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Hingham Institution for Savings

Hingham Institution for Savings

HIFS · NASDAQ · Financial Services / Banks - Regional

301.45USD+0.83 (+0.28%)

Price History

Full chart

Market Stats

Previous Close300.62
Open303.45
Day Range297.61 – 303.45
52-Week Range245.70 – 336.51
Volume14.70K
Market Cap657.37M
P/E (TTM)9.97
Forward P/E10.63
EPS30.02
Dividend Yield0.85%
Beta0.82
50-Day Avg298.93
200-Day Avg292.65

About

Hingham Institution for Savings provides various financial services to individuals and small businesses in the United States. It offers savings, checking, money market, term certificate, demand, and negotiable order of withdrawal accounts, as well as certificates of deposit. The company provides commercial and residential owner-occupied real estate, construction, home equity, consumer, and commercial loans; and origination of loans. In addition, it offers ATMs, debit cards, and Internet-based banking services. Further, the company invests in short-term income investments, such as U.S. treasury debt securities, U.S. Government-sponsored enterprise debt securities, bank subordinated debt, and FDIC-insured certificates of deposit; and equity investments, corporate bonds, CRA investments, and federal home loan bank stock, as well as bank-owned life insurance. Hingham Institution for Savings was incorporated in 1834 and is headquartered in Hingham, Massachusetts.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Robert H. Gaughen Jr., Esq.
  • Employees93
  • Headquarters55 Main Street, Hingham, MA, United States, 02043, USA
  • Websitehttps://www.hinghamsavings.com

Leadership

  • Mr. Robert H. Gaughen Jr., Esq.Chairman & CEO · b. 1949
  • Mr. Patrick Robert GaughenPresident, COO & Director · b. 1981
  • Mr. Cristian A. Melej C.F.A.VP & CFO · b. 1978
  • Mr. Daniel BagleyVP & Chief Information Officer · b. 1985
  • Ms. Jacqueline M. YoungworthClerk of the Board & Independent Director · b. 1944
  • Ms. Holly M. CirignanoVP & Chief of Staff · b. 1980
  • Mr. Jeremy MartinVP & Chief Compliance Officer
  • Ms. Eileen Trainor CPAVP & Treasurer
  • Mr. Shawn T. SullivanVice President of Commercial Lending · b. 1962

