Hingham Institution forvings (FRA:HS3) Cyclically Adjusted PS Ratio: 6.50 (As of Jul. 17, 2026) — 14% Below Median

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FRA:HS3 Hingham Institution for Savings FRA:HS3
57 GF Score
Price €234.00
GF Value €248.91
! 4 Warning Signs
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What is Hingham Institution forvings Cyclically Adjusted PS Ratio?

Hingham Institution forvings FRA:HS3 -0.85% 57 Cyclically Adjusted PS Ratio is 6.50 as of Jul. 17, 2026, which is 14% below its 10-year median of 7.54. GuruFocus rates FRA:HS3 with a GF Score™ of 57/100 and a GF Value™ of €248.91. The stock has 4 warning signs investors should review. Among 1,303 Banks companies, Hingham Institution forvings ranks worse than 90.87% on this metric.

As of today (2026-07-17), Hingham Institution forvings's current share price is €234.00. Hingham Institution forvings's Cyclically Adjusted Revenue per Share for the quarter that ended in Mar. 2026 was €35.98. Hingham Institution forvings's Cyclically Adjusted PS Ratio for today is 6.50.

The historical rank and industry rank for Hingham Institution forvings's Cyclically Adjusted PS Ratio or its related term are showing as below:

FRA:HS3' s Cyclically Adjusted PS Ratio Range Over the Past 10 Years
Min: 3.85   Med: 7.54   Max: 12.33
Current: 6.96

During the past years, Hingham Institution forvings's highest Cyclically Adjusted PS Ratio was 12.33. The lowest was 3.85. And the median was 7.54.

FRA:HS3's Cyclically Adjusted PS Ratio is ranked worse than
90.87% of 1303 companies
in the Banks industry
Industry Median: 3.37 vs FRA:HS3: 6.96

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted revenue per share of a company over the past 10 years.

Hingham Institution forvings's adjusted revenue per share data for the three months ended in Mar. 2026 was €4.900. Add all the adjusted revenue per share for the past 10 years together and divide 10 will get our Cyclically Adjusted Revenue per Share, which is €35.98 for the trailing ten years ended in Mar. 2026.

Shiller PE for Stocks: The True Measure of Stock Valuation


Hingham Institution forvings  (FRA:HS3) Cyclically Adjusted PS Ratio Explanation

Compared with the regular PS Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PS Ratio smoothed out the fluctuations of revenue during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted PS Ratio should give similar results to regular PS Ratio.


Hingham Institution forvings Cyclically Adjusted PS Ratio Related Terms


Hingham Institution forvings Cyclically Adjusted PS Ratio Historical Data

* Premium members only.

The historical data trend for Hingham Institution forvings's Cyclically Adjusted PS Ratio can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Hingham Institution forvings Cyclically Adjusted PS Ratio Chart

Hingham Institution forvings Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted PS Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 12.33 7.31 4.92 6.31 6.64

Hingham Institution forvings Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted PS Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 5.83 6.02 6.26 6.64 6.61

FRA:HS3 vs AROW, TCBX, PFIS: Cyclically Adjusted PS Ratio Comparison

For the Banks - Regional subindustry, Hingham Institution forvings's Cyclically Adjusted PS Ratio, along with its competitors' market caps and Cyclically Adjusted PS Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Hingham Institution forvings Cyclically Adjusted PS Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Hingham Institution forvings's Cyclically Adjusted PS Ratio distribution charts can be found below:

* The bar in red indicates where Hingham Institution forvings's Cyclically Adjusted PS Ratio falls into.


FRA:HS3
57GF Score
Hingham Institution for Savings FRA:HS3
Cyclically Adjusted PS Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Hingham Institution forvings Cyclically Adjusted PS Ratio Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted PS Ratio takes the Revenue per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/S calculation. Because it considers this 10-year average, it's often referred to as the CAPS Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio.

Hingham Institution forvings's Cyclically Adjusted PS Ratio for today is calculated as

Cyclically Adjusted PS Ratio=Share Price/ Cyclically Adjusted Revenue per Share
=234.00/35.98
=6.50

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Hingham Institution forvings's Cyclically Adjusted Revenue per Share for the quarter that ended in Mar. 2026 is calculated as:

For example, Hingham Institution forvings's adjusted Revenue per Share data for the three months ended in Mar. 2026 was:

Adj_RevenuePerShare=Revenue per Share/CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=4.9/330.2130*330.2130
=4.900

Current CPI (Mar. 2026) = 330.2130.

Hingham Institution forvings Quarterly Data

Revenue per Share CPI Adj_RevenuePerShare
201606 6.226 241.018 8.530
201609 6.286 241.428 8.598
201612 6.913 241.432 9.455
201703 6.761 243.801 9.157
201706 6.571 244.955 8.858
201709 6.314 246.819 8.447
201712 6.556 246.524 8.782
201803 6.585 249.554 8.713
201806 6.499 251.989 8.516
201809 6.899 252.439 9.025
201812 4.857 251.233 6.384
201903 7.709 254.202 10.014
201906 7.214 256.143 9.300
201909 7.536 256.759 9.692
201912 8.572 256.974 11.015
202003 4.255 258.115 5.444
202006 11.511 257.797 14.744
202009 10.384 260.280 13.174
202012 10.891 260.474 13.807
202103 10.758 264.877 13.412
202106 11.770 271.696 14.305
202109 10.082 274.310 12.137
202112 12.033 278.802 14.252
202203 10.003 287.504 11.489
202206 6.212 296.311 6.923
202209 10.293 296.808 11.451
202212 10.396 296.797 11.566
202303 7.957 301.836 8.705
202306 7.877 305.109 8.525
202309 5.021 307.789 5.387
202312 6.446 306.746 6.939
202403 6.433 312.332 6.801
202406 5.568 314.175 5.852
202409 6.236 315.301 6.531
202412 9.645 315.605 10.091
202503 7.390 319.799 7.631
202506 8.215 322.561 8.410
202509 11.946 324.800 12.145
202512 13.558 324.054 13.816
202603 4.900 330.213 4.900

