Hingham Institution for Savings Common Stock (HIFS)

FairStock Score: 71/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look at a bank as a leveraged pool of loans funded by deposits, so profitability and price relative to book matter first. Hingham is a 93-employee savings institution focused on real estate and small-business lending. At the 2026-10-13 close of $290.34, FairStock calculates a market cap of $633.4M, P/E of 9.67, P/B of 1.26, and ROE of 13.91%; the data lists EPS of $30.04. That is not a demanding valuation for a bank earning low-double-digit returns on equity, provided credit stays sound. In the latest reported quarter, the 2026 second quarter, revenue was $42.9M and net income was $25.4M, a 59.29% net margin. Those are attractive figures, though one quarter can be noisy. The provided growth figures are striking but lack a stated period, so I would want filed annual and quarterly statements to judge whether they are sustainable or reflect one-time items. The Piotroski F-Score is 5/9, middling. A PEG ratio of 0.12 looks cheap, but bank earnings are cyclical and sensitive to rates and credit. A 0.87% dividend yield and beta of 0.86 suggest modest income and lower volatility, not safety. Critical bank measures—CET1, net interest margin, efficiency ratio, nonperforming loans, and loan-loss reserves—are not in the data. Combined ratio is also absent, though it is not the key metric for a bank. Leverage and underwriting quality are exactly what can destroy book value. The price looks fair to inexpensive against the numbers shown, but the margin of safety depends on credit data I cannot see.

In plain English: Hingham Institution for Savings is a small regional bank that serves individuals and small businesses, mainly by taking deposits and making loans. In its latest reported quarter, it earned a high profit margin, and the business looks profitable. Based on the numbers provided, the stock price looks reasonable to somewhat cheap compared with the company's earnings and accounting value, but key bank risk details are missing.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer