Hingham Institution for Savings (HIFS) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

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Hingham Institution for Savings

Why is Hingham Institution for Savings ?

Efficient Cost Management with a low Cost to Income Ratio of 38.59%

Positive results in Mar 26

OPERATING CASH FLOW(Y) Highest at USD 37.43 MM
NII(Q) Highest at USD 22.13 MM
ROCE(HY) Highest at 1.11%

With ROA of 0.71%, it has a expensive valuation with a 1.24 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 23.79%, its profits have risen by 93.5% ; the PEG ratio of the company is 0.1

High Institutional Holdings at 67.15%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.

Real-Time Research Report

Verdict Report

How much should you hold?

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

23.79%

1.40

46.48%

S&P 500

25.41%

1.92

13.25%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

14.23%

EBIT Growth (5y)

0.82%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

10.18%

Pledged Shares

Institutional Holding

67.15%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.24

EV to EBIT

22.44

EV to EBITDA

22.22

EV to Capital Employed

1.08

EV to Sales

7.82

PEG Ratio

0.12

Dividend Yield

1.17%

ROCE (Latest)

4.80%

ROE (Latest)

11.37%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Bullish

RSI

No Signal

Bollinger Bands

Bullish

Moving Averages

Bullish (Daily)

KST

Mildly Bearish

Dow Theory

No Trend

Mildly Bearish

OBV

No Trend

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

17What is working for the Company

OPERATING CASH FLOW(Y)

Highest at USD 37.43 MM

NII(Q)

Highest at USD 22.13 MM

ROCE(HY)

Highest at 1.11%

OPERATING PROFIT(Q)

Highest at USD 14.15 MM

OPERATING PROFIT MARGIN(Q)

Highest at 27.31 %

DIVIDEND PAYOUT RATIO(Y)

Highest at 48.81%

NET PROFIT(9M)

Higher at USD 40.86 MM

-14What is not working for the Company

ROCE(HY)

Lowest at 1.11%

GROSS NPA (%)

CREDIT DEPOSIT RATIO(HY)

Lowest at 149.77%

PRE-TAX PROFIT(Q)

Lowest at USD 4.19 MM

NET PROFIT(Q)

Lowest at USD 2.85 MM

EPS(Q)

Lowest at USD 1.29

Here's what is working for Hingham Institution for Savings

NII

Highest at USD 22.13 MM and Grown

In each period in the last five periods

MOJO Watch

The bank's income from core business is increasing

Net NPA

Operating Cash Flow

Highest at USD 37.43 MM and Grown

In each year in the last three years

MOJO Watch

The company has generated higher cash revenues from business operations

Operating Cash Flows (USD MM)

Operating Profit

Highest at USD 14.15 MM and Grown

In each period in the last five periods

MOJO Watch

Near term Operating Profit trend is quite positive

Operating Profit (USD MM)

Operating Profit Margin

Highest at 27.31 % and Grown

In each period in the last five periods

MOJO Watch

Company's profit margin has improved

Operating Profit to Sales

Dividend Payout Ratio

Highest at 48.81%

in the last five years

MOJO Watch

Company is distributing higher proportion of profits generated as dividend

DPR (%)

Here's what is not working for Hingham Institution for Savings

Pre-Tax Profit

At USD 4.19 MM has Fallen at -57.3%

Year on Year (YoY)

MOJO Watch

Near term Pre-Tax Profit trend is very negative

Pre-Tax Profit (USD MM)

Net Profit

At USD 2.85 MM has Fallen at -59.98%

Year on Year (YoY)

MOJO Watch

Near term Net Profit trend is very negative

Net Profit (USD MM)

Non Performing Loans (%)

Highest at 0.96%

in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are increasing

Non Performing Loans (%)

Pre-Tax Profit

Lowest at USD 4.19 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is negative

Pre-Tax Profit (USD MM)

Net Profit

Lowest at USD 2.85 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is negative

Net Profit (USD MM)

EPS

Lowest at USD 1.29

in the last five periods

MOJO Watch

Declining profitability; company has created lower earnings for shareholders

EPS (USD)

Credit Deposit Ratio

Lowest at 149.77%

in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets

Credit Deposit Ratio (%)