Hingham Institution for Savings Common Stock (HIFS)

FairStock Score: 71/100 — STEADY

Key Financials

Strengths

• Solid return on equity of 10.9% above cost of capital
• Revenue growth of 57.6% demonstrates strong top-line momentum
• FairStock composite score of 71/100 places it in the top tier across value, quality, and momentum factors

Concerns

• Altman Z-Score of 0.2 places it in the financial distress zone—elevated bankruptcy risk

AI Analysis

Hingham Institution for Savings Common Stock is a micro-cap financial services company valued at $633 million. Revenue stands at $98 million. From a quality standpoint, Hingham shows distressed Altman Z-Score of 0.2 warrants caution and adequate 11% ROE. On valuation, the stock is attractively valued at 11.5x earnings, with a modest 14% margin of safety vs Graham Number. Growth dynamics show revenue growing at 57.6% and profit growth of 82.1%. Our composite FairStock Score of 71/100 reflects above-average fundamentals overall. Investors should weigh the business quality against the current price and their own margin of safety requirements.

Bull Case

Hingham's 58% revenue growth trajectory could accelerate as it captures additional market share in the financial services sector. Operational leverage in the business model means incremental revenue growth could disproportionately boost bottom-line profitability.

Bear Case

Macro headwinds or sector-specific disruption could pressure margins, particularly if competitive intensity increases in the financial services space. Regulatory changes, input cost inflation, or demand normalization represent underappreciated risks that could materially impact forward estimates.

Data from SEC filings. AI analysis is for educational purposes only — not investment advice. Scoring methodology · Disclaimer