Financials

Income Statement

Currency: USD1988-12-311989-12-311990-12-311991-12-311992-12-311993-12-311994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue5.02M--13.50M13.00M10.70M10.60M12.60M14.60M17.00M18.90M20.99M24.80M27.07M27.41M27.31M27.72M32.02M38.78M43.81M44.97M46.81M48.45M50.14M50.47M50.95M64.06M63.34M73.50M82.47M92.43M115.78M115.34M123.46M118.31M190.52M217.38M236.76M
Growth (%)-----3.70%-17.69%-0.93%+18.87%+15.87%+16.44%+11.18%+11.07%+18.15%+9.12%+1.26%-0.35%+1.48%+15.51%+21.13%+12.96%+2.66%+4.08%+3.52%+3.49%+0.65%+0.95%+25.73%-1.11%+16.04%+12.20%+12.08%+25.26%-0.38%+7.05%-4.17%+61.04%+14.10%+8.92%
Cost of Revenue8.94M--10.60M6.90M4.70M4.50M6.00M7.10M8.40M9.50M10.17M12.39M12.81M10.62M9.22M9.23M12.63M21.50M26.39M22.79M19.30M16.40M13.72M11.66M10.88M10.56M11.54M14.52M18.77M29.65M41.62M23.45M11.05M37.40M127.08M151.85M133.45M
Gross Profit-3.92M--2.90M6.10M6.00M6.10M6.60M7.50M8.60M9.40M10.82M12.41M14.26M16.79M18.09M18.48M19.38M17.28M17.41M22.19M27.51M32.05M36.43M38.81M40.06M53.49M51.81M58.98M63.70M62.78M74.16M91.89M112.41M80.91M63.44M65.53M103.33M
Gross Margin-78.09%--21.48%46.92%56.07%57.55%52.38%51.37%50.59%49.74%51.56%50.05%52.67%61.24%66.25%66.68%60.54%44.56%39.75%49.34%58.77%66.16%72.64%76.89%78.64%83.51%81.79%80.25%77.24%67.92%64.06%79.67%91.05%68.39%33.30%30.14%43.64%
Operating Expense-5.72M--4.80M4.90M6.30M3.80M3.70M4.10M4.30M4.60M5.54M6.07M6.57M7.71M8.32M9.19M9.52M10.12M10.59M12.12M14.37M14.98M16.09M16.41M17.45M20.09M19.03M19.21M19.58M20.05M20.61M21.76M19.74M26.59M28.26M29.01M30.55M
Operating Income1.80M-2.30M-3.80M-1.90M1.20M-300.00K2.30M2.90M3.40M4.30M4.80M5.29M6.35M7.69M9.07M9.77M9.30M9.86M7.17M6.83M10.06M13.14M17.08M20.34M22.40M22.61M33.41M32.78M39.77M44.13M42.73M53.55M70.13M92.67M54.31M35.19M36.52M72.78M
Operating Margin35.86%---14.07%9.23%-2.80%21.70%23.02%23.29%25.29%25.40%25.18%25.59%28.40%33.09%35.77%33.54%30.81%18.48%15.58%22.38%28.06%35.24%40.55%44.39%44.38%52.15%51.74%54.10%53.51%46.23%46.25%60.80%75.06%45.91%18.47%16.80%30.74%
EBITDA10.90M190.00K260.00K300.00K3.10M300.00K2.80M3.30M3.80M4.60M5.40M5.69M6.75M8.14M9.94M11.01M10.79M11.15M7.92M7.26M10.79M13.77M17.52M20.87M23.02M23.27M34.18M33.54M40.50M44.78M43.37M54.20M70.83M93.21M54.81M35.91M37.27M73.34M
EBITDA Margin217.13%--2.22%23.85%2.80%26.42%26.19%26.03%27.06%28.57%27.09%27.20%30.06%36.28%40.32%38.91%34.84%20.42%16.56%23.99%29.41%36.16%41.61%45.61%45.69%53.35%52.95%55.10%54.30%46.92%46.81%61.41%75.50%46.33%18.85%17.14%30.98%
Net Income830.00K-2.30M-3.80M-1.90M1.60M200.00K2.60M1.90M2.00M2.70M3.00M3.25M4.23M5.09M5.98M5.35M5.82M6.17M4.64M4.49M6.29M8.04M10.23M12.06M13.29M13.37M22.26M19.35M23.42M25.76M30.40M38.93M50.77M67.46M37.52M26.37M28.19M54.55M
Net Income Margin16.53%---14.07%12.31%1.87%24.53%15.08%13.70%15.88%15.87%15.46%17.04%18.80%21.82%19.60%21.01%19.27%11.96%10.25%13.98%17.19%21.11%24.05%26.33%26.25%34.76%30.54%31.87%31.23%32.89%33.62%44.02%54.64%31.71%13.84%12.97%23.04%
Interest Expense8.94M008.90M6.50M4.60M4.40M5.90M7.00M8.20M9.30M9.97M12.11M12.57M10.42M9.04M9.15M12.39M21.21M26.07M21.98M17.60M15.10M12.62M10.94M10.50M9.94M10.91M13.38M17.26M28.38M40.05M21.16M8.03M32.89M125.96M151.52M132.43M
Interest Expense % of Total Revenue178.09%--65.93%50.00%42.99%41.51%46.83%47.95%48.24%49.21%47.48%48.80%46.45%38.03%33.08%33.03%38.70%54.70%59.52%48.87%37.60%31.16%25.16%21.67%20.61%15.51%17.22%18.21%20.93%30.71%34.59%18.34%6.50%27.80%66.11%69.71%55.93%

