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Upturn AI Summary - About
Hingham Institution for Savings(HIFS)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for HIFS
09/24/2026: HIFS (1-star) is currently NOT-A-BUY. Pass it for now.
Hingham Institution for Savings is a long-standing, community-focused regional bank specializing in commercial real estate and residential mortgage lending in Massachusetts. The company is noted for its high operational efficiency, disciplined underwriting, and significant insider ownership, which aligns management with shareholders. Its primary growth opportunity stems from leveraging its local expertise to expand its commercial loan portfolio. However, investors should monitor risks such as geographic and product concentration, as well as sensitivity to interest rate fluctuations and regional commercial real estate valuations. HIFS may be a suitable fit for value-oriented investors seeking a stable institution with a long history of conservative capital management.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | The bank exhibits steady, controlled growth rather than the rapid expansion typically sought by aggressive growth investors. |
| Momentum investor | Weak fit | The stock is typically held for long-term fundamental value rather than technical momentum. |
| Value investor | Strong fit | Long-term value investors often favor the bank's disciplined underwriting and conservative capital management. |
| Dividend investor | Mixed fit | While dividends are paid, the primary driver for investors has historically been capital appreciation rather than high yield. |
| Low-risk investor | Mixed fit | While the bank is conservative, regional banking sector volatility and concentration risk may concern very low-risk investors. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Bank stocks are sensitive to interest rate changes and regional economic conditions. |
| Valuation risk | Medium | Market pricing of regional banks can fluctuate based on broader sector sentiment. |
| Competition risk (regional banking) | Medium | The bank faces constant pressure from larger regional and national peers for deposit and loan market share. |
| Business quality | Strong | The bank has a long history of operational efficiency and disciplined lending practices. |
| Dividend income | Low | The dividend is stable but not the primary focus of the bank's capital allocation strategy. |
| Execution risk | Medium | Successful performance depends on accurately assessing risk in commercial real estate portfolios. |
Price Behavior
Flat / Range-Bound
The stock price has been trading within a narrow range with minimal directional movement.
Moderately Choppy
The stock has experienced noticeable price swings while retaining some directional structure.
Analysis of Past Performance
Type Stock | Historic Profit -49.82% | Avg. Invested days 24 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/24/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 642.98M USD | Price to earnings Ratio 10.12 | 1Y Target Price - |
Price to earnings Ratio 10.12 | 1Y Target Price - | ||
Volume (30-day avg) 44.8K shares | Beta 0.82 | 52 Weeks Range 245.70 - 336.51 | Updated Date 09/23/2026 |
52 Weeks Range 245.70 - 336.51 | Updated Date 09/23/2026 | ||
Dividends yield (FY) 0.83% | Basic EPS (TTM) 28.91 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Commercial Real Estate Lending | Interest and fees from multi-family and commercial property loans. | The bank's main business is lending money for real estate, earning income from the interest payments. |
| Residential Mortgage Lending | Interest from home loans provided to retail customers. | The bank earns steady interest by financing homes for customers in their primary service areas. |
| Net Interest Margin | The spread between interest earned on loans and interest paid on deposits. | The profitability of the bank relies on keeping deposit costs low while charging competitive rates for loans. |
Valuation
Trailing PE 10.12 | Forward PE 10.63 | Enterprise Value 2.04B | Price to Sales(TTM) 5.38 |
Enterprise Value 2.04B | Price to Sales(TTM) 5.38 | ||
Enterprise Value to Revenue 17.09 | Enterprise Value to EBITDA - | Shares Outstanding 2.20M | Shares Floating 1.59M |
Shares Outstanding 2.20M | Shares Floating 1.59M | ||
Percent Insiders - | Percent Institutions 72.15 |
Upturn AI Summary
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
About Hingham Institution for Savings
Exchange NASDAQ | Headquarters Hingham, MA, United States | ||
IPO Launch date 1992-02-25 | Chairman & CEO Mr. Robert H. Gaughen Jr., Esq. | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 93 | Website https://www.hinghamsavings.com |
Full time employees 93 | Website https://www.hinghamsavings.com | ||
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.
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