Critical Review: Hingham Institution for Savings (HIFS) versus Its Competitors

Hingham Institution for Savings (NASDAQ: HIFS) is one of 27 public companies in the “Retail & Mortgage Banks” industry, but how does it weigh in compared to its rivals? We will compare Hingham Institution for Savings to related companies based on the strength of its dividends, valuation, risk, institutional ownership, analyst recommendations, profitability and earnings.

Valuation & Earnings

This table compares Hingham Institution for Savings and its rivals revenue, earnings per share (EPS) and valuation.

Gross Revenue Net Income Price/Earnings Ratio
Hingham Institution for Savings $82.47 million $25.76 million 16.91
Hingham Institution for Savings Competitors $464.83 million $28.28 million 283.99

Hingham Institution for Savings’ rivals have higher revenue and earnings than Hingham Institution for Savings. Hingham Institution for Savings is trading at a lower price-to-earnings ratio than its rivals, indicating that it is currently more affordable than other companies in its industry.

Dividends

Hingham Institution for Savings pays an annual dividend of $1.36 per share and has a dividend yield of 0.7%. Hingham Institution for Savings pays out 11.5% of its earnings in the form of a dividend. As a group, “Retail & Mortgage Banks” companies pay a dividend yield of 1.5% and pay out 26.0% of their earnings in the form of a dividend.

Risk & Volatility

Hingham Institution for Savings has a beta of 0.74, suggesting that its share price is 26% less volatile than the S&P 500. Comparatively, Hingham Institution for Savings’ rivals have a beta of 0.74, suggesting that their average share price is 26% less volatile than the S&P 500.

Institutional & Insider Ownership

28.5% of Hingham Institution for Savings shares are held by institutional investors. Comparatively, 49.0% of shares of all “Retail & Mortgage Banks” companies are held by institutional investors. 11.1% of shares of all “Retail & Mortgage Banks” companies are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock is poised for long-term growth.

Profitability

This table compares Hingham Institution for Savings and its rivals’ net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Hingham Institution for Savings 31.23% N/A N/A
Hingham Institution for Savings Competitors 23.67% 7.45% 1.17%

Analyst Ratings

This is a breakdown of current ratings and recommmendations for Hingham Institution for Savings and its rivals, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Hingham Institution for Savings 0 0 0 0 N/A
Hingham Institution for Savings Competitors 138 512 563 19 2.38

As a group, “Retail & Mortgage Banks” companies have a potential upside of 25.53%. Given Hingham Institution for Savings’ rivals higher possible upside, analysts clearly believe Hingham Institution for Savings has less favorable growth aspects than its rivals.

Summary

Hingham Institution for Savings rivals beat Hingham Institution for Savings on 10 of the 12 factors compared.

About Hingham Institution for Savings

Hingham Institution for Savings (the Bank) is a Massachusetts-chartered savings bank (the Bank). The Bank is principally engaged in the business of residential and commercial real estate mortgage lending, funded by a retail deposit network and borrowings. The Bank provides a range of financial services to individuals and small businesses through its approximately 10 offices in Boston and southeastern Massachusetts. Its primary deposit products are savings, checking, and term certificate accounts, and its primary lending products are residential and commercial mortgage loans secured by properties in Eastern Massachusetts. The Bank offers personal checking accounts, money market and savings accounts, as well as longer term certificates of deposit for individuals, businesses, non-profits, cities and towns. The Bank’s loan portfolio includes residential real estate, commercial real estate, construction, home equity, commercial and consumer segments.

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