Hingham Institution for Savings (HIFS)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Hingham Institution for Savings (HIFS) trades at $301.14 with AI Score 68/100 (Grade B+). Hingham Institution for Savings is a regional bank providing financial products and services to individuals and businesses. Market cap: $656.56M, Sector: Financial services.
Price live · AI analysis from May 10, 2026Analyst Coverage for HIFS: HIFS does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates HIFS against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
HIFS: 1/1 perspectives are bullish.
How is this calculated? →Hingham Institution for Savings (HIFS) Financial Services Profile
Hingham Institution for Savings, established in 1834, is a regional bank offering diverse financial products, including commercial and residential loans, primarily in the Boston area and eastern Massachusetts. With a focus on traditional banking services and a network of six offices, HIFS maintains a community-centric approach in a competitive banking landscape.
What Is the Investment Thesis for HIFS?
Hingham Institution for Savings presents a stable investment profile within the regional banking sector. With a P/E ratio of 12.32 and a profit margin of 22.1%, the bank demonstrates consistent profitability. The dividend yield of 1.14% provides a modest income stream for investors. Growth catalysts include expansion of its lending activities in key markets and leveraging technology to enhance customer service. However, potential risks include interest rate sensitivity and competition from larger financial institutions. The bank's beta of 0.94 suggests lower volatility compared to the overall market. The company's focus on commercial and residential real estate lending makes it sensitive to fluctuations in the real estate market. Investors should monitor the bank's asset quality and risk management practices to assess its long-term sustainability.
Based on FMP financials and quantitative analysis
HIFS Key Highlights
- Market Cap of $656.56M reflects its position as a smaller regional bank.
- P/E Ratio of 12.32 indicates a potentially reasonable valuation compared to earnings.
- Profit Margin of 22.1% demonstrates solid profitability within the banking sector.
- Dividend Yield of 1.14% provides a modest income stream for investors.
- Beta of 0.94 suggests lower volatility compared to the overall market.
Who Are HIFS's Competitors?
HIFS is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| BOH Bank of Hawaii Corporation | $83.05 | +0.39% | $3.29B | 86 |
| MCHB Mechanics Bank | $16.21 | +0.31% | 4B | 71 |
| STLE Steele Bancorp Inc. | $43.05 | -0.67% | $80.01M | 69 |
| NASB NASB Financial, Inc. | $40.30 | +0.00% | $289.22M | 68 |
| CIBEY Commercial International Bank (Egypt) S.A.E | $2.63 | +3.54% | $8.68B | 67 |
| GBOOY Grupo Financiero Banorte, S.A.B. de C.V. | $54.16 | +0.39% | $30.47B | 67 |
| ASBA Associated Banc-Corp | $24.53 | +0.25% | $4.05B | 67 |
| LRBI Lake Ridge Bancorp Inc. | $143.25 | +0.00% | $281.73M | 67 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are HIFS's Key Strengths?
- Strong local presence in Boston and eastern Massachusetts.
- Long-standing history and reputation.
- Focus on commercial and residential real estate lending.
- Experienced management team.
What Are HIFS's Weaknesses?
- Limited geographic diversification.
- Smaller size compared to larger regional and national banks.
- Dependence on interest rate environment.
- Limited product diversification.
What Could Drive HIFS Stock Higher?
- Expansion of commercial lending activities in Washington.
- Enhancement of digital banking services to attract and retain customers.
- Strategic partnerships with local businesses to drive loan growth.
- Increase residential real estate lending in Boston.
- Diversification into wealth management services.
What Are the Key Risks for HIFS?
- Financial-distress signal — its Altman Z-Score of 0.35 sits in the distress zone (elevated bankruptcy risk).
- Economic downturn impacting real estate values and loan performance.
- Changes in interest rates affecting net interest margin.
- Increased competition from larger regional and national banks.
- Regulatory changes impacting capital requirements and compliance costs.
- Cybersecurity threats and data breaches.
What Are the Growth Opportunities for HIFS?
- Expansion of Commercial Lending in Washington: Hingham Institution for Savings has an opportunity to expand its commercial lending activities in Washington, leveraging its existing presence and relationship managers. The commercial lending market in Washington is estimated to be worth several billion dollars, offering significant growth potential. By focusing on small and medium-sized businesses, Hingham Institution for Savings can capitalize on the demand for local banking services. Timeline: Ongoing.
