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A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Hingham Institution forvings's Debt-to-Equity or its related term are showing as below:
HIFS'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.8 Med: 2.94 Max: 4.15
Current: 2.77
During the past 13 years, the highest Debt-to-Equity Ratio of Hingham Institution forvings was 4.15. The lowest was 0.80. And the median was 2.94.
HIFS's Debt-to-Equity is ranked worse than 90.79% of 1422
companies
in the Banks industry
Industry Median: 0.58
vs HIFS: 2.77
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Hingham Institution forvings Debt-to-Equity Related Terms
Hingham Institution forvings Debt-to-Equity Historical Data
* 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.
HIFS vs NRIM, CIVB, NPB: Debt-to-Equity Comparison
For the Banks - Regional subindustry, Hingham Institution forvings's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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 Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Hingham Institution forvings's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Hingham Institution forvings's Debt-to-Equity falls into.
* 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 (HIFS) has a Debt-to-Equity of 2.77 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Hingham Institution forvings and its competitors. This is near median its historical median of 2.94. Over the past decade, Hingham Institution forvings' Debt-to-Equity has ranged from 0.80 to 4.15. According to the industry distribution chart, Hingham Institution forvings ranks #1291 out of 1422 companies in the Banks industry, placing it in the top 90.8%.
Is Hingham Institution forvings' Debt-to-Equity too high?
Hingham Institution forvings' current Debt-to-Equity of 2.77 is near median its 10-year median of 2.94. Over the past 10 years, this metric has ranged from a low of 0.80 to a high of 4.15. The Banks industry median Debt-to-Equity is 0.58. Hingham Institution forvings' value of 2.77 is 377.6% above this industry median. Based on the distribution chart, Hingham Institution forvings ranks #1291 out of 1422 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 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Hingham Institution forvings' Debt-to-Equity compare to NRIM and CIVB?
According to the Banks industry distribution chart, Hingham Institution forvings ranks #1291 out of 1422 companies for Debt-to-Equity. This places Hingham Institution forvings in the lower half of its industry. The industry median Debt-to-Equity is 0.58. Hingham Institution forvings' value of 2.77 is 377.6% above this benchmark. Historically, Hingham Institution forvings' own Debt-to-Equity has ranged from 0.80 to 4.15 over the past decade. While the company's 10-year median is 2.94 vs. the industry median of 0.58, 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 Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.58, based on 1,422 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Hingham Institution forvings's current Debt-to-Equity of 2.77 is 377.6% 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 Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Hingham Institution forvings and its competitors. For the Banks industry, the median Debt-to-Equity is 0.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Hingham Institution forvings's current Debt-to-Equity is 2.77, which is near median its own 10-year median of 2.94. 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?
Based on GuruFocus' analysis, Hingham Institution forvings (HIFS) is currently considered Modestly Undervalued. The stock's GF Value™ is $387.62, compared to a current price of $301.13 — trading 22.3% below its estimated fair value. The current Debt-to-Equity is 2.77, which is near median its 10-year median of 2.94 and 377.6% above the Banks industry median of 0.58. 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 Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Hingham Institution forvings (HIFS), the current Debt-to-Equity is 2.77 as of Jun. 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 (HIFS) Overvalued in 2026?
Based on GuruFocus' analysis, Hingham Institution forvings stock appears to be undervalued.
The current stock price of $301.13 is trading 22.3% below its estimated GF Value™ of $387.62.
GuruFocus considers Hingham Institution forvings to be Modestly Undervalued.
Key valuation signals for HIFS:
Debt-to-Equity: 2.77 (near median its 10-year median of 2.94)
GF Value™: $387.62 vs. price of $301.13 (22.3% below fair value)
Industry Position: 377.6% above the Banks median (#1291 of 1422)
No single metric tells the full story. See the HIFS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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
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