HIFS
HoldFallen FavouriteAI neutralHingham Institution for Savings · Financial Services · United States · $643M cap · $10.8M/day traded
$297.58 +0.9% · close 20 Oct · scored 21 Oct
Fallen Favourite: A good business, still expensive, and the price is falling.
As of 21 Oct 2026, MoatMap's StockRank for Hingham Institution for Savings (HIFS) is 58/100, ranked against 24,000+ stocks in 35 markets (Quality 64, Value 43, Momentum 46, each scored against its sector).
Does StockRank work? Each month we publish how every decile did, whichever way it went. See the record →
Hingham Institution for Savings is a Massachusetts savings bank run by the same owner-operator management since 1993, known for one of the lowest cost-to-income ratios in US banking and disciplined capital allocation. Its concentration in multifamily and commercial real estate lending funded by wholesale money makes earnings very sensitive to interest rates, and a longer period of high rates delays the margin recovery the bank has been waiting for.
ABOUT HINGHAM INSTITUTION FOR SAVINGS
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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 | TTM |
|---|---|---|---|---|---|---|
| Revenue | 85.4M | 64.6M | 65.9M | 104.4M | 6.9% | 114.6M |
| EPS | 17.49 | 12.26 | 12.95 | 25.01 | 12.7% | 30.04 |
| Shares | 2.1M | 2.2M | 2.2M | 2.2M | +1.6% | 2.2M |
| Debt | 1.3B | 1.7B | 1.5B | 1.5B | 4.7% | 1.4B |
| Equity | 386.0M | 407.6M | 431.8M | 479.7M | 7.5% | — |
| Op CF | 55.9M | 19.8M | 11.9M | 35.8M | -13.8% | 35.8M |
| Inv CF | -685.3M | -276.6M | 32.5M | -37.5M | — | — |
| Fin CF | 720.3M | 257.3M | -55.0M | 19.5M | — | — |
Above its 200-day average and 12% below its 52-week high.
The Momentum score still reads 46: it weighs six months of price and earnings revisions, so it trails a turn like this.
Calmer than 52% of stocks we rank over the past year (41% a year).
How this is worked out
StockRank judges the business. The price check reads only the chart: it is the price side of the Momentum score, in words.
The rules: Still falling is a new 52-week low in the last two weeks, at least 25% below the high. Finding a floor is no new low since. Turning up is 20 or more trading days without a new low, at least 10% off it, and back above a rising 50-day average. In an uptrend is above the 200-day average and within 15% of the high.
In 2,112 US drawdowns since 2001, buying while the price was still falling was followed by a further 20% drop 42% of the time. Waiting for a turn like this one cut that to 33%, at about 7% higher prices and with no better returns. Part of that cut is simply not buying: 13% of falls never turned, and waiting kept those out. Among turns that were bought, 38% still fell another 20%, and 33% of turns were followed by a new low within six months. The benefit was largest in crashes such as 2008 and 2020.
What it measures: day-to-day price moves over the past year, as a yearly figure, ranked against every stock we cover. Very calm under 20% a year, Calm 20 to 30%, Average 30 to 40%, Bumpy 40 to 55%, Very bumpy above that.
What we found: across about 13,500 stocks in 34 markets (2002 to 2025), past swings were a good guide to the next year's, and bumpier stocks fell further. How much further changed too much between eras to put a number on it.
Calm is not safe: a calm stock can still slide steadily.
Rules fixed before any data was fetched. Describes the chart, not a recommendation.
SCORE BREAKDOWN
FUNDAMENTALS
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) | $643M | 58 | Hold |
| RRBI | Red River Bancshares, Inc. | $662M | 58 | Hold |
| AROW | Arrow Financial Corporation | $611M | 58 | Hold |
| NRIM | Northrim BanCorp, Inc. | $546M | 59 | Hold |
| HTB | HomeTrust Bancshares, Inc. | $747M | 60 | Hold |
| BSRR | Sierra Bancorp | $511M | 59 | Hold |
| CCBG | Capital City Bank Group, Inc. | $834M | 59 | Hold |
| PGC | Peapack-Gladstone Financial Corporation | $787M | 56 | Hold |
| BHB | Bar Harbor Bankshares | $661M | 64 | Hold |
| PDLB | Ponce Financial Group, Inc. | $488M | 59 | Hold |
Peer medians: ROE 9.7% · P/E 12.5x · Gross margin 100.0%
Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.