- Enhancement of Digital Banking Services: Investing in and enhancing digital banking services can attract a younger demographic and improve customer retention. The digital banking market is growing rapidly, with mobile banking transactions increasing year over year. By offering a user-friendly mobile app and online banking platform, Hingham Institution for Savings can compete with larger banks that have already invested heavily in technology. Timeline: Ongoing.
- Strategic Partnerships with Local Businesses: Forming strategic partnerships with local businesses can drive loan growth and increase brand awareness. By offering tailored financial solutions to local businesses, Hingham Institution for Savings can build stronger relationships and generate referral business. The market for small business loans is substantial, with many businesses seeking financing for expansion and working capital. Timeline: Ongoing.
- Increase Residential Real Estate Lending in Boston: Expanding its residential real estate lending activities in the Boston area can capitalize on the demand for housing. The Boston real estate market is characterized by high property values and limited inventory, creating opportunities for mortgage lending. By offering competitive rates and personalized service, Hingham Institution for Savings can attract homebuyers and increase its market share. Timeline: Ongoing.
- Diversification into Wealth Management Services: Diversifying into wealth management services can generate additional revenue streams and attract high-net-worth clients. The wealth management market is growing, with individuals and families seeking advice on investments, retirement planning, and estate planning. By offering a comprehensive suite of wealth management services, Hingham Institution for Savings can deepen its relationships with existing customers and attract new clients. Timeline: Ongoing.
What Opportunities Does HIFS Have?
- Expansion of commercial lending activities in Washington.
- Enhancement of digital banking services.
- Strategic partnerships with local businesses.
- Diversification into wealth management services.
What Threats Does HIFS Face?
- Competition from larger regional and national banks.
- Economic downturn impacting real estate values.
- Changes in interest rates.
- Increased regulatory scrutiny.
What Are HIFS's Competitive Advantages?
- Long-standing history and reputation in the community.
- Strong local market knowledge and expertise.
- Relationship-based banking approach.
- Focus on commercial and residential real estate lending.
What Does HIFS Do?
Hingham Institution for Savings, founded in 1834 and headquartered in Hingham, Massachusetts, has a long history of providing financial services to individuals and businesses. The bank offers a range of products, including savings, checking, and money market accounts, as well as certificates of deposit. Its lending activities encompass commercial and residential real estate, construction, home equity, commercial, and consumer loans. Hingham Institution for Savings operates through a network of six offices located in Boston and eastern Massachusetts, complemented by commercial lenders and relationship managers in Washington. The institution emphasizes personalized service and local market expertise, differentiating itself from larger national banks. It also provides modern conveniences such as ATMs, debit cards, and internet-based banking services. The bank's enduring presence in the region reflects its commitment to serving the financial needs of its community, balancing traditional banking values with contemporary financial solutions. Hingham Institution for Savings has carefully cultivated its position as a trusted financial partner for individuals and businesses in its operating areas, emphasizing relationship-based banking and local decision-making. The bank's strategy focuses on sustainable growth and maintaining a strong capital base to support its lending activities and community involvement. Its long-standing history and commitment to its customers have allowed it to build a loyal customer base and a strong reputation in the region.
What Products and Services Does HIFS Offer?
- Offers savings, checking, and money market accounts.
- Provides certificates of deposit.
- Originates commercial and residential real estate loans.
- Offers construction and home equity loans.
- Provides commercial and consumer loans.
- Offers ATM and debit card services.
- Provides internet-based banking services.
How Does HIFS Make Money?
- Generates revenue through interest income from loans.
- Earns fees from deposit accounts and other services.
- Manages risk through underwriting and loan portfolio diversification.
- Focuses on relationship-based banking and local market expertise.
What Industry Does HIFS Operate In?
Hingham Institution for Savings operates within the regional banking industry, which is characterized by intense competition and evolving regulatory landscapes. The industry is influenced by factors such as interest rate movements, economic growth, and technological advancements. Regional banks like Hingham Institution for Savings compete with larger national banks and credit unions for deposits and loans. The market is seeing increased adoption of digital banking services, requiring banks to invest in technology to remain competitive. The regional banking sector is also subject to regulatory oversight, including capital requirements and compliance standards. Hingham Institution for Savings's focus on commercial and residential real estate lending positions it within a specific niche of the banking industry.
Who Are HIFS's Key Customers?
- Individuals seeking personal banking services.
- Small and medium-sized businesses requiring commercial loans.
