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Upturn AI SWOT - About
HIFS 
Hingham Institution for Savings (HIFS)
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Upturn Advisory Summary
08/28/2025: HIFS (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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 -18.85% | Avg. Invested days 23 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/28/2025 |
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 evolved from a local savings bank to a regional financial institution focused on commercial real estate lending and deposit services.
Core Business Areas
- Commercial Real Estate Lending: Provides financing for commercial properties, including multi-family apartments, office buildings, retail spaces, and industrial properties. Focuses on well-located assets with strong cash flow.
- Residential Mortgage Lending: Offers mortgage products for owner-occupied residential properties, primarily in the Greater Boston area.
- Deposit Services: Provides a range of deposit accounts, including checking, savings, and money market accounts, to individuals and businesses.
Leadership and Structure
Robert H. Gaughen, Jr. serves as the Chairman and CEO. The bank operates with a traditional hierarchical structure, with departments responsible for lending, deposit services, finance, and compliance.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: This is the primary revenue driver. Market share data is not readily available as the market is highly fragmented. Competitors include larger regional and national banks like Bank of America (BAC), Citizens Financial Group (CFG), and local credit unions. Revenue contribution is approximately 75% of total interest income.
- Residential Mortgages: A smaller portion of the loan portfolio. Market share is not significant compared to larger national lenders. Competitors include Rocket Mortgage (RKT), Wells Fargo (WFC), and local mortgage brokers. Revenue contribution is approximately 15% of total interest income.
- Deposit Accounts: Provide a stable funding base for lending activities. Competitors include all banks and credit unions operating in the region. Exact market share data is difficult to determine. Revenue contribution is approximately 10% of total interest income (from fees and interest spread).
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing interest rates, regulatory scrutiny, and competition from fintech companies. The commercial real estate market faces uncertainty due to evolving work patterns and economic conditions.
Positioning
Hingham Institution for Savings is positioned as a relationship-focused lender with a strong understanding of the local market. Its competitive advantages include quick decision-making, personalized service, and a conservative lending approach.
Total Addressable Market (TAM)
The TAM for commercial real estate lending in the Greater Boston area is estimated to be in the billions of dollars annually. Hingham Institution for Savings holds a small but significant portion of this market. The exact figure is not publically available.
Upturn SWOT Analysis
Strengths
- Strong capital base
- Experienced management team
- Conservative lending practices
- Strong relationships with local businesses
- High-quality loan portfolio
Weaknesses
- Limited geographic diversification
- Dependence on commercial real estate market
- Smaller size compared to larger competitors
- Limited product offerings
Opportunities
- Expansion into new markets within New England
- Increased demand for commercial real estate financing
- Technological advancements to improve efficiency
- Potential acquisitions of smaller banks
Threats
- Rising interest rates
- Economic recession
- Increased competition from larger banks and fintech companies
- Regulatory changes
- Commercial Real Estate Market instability
Competitors and Market Share
Key Competitors
- BAC
- CFG
- ALLY
Competitive Landscape
Hingham Institution for Savings faces competition from larger national banks with greater resources and broader product offerings. Its advantage lies in its local market knowledge, personalized service, and quick decision-making.
Growth Trajectory and Initiatives
Historical Growth: Assess the historical growth rate of assets, loans, and deposits. Evaluate the consistency of growth over time.
Future Projections: Analyst estimates are needed to project future growth. Factors to consider include economic conditions, market trends, and company-specific initiatives.
Recent Initiatives: Analyze any recent strategic initiatives such as branch expansions, new product launches, or acquisitions.
Summary
Hingham Institution for Savings is a financially stable community bank with a conservative lending approach and a strong presence in the Greater Boston area. Its dependence on the commercial real estate market and limited geographic diversification are potential weaknesses. Rising interest rates and economic uncertainty pose external threats, while expansion opportunities and technological advancements offer potential for future growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings (10-K, 10-Q)
- Financial News Outlets
- Industry Reports
- Yahoo Finance
- Bloomberg
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It does not constitute financial advice. Investment decisions should be based on individual due diligence and consultation with a qualified financial advisor.
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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