ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
Hingham Institution forvings ROE % Related Terms
Hingham Institution forvings ROE % 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.
For the Banks - Regional subindustry, Hingham Institution forvings's ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Hingham Institution forvings's ROE % distribution charts can be found below:
* The bar in red indicates where Hingham Institution forvings's ROE % 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.
In the calculation of annual ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
ROE % is displayed in the 30-year financial page.
Hingham Institution forvings (FRA:HS3) has a ROE % of 2.38% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Hingham Institution forvings and its competitors. This is 84% below median its historical median of 15.05. Over the past decade, Hingham Institution forvings' ROE % has ranged from 6.65 to 20.83. According to the industry distribution chart, Hingham Institution forvings ranks #685 out of 1523 companies in the Banks industry, placing it in the top 45%.
Is Hingham Institution forvings' ROE % too high?
Hingham Institution forvings' current ROE % of 2.38% is 84% below median its 10-year median of 15.05. Over the past 10 years, this metric has ranged from a low of 6.65 to a high of 20.83. The Banks industry median ROE % is 10.22. Hingham Institution forvings' value of 2.38% is 76.7% below this industry median. Based on the distribution chart, Hingham Institution forvings ranks #685 out of 1523 companies in the Banks industry, which is above the industry midpoint. 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' ROE % compare to TCBX and ALPIB?
According to the Banks industry distribution chart, Hingham Institution forvings ranks #685 out of 1523 companies for ROE %. This puts Hingham Institution forvings in the upper half of its industry. The industry median ROE % is 10.22. Hingham Institution forvings' value of 2.38% is 76.7% below this benchmark. Historically, Hingham Institution forvings' own ROE % has ranged from 6.65 to 20.83 over the past decade. While the company's 10-year median is 15.05 vs. the industry median of 10.22, Hingham Institution forvings has consistently been below 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.22, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Hingham Institution forvings's current ROE % of 2.38% is 76.7% below 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Hingham Institution forvings and its competitors. For the Banks industry, the median ROE % is 10.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Hingham Institution forvings's current ROE % is 2.38%, which is 84% below median its own 10-year median of 15.05. 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 ROE % of 2.38%. The stock's GF Value™ is €260.67, compared to a current price of €242.00 — trading 7.2% below its estimated fair value. The current ROE % is 2.38%, which is 84% below median its 10-year median of 15.05 and 76.7% below the Banks industry median of 10.22. Hingham Institution forvings' overall GF Score™ is 57/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % calculated?
ROE % is calculated from a company's financial statements. For Hingham Institution forvings (FRA:HS3), the current ROE % is 2.38% as of Mar. 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 €242.00 is trading 7.2% below its estimated GF Value™ of €260.67.
Key valuation signals for FRA:HS3:
ROE %: 2.38% (84% below median its 10-year median of 15.05)
GF Value™: €260.67 vs. price of €242.00 (7.2% below fair value)
Industry Position: 76.7% below the Banks median (#685 of 1523)
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 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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