Hingham Institution For Savings

NMQ:HIFS · US4333231029

BanksSmall

360

Medium confidence — indicative

Value44

Profit price35

Cash yield1

Sales & asset price11

Price/Sales9

EV / Gross Profit1

Price/Book22

Quality68

Returns on capital12

Profit margins—

Cash backing65

Cash Conversion25

Accruals71

Owner Earnings Margin100

Growth36

Sales growth3

Profit growth45

Profit Growth16

Owner Earnings Growth73

Reinvestment50

Price momentum49

Safety50

Debt load1

Debt serviceability16

Liquidity27

Sentiment61

Analyst ratings—

Expectations trend—

Market mood71

Value Creation13/20creating some value

Creates more value than its capital costs
Owner earnings growing
Owner earnings per share growing
Reinvests at strong returns
Solid earnings base

What this means

Hingham Institution For Savings clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Based on 3/5 components.

Profile

CountryUSA

IndustryBanks

SizeSmall

TypePublic Company

ExchangeNASDAQGM

Founded1834

Employees86

Websitehinghamsavings.com

ISINUS4333231029

Last UpdateApr 2, 2026

Indices

NASDAQ (USA)

Themes

BankingFinancial Services

Description

Hingham Institution for Savings (the ‘bank’), a chartered savings bank, primarily engages in the business of commercial and residential real estate mortgage lending, funded by retail and commercial deposits, wholesale deposits and borrowings. The co…

Analysis

Quality compounder

Hingham Institution for Savings earns the quality_compounder label: good underlying economics priced fairly, with no obvious bargain or excess.

On valuation, the picture is attractive. The owner-earnings multiple stands at 12.6×; owner earnings: the cash an owner could take out each year.

Growth is tepid; the safety picture is adequate. The company scores 13/20 on our value-creation score: creating some value. Analysts lean positive.

No flags apply to this company at this time: accounts, balance sheet, and cash quality all pass. A clean bill of health is meaningful, not just the absence of a warning. This analysis describes numbers; it is not investment advice.

360° rank · history

1007550250

20232026

All-time high

Jan 2023

All-time low

Jun 2026

Average rank

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023

Price/Sales

—

Price/Earnings

—

Price/Book

—

Dividend Yield

—

Value (overall)

—

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View

1 · Watch OutGood· 100

Value

1 · ExpensiveGood Value· 100

Quality

1 · Weak FundamentalsHigh Quality· 100

Growth

1 · Tough TimesHigh Growth· 100

Safety

1 · High LeverageWell-Financed· 100

Sentiment

1 · SkepticismPositive· 100

Learn More →