Balance Sheet

Currency: USD1988-12-311989-12-311990-12-311991-12-311992-12-311993-12-311994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets-150.60M149.30M148.80M149.50M147.90M153.20M175.40M201.60M222.60M260.10M291.18M337.88M386.18M426.43M483.95M547.05M628.25M691.65M744.60M806.19M925.56M1.02B1.13B1.21B1.36B1.55B1.77B2.01B2.28B2.41B2.59B2.86B3.43B4.19B4.48B4.46B4.54B
Total Liabilities-132.60M135.50M136.80M135.80M133.80M137.20M157.60M182.40M201.20M236.40M265.00M308.38M352.64M388.23M443.04M502.73M579.79M639.83M689.83M746.37M860.27M945.11M1.05B1.11B1.25B1.43B1.63B1.85B2.10B2.20B2.34B2.56B3.08B3.81B4.08B4.03B4.06B
Total Equity-18.00M13.80M12.00M13.70M14.10M16.00M17.80M19.20M21.40M23.70M26.18M29.50M33.54M38.20M40.91M44.32M48.46M51.82M54.77M59.83M65.29M72.74M82.27M92.80M103.22M121.52M138.01M161.02M186.16M212.58M247.22M292.94M354.61M385.97M407.62M431.75M479.71M
Cash---3.50M3.50M4.90M3.90M10.60M11.60M7.30M18.60M15.99M21.23M42.13M34.57M11.33M11.81M13.74M14.53M8.28M20.22M52.64M67.86M129.75M101.07M115.86M190.15M267.22M322.93M355.23M295.98M252.15M233.99M271.16M362.03M362.48M351.83M6.68M
Total Debt---15.00M15.00M15.00M19.00M22.00M30.00M38.40M55.10M68.69M78.09M96.96M106.78M148.70M164.67M211.82M227.58M487.48M214.99M222.64M207.58M248.58M235.42M303.75M330.57M403.39M476.19M579.98M607.35M505.89M408.03M665.00M1.28B1.69B1.50B1.46B
Net Debt---11.50M11.50M10.10M15.10M11.40M18.40M31.10M36.50M52.70M56.86M54.83M72.21M137.37M152.86M198.08M213.05M479.20M194.78M170.00M139.72M118.83M134.35M187.89M140.43M136.17M153.25M224.75M311.38M253.74M174.04M393.84M913.97M1.33B1.15B1.46B

