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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 0.68
HIFS's Cash-to-Debt is ranked lower than
70% of the 1592 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.23 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: 0.36 Max: No Debt
Current: 0.68
Equity-to-Asset 0.08
HIFS's Equity-to-Asset is ranked lower than
71% of the 1591 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 2.97
HIFS's Interest Coverage is ranked higher than
66% of the 1515 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.69 vs. HIFS: 2.97 )
Ranked among companies with meaningful Interest Coverage only.
HIFS' s Interest Coverage Range Over the Past 10 Years
Min: 0.26  Med: 1.83 Max: 3.36
Current: 2.97
0.26
3.36
Beneish M-Score: -2.40
WACC vs ROIC
4.14%
8.10%
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 : 7/10

vs
industry
vs
history
Operating Margin % 66.15
HIFS's Operating Margin % is ranked higher than
95% of the 1606 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 31.37 vs. HIFS: 66.15 )
Ranked among companies with meaningful Operating Margin % only.
HIFS' s Operating Margin % Range Over the Past 10 Years
Min: 38.49  Med: 55.05 Max: 66.15
Current: 66.15
38.49
66.15
Net Margin % 38.96
HIFS's Net Margin % is ranked higher than
84% of the 1605 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.70 vs. HIFS: 38.96 )
Ranked among companies with meaningful Net Margin % only.
HIFS' s Net Margin % Range Over the Past 10 Years
Min: 25.32  Med: 32.6 Max: 41.14
Current: 38.96
25.32
41.14
ROE % 15.72
HIFS's ROE % is ranked higher than
83% of the 1603 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.58 vs. HIFS: 15.72 )
Ranked among companies with meaningful ROE % only.
HIFS' s ROE % Range Over the Past 10 Years
Min: 8.42  Med: 14.87 Max: 19.81
Current: 15.72
8.42
19.81
ROA % 1.23
HIFS's ROA % is ranked higher than
71% of the 1612 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.90 vs. HIFS: 1.23 )
Ranked among companies with meaningful ROA % only.
HIFS' s ROA % Range Over the Past 10 Years
Min: 0.63  Med: 1.09 Max: 1.53
Current: 1.23
0.63
1.53
3-Year Revenue Growth Rate 13.70
HIFS's 3-Year Revenue Growth Rate is ranked higher than
82% of the 1354 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 4.20 vs. HIFS: 13.70 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
HIFS' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -1.8  Med: 11 Max: 23.3
Current: 13.7
-1.8
23.3
3-Year EBITDA Growth Rate 19.90
HIFS's 3-Year EBITDA Growth Rate is ranked higher than
80% of the 1256 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.40 vs. HIFS: 19.90 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
HIFS' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -12.5  Med: 15 Max: 136.2
Current: 19.9
-12.5
136.2
3-Year EPS without NRI Growth Rate 20.10
HIFS's 3-Year EPS without NRI Growth Rate is ranked higher than
78% of the 1226 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.40 vs. HIFS: 20.10 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
HIFS' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -8.5  Med: 15.55 Max: 118.3
Current: 20.1
-8.5
118.3
GuruFocus has detected 1 Warning Sign 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 30-Y Financials

Financials (Next Earnings Date: 2017-07-13 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

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
Q1 2017

HIFS Guru Trades in Q1 2017

Jim Simons 13,800 sh (+24.32%)
» 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:CSBK, NAS:UCFC, NAS:EBTC, NAS:BKMU, NAS:BSF, NAS:TBNK, OTCPK:NASB, NAS:HBCP, NAS:SMBC, NAS:FDEF, NAS:GCBC, NAS:WSBF, NAS:FNWB, NAS:SIFI, NAS:ESSA, NAS:TSBK, NAS:PBIP, NAS:OFED, NAS:ICBK, NAS:PROV » details
Headquarter Location:USA
Hingham Institution for Savings provides financial services to individuals and small businesses through its eleven offices in Boston and southeastern Massachusetts.

