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Upturn AI SWOT - About
HIFS 
Hingham Institution for Savings (HIFS)
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Upturn Advisory Summary
10/23/2025: HIFS (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit -25.77% | Avg. Invested days 25 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/23/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 536.06M USD | Price to earnings Ratio 18.95 | 1Y Target Price - |
Price to earnings Ratio 18.95 | 1Y Target Price - | ||
Volume (30-day avg) - | Beta 0.92 | 52 Weeks Range 172.65 - 298.52 | Updated Date 06/29/2025 |
52 Weeks Range 172.65 - 298.52 | Updated Date 06/29/2025 | ||
Dividends yield (FY) 1.03% | Basic EPS (TTM) 12.97 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 42.09% | Operating Margin (TTM) 61.17% |
Management Effectiveness
Return on Assets (TTM) 0.63% | Return on Equity (TTM) 6.68% |
Valuation
Trailing PE 18.95 | Forward PE - | Enterprise Value 1999081984 | Price to Sales(TTM) 7.93 |
Enterprise Value 1999081984 | Price to Sales(TTM) 7.93 | ||
Enterprise Value to Revenue 29.45 | Enterprise Value to EBITDA - | Shares Outstanding 2181250 | Shares Floating 1709686 |
Shares Outstanding 2181250 | Shares Floating 1709686 | ||
Percent Insiders 0.01 | Percent Institutions 58.82 |
Upturn AI SWOT
Hingham Institution for Savings
Company Overview
History and Background
Hingham Institution for Savings was founded in 1834 in Hingham, Massachusetts. It has grown from a local savings bank to a regional institution offering a range of banking services. Key milestones include adapting to changing economic conditions and expanding its geographic footprint, primarily in the Boston metropolitan area and commercial real estate lending across the US.
Core Business Areas
- Commercial Real Estate Lending: Provides loans for commercial properties, focusing on multifamily, office, retail, and industrial properties. A key geographic focus is the Boston area but also has national CRE lending.
- Residential Mortgage Lending: Offers mortgage loans for residential properties, catering to homeowners and homebuyers.
- Retail Banking: Provides traditional banking services such as checking accounts, savings accounts, and other deposit products to individuals and small businesses.
- Private Banking: Offers wealth management and financial planning services to high-net-worth individuals.
Leadership and Structure
Robert H. Gaughen, Jr. serves as Chairman and CEO. The bank operates with a traditional organizational structure, with various departments overseeing lending, retail banking, and operations. Senior management team includes executives responsible for finance, lending, and compliance.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Hingham's primary revenue driver is commercial real estate lending. Market share data is fragmented, but they operate in a competitive market against larger national and regional banks. Competitors include Citizens Financial Group, Bank of America, and local community banks. No specific market share available.
- Residential Mortgages: Offer fixed and adjustable-rate mortgages. Competes with national lenders like Rocket Mortgage and local banks. Specific market share information is difficult to ascertain at a granular level. No specific market share available.
- Deposit Accounts: Offer checking, savings, and money market accounts. Competes with all banks operating in the greater Boston market. No specific market share available.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges related to interest rate volatility, increased regulatory scrutiny, and competition from fintech companies. Banks are also navigating a changing economic landscape, with potential impacts on loan demand and credit quality.
Positioning
Hingham Institution for Savings positions itself as a relationship-focused community bank with expertise in commercial real estate lending. It differentiates itself through personalized service and a deep understanding of the local market. Their targeted national CRE lending has been a competitive advantage.
Total Addressable Market (TAM)
The TAM for banking services in the Boston metropolitan area and national CRE lending is estimated to be in the hundreds of billions of dollars. Hingham has a relatively small percentage of this TAM, positioning them for further growth. No specific TAM for their niche.
Upturn SWOT Analysis
Strengths
- Strong capital base
- Experienced management team
- Solid reputation in the local market
- Diversified lending portfolio (geographically through national CRE lending, and property type)
Weaknesses
- Limited geographic presence (relative to larger banks)
- Dependence on interest rate environment
- Higher cost structure as community bank
- Reliance on commercial real estate lending can be cyclical
Opportunities
- Expand lending operations in new markets
- Increase fee income through wealth management services
- Leverage technology to improve efficiency
- Acquire smaller banks or branches
Threats
- Rising interest rates
- Increased competition from larger banks and fintech companies
- Economic downturn impacting loan demand
- Regulatory changes
Competitors and Market Share
Key Competitors
- CFG
- USB
- BOH
Competitive Landscape
Hingham competes with larger regional and national banks, as well as smaller community banks. Its competitive advantages include its local market knowledge, personalized service, and expertise in commercial real estate lending. Disadvantages compared to large banks include limited geographic reach and fewer resources.
Growth Trajectory and Initiatives
Historical Growth: Hingham has historically grown through organic expansion of its lending operations and strategic acquisitions.
Future Projections: Future growth projections would depend on factors such as interest rate trends, economic growth, and the bank's ability to execute its strategic plan. Analyst estimates would be needed for specific projections.
Recent Initiatives: Recent initiatives might include investments in technology, expansion of wealth management services, and entry into new markets.
Summary
Hingham Institution for Savings is a well-capitalized community bank with a solid reputation and expertise in commercial real estate lending. Its strong financial position and experienced management team position it well for future growth. However, it faces challenges from rising interest rates, increased competition, and potential economic downturns. Continued execution of their strategy and careful management of risk will be key.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings (10-K, 10-Q)
- Industry reports
- Analyst reports
- Company website
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It does not constitute investment advice. Market share data is approximate and may not be fully accurate.
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.
About Hingham Institution for Savings
Exchange NASDAQ | Headquaters Hingham, MA, United States | ||
IPO Launch date 1992-02-25 | Chairman & CEO Mr. Robert H. Gaughen Jr. | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 87 | Website https://www.hinghamsavings.com |
Full time employees 87 | 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, 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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