Hingham Institution forvings (FRA:HS3) Moat Score: 5/10 (As of Jul. 05, 2026)


FRA:HS3 Hingham Institution for Savings FRA:HS3
57 GF Score
Price €266.00
GF Value €269.23
! 5 Warning Signs
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What is Hingham Institution forvings Moat Score?

Hingham Institution forvings FRA:HS3 +3.10% 57 Moat Score is 5 as of Jul. 05, 2026. GuruFocus rates FRA:HS3 with a GF Score™ of 57/100 and a GF Value™ of €269.23. The stock has 5 warning signs investors should review. Among 1,612 Banks companies, Hingham Institution forvings ranks better than 94.04% on this metric.

Hingham Institution forvings has the Moat Score of 5, which implies that the company might have Narrow Moat - Solid narrow moat.

Hingham Institution forvings has Narrow Moat: HIFS has a solid narrow moat due to its strong regional market presence and customer loyalty. It benefits from economies of scale in its niche market, but lacks significant network effects or proprietary technology to elevate it to a wide moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Hingham Institution forvings might have Narrow Moat - Solid narrow moat.

Hingham Institution forvings  (FRA:HS3) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Hingham Institution forvings Moat Score Related Terms

FRA:HS3 vs AROW, TCBX, PFIS: Moat Score Comparison

For the Banks - Regional subindustry, Hingham Institution forvings's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Hingham Institution forvings's Moat Score distribution charts can be found below:

* The bar in red indicates where Hingham Institution forvings's Moat Score falls into.


FRA:HS3
57GF Score
Hingham Institution for Savings FRA:HS3
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 5 mean?
Hingham Institution forvings (FRA:HS3) has a Moat Score of 5 as of Jul. 05, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Hingham Institution forvings ranks #96 out of 1612 companies in the Banks industry, placing it in the top 6%.
Is Hingham Institution forvings' Moat Score too high?
Hingham Institution forvings' current Moat Score is 5. Based on the distribution chart, Hingham Institution forvings ranks #96 out of 1612 companies in the Banks industry, which is in the top quartile — a strong position 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' Moat Score compare to AROW and TCBX?
According to the Banks industry distribution chart, Hingham Institution forvings ranks #96 out of 1612 companies for Moat Score. This places Hingham Institution forvings in the top 6% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Hingham Institution forvings's current Moat Score is 5. 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 Moat Score of 5. The stock's GF Value™ is €269.23, compared to a current price of €266.00 — trading 1.2% below its estimated fair value. The current Moat Score is 5. Hingham Institution forvings' overall GF Score™ is 57/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Hingham Institution forvings (FRA:HS3), the current Moat Score is 5 as of Jul. 05, 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 €266.00 is trading 1.2% below its estimated GF Value™ of €269.23.

Key valuation signals for FRA:HS3:

  • Moat Score: 5
  • GF Value™: €269.23 vs. price of €266.00 (1.2% below fair value)
  • GF Score™: 57/100 with 5 warning signs

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

Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€266.00
Price
€269.23
GF Value