- Real estate developers seeking construction financing.
- Homebuyers seeking mortgage loans.
Company Profile
Hingham Institution for Savings operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Hingham, US. The company is led by CEO Robert H. Gaughen Jr.. HIFS has traded publicly since 1988.
Hingham Institution for Savings (HIFS) Valuation Context
Relative to its peer group, HIFS's quantitative score of 68/100 is roughly in line with the peer average of 72/100.
F-Score 6/9Financial Health
Hingham Institution for Savings's Piotroski F-Score is 6/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.35 places it in the distress zone, a signal of elevated financial risk.
HIFS Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- HIFS insiders seem to be positioning themselves for potential growth, which often signals confidence in the company's future prospects.
- The community is buzzing about potential new partnerships that could significantly expand HIFS's market reach.
- There's a growing perception that HIFS is undervalued compared to its peers, making it an attractive acquisition target.
- Recent market developments suggest increased demand for HIFS's core services, potentially boosting revenue.
Bear Case
- Some insiders have recently reduced their positions, which might indicate concerns about near-term performance.
- Community sentiment reflects worries about increased competition eroding HIFS's market share.
- There's a growing perception that HIFS's business model is becoming outdated, potentially impacting long-term growth.
- Recent market volatility has created uncertainty around HIFS's ability to maintain its current performance levels.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · January 2026
HIFS Latest News
No recent news available for HIFS.
HIFS Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for HIFS.
Price Targets
Wall Street price target analysis for HIFS.
HIFS MoonshotScore
What does this score mean?
The MoonshotScore rates HIFS's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Robert H. Gaughen Jr.
Unknown
Robert H. Gaughen Jr. serves as a key leader at Hingham Institution for Savings, overseeing the bank's operations and strategic direction. His background includes extensive experience in the financial services industry, with a focus on community banking and real estate lending. He is responsible for managing the bank's 87 employees and ensuring its continued growth and profitability. His expertise in risk management and regulatory compliance is crucial for navigating the complex banking environment.
Track Record: Under Robert H. Gaughen Jr.'s leadership, Hingham Institution for Savings has maintained a strong financial performance and a solid reputation in the community. He has focused on expanding the bank's lending activities and enhancing its customer service capabilities. His strategic decisions have contributed to the bank's sustainable growth and its ability to adapt to changing market conditions.
HIFS Financial Services Stock FAQ
What does Hingham Institution for Savings do?
Hingham Institution for Savings is a regional bank offering a variety of financial products and services to individuals and businesses. These include deposit accounts like savings, checking, and money market accounts, as well as lending services focused on commercial and residential real estate, construction, and consumer loans. The bank operates primarily in Boston and eastern Massachusetts, emphasizing personalized service and local market expertise to differentiate itself from larger national banks. It also provides modern conveniences such as ATMs, debit cards, and internet-based banking services.
What do analysts say about HIFS stock?
Analyst coverage of Hingham Institution for Savings (HIFS) is limited, given its size and regional focus. However, key valuation metrics such as its P/E ratio of 12.32 and profit margin of 22.1% offer insights into its financial health. Growth considerations include its ability to expand lending activities and leverage technology. Investors should monitor its asset quality, risk management practices, and sensitivity to interest rate movements. Analyst consensus is Unknown.
What are the main risks for HIFS?
Hingham Institution for Savings faces several risks inherent to the banking industry. These include potential economic downturns impacting real estate values and loan performance, changes in interest rates affecting net interest margin, and increased competition from larger regional and national banks. Regulatory changes impacting capital requirements and compliance costs also pose a risk. Additionally, cybersecurity threats and data breaches are ongoing concerns for all financial institutions, including Hingham Institution for Savings.
What are the key factors to evaluate for HIFS?
Hingham Institution for Savings (HIFS) holds an AI score of 68/100 (moderate). Not financial advice.
How frequently does HIFS data refresh on this page?
HIFS prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven HIFS's recent stock price performance?
Hingham Institution for Savings (HIFS) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong local presence in Boston and eastern Massachusetts. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider HIFS overvalued or undervalued right now?
Valuing Hingham Institution for Savings (HIFS) requires multiple metrics. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying HIFS?
Before investing in Hingham Institution for Savings (HIFS), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Limited analyst coverage may affect the accuracy of consensus estimates.
- Economic conditions in the Boston and eastern Massachusetts area can significantly impact the bank's performance.