Add all the adjusted revenue per share together and divide 10 will get our Cyclically Adjusted Revenue per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

What does a Cyclically Adjusted PS Ratio of 6.50 mean?
Hingham Institution forvings (FRA:HS3) has a Cyclically Adjusted PS Ratio of 6.50 as of Jul. 17, 2026. Cyclically Adjusted PS Ratio is the ratio of share price to a company's inflation-adjusted revenue per share over a 10-year period. View historical data on Hingham Institution forvings and its competitors. This is 14% below median its historical median of 7.54. Over the past decade, Hingham Institution forvings' Cyclically Adjusted PS Ratio has ranged from 3.85 to 12.33. According to the industry distribution chart, Hingham Institution forvings ranks #1184 out of 1303 companies in the Banks industry, placing it in the top 90.9%.
Is Hingham Institution forvings' Cyclically Adjusted PS Ratio too high?
Hingham Institution forvings' current Cyclically Adjusted PS Ratio of 6.50 is 14% below median its 10-year median of 7.54. Over the past 10 years, this metric has ranged from a low of 3.85 to a high of 12.33. The Banks industry median Cyclically Adjusted PS Ratio is 3.37. Hingham Institution forvings' value of 6.50 is 92.9% above this industry median. Based on the distribution chart, Hingham Institution forvings ranks #1184 out of 1303 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Hingham Institution forvings has a GF Score™ of 57/100, reflecting its overall financial health beyond just this single metric.
How does Hingham Institution forvings' Cyclically Adjusted PS Ratio compare to AROW and TCBX?
According to the Banks industry distribution chart, Hingham Institution forvings ranks #1184 out of 1303 companies for Cyclically Adjusted PS Ratio. This places Hingham Institution forvings in the lower half of its industry. The industry median Cyclically Adjusted PS Ratio is 3.37. Hingham Institution forvings' value of 6.50 is 92.9% above this benchmark. Historically, Hingham Institution forvings' own Cyclically Adjusted PS Ratio has ranged from 3.85 to 12.33 over the past decade. While the company's 10-year median is 7.54 vs. the industry median of 3.37, Hingham Institution forvings has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted PS Ratio for a Banks company?
The median Cyclically Adjusted PS Ratio among Banks companies is 3.37, based on 1,303 companies in the industry. Companies in the top quartile (top 25%) have a Cyclically Adjusted PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, Cyclically Adjusted PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Hingham Institution forvings's current Cyclically Adjusted PS Ratio of 6.50 is 92.9% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted PS Ratio mean?
A high Cyclically Adjusted PS Ratio can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted PS Ratio is the ratio of share price to a company's inflation-adjusted revenue per share over a 10-year period. View historical data on Hingham Institution forvings and its competitors. For the Banks industry, the median Cyclically Adjusted PS Ratio is 3.37 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Hingham Institution forvings's current Cyclically Adjusted PS Ratio is 6.50, which is 14% below median its own 10-year median of 7.54. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Hingham Institution forvings stock overvalued right now?
Hingham Institution forvings (FRA:HS3) has a current Cyclically Adjusted PS Ratio of 6.50. The stock's GF Value™ is €248.91, compared to a current price of €234.00 — trading 6% below its estimated fair value. The current Cyclically Adjusted PS Ratio is 6.50, which is 14% below median its 10-year median of 7.54 and 92.9% above the Banks industry median of 3.37. Hingham Institution forvings' overall GF Score™ is 57/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted PS Ratio calculated?
Cyclically Adjusted PS Ratio is calculated from a company's financial statements. For Hingham Institution forvings (FRA:HS3), the current Cyclically Adjusted PS Ratio is 6.50 as of Jul. 17, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Hingham Institution forvings (FRA:HS3) Overvalued in 2026?

Based on GuruFocus' analysis, Hingham Institution forvings stock appears to be undervalued. The current stock price of €234.00 is trading 6% below its estimated GF Value™ of €248.91.

Key valuation signals for FRA:HS3:

  • Cyclically Adjusted PS Ratio: 6.50 (14% below median its 10-year median of 7.54)
  • GF Value™: €248.91 vs. price of €234.00 (6% below fair value)
  • GF Score™: 57/100 with 4 warning signs
  • Industry Position: 92.9% above the Banks median (#1184 of 1303)

No single metric tells the full story. See the FRA:HS3 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Hingham Institution forvings Business Description

Other Exchanges HIFS:USA
Address 55 Main Street, Hingham, MA, USA, 02043
Hingham Institution for Savings is a Massachusetts-chartered savings bank headquartered in Hingham, Massachusetts. The bank is principally engaged in the business of commercial and residential real estate mortgage lending, funded by a mix of retail and commercial deposits, wholesale deposits and borrowings. Its primary 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 bank also lends to commercial and residential real estate borrowers and services deposits for customers in the greater Washington, D.C. metropolitan area (WMA) and in the San Francisco Bay Area.
57GF Score

Get the complete analysis for FRA:HS3

Cyclically Adjusted PS Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€234.00
Price
€248.91
GF Value