ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Hingham Institution for Savings ?
1
Efficient Cost Management with a low Cost to Income Ratio of 38.59%
2
With a growth in Interest of NAN%, the company declared Very Positive results in Jun 25
- The company has declared positive results for the last 2 consecutive quarters
- NII(Q) Highest at USD 18.04 MM
- OPERATING PROFIT(Q) Highest at USD 10.33 MM
- OPERATING PROFIT MARGIN(Q) Highest at 20.15 %
3
With ROA of 0.41%, it has a fair valuation with a 1.15 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 3.29%, its profits have risen by 15% ; the PEG ratio of the company is 1.3
4
High Institutional Holdings at 62.62%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to Hingham Institution for Savings should be less than 10%
- Overall Portfolio exposure to Savings Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Savings Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Hingham Institution for Savings for you?
High Risk, High Return
Absolute
Risk Adjusted
Volatility
Hingham Institution for Savings
7.16%
1.66
43.37%
S&P 500
13.22%
0.61
20.17%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
13.13%
EBIT Growth (5y)
-3.33%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
19.61%
Pledged Shares
0
Institutional Holding
62.62%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
18
Industry P/E
Price to Book Value
1.15
EV to EBIT
41.13
EV to EBITDA
40.33
EV to Capital Employed
1.04
EV to Sales
7.80
PEG Ratio
1.33
Dividend Yield
1.08%
ROCE (Latest)
2.54%
ROE (Latest)
6.50%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
Mildly Bearish
No Trend
OBV
Mildly Bearish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend18What is working for the Company
NII(Q)
Highest at USD 18.04 MM
OPERATING PROFIT(Q)
Highest at USD 10.33 MM
OPERATING PROFIT MARGIN(Q)
Highest at 20.15 %
PRE-TAX PROFIT(Q)
At USD 12.85 MM has Grown at 128.36%
NET PROFIT(Q)
At USD 9.41 MM has Grown at 129.5%
NET SALES(Q)
Highest at USD 51.29 MM
-2What is not working for the Company
GROSS NPA (%)
(Q
Here's what is working for Hingham Institution for Savings
NII
Highest at USD 18.04 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Operating Profit
Highest at USD 10.33 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Operating Profit trend is quite positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 20.15 % and Grown
In each period in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
At USD 12.85 MM has Grown at 128.36%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (USD MM)
Net Profit
At USD 9.41 MM has Grown at 129.5%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is very positive
Net Profit (USD MM)
Net Sales
Highest at USD 51.29 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Here's what is not working for Hingham Institution for Savings
Non Performing Loans (%)
Highest at 0.81%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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