What is Hingham Institution for Savings's (HIFS) StockRank?

MoatMap's StockRank for Hingham Institution for Savings (HIFS) is 18/100, with a Strong Sell signal. This is a composite score combining Quality (42), Value (30), and Momentum (30) factor ranks across MoatMap's 20,000+ stock universe.

Does Hingham Institution for Savings have an economic moat?

Hingham Institution for Savings (HIFS) has a Quality factor score of 42/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the financial characteristics of a moated business.

Is Hingham Institution for Savings a buy, hold, or sell?

MoatMap's current signal for Hingham Institution for Savings (HIFS) is Strong Sell, based on a StockRank of 18/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.

What sector is Hingham Institution for Savings in?

Hingham Institution for Savings (HIFS) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).

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HIFS

STRONG SELLREMOVE

Hingham Institution for Savings · Financial Services · United States · $632M · Avg Vol: $8M/d

StockRank

P/E (TTM)

12.5x

ROE

10.9%

D/E

—

Dividend %

0.9%

Director Trades · 180d

None in 180d →

Buybacks · 180d

None in 180d →

AI CONVICTION THESIS

A conservative, high-quality regional bank, but currently facing severe net interest margin compression due to the inverted yield curve, with no direct alignment to our macro themes.

COMPANY DESCRIPTION

Hingham Institution for Savings is a community bank providing a range of financial services including personal and commercial banking, mortgages, and lending products. It operates with a focus on conservative lending practices and efficient operations, effectively serving specific local markets. This well-capitalized mutual holding company is known for its strong financial metrics and shareholder-friendly policies.

FINANCIAL SUMMARY (USD)

Year	2022	2023	2024	2025	CAGR
Revenue	85.4M	64.6M	65.9M	104.4M	6.9%
EPS	17.49	12.26	12.95	25.01	12.7%
Shares	2.1M	2.2M	2.2M	2.2M	+1.6%
Debt	1.3B	1.7B	1.5B	1.5B	4.7%
Equity	386.0M	407.6M	431.8M	479.7M	7.5%
Op CF	55.9M	19.8M	11.9M	35.8M	-13.8%
Inv CF	-685.3M	-276.6M	32.5M	-37.5M	—
Fin CF	720.3M	257.3M	-55.0M	19.5M	—

PRICE (1Y)+10.8%

SMA 50SMA 200

$295.82

RSI (14)

70.3

52W High

$337.26

From 52W High

0.9%

SCORE BREAKDOWN

Quality

ROIC (ROA)

1.1%*42.6

ROE

10.9%55.7

GP/Assets

2.1%23.7

Op. Margin

40.8%60.0

FCF/Assets

—N/A

Piotroski

684.8

Int. Cover

—N/A

D/E Ratio

—N/A

Current Ratio

—N/A

Value

P/E (TTM)

12.5x51.5

EV/EBITDA

—N/A

P/FCF

—N/A

P/B

1.3x41.7

P/S

6.4x23.1

Div Yield

0.9%10.3

Momentum

52W High %

88%33.8

RS 6M

-7%40.4

SMA 50/200

1.00x35.1

EPS Rev 4W

—N/A

EPS Rev 12W

—N/A

EPS Improve

—N/A

Q Growth

-60%5.1

FUNDAMENTALS

Market Cap

$632M

P/E (Forward)

—

Gross Margin

0.0%

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of HIFS are excluded.

Ticker	Company	Mkt Cap	StockRank	Signal
HIFS	Hingham Institution for Savings(you)	$632M	18	STRONG SELL
BMRC	Bank of Marin Bancorp	$422M	21	SELL
EQBK	Equity Bancshares, Inc.	$973M	22	SELL
NBBK	NB Bancorp, Inc.	$891M	26	SELL
CCB	Coastal Financial Corporation	$1.1B	13	STRONG SELL
FCBM	First Carolina Financial Services, Inc.	$381M	23	SELL
TCBX	Third Coast Bancshares, Inc.	$649M	35	SELL
FRBA	First Bank	$419M	28	SELL
CZNC	Citizens & Northern Corporation	$385M	27	SELL
NRIM	Northrim BanCorp, Inc.	$558M	35	SELL

Peer medians: ROE 10.6% · P/E 13.5x · Gross margin 0.0%

Hingham Institution for Savings (HIFS) — Stock Score Summary

Hingham Institution for Savings (HIFS) has a MoatMap StockRank of 18/100 based on Quality (42/100), Value (30/100), and Momentum (30/100) factor scores. The current signal is STRONG SELL. A conservative, high-quality regional bank, but currently facing severe net interest margin compression due to the inverted yield curve, with no direct alignment to our macro themes.

Key Financial Metrics

Price	$295.82
Market Cap	$632M
P/E (TTM)	12.48
Price/Book	1.30
Return on Equity	10.9%
Gross Margin	0.0%
Operating Margin	40.8%
Revenue Growth	-30.5%
Dividend Yield	0.9%

Hingham Institution for Savings operates in the Banks - Regional industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is Hingham Institution for Savings’s (HIFS) StockRank?: MoatMap’s StockRank for Hingham Institution for Savings (HIFS) is 18/100, with a Strong Sell signal. It is a composite of Quality (42), Value (30), and Momentum (30) factor ranks across MoatMap’s 20,000+ stock universe.
Does Hingham Institution for Savings have an economic moat?: Hingham Institution for Savings (HIFS) has a Quality factor score of 42/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is Hingham Institution for Savings a buy, hold, or sell?: MoatMap’s current signal for Hingham Institution for Savings (HIFS) is Strong Sell, based on a StockRank of 18/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.
What sector is Hingham Institution for Savings in?: Hingham Institution for Savings (HIFS) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).