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

vs
industry
vs
history
PE Ratio 16.40
HIFS's PE Ratio is ranked lower than
58% of the 1510 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.59 vs. HIFS: 16.40 )
Ranked among companies with meaningful PE Ratio only.
HIFS' s PE Ratio Range Over the Past 10 Years
Min: 7.5  Med: 10.75 Max: 18.13
Current: 16.4
7.5
18.13
PE Ratio without NRI 16.40
HIFS's PE Ratio without NRI is ranked lower than
57% of the 1477 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.63 vs. HIFS: 16.40 )
Ranked among companies with meaningful PE Ratio without NRI only.
HIFS' s PE Ratio without NRI Range Over the Past 10 Years
Min: 7.5  Med: 10.75 Max: 18.13
Current: 16.4
7.5
18.13
Price-to-Owner-Earnings 16.97
HIFS's Price-to-Owner-Earnings is ranked lower than
61% of the 882 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.21 vs. HIFS: 16.97 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
HIFS' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 3.71  Med: 12.8 Max: 18.88
Current: 16.97
3.71
18.88
PB Ratio 2.37
HIFS's PB Ratio is ranked lower than
90% of the 1611 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.20 vs. HIFS: 2.37 )
Ranked among companies with meaningful PB Ratio only.
HIFS' s PB Ratio Range Over the Past 10 Years
Min: 0.82  Med: 1.46 Max: 2.61
Current: 2.37
0.82
2.61
PS Ratio 6.39
HIFS's PS Ratio is ranked lower than
86% of the 1586 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.40 vs. HIFS: 6.39 )
Ranked among companies with meaningful PS Ratio only.
HIFS' s PS Ratio Range Over the Past 10 Years
Min: 2.03  Med: 3.47 Max: 7.07
Current: 6.39
2.03
7.07
Price-to-Free-Cash-Flow 15.32
HIFS's Price-to-Free-Cash-Flow is ranked lower than
62% of the 870 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.33 vs. HIFS: 15.32 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
HIFS' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 3.62  Med: 12.29 Max: 23.55
Current: 15.32
3.62
23.55
Price-to-Operating-Cash-Flow 15.25
HIFS's Price-to-Operating-Cash-Flow is ranked lower than
71% of the 940 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.82 vs. HIFS: 15.25 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
HIFS' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 3.38  Med: 10.55 Max: 23.55
Current: 15.25
3.38
23.55
EV-to-EBIT 13.41
HIFS's EV-to-EBIT is ranked lower than
52% of the 1668 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.52 vs. HIFS: 13.41 )
Ranked among companies with meaningful EV-to-EBIT only.
HIFS' s EV-to-EBIT Range Over the Past 10 Years
Min: 6.2  Med: 12.85 Max: 48
Current: 13.41
6.2
48
EV-to-EBITDA 13.22
HIFS's EV-to-EBITDA is ranked lower than
56% of the 1685 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.29 vs. HIFS: 13.22 )
Ranked among companies with meaningful EV-to-EBITDA only.
HIFS' s EV-to-EBITDA Range Over the Past 10 Years
Min: 6.2  Med: 12.5 Max: 48
Current: 13.22
6.2
48
PEG Ratio 1.11
HIFS's PEG Ratio is ranked higher than
59% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.43 vs. HIFS: 1.11 )
Ranked among companies with meaningful PEG Ratio only.
HIFS' s PEG Ratio Range Over the Past 10 Years
Min: 0.27  Med: 0.62 Max: 149.83
Current: 1.11
0.27
149.83
Shiller PE Ratio 27.09
HIFS's Shiller PE Ratio is ranked lower than
69% of the 479 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 20.93 vs. HIFS: 27.09 )
Ranked among companies with meaningful Shiller PE Ratio only.
HIFS' s Shiller PE Ratio Range Over the Past 10 Years
Min: 8.45  Med: 15.25 Max: 29.95
Current: 27.09
8.45
29.95

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 0.70
HIFS's Dividend Yield % is ranked lower than
94% of the 2319 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.69 vs. HIFS: 0.70 )
Ranked among companies with meaningful Dividend Yield % only.
HIFS' s Dividend Yield % Range Over the Past 10 Years
Min: 0.63  Med: 1.76 Max: 3.72
Current: 0.7
0.63
3.72
Dividend Payout Ratio 0.11
HIFS's Dividend Payout Ratio is ranked higher than
93% of the 1315 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.33 vs. HIFS: 0.11 )
Ranked among companies with meaningful Dividend Payout Ratio only.
HIFS' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.11  Med: 0.17 Max: 0.38
Current: 0.11
0.11
0.38
3-Year Dividend Growth Rate 5.70
HIFS's 3-Year Dividend Growth Rate is ranked lower than
55% of the 768 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.20 vs. HIFS: 5.70 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
HIFS' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: 6.9 Max: 53.6
Current: 5.7
0
53.6
Forward Dividend Yield % 0.74
HIFS's Forward Dividend Yield % is ranked lower than
95% of the 2248 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.73 vs. HIFS: 0.74 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 0.90
HIFS's 5-Year Yield-on-Cost % is ranked lower than
92% of the 2649 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.31 vs. HIFS: 0.90 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
HIFS' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.81  Med: 2.26 Max: 4.77
Current: 0.9
0.81
4.77