Cash Flow

Currency: USD1988-12-311989-12-311990-12-311991-12-311992-12-311993-12-311994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow1.87M210.00K570.00K1.40M2.50M1.00M3.50M3.30M2.20M2.70M3.50M3.56M6.05M6.31M7.17M3.27M6.97M6.99M5.02M5.25M6.15M6.60M13.61M16.82M13.67M15.92M18.15M20.22M25.14M27.44M35.87M33.17M45.59M59.01M55.85M19.75M11.89M35.79M
Investing Cash Flow-15.35M-4.05M-6.41M-3.00M-1.80M2.40M-7.50M-15.70M-25.60M-25.60M-26.40M-34.22M-41.07M-28.33M-47.83M-73.02M-71.93M-82.73M-56.40M-38.01M-72.88M-85.53M-80.10M-63.42M-109.82M-137.57M-116.76M-132.87M-182.97M-236.07M-187.08M-219.49M-280.43M-527.34M-685.28M-276.58M32.48M-37.53M
Financing Cash Flow21.05M-3.16M2.52M1.50M-800.00K-2.00M3.00M19.10M24.40M18.50M34.20M28.08M40.27M41.94M34.08M56.03M57.44M75.19M57.70M47.26M53.34M111.36M81.71M95.08M67.15M137.16M172.99M196.44M219.75M240.93M91.95M142.49M216.68M505.50M720.30M257.27M-55.02M19.51M
Capital Expenditure290.00K1.21M40.00K00100.00K300.00K900.00K100.00K500.00K800.00K582.00K151.00K1.00M382.00K347.00K343.00K200.00K1.01M328.00K1.06M282.00K2.99M3.14M4.20M2.34M127.00K649.00K98.00K256.00K1.12M647.00K1.53M1.60M2.53M1.30M139.00K266.00K
Free Cash Flow1.58M-1.00M530.00K1.40M2.50M900.00K3.20M2.40M2.10M2.20M2.70M2.98M5.90M5.31M6.78M2.92M6.63M6.79M4.00M4.92M5.09M6.32M10.62M13.68M9.47M13.58M18.02M19.57M25.04M27.18M34.74M32.52M44.06M57.41M53.33M18.45M11.75M35.53M
Dividends Paid-290.00K350.00K---200.00K300.00K500.00K700.00K900.00K1.08M1.31M1.50M1.64M1.82M1.91M2.05M2.11M2.12M2.16M2.27M2.44M2.61M2.72M2.81M2.92M4.56M3.24M3.45M3.69M4.35M4.93M5.78M6.58M6.77M5.48M5.50M
FCF to OCF84.49%-476.19%92.98%100.00%100.00%90.00%91.43%72.73%95.45%81.48%77.14%83.67%97.50%84.11%94.67%89.39%95.08%97.14%79.78%93.76%82.71%95.73%78.01%81.32%69.27%85.32%99.30%96.79%99.61%99.07%96.87%98.05%96.65%97.29%95.47%93.42%98.83%99.26%
Dividend Paid to FCF--29.00%66.04%---6.25%12.50%23.81%31.82%33.33%36.23%22.20%28.18%24.24%62.37%28.86%30.19%52.73%43.01%42.50%35.97%23.00%19.10%28.74%20.67%16.18%23.28%12.93%12.71%10.62%13.38%11.20%10.06%12.34%36.69%46.65%15.47%

Earnings

Report DateMar 31, 1998Jun 30, 1998Sep 30, 1998Mar 31, 1999Jun 30, 1999Sep 30, 1999Mar 31, 2000Jun 30, 2000Jun 30, 2001Sep 30, 2001Dec 31, 2001Mar 31, 2002Jun 30, 2002Sep 30, 2002Dec 31, 2002Mar 31, 2003Jul 19, 2003Oct 21, 2003Jan 22, 2004Apr 21, 2004Jul 19, 2004Oct 19, 2004Jan 24, 2005Apr 21, 2005Jul 21, 2005Oct 19, 2005Jan 24, 2006Apr 21, 2006Jul 20, 2006Oct 20, 2006Jan 24, 2007Apr 20, 2007Jul 19, 2007Oct 22, 2007Jan 23, 2008Apr 21, 2008Jul 22, 2008Oct 20, 2008Jan 22, 2009Apr 20, 2009Jul 21, 2009Oct 20, 2009Jan 22, 2010Apr 19, 2010Jul 21, 2010Dec 31, 2010Mar 31, 2011Jun 30, 2011Sep 30, 2011Dec 31, 2011Mar 31, 2012Jun 30, 2012Sep 30, 2012Dec 31, 2012Mar 31, 2013Jun 30, 2013Sep 30, 2013Dec 31, 2013Mar 31, 2014Jun 30, 2014Sep 30, 2014Dec 31, 2014Mar 31, 2015Jun 30, 2015Sep 30, 2015Dec 31, 2015Mar 31, 2016Jun 30, 2016Sep 30, 2016Oct 12, 2016Jan 17, 2017Apr 12, 2017Jul 13, 2017Oct 12, 2017Jan 18, 2018Apr 12, 2018Jul 13, 2018Oct 12, 2018Jan 17, 2019Apr 12, 2019Jul 12, 2019Oct 11, 2019Jan 16, 2020Apr 13, 2020Jul 13, 2020Oct 13, 2020Jan 19, 2021Apr 14, 2021Jul 13, 2021Oct 13, 2021Jan 20, 2022Apr 14, 2022Jul 15, 2022Oct 14, 2022Jan 19, 2023Apr 13, 2023Jul 14, 2023Oct 13, 2023Jan 19, 2024Apr 12, 2024Jul 12, 2024Oct 11, 2024Jan 17, 2025Apr 11, 2025Aug 7, 2025Oct 10, 2025Jan 16, 2026Apr 17, 2026Jul 17, 2026Oct 9, 2026
EPS Estimate----------------------------------------0.820.991.141.01------------------------------------------------------0.00-----0.00-----
EPS Actual0.530.550.240.370.390.420.480.500.590.620.640.670.720.640.850.091.020.730.710.670.660.710.730.720.740.730.720.610.520.580.470.450.510.530.630.610.670.840.850.740.951.031.071.091.141.271.351.401.461.461.521.581.561.581.511.541.601.644.401.822.102.122.112.202.272.442.482.732.762.922.802.802.972.973.164.083.654.042.134.503.994.145.211.005.035.687.797.459.286.367.565.381.454.775.442.611.851.502.893.131.881.445.173.244.287.859.391.294.82-
Surprise----------------------------------------15.85%4.04%-6.14%7.92%------------------------------------------------------------------
Timing---------------------------------------------------------------------After-hoursAfter-hoursPre-marketPre-marketAfter-hoursAfter-hours-After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours---After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours-After-hoursAfter-hours--After-hoursAfter-hours--

