts 1Q profit Apr 12 2016
Hingham Savings Announces 18% Increase in Earnings per Share, 15% Return on Equity Apr 12 2016
3.31.16: Hingham Declares Regular Dividend Mar 31 2016
Hingham Declares Regular Dividend Mar 31 2016
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
11.25.15: Hingham Declares Regular and Special Dividend Dec 09 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

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