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 2.36
HIFS's Price-to-Tangible-Book is ranked lower than
86% of the 1576 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.27 vs. HIFS: 2.36 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
HIFS' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.83  Med: 1.4 Max: 2.6
Current: 2.36
0.83
2.6
Price-to-Intrinsic-Value-Projected-FCF 1.05
HIFS's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
73% of the 869 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.78 vs. HIFS: 1.05 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
HIFS' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.63  Med: 0.82 Max: 1.47
Current: 1.05
0.63
1.47
Price-to-Intrinsic-Value-DCF (Earnings Based) 0.63
HIFS's Price-to-Intrinsic-Value-DCF (Earnings Based) is ranked higher than
67% of the 139 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.85 vs. HIFS: 0.63 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-DCF (Earnings Based) only.
N/A
Price-to-Median-PS-Value 1.84
HIFS's Price-to-Median-PS-Value is ranked lower than
89% of the 1462 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.14 vs. HIFS: 1.84 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
HIFS' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.62  Med: 1.02 Max: 2.03
Current: 1.84
0.62
2.03
Price-to-Peter-Lynch-Fair-Value 1.16
HIFS's Price-to-Peter-Lynch-Fair-Value is ranked higher than
51% of the 426 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.17 vs. HIFS: 1.16 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
HIFS' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.34  Med: 0.59 Max: 2.43
Current: 1.16
0.34
2.43
Price-to-Graham-Number 1.31
HIFS's Price-to-Graham-Number is ranked lower than
74% of the 1364 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.96 vs. HIFS: 1.31 )
Ranked among companies with meaningful Price-to-Graham-Number only.
HIFS' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.43  Med: 0.82 Max: 1.45
Current: 1.31
0.43
1.45
Earnings Yield (Greenblatt) % 7.45
HIFS's Earnings Yield (Greenblatt) % is ranked higher than
60% of the 2207 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.95 vs. HIFS: 7.45 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
HIFS' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 2.1  Med: 7.8 Max: 16.2
Current: 7.45
2.1
16.2
Forward Rate of Return (Yacktman) % 18.82
HIFS's Forward Rate of Return (Yacktman) % is ranked higher than
68% of the 890 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.45 vs. HIFS: 18.82 )
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: -5.2  Med: 19.4 Max: 37.8
Current: 18.82
-5.2
37.8

More Statistics

Revenue (TTM) (Mil) $60.12
EPS (TTM) $ 10.89
Beta0.78
Short Percentage of Float0.00%
52-Week Range $120.25 - 203.01
Shares Outstanding (Mil)2.13
» More Articles for HIFS

Headlines

Articles On GuruFocus.com
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Five Dividend Geese Laying Golden Eggs for Investors Jul 02 2012 
Should You Replace Appreciated Investments with Higher Yielding Stocks? May 16 2012 
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Eight Golden Geese Laying Golden Eggs for Shareholders Jun 27 2011 
10 Stocks Using Real Cash to Pay Higher Dividends Jun 27 2011 
Dividend Roundup: MDT, EDR, AI, HIFS, PFE, BMY Jun 23 2011 
Hingham Institution for Savings (HIFS) Dividend Stock Analysis Apr 09 2010 
Guru Stocks Raising Dividends: Realty Income Corp., WilliamsSonoma Inc., ConocoPhillips, Raytheon Co Apr 04 2010 
8 Dividend Stocks Avoiding the Cash Trap: Village Super Market, Williams-Sonoma, Raven, ConocoPhilli Mar 28 2010 

More From Other Websites
Hingham Institution for Savings – Value Analysis (NASDAQ:HIFS) : May 19, 2017 May 19 2017
Hingham Institution for Savings breached its 50 day moving average in a Bearish Manner : HIFS-US :... May 18 2017
Hingham Institution for Savings breached its 50 day moving average in a Bullish Manner : HIFS-US :... May 08 2017
Hingham Institution for Savings : HIFS-US: Dividend Analysis : April 10th, 2017 (record date) : By... Apr 14 2017
Hingham Savings posts 1Q profit Apr 12 2017
Hingham Savings Announces 14% Increase in Diluted Earnings Per Share and 14.77% Return on Equity Apr 12 2017
ETFs with exposure to Hingham Institution for Savings : April 7, 2017 Apr 07 2017
Hingham Institution for Savings :HIFS-US: Earnings Analysis: Q4, 2016 By the Numbers : April 3, 2017 Apr 03 2017
Bank Stock Hingham Earns IBD Stock Rating Upgrade Mar 30 2017
Hingham Declares Regular Dividend of $0.32 per Share Mar 29 2017
Hingham Institution for Savings : HIFS-US: Dividend Analysis : January 06th, 2017 (record date) : By... Mar 01 2017
Hingham Institution for Savings breached its 50 day moving average in a Bullish Manner : HIFS-US :... Feb 14 2017
ETFs with exposure to Hingham Institution for Savings : December 14, 2016 Dec 14 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
Hingham Institution for Savings : HIFS-US: Dividend Analysis : October 10th, 2016 (record date) : By... Oct 06 2016
Hingham Institution for Savings :HIFS-US: Earnings Analysis: Q2, 2016 By the Numbers : July 21, 2016 Jul 21 2016

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