Key Statistics & Ratios

Market Cap657.37M
Enterprise Value2.06B
Trailing P/E9.97
Forward P/E10.63
PEG Ratio0.00
Price / Sales5.50
Price / Book1.32
EPS30.02
Book Value230.73
Revenue (TTM)119.53M
Gross Profit (TTM)119.53M
Profit Margin55.47%
Operating Margin80.60%
Return on Equity13.91%
Return on Assets1.46%
Shares Outstanding2.20M
Shares Float1.59M
Beta0.82
Dividend Yield0.85%
Dividend Rate2.52
Payout Ratio13.79%

Ownership Breakdown

Institutions
72.15%
Insiders
0.00%
Retail / Other
27.85%

Top Institutional Holders

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    193.53K8.81%
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    143.15K6.52%
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    123.44K5.62%
  • Royce & Associates, LP
    118.29K5.38%
  • Schwartz Investment Counsel Inc
    81.58K3.71%
  • State Street Corp
    78.70K3.58%
  • Vanguard Capital Management, LLC
    74.72K3.40%
  • Dimensional Fund Advisors, Inc.
    57.23K2.60%
  • Geode Capital Management, LLC
    42.99K1.96%
  • Hotchkis & Wiley Capital Management LLC
    41.94K1.91%
  • UBS Group AG
    41.47K1.89%
  • American Century Companies Inc
    32.74K1.49%
  • Millennium Management LLC
    28.75K1.31%

Top Fund Holders

  • Ave Maria Value
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    52.59K2.39%
  • State Street® SPDR® S&PRgnllBkgETF
    43.17K1.96%
  • iShares Russell 2000 ETF
    43.09K1.96%
  • BBR ALO Fund, LLC
    36.18K1.65%
  • Avantis US Small Cap Value ETF
    32.42K1.48%
  • Royce Small-Cap Total Return Invmt
    31.07K1.41%

Dividends

20264×
0.63Nov 2, 20260.63Aug 3, 20260.63May 4, 20261.33Jan 5, 2026
20254×
0.63Nov 3, 20250.63Aug 4, 20250.63May 5, 20250.63Jan 6, 2025
20243×
0.63Nov 4, 20240.63Jul 29, 20240.63May 3, 2024
20234×
0.63Dec 29, 20230.63Oct 27, 20230.63Jul 28, 20230.63Apr 28, 2023
20224×
1.26Dec 29, 20220.61Oct 31, 20220.59Jul 29, 20220.57Apr 29, 2022
20214×
1.30Dec 31, 20210.53Oct 29, 20210.51Jul 30, 20210.49Apr 9, 2021
20201×
1.17Dec 31, 2020

Stock Splits

  • Oct 6, 19983:2