Hingham Institution for Savings (HIFS) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Hingham Institution for Savings stock (HIFS) is currently trading at $277.42. Hingham Institution for Savings PE ratio is 13.33. Hingham Institution for Savings PS ratio (Price-to-Sales) is 5.77. WallStSmart rates HIFS as Moderate Buy.
- HIFS PE ratio analysis and historical PE chart
- HIFS PS ratio (Price-to-Sales) history and trend
- HIFS intrinsic value — DCF, Graham Number, EPV models
- HIFS stock price prediction 2025 2026 2027 2028 2029 2030
- HIFS fair value vs current price
- HIFS insider transactions and insider buying
- Is HIFS undervalued or overvalued?
- Hingham Institution for Savings financial analysis — revenue, earnings, cash flow
- HIFS Piotroski F-Score and Altman Z-Score
- HIFS analyst price target and Smart Rating
Hingham Institution for Savings
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HIFS Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Hingham Institution for Savings (HIFS)
HIFS trades at a significant discount to its Graham intrinsic value of $961.74, offering a 69% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Hingham Institution for Savings (HIFS) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, revenue growth. Overall metrics suggest strong investment potential with favorable risk/reward.
Hingham Institution for Savings (HIFS) Key Strengths (6)
Keeps $78 of every $100 in revenue after operating costs
Revenue surging 102.00% year-over-year
Earnings per share surging 195.10% year-over-year
Keeps $50 of every $100 in revenue as net profit
Trading at 1.24x book value, attractively priced
63.01% held by institutions, strong professional interest
Supporting Valuation Data
Hingham Institution for Savings (HIFS) Areas to Watch (3)
Premium valuation at 5.8x annual revenue
Small-cap company with higher risk but more growth potential
Moderate profitability with room for improvement
Supporting Valuation Data
Hingham Institution for Savings (HIFS) Detailed Analysis Report
Overall Assessment
This company scores 70/100 in our Smart Analysis, earning a B- grade. Out of 9 metrics analyzed, 6 register as strengths (avg 9.3/10) while 3 fall into concern territory (avg 4.7/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on Operating Margin, Revenue Growth, EPS Growth. Valuation metrics including Price/Book (1.24) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 77.90%, Profit Margin at 49.90%. Growth metrics are encouraging with Revenue Growth at 102.00%, EPS Growth at 195.10%.
The Bear Case
The primary concerns are Price/Sales, Market Cap, Return on Equity. Some valuation metrics including Price/Sales (5.77) suggest expensive pricing. Profitability pressure is visible in Return on Equity at 10.20%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Price/Sales improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 10.20% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 102.00% strong but requiring continuation.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of Operating Margin and Revenue Growth makes a compelling case at current levels. The key risk is Price/Sales, but the overall fundamental picture is positive with a clear path to maintaining or improving the current B- grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
HIFS Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
HIFS's Price-to-Sales ratio of 5.77x trades 77% above its historical average of 3.26x (90th percentile), historically expensive. The current valuation is 15% below its historical high of 6.78x set in Dec 2016, and 365% above its historical low of 1.24x in Jan 2009.
WallStSmart Analysis Synopsis
Data-driven financial summary for Hingham Institution for Savings (HIFS) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Hingham Institution for Savings is a strong growth company balancing expansion with improving profitability. Revenue reached 91M with 102% growth year-over-year. Profit margins are strong at 49.9%, reflecting pricing power and operational efficiency.
Key Findings
Revenue growing at 102% YoY, reaching 91M. This pace significantly outperforms most BANKS - REGIONAL peers.
Profit margin of 49.9% and operating margin of 77.9% demonstrate strong pricing power and operational efficiency.
Debt-to-equity ratio of 3.05 is elevated. High leverage amplifies both gains and losses and increases financial risk.
What to Watch Next
Growth sustainability: can Hingham Institution for Savings maintain 102%+ revenue growth, or will competition slow it down?
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Hingham Institution for Savings.
Bottom Line
Hingham Institution for Savings offers an attractive blend of growth (102% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Hingham Institution for Savings(HIFS)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Hingham Institution for Savings offers a variety of financial products and services to individuals and businesses in the United States. The company is headquartered in Hingham, Massachusetts.